HAPI vs DFAC

AHAPI

BDFAC

Measures won3–2HAPI wins · of 6 · 3Y

$10,000 · 3Y$19,673VUG · HAPI $18,900

Lowest cost0.03%VUG · $3 on $10k

Most income0.88%DFAC · $88 on $10k

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

Held in common41.5%HAPI and DFAC

HAPI

DFAC

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $491MDimensional - US Core Equity 2 ETF · $87.6B

+23.6%3 years · per year$18,900 · $18,595+23.0%

[…]5 years · per year[…] · $16,976+11.2%

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

0.79%12-mo yield$79 · $88 on $10k0.88%

−8.1%Worst dropSmaller wins−8.5%

12.1%VolatilityLower wins12.2%

3–2HAPI wins

$10,000 · 3 yearsAll three, one scale

Shared top holdingsHAPI · DFAC

6.0%AAPL5.7%

5.0%NVDA5.2%

5.8%MSFT4.7%

5.6%AMZN2.5%

Held in common41.5%

End-of-day Nov 3, 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	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.41%	+1.0%	+4.7%	+2.5%	+25.3%	+11.1%	−16.1%	$232.9B
2	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.79%	+0.3%	+10.1%	+11.0%	+23.6%	new	−8.1%	$491M
3	BDFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.88%	+0.1%	+14.1%	+16.0%	+23.0%	+11.2%	−8.5%	$87.6B

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

All Three

3Y3 funds

#
1	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.41%	+1.0%	+4.7%	+2.5%	+25.3%	+11.1%	−16.1%	$232.9B
2	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.79%	+0.3%	+10.1%	+11.0%	+23.6%	new	−8.1%	$491M
3	BDFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.88%	+0.1%	+14.1%	+16.0%	+23.0%	+11.2%	−8.5%	$87.6B

End-of-day Nov 3, 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)

$18,900

DFAC

Dimensional - US Core Equity 2

$18,595

MeasureHAPIDFAC

Fee0.35%0.21%

Cost on $10k a year$35$21

Yield0.79%0.88%

5 years, per year[…]+11.2%

3 years, per year+23.6%+23.0%

Worst drop · 1Y−8.1%−8.5%

Volatility · 1Y12.1%12.2%

3–2measures won
HAPI first

41.5%

holdings shared

Nov 3, 2026 · $10,000 three years ago, dividends reinvested

VUG vs SCHG

YTD

VanguardVUG

+4.7%

SCHGSchwab

+5.5%

+4.7%Year to date+5.5%

0.03% · $3Fee · on $10k a year0.04% · $4

$233BAssets$61.1B

1–1level

End-of-day Nov 3, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.8%

VIGVanguard

+14.0%

+32.8%Year to date+14.0%

3.0%Yield1.5%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 3, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+7.5%

JEPIJ.P. Morgan

+7.0%

+7.5%Year to date+7.0%

12.3%Yield8.0%

$41.8BAssets$46.0B

2–0JEPQ wins

End-of-day Nov 3, 2026

Overlap: HAPI, DFAC, VUG

Today

43.6%most shared, HAPI and VUG

HAPIDFACVUG

HAPI—41.5%43.6%

DFAC41.5%—35.7%

VUG43.6%35.7%—

End-of-day Nov 3, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$67most kept, DFAC

DFAC$88 − $21 = $67

HAPI$79 − $35 = $44

VUG$41 − $3 = $38

KeptFee

End-of-day Nov 3, 2026 · yield in dollars minus the fee