IVV vs HAPI

AIVV

BHAPI

Measures won2–2level · of 6 · 5Y

$10,000 · 5Y$17,151IVV · VUG $16,052

Lowest cost0.03%IVV · $3 on $10k

Most income1.24%IJR · $124 on $10k

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

Held in common50.6%IVV and HAPI

IVV

HAPI

iShares Core S&P 500 ETF · $887BHarbor Human Capital Factor US Large Cap ETF (HAPI) · $503M

+22.1%3 years · per year$18,221 · $18,219+22.1%

+11.4%5 years · per year$17,151 · […][…]

0.03%Expense ratio$3 · $35 on $10k · lower wins0.35%

1.14%12-mo yield$114 · $80 on $10k0.80%

−8.9%Worst dropSmaller wins−8.1%

13.6%VolatilityLower wins12.8%

2–2Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsIVV · HAPI

6.2%MSFT6.2%

7.7%AAPL6.1%

7.3%NVDA4.9%

3.9%AMZN5.9%

Held in common50.6%

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	AIVV	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	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
3	IJR	iShares Core S&P Small-Cap ETFRead Desk	0.06%	1.24%	−3.8%	+15.4%	+19.4%	+17.4%	+5.6%	−9.7%	$107.7B
4	BHAPI	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	AIVV	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	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
3	IJR	iShares Core S&P Small-Cap ETFRead Desk	0.06%	1.24%	−3.8%	+15.4%	+19.4%	+17.4%	+5.6%	−9.7%	$107.7B
4	BHAPI	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

IVV vs HAPI

IVV

iShares Core S&P 500

$17,151

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

MeasureIVVHAPI

Fee0.03%0.35%

Cost on $10k a year$3$35

Yield1.14%0.80%

5 years, per year+11.4%[…]

3 years, per year+22.1%+22.1%

Worst drop · 1Y−8.9%−8.1%

Volatility · 1Y13.6%12.8%

2–2measures won
level

50.6%

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

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$62.5B

1–1level

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: IVV, HAPI, IJR, VUG

Today

55.4%most shared, IVV and VUG

IVVHAPIIJRVUG

IVV—50.6%0.0%55.4%

HAPI50.6%—0.1%43.9%

IJR0.0%0.1%—0.0%

VUG55.4%43.9%0.0%—

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

Income After Fees on $10,000

$118most kept, IJR

IJR$124 − $6 = $118

IVV$114 − $3 = $111

HAPI$80 − $35 = $45

VUG$43 − $3 = $40

KeptFee

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