DFAC vs HAPI

ADFAC

BHAPI

Measures won2–3HAPI wins · of 6 · 3Y

$10,000 · 3Y$19,002HAPI · DFAC $18,682

Lowest cost0.21%DFAC · $21 on $10k

Most income0.87%DFAC · $87 on $10k

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

Held in common41.5%DFAC and HAPI

DFAC

HAPI

Dimensional - US Core Equity 2 ETF · $89.2BHarbor Human Capital Factor US Large Cap ETF (HAPI) · $503M

+23.2%3 years · per year$18,682 · $19,002+23.9%

+11.7%5 years · per year$17,417 · […][…]

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

0.87%12-mo yield$87 · $77 on $10k0.77%

−8.5%Worst dropSmaller wins−8.1%

12.3%VolatilityLower wins12.2%

2–3HAPI wins

$10,000 · 3 yearsOne scale

Shared top holdingsDFAC · HAPI

5.6%AAPL5.9%

5.3%NVDA5.1%

4.8%MSFT5.9%

2.6%AMZN5.7%

Held in common41.5%

End-of-day Nov 4, 2026 · $10,000 3 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

Both

3Y2 funds

#			Trend
1	BHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk		0.35%	0.77%	+2.0%	+12.3%	+13.6%	+23.9%	new	−8.1%	$503M
2	ADFAC	Dimensional - US Core Equity 2 ETFRead Desk		0.21%	0.87%	+1.5%	+15.8%	+17.7%	+23.2%	+11.7%	−8.5%	$89.2B

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Both

3Y2 funds

#			Trend
1	BHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk		0.35%	0.77%	+2.0%	+12.3%	+13.6%	+23.9%	new	−8.1%	$503M
2	ADFAC	Dimensional - US Core Equity 2 ETFRead Desk		0.21%	0.87%	+1.5%	+15.8%	+17.7%	+23.2%	+11.7%	−8.5%	$89.2B

End-of-day Nov 4, 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

$18,682

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

$19,003

MeasureDFACHAPI

Fee0.21%0.35%

Cost on $10k a year$21$35

Yield0.87%0.77%

5 years, per year+11.7%[…]

3 years, per year+23.2%+23.9%

Worst drop · 1Y−8.5%−8.1%

Volatility · 1Y12.3%12.2%

3–2measures won
HAPI first

41.5%

holdings shared

Nov 4, 2026 · $10,000 three years ago, dividends reinvested

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026

Overlap: DFAC, HAPI

Today

41.5%most shared, DFAC and HAPI

DFACHAPI

DFAC—41.5%

HAPI41.5%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$66most kept, DFAC

DFAC$87 − $21 = $66

HAPI$77 − $35 = $42

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee