HAPI vs VOO

AHAPI

BVOO

Measures won2–3VOO wins · of 6 · 5Y

$10,000 · 5Y$18,068QQQ · VOO $17,543

Lowest cost0.03%VO · $3 on $10k

Most income1.35%VO · $135 on $10k

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

Held in common49.8%HAPI and VOO

HAPI

VOO

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483MVanguard S&P 500 ETF · $1.00T

+21.9%3 years · per year$18,105 · $18,159+22.0%

[…]5 years · per year[…] · $17,543+11.9%

0.35%Expense ratio$35 · $3 on $10k · lower wins0.03%

0.78%12-mo yield$78 · $107 on $10k1.07%

−8.1%Worst dropSmaller wins−8.9%

12.9%VolatilityLower wins13.7%

2–3VOO wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · VOO

6.2%AAPL7.4%

6.1%MSFT5.8%

4.7%NVDA8.4%

6.0%AMZN3.7%

Held in common49.8%

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	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.46%	+3.5%	+11.0%	+11.6%	+23.9%	+12.6%	−14.8%	$446.1B
2	BVOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
3	VO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.35%	+2.7%	+13.6%	+15.6%	+18.8%	+6.8%	−8.2%	$103.4B
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	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.46%	+3.5%	+11.0%	+11.6%	+23.9%	+12.6%	−14.8%	$446.1B
2	BVOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
3	VO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.35%	+2.7%	+13.6%	+15.6%	+18.8%	+6.8%	−8.2%	$103.4B
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 VOO

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

VOO

Vanguard S&P 500

$17,543

MeasureHAPIVOO

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.78%1.07%

5 years, per year[…]+11.9%

3 years, per year+21.9%+22.0%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.9%13.7%

3–2measures won
VOO first

49.8%

holdings shared

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

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

QQQM vs QQQ

YTD

InvescoQQQM

+10.9%

QQQInvesco

+11.0%

+10.9%Year to date+11.0%

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

$103BAssets$446B

1–1level

End-of-day Nov 9, 2026

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+11.3%

+11.3%Year to date+11.3%

1.1%Yield1.1%

$1.00TAssets$853B

0–0level

End-of-day Nov 9, 2026

Overlap: HAPI, QQQ, VO, VOO

Today

54.9%most shared, QQQ and VOO

HAPIQQQVOVOO

HAPI—41.8%13.5%49.8%

QQQ41.8%—9.2%54.9%

VO13.5%9.2%—15.4%

VOO49.8%54.9%15.4%—

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

Income After Fees on $10,000

$132most kept, VO

VO$135 − $3 = $132

VOO$107 − $3 = $104

HAPI$78 − $35 = $43

QQQ$46 − $18 = $28

KeptFee

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