HAPI vs SPY

AHAPI

BSPY

Measures won2–3SPY wins · of 6 · 5Y

$10,000 · 5Y$18,060SPY · DFAC $17,417

Lowest cost0.09%SPY · $9 on $10k

Most income0.99%SPY · $99 on $10k

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

Held in common50.2%HAPI and SPY

HAPI

SPY

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $491MState Street SPDR S&P 500 ETF · $798B

+23.9%3 years · per year$19,002 · $19,132+24.1%

[…]5 years · per year[…] · $18,060+12.6%

0.35%Expense ratio$35 · $9 on $10k · lower wins0.09%

0.77%12-mo yield$77 · $99 on $10k0.99%

−8.1%Worst dropSmaller wins−8.9%

12.2%VolatilityLower wins12.9%

2–3SPY wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsHAPI · SPY

5.9%MSFT5.9%

5.9%AAPL7.4%

5.1%NVDA7.7%

5.7%AMZN3.8%

Held in common50.2%

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 Three

5Y3 funds

#
1	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	0.99%	+1.7%	+13.3%	+13.4%	+24.1%	+12.6%	−8.9%	$798.0B
2	DFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.87%	+1.5%	+15.8%	+17.7%	+23.2%	+11.7%	−8.5%	$87.6B
3	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%	$491M

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

All Three

5Y3 funds

#
1	BSPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	0.99%	+1.7%	+13.3%	+13.4%	+24.1%	+12.6%	−8.9%	$798.0B
2	DFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.87%	+1.5%	+15.8%	+17.7%	+23.2%	+11.7%	−8.5%	$87.6B
3	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%	$491M

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 SPY

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

SPY

SPDR S&P 500

$18,060

MeasureHAPISPY

Fee0.35%0.09%

Cost on $10k a year$35$9

Yield0.77%0.99%

5 years, per year[…]+12.6%

3 years, per year+23.9%+24.1%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.2%12.9%

3–2measures won
SPY first

50.2%

holdings shared

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

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$185BAssets$798B

1–0SPYM wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$41.8BAssets$46.0B

1–1level

End-of-day Nov 4, 2026

Overlap: HAPI, DFAC, SPY

Today

68.9%most shared, DFAC and SPY

HAPIDFACSPY

HAPI—41.5%50.2%

DFAC41.5%—68.9%

SPY50.2%68.9%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$90most kept, SPY

SPY$99 − $9 = $90

DFAC$87 − $21 = $66

HAPI$77 − $35 = $42

KeptFee

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