HAPI vs DFAC

AHAPI

BDFAC

Measures won3–2HAPI wins · of 6 · 5Y

$10,000 · 5Y$18,763QQQ · DFAC $17,417

Lowest cost0.18%QQQ · $18 on $10k

Most income0.87%DFAC · $87 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) · $503MDimensional - US Core Equity 2 ETF · $89.2B

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

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

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

0.77%12-mo yield$77 · $87 on $10k0.87%

−8.1%Worst dropSmaller wins−8.5%

12.2%VolatilityLower wins12.3%

3–2HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · DFAC

5.9%AAPL5.6%

5.1%NVDA5.3%

5.9%MSFT4.8%

5.7%AMZN2.6%

Held in common41.5%

End-of-day Nov 4, 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	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.45%	+1.0%	+13.0%	+10.0%	+26.3%	+13.4%	−11.7%	$464.6B
2	BDFAC	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
3	IWF	iShares Russell 1000 Growth ETFRead Desk	0.18%	0.37%	+0.4%	−0.1%	−3.0%	+22.3%	+10.6%	−15.6%	$120.5B
4	AHAPI	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

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

All Four

5Y4 funds

#
1	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.45%	+1.0%	+13.0%	+10.0%	+26.3%	+13.4%	−11.7%	$464.6B
2	BDFAC	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
3	IWF	iShares Russell 1000 Growth ETFRead Desk	0.18%	0.37%	+0.4%	−0.1%	−3.0%	+22.3%	+10.6%	−15.6%	$120.5B
4	AHAPI	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

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

HAPI vs DFAC

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

DFAC

Dimensional - US Core Equity 2

$17,417

MeasureHAPIDFAC

Fee0.35%0.21%

Cost on $10k a year$35$21

Yield0.77%0.87%

5 years, per year[…]+11.7%

3 years, per year+23.9%+23.2%

Worst drop · 1Y−8.1%−8.5%

Volatility · 1Y12.2%12.3%

3–2measures won
HAPI first

41.5%

holdings shared

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

QQQM vs QQQ

YTD

InvescoQQQM

+13.1%

QQQInvesco

+13.0%

+13.1%Year to date+13.0%

0.15% · $15Fee · on $10k a year0.18% · $18

$106BAssets$465B

2–0QQQM wins

End-of-day Nov 4, 2026

VUG vs SCHG

YTD

VanguardVUG

+6.3%

SCHGSchwab

+6.8%

+6.3%Year to date+6.8%

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

$233BAssets$62.5B

1–1level

End-of-day Nov 4, 2026

TQQQ vs QQQ

YTD

ProSharesTQQQ

+18.8%

QQQInvesco

+13.0%

+18.8%Year to date+13.0%

0.94% · $94Fee · on $10k a year0.18% · $18

$33.2BAssets$465B

1–1level

End-of-day Nov 4, 2026

Overlap: HAPI, DFAC, QQQ, IWF

Today

58.0%most shared, QQQ and IWF

HAPIDFACQQQIWF

HAPI—41.5%41.2%43.6%

DFAC41.5%—34.8%40.8%

QQQ41.2%34.8%—58.0%

IWF43.6%40.8%58.0%—

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

QQQ$45 − $18 = $27

IWF$37 − $18 = $19

KeptFee

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