HAPI vs SCHB

AHAPI

BSCHB

Measures won3–2HAPI wins · of 6 · 5Y

$10,000 · 5Y$17,626VTV · SCHB $16,348

Lowest cost0.03%SCHB · $3 on $10k

Most income1.86%VTV · $186 on $10k

Smallest drop−6.4%VTV · worst fall in 1Y

Held in common46.7%HAPI and SCHB

HAPI

SCHB

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503MSchwab U.S. Broad Market ETF · $44.9B

+22.1%3 years · per year$18,219 · $18,100+21.9%

[…]5 years · per year[…] · $16,348+10.3%

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

0.80%12-mo yield$80 · $109 on $10k1.09%

−8.1%Worst dropSmaller wins−8.9%

12.8%VolatilityLower wins13.8%

3–2HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · SCHB

6.1%AAPL6.9%

6.2%MSFT5.6%

4.9%NVDA6.5%

5.9%AMZN3.5%

Held in common46.7%

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	VTV	Vanguard Morningstar Value ETFRead Desk	0.03%	1.86%	−3.1%	+19.0%	+24.0%	+21.3%	+12.0%	−6.4%	$184.2B
2	BSCHB	Schwab U.S. Broad Market ETFRead Desk	0.03%	1.09%	−4.3%	+8.4%	+9.8%	+21.9%	+10.3%	−8.9%	$44.9B
3	IWF	iShares Russell 1000 Growth ETFRead Desk	0.18%	0.39%	−6.4%	−6.5%	−7.6%	+19.5%	+8.9%	−14.6%	$120.5B
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	VTV	Vanguard Morningstar Value ETFRead Desk	0.03%	1.86%	−3.1%	+19.0%	+24.0%	+21.3%	+12.0%	−6.4%	$184.2B
2	BSCHB	Schwab U.S. Broad Market ETFRead Desk	0.03%	1.09%	−4.3%	+8.4%	+9.8%	+21.9%	+10.3%	−8.9%	$44.9B
3	IWF	iShares Russell 1000 Growth ETFRead Desk	0.18%	0.39%	−6.4%	−6.5%	−7.6%	+19.5%	+8.9%	−14.6%	$120.5B
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 SCHB

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

SCHB

Schwab U.S. Broad Market

$16,348

MeasureHAPISCHB

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.80%1.09%

5 years, per year[…]+10.3%

3 years, per year+22.1%+21.9%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.8%13.8%

3–2measures won
HAPI first

46.7%

holdings shared

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

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

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

VTV vs SCHV

YTD

VanguardVTV

+19.0%

SCHVSchwab

+16.6%

+19.0%Year to date+16.6%

1.9%Yield1.8%

$184BAssets$15.9B

2–0VTV wins

End-of-day Nov 5, 2026

Overlap: HAPI, SCHB, IWF, VTV

Today

53.3%most shared, SCHB and IWF

HAPISCHBIWFVTV

HAPI—46.7%43.8%35.3%

SCHB46.7%—53.3%39.1%

IWF43.8%53.3%—11.9%

VTV35.3%39.1%11.9%—

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

Income After Fees on $10,000

$183most kept, VTV

VTV$186 − $3 = $183

SCHB$109 − $3 = $106

HAPI$80 − $35 = $45

IWF$39 − $18 = $21

KeptFee

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