HAPI vs DFAC

AHAPI

BDFAC

Measures won3–2HAPI wins · of 6 · 3Y

$10,000 · 3Y$18,084IVV · HAPI $18,006

Lowest cost0.03%IVV · $3 on $10k

Most income1.14%IVV · $114 on $10k

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

Held in common42.0%HAPI and DFAC

HAPI

DFAC

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $484MDimensional - US Core Equity 2 ETF · $85.6B

+21.7%3 years · per year$18,006 · $17,722+21.0%

[…]5 years · per year[…] · $16,525+10.6%

0.35%Expense ratio$35 · $21 on $10k · lower wins0.21%

0.80%12-mo yield$80 · $90 on $10k0.90%

−8.1%Worst dropSmaller wins−8.5%

12.7%VolatilityLower wins12.9%

3–2HAPI wins

$10,000 · 3 yearsAll three, one scale

Shared top holdingsHAPI · DFAC

6.2%AAPL5.9%

6.2%MSFT5.0%

4.6%NVDA4.8%

6.0%AMZN2.7%

Held in common42.0%

End-of-day Nov 6, 2026 · $10,000 3 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

3Y3 funds

#
1	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$852.9B
2	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.80%	−0.2%	+8.0%	+9.9%	+21.7%	new	−8.1%	$484M
3	BDFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.90%	+0.2%	+11.4%	+13.8%	+21.0%	+10.6%	−8.5%	$85.6B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

3Y3 funds

#
1	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$852.9B
2	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.80%	−0.2%	+8.0%	+9.9%	+21.7%	new	−8.1%	$484M
3	BDFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.90%	+0.2%	+11.4%	+13.8%	+21.0%	+10.6%	−8.5%	$85.6B

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

HAPI vs DFAC

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

$18,006

DFAC

Dimensional - US Core Equity 2

$17,722

MeasureHAPIDFAC

Fee0.35%0.21%

Cost on $10k a year$35$21

Yield0.80%0.90%

5 years, per year[…]+10.6%

3 years, per year+21.7%+21.0%

Worst drop · 1Y−8.1%−8.5%

Volatility · 1Y12.7%12.9%

3–2measures won
HAPI first

42.0%

holdings shared

Nov 6, 2026 · $10,000 three years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

Overlap: HAPI, DFAC, IVV

Today

69.0%most shared, DFAC and IVV

HAPIDFACIVV

HAPI—42.0%50.8%

DFAC42.0%—69.0%

IVV50.8%69.0%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$111most kept, IVV

IVV$114 − $3 = $111

DFAC$90 − $21 = $69

HAPI$80 − $35 = $45

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee