HAPI vs IWF

AHAPI

BIWF

Measures won4–1HAPI wins · of 6 · 5Y

$10,000 · 5Y$16,697VTI · IWF $15,892

Lowest cost0.03%VTI · $3 on $10k

Most income1.21%IJR · $121 on $10k

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

Held in common44.0%HAPI and IWF

HAPI

IWF

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483MiShares Russell 1000 Growth ETF · $115B

+21.9%3 years · per year$18,105 · $17,207+19.8%

[…]5 years · per year[…] · $15,892+9.7%

0.35%Expense ratio$35 · $18 on $10k · lower wins0.18%

0.78%12-mo yield$78 · $38 on $10k0.38%

−8.1%Worst dropSmaller wins−14.6%

12.9%VolatilityLower wins19.5%

4–1HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · IWF

6.2%AAPL8.8%

6.1%MSFT6.5%

4.7%NVDA14.3%

4.3%GOOGL5.5%

Held in common44.0%

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	BIWF	iShares Russell 1000 Growth ETFRead Desk	0.18%	0.38%	+2.9%	−2.5%	−2.2%	+19.8%	+9.7%	−14.6%	$114.6B
3	IJR	iShares Core S&P Small-Cap ETFRead Desk	0.06%	1.21%	+3.0%	+18.9%	+22.8%	+17.4%	+5.8%	−9.7%	$103.8B
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	BIWF	iShares Russell 1000 Growth ETFRead Desk	0.18%	0.38%	+2.9%	−2.5%	−2.2%	+19.8%	+9.7%	−14.6%	$114.6B
3	IJR	iShares Core S&P Small-Cap ETFRead Desk	0.06%	1.21%	+3.0%	+18.9%	+22.8%	+17.4%	+5.8%	−9.7%	$103.8B
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 IWF

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

IWF

iShares Russell 1000 Growth

$15,892

MeasureHAPIIWF

Fee0.35%0.18%

Cost on $10k a year$35$18

Yield0.78%0.38%

5 years, per year[…]+9.7%

3 years, per year+21.9%+19.8%

Worst drop · 1Y−8.1%−14.6%

Volatility · 1Y12.9%19.5%

4–1measures won
HAPI first

44.0%

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$93.2B

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$59.7B

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%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: HAPI, IWF, VTI, IJR

Today

55.8%most shared, IWF and VTI

HAPIIWFVTIIJR

HAPI—44.0%46.1%0.1%

IWF44.0%—55.8%0.1%

VTI46.1%55.8%—2.2%

IJR0.1%0.1%2.2%—

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

Income After Fees on $10,000

$115most kept, IJR

IJR$121 − $6 = $115

VTI$106 − $3 = $103

HAPI$78 − $35 = $43

IWF$38 − $18 = $20

KeptFee

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