HAPI vs IVV

AHAPI

BIVV

Measures won2–3IVV wins · of 6 · 5Y

$10,000 · 5Y$18,118IVV · VOO $18,115

Lowest cost0.03%VUG · $3 on $10k

Most income1.09%IVV · $109 on $10k

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

Held in common50.2%HAPI and IVV

HAPI

IVV

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $503MiShares Core S&P 500 ETF · $887B

+23.9%3 years · per year$19,002 · $19,178+24.2%

[…]5 years · per year[…] · $18,118+12.6%

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

0.77%12-mo yield$77 · $109 on $10k1.09%

−8.1%Worst dropSmaller wins−8.9%

12.2%VolatilityLower wins12.9%

2–3IVV wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · IVV

5.9%MSFT5.9%

5.9%AAPL7.4%

5.1%NVDA7.7%

5.7%AMZN3.8%

Held in common50.2%

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 Four

5Y4 funds

#
1	BIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.09%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$886.8B
2	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.05%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$1.00T
3	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.40%	+1.5%	+6.3%	+3.4%	+25.4%	+11.4%	−16.1%	$232.9B
4	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 Four

5Y4 funds

#
1	BIVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.09%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$886.8B
2	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.05%	+1.6%	+13.4%	+13.5%	+24.2%	+12.6%	−8.9%	$1.00T
3	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.40%	+1.5%	+6.3%	+3.4%	+25.4%	+11.4%	−16.1%	$232.9B
4	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 IVV

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

IVV

iShares Core S&P 500

$18,118

MeasureHAPIIVV

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.77%1.09%

5 years, per year[…]+12.6%

3 years, per year+23.9%+24.2%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.2%12.9%

3–2measures won
IVV first

50.2%

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%

$182BAssets$805B

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$62.5B

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%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

Overlap: HAPI, VUG, VOO, IVV

Today

94.5%most shared, VOO and IVV

HAPIVUGVOOIVV

HAPI—43.7%49.9%50.2%

VUG43.7%—58.2%55.4%

VOO49.9%58.2%—94.5%

IVV50.2%55.4%94.5%—

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

Income After Fees on $10,000

$106most kept, IVV

IVV$109 − $3 = $106

VOO$105 − $3 = $102

HAPI$77 − $35 = $42

VUG$40 − $3 = $37

KeptFee

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