HAPI vs SPYM

AHAPI

BSPYM

Measures won2–3SPYM wins · of 6 · 5Y

$10,000 · 5Y$17,192SPYM · SPY $17,118

Lowest cost0.02%SPYM · $2 on $10k

Most income1.09%VTI · $109 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) · $503MState Street SPDR Portfolio S&P 500 ETF · $182B

+21.7%3 years · per year$18,006 · $18,082+21.8%

[…]5 years · per year[…] · $17,192+11.4%

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

0.80%12-mo yield$80 · $105 on $10k1.05%

−8.1%Worst dropSmaller wins−8.9%

12.7%VolatilityLower wins13.6%

2–3SPYM wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · SPYM

6.2%AAPL7.9%

6.2%MSFT6.3%

4.6%NVDA6.9%

6.0%AMZN4.0%

Held in common50.8%

End-of-day Nov 6, 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%	1.05%	+0.3%	+8.8%	+9.8%	+21.8%	+11.4%	−8.9%	$181.7B
2	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$818.5B
3	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.09%	+0.4%	+8.9%	+9.9%	+21.7%	+10.4%	−8.9%	$689.2B
4	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.80%	−0.2%	+8.0%	+9.9%	+21.7%	new	−8.1%	$503M

End-of-day Nov 6, 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%	1.05%	+0.3%	+8.8%	+9.8%	+21.8%	+11.4%	−8.9%	$181.7B
2	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	+0.3%	+8.7%	+9.7%	+21.7%	+11.3%	−8.9%	$818.5B
3	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.09%	+0.4%	+8.9%	+9.9%	+21.7%	+10.4%	−8.9%	$689.2B
4	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.80%	−0.2%	+8.0%	+9.9%	+21.7%	new	−8.1%	$503M

End-of-day Nov 6, 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

$17,192

MeasureHAPISPYM

Fee0.35%0.02%

Cost on $10k a year$35$2

Yield0.80%1.05%

5 years, per year[…]+11.4%

3 years, per year+21.7%+21.8%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.7%13.6%

3–2measures won
SPYM first

50.8%

holdings shared

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$92.8B

2–0VTI wins

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+3.2%

JEPIJ.P. Morgan

+5.3%

+3.2%Year to date+5.3%

12.8%Yield8.1%

$42.6BAssets$46.8B

1–1level

End-of-day Nov 6, 2026

Overlap: HAPI, SPYM, VTI, SPY

Today

99.9%most shared, SPYM and SPY

HAPISPYMVTISPY

HAPI—50.8%46.0%50.8%

SPYM50.8%—85.5%99.9%

VTI46.0%85.5%—85.5%

SPY50.8%99.9%85.5%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$106most kept, VTI

VTI$109 − $3 = $106

SPYM$105 − $2 = $103

SPY$103 − $9 = $94

HAPI$80 − $35 = $45

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee