DFAC vs HAPI

ADFAC

BHAPI

Measures won4–2DFAC wins · of 6 · YTD

$10,000 · YTD$11,140DFAC · IVV $10,874

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%DFAC and HAPI

YTD

DFAC

HAPI

Dimensional - US Core Equity 2 ETF · $85.6BHarbor Human Capital Factor US Large Cap ETF (HAPI) · $483M

+11.4%Year to dateJan 1 → Nov 6+8.0%

+13.8%1 yearTotal return+9.9%

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

0.90%12-mo yield$90 · $80 on $10k0.80%

−8.5%Worst dropSmaller wins−8.1%

12.9%VolatilityLower wins12.7%

4–2DFAC wins

$10,000 · since Jan 1All three, one scale

Shared top holdingsDFAC · HAPI

5.9%AAPL6.2%

5.0%MSFT6.2%

4.8%NVDA4.6%

2.7%AMZN6.0%

Held in common42.0%

End-of-day Nov 6, 2026 · $10,000 since Jan 1, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

YTD3 funds

#
1	ADFAC	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
2	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
3	BHAPI	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%	$483M

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

All Three

YTD3 funds

#
1	ADFAC	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
2	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
3	BHAPI	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%	$483M

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

DFAC vs HAPI

DFAC

Dimensional - US Core Equity 2

$11,383

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

$10,995

MeasureDFACHAPI

Fee0.21%0.35%

Cost on $10k a year$21$35

Yield0.90%0.80%

5 years, per year+10.6%[…]

3 years, per year+21.0%+21.7%

Worst drop · 1Y−8.5%−8.1%

Volatility · 1Y12.9%12.7%

3–2measures won
HAPI first

42.0%

holdings shared

Nov 6, 2026 · $10,000 one year ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$178BAssets$778B

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