HAPI vs VUG

AHAPI

BVUG

Measures won3–2HAPI wins · of 6 · 5Y

$10,000 · 5Y$18,060SPY · VUG $17,153

Lowest cost0.03%VUG · $3 on $10k

Most income0.99%SPY · $99 on $10k

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

Held in common43.7%HAPI and VUG

HAPI

VUG

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $491MVanguard Morningstar Growth ETF · $233B

+23.9%3 years · per year$19,002 · $19,712+25.4%

[…]5 years · per year[…] · $17,153+11.4%

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

0.77%12-mo yield$77 · $40 on $10k0.40%

−8.1%Worst dropSmaller wins−16.1%

12.2%VolatilityLower wins18.2%

3–2HAPI wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsHAPI · VUG

5.9%MSFT9.7%

5.9%AAPL12.5%

5.1%NVDA13.5%

5.7%AMZN4.3%

Held in common43.7%

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	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	0.99%	+1.7%	+13.3%	+13.4%	+24.1%	+12.6%	−8.9%	$798.0B
2	BVUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.40%	+1.5%	+6.3%	+3.4%	+25.4%	+11.4%	−16.1%	$232.9B
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%	$491M

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	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	0.99%	+1.7%	+13.3%	+13.4%	+24.1%	+12.6%	−8.9%	$798.0B
2	BVUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.40%	+1.5%	+6.3%	+3.4%	+25.4%	+11.4%	−16.1%	$232.9B
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%	$491M

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 VUG

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

VUG

Vanguard Morningstar Growth

$17,153

MeasureHAPIVUG

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.77%0.40%

5 years, per year[…]+11.4%

3 years, per year+23.9%+25.4%

Worst drop · 1Y−8.1%−16.1%

Volatility · 1Y12.2%18.2%

3–2measures won
HAPI first

43.7%

holdings shared

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

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$185BAssets$798B

1–0SPYM wins

End-of-day Nov 4, 2026

VUG vs SCHG

YTD

VanguardVUG

+6.3%

SCHGSchwab

+6.8%

+6.3%Year to date+6.8%

0.03% · $3Fee · on $10k a year0.04% · $4

$233BAssets$61.1B

1–1level

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%

$121BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

Overlap: HAPI, VUG, SPY

Today

55.4%most shared, VUG and SPY

HAPIVUGSPY

HAPI—43.7%50.2%

VUG43.7%—55.4%

SPY50.2%55.4%—

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

Income After Fees on $10,000

$90most kept, SPY

SPY$99 − $9 = $90

HAPI$77 − $35 = $42

VUG$40 − $3 = $37

KeptFee

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