HAPI vs VTI

AHAPI

BVTI

Measures won3–2HAPI wins · of 6 · 5Y

$10,000 · 5Y$17,151IVV · SPY $17,099

Lowest cost0.03%VTI · $3 on $10k

Most income1.14%IVV · $114 on $10k

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

Held in common46.2%HAPI and VTI

HAPI

VTI

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503MVanguard Morningstar Total Stock Market ETF · $689B

+22.1%3 years · per year$18,219 · $18,113+21.9%

[…]5 years · per year[…] · $16,332+10.3%

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

0.80%12-mo yield$80 · $110 on $10k1.10%

−8.1%Worst dropSmaller wins−8.9%

12.8%VolatilityLower wins13.7%

3–2HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · VTI

6.1%AAPL6.6%

6.2%MSFT5.2%

4.9%NVDA7.1%

5.9%AMZN3.3%

Held in common46.2%

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	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$886.8B
2	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	−4.4%	+8.3%	+9.7%	+22.0%	+11.3%	−8.9%	$804.8B
3	BVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.9%	+21.9%	+10.3%	−8.9%	$689.2B
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	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$886.8B
2	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.03%	−4.4%	+8.3%	+9.7%	+22.0%	+11.3%	−8.9%	$804.8B
3	BVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.9%	+21.9%	+10.3%	−8.9%	$689.2B
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 VTI

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

VTI

Vanguard Morningstar Total Stock Market

$16,332

MeasureHAPIVTI

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.80%1.10%

5 years, per year[…]+10.3%

3 years, per year+22.1%+21.9%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.8%13.7%

3–2measures won
HAPI first

46.2%

holdings shared

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

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$805B

2–0SPYM wins

End-of-day Nov 5, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.4%

ITOTiShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$689BAssets$97.0B

0–0level

End-of-day Nov 5, 2026

VOO vs IVV

YTD

VanguardVOO

+8.4%

IVViShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$1.00TAssets$887B

0–0level

End-of-day Nov 5, 2026

Overlap: HAPI, VTI, SPY, IVV

Today

99.9%most shared, SPY and IVV

HAPIVTISPYIVV

HAPI—46.2%50.6%50.6%

VTI46.2%—86.5%86.5%

SPY50.6%86.5%—99.9%

IVV50.6%86.5%99.9%—

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

Income After Fees on $10,000

$111most kept, IVV

IVV$114 − $3 = $111

VTI$110 − $3 = $107

SPY$103 − $9 = $94

HAPI$80 − $35 = $45

KeptFee

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