HAPI vs SPYM

AHAPI

BSPYM

Measures won2–3SPYM wins · of 6 · 5Y

$10,000 · 5Y$17,749SPYM · SPY $17,688

Lowest cost0.02%SPYM · $2 on $10k

Most income1.06%VTI · $106 on $10k

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

Held in common49.6%HAPI and SPYM

HAPI

SPYM

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $491MState Street SPDR Portfolio S&P 500 ETF · $185B

+23.6%3 years · per year$18,900 · $19,092+24.1%

[…]5 years · per year[…] · $17,749+12.2%

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

0.79%12-mo yield$79 · $103 on $10k1.03%

−8.1%Worst dropSmaller wins−8.9%

12.1%VolatilityLower wins12.7%

2–3SPYM wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · SPYM

6.0%AAPL7.7%

5.8%MSFT5.9%

5.0%NVDA7.8%

5.6%AMZN3.6%

Held in common49.6%

End-of-day Nov 3, 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%	+0.3%	+11.5%	+11.9%	+24.1%	+12.2%	−8.9%	$185.3B
2	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+0.3%	+11.5%	+11.8%	+24.0%	+12.1%	−8.9%	$798.0B
3	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.06%	+0.3%	+11.7%	+11.9%	+23.8%	+11.0%	−8.9%	$689.2B
4	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.79%	+0.3%	+10.1%	+11.0%	+23.6%	new	−8.1%	$491M

End-of-day Nov 3, 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%	+0.3%	+11.5%	+11.9%	+24.1%	+12.2%	−8.9%	$185.3B
2	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+0.3%	+11.5%	+11.8%	+24.0%	+12.1%	−8.9%	$798.0B
3	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.06%	+0.3%	+11.7%	+11.9%	+23.8%	+11.0%	−8.9%	$689.2B
4	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.79%	+0.3%	+10.1%	+11.0%	+23.6%	new	−8.1%	$491M

End-of-day Nov 3, 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

$17,749

MeasureHAPISPYM

Fee0.35%0.02%

Cost on $10k a year$35$2

Yield0.79%1.03%

5 years, per year[…]+12.2%

3 years, per year+23.6%+24.1%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.1%12.7%

3–2measures won
SPYM first

49.6%

holdings shared

Nov 3, 2026 · $10,000 five years ago, dividends reinvested

VTI vs ITOT

YTD

VanguardVTI

+11.7%

ITOTiShares

+11.6%

+11.7%Year to date+11.6%

1.1%Yield1.0%

$689BAssets$95.4B

2–0VTI wins

End-of-day Nov 3, 2026

SCHD vs VIG

YTD

SchwabSCHD

+32.8%

VIGVanguard

+14.0%

+32.8%Year to date+14.0%

3.0%Yield1.5%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 3, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+7.5%

JEPIJ.P. Morgan

+7.0%

+7.5%Year to date+7.0%

12.3%Yield8.0%

$41.8BAssets$46.0B

2–0JEPQ wins

End-of-day Nov 3, 2026

Overlap: HAPI, SPYM, SPY, VTI

Today

99.9%most shared, SPYM and SPY

HAPISPYMSPYVTI

HAPI—49.6%49.6%46.3%

SPYM49.6%—99.9%87.7%

SPY49.6%99.9%—87.7%

VTI46.3%87.7%87.7%—

End-of-day Nov 3, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$103most kept, VTI

VTI$106 − $3 = $103

SPYM$103 − $2 = $101

SPY$101 − $9 = $92

HAPI$79 − $35 = $44

KeptFee

End-of-day Nov 3, 2026 · yield in dollars minus the fee