HAPI vs VTI

AHAPI

BVTI

Measures won2–2level · of 6 · 5Y

$10,000 · 5Y$17,177IVV · VTI $16,375

Lowest cost0.03%VTI · $3 on $10k

Most income1.24%IJR · $124 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) · $503MVanguard Morningstar Total Stock Market ETF · $689B

+21.7%3 years · per year$18,006 · $18,004+21.7%

[…]5 years · per year[…] · $16,375+10.4%

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

0.80%12-mo yield$80 · $109 on $10k1.09%

−8.1%Worst dropSmaller wins−8.9%

12.7%VolatilityLower wins13.7%

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 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	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$850.0B
2	BVTI	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
3	IJR	iShares Core S&P Small-Cap ETFRead Desk	0.06%	1.24%	+0.1%	+15.5%	+17.6%	+17.3%	+5.7%	−9.7%	$103.7B
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	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	+0.3%	+8.7%	+9.8%	+21.8%	+11.4%	−8.9%	$850.0B
2	BVTI	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
3	IJR	iShares Core S&P Small-Cap ETFRead Desk	0.06%	1.24%	+0.1%	+15.5%	+17.6%	+17.3%	+5.7%	−9.7%	$103.7B
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 VTI

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

VTI

Vanguard Morningstar Total Stock Market

$16,375

MeasureHAPIVTI

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.80%1.09%

5 years, per year[…]+10.4%

3 years, per year+21.7%+21.7%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.7%13.7%

2–2measures won
level

46.0%

holdings shared

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

SPYM vs SPY

YTD

SPDRSPYM

+8.8%

SPYSPDR

+8.7%

+8.8%Year to date+8.7%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 6, 2026

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

VOO vs IVV

YTD

VanguardVOO

+8.7%

IVViShares

+8.7%

+8.7%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$850B

0–0level

End-of-day Nov 6, 2026

Overlap: HAPI, VTI, IJR, IVV

Today

85.5%most shared, VTI and IVV

HAPIVTIIJRIVV

HAPI—46.0%0.1%50.8%

VTI46.0%—2.2%85.5%

IJR0.1%2.2%—0.0%

IVV50.8%85.5%0.0%—

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

Income After Fees on $10,000

$118most kept, IJR

IJR$124 − $6 = $118

IVV$114 − $3 = $111

VTI$109 − $3 = $106

HAPI$80 − $35 = $45

KeptFee

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