HAPI vs SPYM

AHAPI

BSPYM

Measures won2–2level · of 6 · 5Y

$10,000 · 5Y$17,352QQQ · SPYM $17,164

Lowest cost0.02%SPYM · $2 on $10k

Most income1.14%IVV · $114 on $10k

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

Held in common50.6%HAPI and SPYM

HAPI

SPYM

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503MState Street SPDR Portfolio S&P 500 ETF · $182B

+22.1%3 years · per year$18,219 · $18,222+22.1%

[…]5 years · per year[…] · $17,164+11.4%

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

0.80%12-mo yield$80 · $106 on $10k1.06%

−8.1%Worst dropSmaller wins−8.9%

12.8%VolatilityLower wins13.6%

2–2Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · SPYM

6.2%MSFT6.2%

6.1%AAPL7.7%

4.9%NVDA7.3%

5.9%AMZN3.9%

Held in common50.6%

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	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.48%	−6.5%	+5.7%	+5.0%	+23.3%	+11.7%	−14.8%	$469.3B
2	BSPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.06%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$181.7B
3	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$850.0B
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	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.48%	−6.5%	+5.7%	+5.0%	+23.3%	+11.7%	−14.8%	$469.3B
2	BSPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.06%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$181.7B
3	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$850.0B
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 SPYM

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

SPYM

SPDR Portfolio S&P 500

$17,164

MeasureHAPISPYM

Fee0.35%0.02%

Cost on $10k a year$35$2

Yield0.80%1.06%

5 years, per year[…]+11.4%

3 years, per year+22.1%+22.1%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.8%13.6%

2–2measures won
level

50.6%

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

QQQM vs QQQ

YTD

InvescoQQQM

+5.9%

QQQInvesco

+5.7%

+5.9%Year to date+5.7%

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

$107BAssets$469B

2–0QQQM wins

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$850B

0–0level

End-of-day Nov 5, 2026

Overlap: HAPI, SPYM, IVV, QQQ

Today

99.9%most shared, SPYM and IVV

HAPISPYMIVVQQQ

HAPI—50.6%50.6%41.6%

SPYM50.6%—99.9%52.8%

IVV50.6%99.9%—52.8%

QQQ41.6%52.8%52.8%—

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

Income After Fees on $10,000

$111most kept, IVV

IVV$114 − $3 = $111

SPYM$106 − $2 = $104

HAPI$80 − $35 = $45

QQQ$48 − $18 = $30

KeptFee

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