DFAC vs HAPI

ADFAC

BHAPI

Measures won4–2DFAC wins · of 6 · 1Y

$10,000 · 1Y$11,771DFAC · HAPI $11,365

Lowest cost0.03%IVV · $3 on $10k

Most income1.11%IVV · $111 on $10k

Smallest drop−8.1%HAPI · worst fall in 1Y

Held in common41.9%DFAC and HAPI

DFAC

HAPI

Dimensional - US Core Equity 2 ETF · $87.7BHarbor Human Capital Factor US Large Cap ETF (HAPI) · $483M

+14.1%Year to dateJan 1 → Nov 9+10.6%

+17.7%1 yearTotal return+13.6%

0.21%Expense ratio$21 · $35 on $10k · lower wins0.35%

0.88%12-mo yield$88 · $78 on $10k0.78%

−8.5%Worst dropSmaller wins−8.1%

13.1%VolatilityLower wins12.9%

4–2DFAC wins

$10,000 · 1 yearAll three, one scale

Shared top holdingsDFAC · HAPI

5.9%AAPL6.2%

5.0%MSFT6.1%

4.9%NVDA4.7%

2.7%AMZN6.0%

Held in common41.9%

End-of-day Nov 9, 2026 · $10,000 1 year ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

1Y3 funds

#
1	ADFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.88%	+2.4%	+14.1%	+17.7%	+21.2%	+11.0%	−8.5%	$87.7B
2	BHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.78%	+2.4%	+10.6%	+13.6%	+21.9%	new	−8.1%	$483M
3	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$875.2B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

1Y3 funds

#
1	ADFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.88%	+2.4%	+14.1%	+17.7%	+21.2%	+11.0%	−8.5%	$87.7B
2	BHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.78%	+2.4%	+10.6%	+13.6%	+21.9%	new	−8.1%	$483M
3	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$875.2B

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

DFAC vs HAPI

DFAC

Dimensional - US Core Equity 2

$11,771

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

$11,365

MeasureDFACHAPI

Fee0.21%0.35%

Cost on $10k a year$21$35

Yield0.88%0.78%

5 years, per year+11.0%[…]

3 years, per year+21.2%+21.9%

Worst drop · 1Y−8.5%−8.1%

Volatility · 1Y13.1%12.9%

3–2measures won
HAPI first

41.9%

holdings shared

Nov 9, 2026 · $10,000 one year ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+11.3%

+11.3%Year to date+11.3%

1.1%Yield1.1%

$1.00TAssets$875B

0–0level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: HAPI, DFAC, IVV

Today

68.9%most shared, DFAC and IVV

HAPIDFACIVV

HAPI—41.9%50.7%

DFAC41.9%—68.9%

IVV50.7%68.9%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$108most kept, IVV

IVV$111 − $3 = $108

DFAC$88 − $21 = $67

HAPI$78 − $35 = $43

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee