IVV vs HAPI

AIVV

BHAPI

Measures won2–2level · of 6 · 5Y

$10,000 · 5Y$17,352QQQ · IVV $17,151

Lowest cost0.03%IVV · $3 on $10k

Most income1.39%VO · $139 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	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.48%	−6.5%	+5.7%	+5.0%	+23.3%	+11.7%	−14.8%	$464.6B
2	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
3	VO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.39%	−3.5%	+10.7%	+12.4%	+18.9%	+6.4%	−8.2%	$103.4B
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	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.48%	−6.5%	+5.7%	+5.0%	+23.3%	+11.7%	−14.8%	$464.6B
2	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
3	VO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.39%	−3.5%	+10.7%	+12.4%	+18.9%	+6.4%	−8.2%	$103.4B
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

QQQM vs QQQ

YTD

InvescoQQQM

+5.9%

QQQInvesco

+5.7%

+5.9%Year to date+5.7%

0.15% · $15Fee · on $10k a year0.18% · $18

$106BAssets$465B

2–0QQQM wins

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, VO, QQQ

Today

52.8%most shared, IVV and QQQ

IVVHAPIVOQQQ

IVV—50.6%16.0%52.8%

HAPI50.6%—13.5%41.6%

VO16.0%13.5%—9.3%

QQQ52.8%41.6%9.3%—

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

Income After Fees on $10,000

$136most kept, VO

VO$139 − $3 = $136

IVV$114 − $3 = $111

HAPI$80 − $35 = $45

QQQ$48 − $18 = $30

KeptFee

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