QQQ vs HAPI

AQQQ

BHAPI

Measures won2–3HAPI wins · of 6 · 5Y

$10,000 · 5Y$18,068QQQ · VOO $17,543

Lowest cost0.03%VOO · $3 on $10k

Most income1.21%IJR · $121 on $10k

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

Held in common41.8%QQQ and HAPI

QQQ

HAPI

Invesco QQQ Trust, Series 1 · $446BHarbor Human Capital Factor US Large Cap ETF (HAPI) · $483M

+23.9%3 years · per year$19,011 · $18,105+21.9%

+12.6%5 years · per year$18,068 · […][…]

0.18%Expense ratio$18 · $35 on $10k · lower wins0.35%

0.46%12-mo yield$46 · $78 on $10k0.78%

−14.8%Worst dropSmaller wins−8.1%

21.5%VolatilityLower wins12.9%

2–3HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsQQQ · HAPI

8.5%AAPL6.2%

6.7%MSFT6.1%

4.8%AMZN6.0%

7.7%NVDA4.7%

Held in common41.8%

End-of-day Nov 9, 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	AQQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.46%	+3.5%	+11.0%	+11.6%	+23.9%	+12.6%	−14.8%	$446.1B
2	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
3	IJR	iShares Core S&P Small-Cap ETFRead Desk	0.06%	1.21%	+3.0%	+18.9%	+22.8%	+17.4%	+5.8%	−9.7%	$106.7B
4	BHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.78%	+2.4%	+10.6%	+13.6%	+21.9%	new	−8.1%	$483M

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	AQQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.46%	+3.5%	+11.0%	+11.6%	+23.9%	+12.6%	−14.8%	$446.1B
2	VOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
3	IJR	iShares Core S&P Small-Cap ETFRead Desk	0.06%	1.21%	+3.0%	+18.9%	+22.8%	+17.4%	+5.8%	−9.7%	$106.7B
4	BHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.78%	+2.4%	+10.6%	+13.6%	+21.9%	new	−8.1%	$483M

End-of-day Nov 9, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

QQQ vs HAPI

QQQ

Invesco QQQ Trust

$18,068

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

MeasureQQQHAPI

Fee0.18%0.35%

Cost on $10k a year$18$35

Yield0.46%0.78%

5 years, per year+12.6%[…]

3 years, per year+23.9%+21.9%

Worst drop · 1Y−14.8%−8.1%

Volatility · 1Y21.5%12.9%

3–2measures won
HAPI first

41.8%

holdings shared

Nov 9, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+11.3%

SPYSPDR

+11.2%

+11.3%Year to date+11.2%

1.0%Yield1.0%

$179BAssets$778B

1–0SPYM wins

End-of-day Nov 9, 2026

QQQM vs QQQ

YTD

InvescoQQQM

+10.9%

QQQInvesco

+11.0%

+10.9%Year to date+11.0%

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

$103BAssets$446B

1–1level

End-of-day Nov 9, 2026

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+11.3%

+11.3%Year to date+11.3%

1.1%Yield1.1%

$1.00TAssets$875B

0–0level

End-of-day Nov 9, 2026

Overlap: QQQ, HAPI, VOO, IJR

Today

54.9%most shared, QQQ and VOO

QQQHAPIVOOIJR

QQQ—41.8%54.9%0.0%

HAPI41.8%—49.8%0.1%

VOO54.9%49.8%—0.0%

IJR0.0%0.1%0.0%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$115most kept, IJR

IJR$121 − $6 = $115

VOO$107 − $3 = $104

HAPI$78 − $35 = $43

QQQ$46 − $18 = $28

KeptFee

End-of-day Nov 9, 2026 · yield in dollars minus the fee