HAPI vs SPYM

AHAPI

BSPYM

Measures won2–3SPYM wins · of 6 · 5Y

$10,000 · 5Y$17,553SPYM · SPY $17,493

Lowest cost0.02%SPYM · $2 on $10k

Most income1.03%SPYM · $103 on $10k

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

Held in common50.8%HAPI and SPYM

HAPI

SPYM

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483MState Street SPDR Portfolio S&P 500 ETF · $179B

+21.9%3 years · per year$18,105 · $18,161+22.0%

[…]5 years · per year[…] · $17,553+11.9%

0.35%Expense ratio$35 · $2 on $10k · lower wins0.02%

0.78%12-mo yield$78 · $103 on $10k1.03%

−8.1%Worst dropSmaller wins−8.9%

12.9%VolatilityLower wins13.7%

2–3SPYM wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · SPYM

6.2%AAPL7.9%

6.1%MSFT6.2%

4.7%NVDA7.1%

6.0%AMZN4.0%

Held in common50.8%

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	BSPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.03%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$178.8B
2	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
3	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.41%	+2.8%	+4.2%	+4.7%	+22.9%	+10.6%	−15.1%	$232.9B
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	BSPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.03%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$178.8B
2	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
3	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.41%	+2.8%	+4.2%	+4.7%	+22.9%	+10.6%	−15.1%	$232.9B
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 SPYM

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

SPYM

SPDR Portfolio S&P 500

$17,553

MeasureHAPISPYM

Fee0.35%0.02%

Cost on $10k a year$35$2

Yield0.78%1.03%

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
SPYM first

50.8%

holdings shared

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

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

Overlap: HAPI, SPY, VUG, SPYM

Today

99.9%most shared, SPY and SPYM

HAPISPYVUGSPYM

HAPI—50.7%43.8%50.8%

SPY50.7%—55.1%99.9%

VUG43.8%55.1%—55.1%

SPYM50.8%99.9%55.1%—

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

Income After Fees on $10,000

$101most kept, SPYM

SPYM$103 − $2 = $101

SPY$101 − $9 = $92

HAPI$78 − $35 = $43

VUG$41 − $3 = $38

KeptFee

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