SPY vs DFAC

ASPY

BDFAC

Measures won4–2SPY wins · of 6 · 5Y

$10,000 · 5Y$17,493SPY · DFAC $16,820

Lowest cost0.09%SPY · $9 on $10k

Most income1.01%SPY · $101 on $10k

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

Held in common68.9%SPY and DFAC

SPY

DFAC

State Street SPDR S&P 500 ETF · $778BDimensional - US Core Equity 2 ETF · $85.6B

+21.9%3 years · per year$18,118 · $17,787+21.2%

+11.8%5 years · per year$17,493 · $16,820+11.0%

0.09%Expense ratio$9 · $21 on $10k · lower wins0.21%

1.01%12-mo yield$101 · $88 on $10k0.88%

−8.9%Worst dropSmaller wins−8.5%

13.7%VolatilityLower wins13.1%

4–2SPY wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsSPY · DFAC

7.9%AAPL5.9%

6.2%MSFT5.0%

7.1%NVDA4.9%

4.0%AMZN2.7%

Held in common68.9%

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 Three

5Y3 funds

#
1	ASPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
2	BDFAC	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	HAPI	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 Three

5Y3 funds

#
1	ASPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
2	BDFAC	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	HAPI	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

SPY vs DFAC

SPY

SPDR S&P 500

$17,493

DFAC

Dimensional - US Core Equity 2

$16,820

MeasureSPYDFAC

Fee0.09%0.21%

Cost on $10k a year$9$21

Yield1.01%0.88%

5 years, per year+11.8%+11.0%

3 years, per year+21.9%+21.2%

Worst drop · 1Y−8.9%−8.5%

Volatility · 1Y13.7%13.1%

4–2measures won
SPY first

68.9%

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

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

Overlap: HAPI, DFAC, SPY

Today

68.9%most shared, DFAC and SPY

HAPIDFACSPY

HAPI—41.9%50.7%

DFAC41.9%—68.9%

SPY50.7%68.9%—

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

Income After Fees on $10,000

$92most kept, SPY

SPY$101 − $9 = $92

DFAC$88 − $21 = $67

HAPI$78 − $35 = $43

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee