HAPI vs VO

AHAPI

BVO

Measures won3–2HAPI wins · of 6 · 5Y

$10,000 · 5Y$17,626VTV · VUG $16,052

Lowest cost0.03%VO · $3 on $10k

Most income1.86%VTV · $186 on $10k

Smallest drop−6.4%VTV · worst fall in 1Y

Held in common13.5%HAPI and VO

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503MVanguard Morningstar Mid-Cap ETF · $103B

+22.1%3 years · per year$18,219 · $16,795+18.9%

[…]5 years · per year[…] · $13,616+6.4%

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

0.80%12-mo yield$80 · $139 on $10k1.39%

−8.1%Worst dropSmaller wins−8.2%

12.8%VolatilityLower wins12.9%

3–2HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · VO

0.6%CEG0.8%

0.5%VLO1.1%

0.5%MSI0.7%

0.4%NUE0.5%

Held in common13.5%

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	VTV	Vanguard Morningstar Value ETFRead Desk	0.03%	1.86%	−3.1%	+19.0%	+24.0%	+21.3%	+12.0%	−6.4%	$184.2B
2	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
3	BVO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.39%	−3.5%	+10.7%	+12.4%	+18.9%	+6.4%	−8.2%	$103.4B
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	VTV	Vanguard Morningstar Value ETFRead Desk	0.03%	1.86%	−3.1%	+19.0%	+24.0%	+21.3%	+12.0%	−6.4%	$184.2B
2	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
3	BVO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.39%	−3.5%	+10.7%	+12.4%	+18.9%	+6.4%	−8.2%	$103.4B
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 VO

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

Vanguard Morningstar Mid-Cap

$13,616

MeasureHAPIVO

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.80%1.39%

5 years, per year[…]+6.4%

3 years, per year+22.1%+18.9%

Worst drop · 1Y−8.1%−8.2%

Volatility · 1Y12.8%12.9%

3–2measures won
HAPI first

13.5%

holdings shared

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

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$62.5B

1–1level

End-of-day Nov 5, 2026

VTV vs SCHV

YTD

VanguardVTV

+19.0%

SCHVSchwab

+16.6%

+19.0%Year to date+16.6%

1.9%Yield1.8%

$184BAssets$15.9B

2–0VTV wins

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%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 5, 2026

Overlap: HAPI, VO, VUG, VTV

Today

43.9%most shared, HAPI and VUG

HAPIVOVUGVTV

HAPI—13.5%43.9%35.3%

VO13.5%—10.2%28.5%

VUG43.9%10.2%—1.9%

VTV35.3%28.5%1.9%—

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

Income After Fees on $10,000

$183most kept, VTV

VTV$186 − $3 = $183

VO$139 − $3 = $136

HAPI$80 − $35 = $45

VUG$43 − $3 = $40

KeptFee

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