HAPI vs VTV

AHAPI

BVTV

Measures won1–4VTV wins · of 6 · 5Y

$10,000 · 5Y$17,626VTV · VTI $16,332

Lowest cost0.03%VTV · $3 on $10k

Most income1.86%VTV · $186 on $10k

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

Held in common35.3%HAPI and VTV

HAPI

VTV

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503MVanguard Morningstar Value ETF · $184B

+22.1%3 years · per year$18,219 · $17,832+21.3%

[…]5 years · per year[…] · $17,626+12.0%

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

0.80%12-mo yield$80 · $186 on $10k1.86%

−8.1%Worst dropSmaller wins−6.4%

12.8%VolatilityLower wins10.7%

1–4VTV wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · VTV

3.2%JPM3.3%

1.5%JNJ2.4%

2.1%CVX1.5%

2.9%CSCO1.4%

Held in common35.3%

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	BVTV	Vanguard Morningstar Value ETFRead Desk	0.03%	1.86%	−3.1%	+19.0%	+24.0%	+21.3%	+12.0%	−6.4%	$184.2B
2	VTI	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
3	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
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	BVTV	Vanguard Morningstar Value ETFRead Desk	0.03%	1.86%	−3.1%	+19.0%	+24.0%	+21.3%	+12.0%	−6.4%	$184.2B
2	VTI	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
3	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
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 VTV

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

VTV

Vanguard Morningstar Value

$17,626

MeasureHAPIVTV

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.80%1.86%

5 years, per year[…]+12.0%

3 years, per year+22.1%+21.3%

Worst drop · 1Y−8.1%−6.4%

Volatility · 1Y12.8%10.7%

4–1measures won
VTV first

35.3%

holdings shared

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

VTI vs ITOT

YTD

VanguardVTI

+8.4%

ITOTiShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$689BAssets$92.8B

0–0level

End-of-day Nov 5, 2026

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$59.1B

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$15.4B

2–0VTV wins

End-of-day Nov 5, 2026

Overlap: HAPI, VTV, VTI, VUG

Today

52.8%most shared, VTI and VUG

HAPIVTVVTIVUG

HAPI—35.3%46.2%43.9%

VTV35.3%—37.1%1.9%

VTI46.2%37.1%—52.8%

VUG43.9%1.9%52.8%—

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

VTI$110 − $3 = $107

HAPI$80 − $35 = $45

VUG$43 − $3 = $40

KeptFee

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