HAPI vs VUG

AHAPI

BVUG

Measures won3–2HAPI wins · of 6 · 5Y

$10,000 · 5Y$17,099SPY · VUG $16,052

Lowest cost0.03%VUG · $3 on $10k

Most income1.03%SPY · $103 on $10k

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

Held in common43.9%HAPI and VUG

HAPI

VUG

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503MVanguard Morningstar Growth ETF · $233B

+22.1%3 years · per year$18,219 · $18,532+22.8%

[…]5 years · per year[…] · $16,052+9.9%

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

0.80%12-mo yield$80 · $43 on $10k0.43%

−8.1%Worst dropSmaller wins−15.1%

12.8%VolatilityLower wins19.0%

3–2HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · VUG

6.2%MSFT9.7%

6.1%AAPL12.5%

4.9%NVDA13.5%

5.9%AMZN4.3%

Held in common43.9%

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	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	−4.4%	+8.3%	+9.7%	+22.0%	+11.3%	−8.9%	$818.5B
2	BVUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
3	IWF	iShares Russell 1000 Growth ETFRead Desk	0.18%	0.39%	−6.4%	−6.5%	−7.6%	+19.5%	+8.9%	−14.6%	$112.9B
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	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	−4.4%	+8.3%	+9.7%	+22.0%	+11.3%	−8.9%	$818.5B
2	BVUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
3	IWF	iShares Russell 1000 Growth ETFRead Desk	0.18%	0.39%	−6.4%	−6.5%	−7.6%	+19.5%	+8.9%	−14.6%	$112.9B
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 VUG

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

VUG

Vanguard Morningstar Growth

$16,052

MeasureHAPIVUG

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.80%0.43%

5 years, per year[…]+9.9%

3 years, per year+22.1%+22.8%

Worst drop · 1Y−8.1%−15.1%

Volatility · 1Y12.8%19.0%

3–2measures won
HAPI first

43.9%

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$819B

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$59.1B

1–1level

End-of-day Nov 5, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.3%

VIGVanguard

+12.5%

+32.3%Year to date+12.5%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

Overlap: HAPI, SPY, VUG, IWF

Today

78.0%most shared, VUG and IWF

HAPISPYVUGIWF

HAPI—50.6%43.9%43.8%

SPY50.6%—55.4%56.4%

VUG43.9%55.4%—78.0%

IWF43.8%56.4%78.0%—

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

Income After Fees on $10,000

$94most kept, SPY

SPY$103 − $9 = $94

HAPI$80 − $35 = $45

VUG$43 − $3 = $40

IWF$39 − $18 = $21

KeptFee

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