HAPI vs IJR

AHAPI

BIJR

Measures won3–2HAPI wins · of 6 · 5Y

$10,000 · 5Y$17,545IVV · DFAC $16,820

Lowest cost0.03%IVV · $3 on $10k

Most income1.21%IJR · $121 on $10k

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

Held in common0.1%HAPI and IJR

HAPI

IJR

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483MiShares Core S&P Small-Cap ETF · $104B

+21.9%3 years · per year$18,105 · $16,193+17.4%

[…]5 years · per year[…] · $13,254+5.8%

0.35%Expense ratio$35 · $6 on $10k · lower wins0.06%

0.78%12-mo yield$78 · $121 on $10k1.21%

−8.1%Worst dropSmaller wins−9.7%

12.9%VolatilityLower wins16.4%

3–2HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · IJR

0.0%TTD0.3%

0.0%BLDR0.4%

0.0%MBGL0.3%

0.0%VGNT0.2%

Held in common0.1%

End-of-day Nov 9, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Four

5Y4 funds

#
1	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$852.9B
2	DFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.88%	+2.4%	+14.1%	+17.7%	+21.2%	+11.0%	−8.5%	$85.6B
3	BIJR	iShares Core S&P Small-Cap ETFRead Desk	0.06%	1.21%	+3.0%	+18.9%	+22.8%	+17.4%	+5.8%	−9.7%	$103.8B
4	AHAPI	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

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

All Four

5Y4 funds

#
1	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.11%	+2.4%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$852.9B
2	DFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.88%	+2.4%	+14.1%	+17.7%	+21.2%	+11.0%	−8.5%	$85.6B
3	BIJR	iShares Core S&P Small-Cap ETFRead Desk	0.06%	1.21%	+3.0%	+18.9%	+22.8%	+17.4%	+5.8%	−9.7%	$103.8B
4	AHAPI	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

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

HAPI vs IJR

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

IJR

iShares Core S&P Small-Cap

$13,254

MeasureHAPIIJR

Fee0.35%0.06%

Cost on $10k a year$35$6

Yield0.78%1.21%

5 years, per year[…]+5.8%

3 years, per year+21.9%+17.4%

Worst drop · 1Y−8.1%−9.7%

Volatility · 1Y12.9%16.4%

3–2measures won
HAPI first

0.1%

holdings shared

Nov 9, 2026 · $10,000 five years 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$853B

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%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: HAPI, DFAC, IVV, IJR

Today

68.9%most shared, DFAC and IVV

HAPIDFACIVVIJR

HAPI—41.9%50.7%0.1%

DFAC41.9%—68.9%6.4%

IVV50.7%68.9%—0.0%

IJR0.1%6.4%0.0%—

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

Income After Fees on $10,000

$115most kept, IJR

IJR$121 − $6 = $115

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