HAPI vs IJH

AHAPI

BIJH

Measures won3–2HAPI wins · of 6 · 5Y

$10,000 · 5Y$16,697VTI · VUG $16,565

Lowest cost0.03%VTI · $3 on $10k

Most income1.21%IJH · $121 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) · $483MiShares Core S&P Mid-Cap ETF · $125B

+21.9%3 years · per year$18,105 · $15,960+16.9%

[…]5 years · per year[…] · $14,049+7.0%

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

0.78%12-mo yield$78 · $121 on $10k1.21%

−8.1%Worst dropSmaller wins−8.8%

12.9%VolatilityLower wins15.8%

3–2HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · IJH

0.1%PINS0.3%

0.0%CTVA0.2%

0.0%RYAN0.2%

Held in common0.2%

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 Four

5Y4 funds

#
1	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.06%	+2.5%	+11.6%	+13.9%	+21.8%	+10.8%	−8.9%	$689.2B
2	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.41%	+2.8%	+4.2%	+4.7%	+22.9%	+10.6%	−15.1%	$232.9B
3	BIJH	iShares Core S&P Mid-Cap ETFRead Desk	0.05%	1.21%	+3.2%	+13.6%	+17.5%	+16.9%	+7.0%	−8.8%	$125.2B
4	AHAPI	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 Four

5Y4 funds

#
1	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.06%	+2.5%	+11.6%	+13.9%	+21.8%	+10.8%	−8.9%	$689.2B
2	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.41%	+2.8%	+4.2%	+4.7%	+22.9%	+10.6%	−15.1%	$232.9B
3	BIJH	iShares Core S&P Mid-Cap ETFRead Desk	0.05%	1.21%	+3.2%	+13.6%	+17.5%	+16.9%	+7.0%	−8.8%	$125.2B
4	AHAPI	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

HAPI vs IJH

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

IJH

iShares Core S&P Mid-Cap

$14,049

MeasureHAPIIJH

Fee0.35%0.05%

Cost on $10k a year$35$5

Yield0.78%1.21%

5 years, per year[…]+7.0%

3 years, per year+21.9%+16.9%

Worst drop · 1Y−8.1%−8.8%

Volatility · 1Y12.9%15.8%

3–2measures won
HAPI first

0.2%

holdings shared

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$95.6B

2–0VTI wins

End-of-day Nov 9, 2026

VUG vs SCHG

YTD

VanguardVUG

+4.2%

SCHGSchwab

+4.8%

+4.2%Year to date+4.8%

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

$233BAssets$61.4B

1–1level

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%

$122BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: HAPI, IJH, VTI, VUG

Today

52.8%most shared, VTI and VUG

HAPIIJHVTIVUG

HAPI—0.2%46.1%43.8%

IJH0.2%—4.6%0.0%

VTI46.1%4.6%—52.8%

VUG43.8%0.0%52.8%—

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

Income After Fees on $10,000

$116most kept, IJH

IJH$121 − $5 = $116

VTI$106 − $3 = $103

HAPI$78 − $35 = $43

VUG$41 − $3 = $38

KeptFee

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