HAPI vs IJH

AHAPI

BIJH

Measures won3–2HAPI wins · of 6 · 5Y

$10,000 · 5Y$17,151IVV · VUG $16,052

Lowest cost0.03%IVV · $3 on $10k

Most income1.26%IJH · $126 on $10k

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

Held in common0.2%HAPI and IJH

HAPI

IJH

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503MiShares Core S&P Mid-Cap ETF · $125B

+22.1%3 years · per year$18,219 · $15,806+16.5%

[…]5 years · per year[…] · $13,830+6.7%

0.35%Expense ratio$35 · $5 on $10k · lower wins0.05%

0.80%12-mo yield$80 · $126 on $10k1.26%

−8.1%Worst dropSmaller wins−8.8%

12.8%VolatilityLower wins15.5%

3–2HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · IJH

0.1%PINS0.3%

0.0%CTVA0.2%

0.0%RYAN0.1%

Held in common0.2%

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	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$886.8B
2	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
3	BIJH	iShares Core S&P Mid-Cap ETFRead Desk	0.05%	1.26%	−3.9%	+9.5%	+12.9%	+16.5%	+6.7%	−8.8%	$125.4B
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	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$886.8B
2	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
3	BIJH	iShares Core S&P Mid-Cap ETFRead Desk	0.05%	1.26%	−3.9%	+9.5%	+12.9%	+16.5%	+6.7%	−8.8%	$125.4B
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 IJH

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

IJH

iShares Core S&P Mid-Cap

$13,830

MeasureHAPIIJH

Fee0.35%0.05%

Cost on $10k a year$35$5

Yield0.80%1.26%

5 years, per year[…]+6.7%

3 years, per year+22.1%+16.5%

Worst drop · 1Y−8.1%−8.8%

Volatility · 1Y12.8%15.5%

3–2measures won
HAPI first

0.2%

holdings shared

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

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$805B

2–0SPYM wins

End-of-day Nov 5, 2026

VUG vs SCHG

YTD

VanguardVUG

+0.5%

SCHGSchwab

+0.9%

+0.5%Year to date+0.9%

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

$233BAssets$62.5B

1–1level

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

End-of-day Nov 5, 2026

Overlap: HAPI, IJH, IVV, VUG

Today

55.4%most shared, IVV and VUG

HAPIIJHIVVVUG

HAPI—0.2%50.6%43.9%

IJH0.2%—0.0%0.0%

IVV50.6%0.0%—55.4%

VUG43.9%0.0%55.4%—

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

Income After Fees on $10,000

$121most kept, IJH

IJH$126 − $5 = $121

IVV$114 − $3 = $111

HAPI$80 − $35 = $45

VUG$43 − $3 = $40

KeptFee

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