HAPI vs DFAC

AHAPI

BDFAC

Measures won3–2HAPI wins · of 6 · 5Y

$10,000 · 5Y$17,352QQQ · DFAC $16,526

Lowest cost0.03%VTI · $3 on $10k

Most income1.10%VTI · $110 on $10k

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

Held in common41.9%HAPI and DFAC

HAPI

DFAC

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503MDimensional - US Core Equity 2 ETF · $89.2B

+22.1%3 years · per year$18,219 · $17,812+21.2%

[…]5 years · per year[…] · $16,526+10.6%

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

0.80%12-mo yield$80 · $90 on $10k0.90%

−8.1%Worst dropSmaller wins−8.5%

12.8%VolatilityLower wins12.9%

3–2HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · DFAC

6.1%AAPL5.8%

6.2%MSFT5.0%

4.9%NVDA5.1%

5.9%AMZN2.7%

Held in common41.9%

End-of-day Nov 5, 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%	0.48%	−6.5%	+5.7%	+5.0%	+23.3%	+11.7%	−14.8%	$464.6B
2	BDFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.90%	−4.0%	+11.2%	+14.3%	+21.2%	+10.6%	−8.5%	$89.2B
3	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.9%	+21.9%	+10.3%	−8.9%	$689.2B
4	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.80%	−3.7%	+8.2%	+10.5%	+22.1%	new	−8.1%	$503M

End-of-day Nov 5, 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%	0.48%	−6.5%	+5.7%	+5.0%	+23.3%	+11.7%	−14.8%	$464.6B
2	BDFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.90%	−4.0%	+11.2%	+14.3%	+21.2%	+10.6%	−8.5%	$89.2B
3	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.9%	+21.9%	+10.3%	−8.9%	$689.2B
4	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.80%	−3.7%	+8.2%	+10.5%	+22.1%	new	−8.1%	$503M

End-of-day Nov 5, 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

$16,526

MeasureHAPIDFAC

Fee0.35%0.21%

Cost on $10k a year$35$21

Yield0.80%0.90%

5 years, per year[…]+10.6%

3 years, per year+22.1%+21.2%

Worst drop · 1Y−8.1%−8.5%

Volatility · 1Y12.8%12.9%

3–2measures won
HAPI first

41.9%

holdings shared

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

QQQM vs QQQ

YTD

InvescoQQQM

+5.9%

QQQInvesco

+5.7%

+5.9%Year to date+5.7%

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

$106BAssets$465B

2–0QQQM wins

End-of-day Nov 5, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.4%

ITOTiShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$689BAssets$97.0B

0–0level

End-of-day Nov 5, 2026

TQQQ vs QQQ

YTD

ProSharesTQQQ

−3.7%

QQQInvesco

+5.7%

−3.7%Year to date+5.7%

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

$33.2BAssets$465B

2–0QQQ wins

End-of-day Nov 5, 2026

Overlap: HAPI, DFAC, VTI, QQQ

Today

73.1%most shared, DFAC and VTI

HAPIDFACVTIQQQ

HAPI—41.9%46.2%41.6%

DFAC41.9%—73.1%35.0%

VTI46.2%73.1%—49.9%

QQQ41.6%35.0%49.9%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$107most kept, VTI

VTI$110 − $3 = $107

DFAC$90 − $21 = $69

HAPI$80 − $35 = $45

QQQ$48 − $18 = $30

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee