HAPI vs DFAC

AHAPI

BDFAC

Measures won3–2HAPI wins · of 6 · 5Y

$10,000 · 5Y$18,115VOO · DFAC $17,417

Lowest cost0.03%VOO · $3 on $10k

Most income1.05%VOO · $105 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) · $491MDimensional - US Core Equity 2 ETF · $87.6B

+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	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.05%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$1.00T
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%	$87.6B
3	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.05%	+1.5%	+13.4%	+13.5%	+24.0%	+11.5%	−8.9%	$689.2B
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%	$491M

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	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.05%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$1.00T
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%	$87.6B
3	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.05%	+1.5%	+13.4%	+13.5%	+24.0%	+11.5%	−8.9%	$689.2B
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%	$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 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

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

VTI vs ITOT

YTD

VanguardVTI

+13.4%

ITOTiShares

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$689BAssets$95.4B

1–0VTI wins

End-of-day Nov 4, 2026

VOO vs IVV

YTD

VanguardVOO

+13.4%

IVViShares

+13.4%

+13.4%Year to date+13.4%

1.1%Yield1.1%

$1.00TAssets$872B

0–0level

End-of-day Nov 4, 2026

Overlap: HAPI, DFAC, VOO, VTI

Today

89.0%most shared, VOO and VTI

HAPIDFACVOOVTI

HAPI—41.5%49.9%46.2%

DFAC41.5%—67.6%73.0%

VOO49.9%67.6%—89.0%

VTI46.2%73.0%89.0%—

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

Income After Fees on $10,000

$102most kept, VOO

VOO$105 − $3 = $102

VTI$105 − $3 = $102

DFAC$87 − $21 = $66

HAPI$77 − $35 = $42

KeptFee

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