HAPI vs VTI

AHAPI

BVTI

Measures won2–3VTI wins · of 6 · 5Y

$10,000 · 5Y$18,352VTV · VTI $17,257

Lowest cost0.03%VTI · $3 on $10k

Most income1.80%VTV · $180 on $10k

Smallest drop−6.4%VTV · 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

+23.9%3 years · per year$19,002 · $19,059+24.0%

[…]5 years · per year[…] · $17,257+11.5%

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

0.77%12-mo yield$77 · $105 on $10k1.05%

−8.1%Worst dropSmaller wins−8.9%

12.2%VolatilityLower wins13.1%

2–3VTI wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsHAPI · VTI

5.9%AAPL6.6%

5.9%MSFT5.2%

5.1%NVDA7.1%

5.7%AMZN3.3%

Held in common46.2%

End-of-day Nov 4, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

5Y3 funds

#
1	VTV	Vanguard Morningstar Value ETFRead Desk	0.03%	1.80%	+1.5%	+22.8%	+27.5%	+22.9%	+12.9%	−6.4%	$184.2B
2	BVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.05%	+1.5%	+13.4%	+13.5%	+24.0%	+11.5%	−8.9%	$689.2B
3	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.77%	+2.0%	+12.3%	+13.6%	+23.9%	new	−8.1%	$503M

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	VTV	Vanguard Morningstar Value ETFRead Desk	0.03%	1.80%	+1.5%	+22.8%	+27.5%	+22.9%	+12.9%	−6.4%	$184.2B
2	BVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.05%	+1.5%	+13.4%	+13.5%	+24.0%	+11.5%	−8.9%	$689.2B
3	AHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.77%	+2.0%	+12.3%	+13.6%	+23.9%	new	−8.1%	$503M

End-of-day Nov 4, 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

$17,257

MeasureHAPIVTI

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.77%1.05%

5 years, per year[…]+11.5%

3 years, per year+23.9%+24.0%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.2%13.1%

3–2measures won
VTI first

46.2%

holdings shared

Nov 4, 2026 · $10,000 five years ago, dividends reinvested

VTI vs ITOT

YTD

VanguardVTI

+13.4%

ITOTiShares

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$689BAssets$97.0B

1–0VTI wins

End-of-day Nov 4, 2026

VTV vs SCHV

YTD

VanguardVTV

+22.8%

SCHVSchwab

+20.4%

+22.8%Year to date+20.4%

1.8%Yield1.8%

$184BAssets$15.9B

1–0VTV wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

Overlap: HAPI, VTI, VTV

Today

46.2%most shared, HAPI and VTI

HAPIVTIVTV

HAPI—46.2%35.3%

VTI46.2%—37.1%

VTV35.3%37.1%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$177most kept, VTV

VTV$180 − $3 = $177

VTI$105 − $3 = $102

HAPI$77 − $35 = $42

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee