HAPI vs VTI

AHAPI

BVTI

Measures won2–2level · of 6 · 5Y

$10,000 · 5Y$17,543VOO · VTI $16,697

Lowest cost0.03%VTI · $3 on $10k

Most income1.21%IJH · $121 on $10k

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

Held in common46.0%HAPI and VTI

HAPI

VTI

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483MVanguard Morningstar Total Stock Market ETF · $689B

+21.8%3 years · per year$18,077 · $18,090+21.8%

[…]5 years · per year[…] · $16,697+10.8%

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

0.78%12-mo yield$78 · $106 on $10k1.06%

−8.1%Worst dropSmaller wins−8.9%

12.9%VolatilityLower wins13.9%

2–2Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · VTI

6.2%AAPL6.6%

6.2%MSFT5.2%

4.6%NVDA7.1%

6.0%AMZN3.3%

Held in common46.0%

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	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
2	BVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.06%	+2.5%	+11.6%	+13.9%	+21.8%	+10.8%	−8.9%	$689.2B
3	IJH	iShares Core S&P Mid-Cap ETFRead Desk	0.05%	1.21%	+3.2%	+13.6%	+17.5%	+16.9%	+7.0%	−8.8%	$121.4B
4	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.78%	+2.2%	+10.4%	+13.5%	+21.8%	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	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
2	BVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.06%	+2.5%	+11.6%	+13.9%	+21.8%	+10.8%	−8.9%	$689.2B
3	IJH	iShares Core S&P Mid-Cap ETFRead Desk	0.05%	1.21%	+3.2%	+13.6%	+17.5%	+16.9%	+7.0%	−8.8%	$121.4B
4	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.78%	+2.2%	+10.4%	+13.5%	+21.8%	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 VTI

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

VTI

Vanguard Morningstar Total Stock Market

$16,697

MeasureHAPIVTI

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.78%1.06%

5 years, per year[…]+10.8%

3 years, per year+21.8%+21.8%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.9%13.9%

2–2measures won
level

46.0%

holdings shared

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

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.6%

+11.6%Year to date+11.6%

1.1%Yield1.0%

$689BAssets$93.2B

1–0VTI wins

End-of-day Nov 9, 2026

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+8.7%

+11.3%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$853B

1–0VOO wins

End-of-day Nov 9, 2026

Overlap: HAPI, VTI, IJH, VOO

Today

89.0%most shared, VTI and VOO

HAPIVTIIJHVOO

HAPI—46.0%0.2%49.7%

VTI46.0%—4.6%89.0%

IJH0.2%4.6%—0.1%

VOO49.7%89.0%0.1%—

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

Income After Fees on $10,000

$116most kept, IJH

IJH$121 − $5 = $116

VOO$107 − $3 = $104

VTI$106 − $3 = $103

HAPI$78 − $35 = $43

KeptFee

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