SCHB vs HAPI

ASCHB

BHAPI

Measures won2–3HAPI wins · of 6 · 5Y

$10,000 · 5Y$16,377SCHB · VUG $16,124

Lowest cost0.03%SCHB · $3 on $10k

Most income1.39%VO · $139 on $10k

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

Held in common46.9%SCHB and HAPI

SCHB

HAPI

Schwab U.S. Broad Market ETF · $42.9BHarbor Human Capital Factor US Large Cap ETF (HAPI) · $503M

+21.6%3 years · per year$17,991 · $18,006+21.7%

+10.4%5 years · per year$16,377 · […][…]

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

1.09%12-mo yield$109 · $80 on $10k0.80%

−8.9%Worst dropSmaller wins−8.1%

13.8%VolatilityLower wins12.7%

2–3HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsSCHB · HAPI

7.1%AAPL6.2%

5.6%MSFT6.2%

6.2%NVDA4.6%

3.6%AMZN6.0%

Held in common46.9%

End-of-day Nov 6, 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	ASCHB	Schwab U.S. Broad Market ETFRead Desk	0.03%	1.09%	+0.4%	+8.8%	+9.7%	+21.6%	+10.4%	−8.9%	$42.9B
2	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.42%	+0.9%	+1.4%	+0.2%	+22.6%	+10.0%	−15.1%	$232.9B
3	VO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.39%	−0.1%	+10.6%	+11.6%	+18.6%	+6.3%	−8.2%	$103.4B
4	BHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.80%	−0.2%	+8.0%	+9.9%	+21.7%	new	−8.1%	$503M

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Four

5Y4 funds

#
1	ASCHB	Schwab U.S. Broad Market ETFRead Desk	0.03%	1.09%	+0.4%	+8.8%	+9.7%	+21.6%	+10.4%	−8.9%	$42.9B
2	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.42%	+0.9%	+1.4%	+0.2%	+22.6%	+10.0%	−15.1%	$232.9B
3	VO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.39%	−0.1%	+10.6%	+11.6%	+18.6%	+6.3%	−8.2%	$103.4B
4	BHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.80%	−0.2%	+8.0%	+9.9%	+21.7%	new	−8.1%	$503M

End-of-day Nov 6, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

SCHB vs HAPI

SCHB

Schwab U.S. Broad Market

$16,377

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

MeasureSCHBHAPI

Fee0.03%0.35%

Cost on $10k a year$3$35

Yield1.09%0.80%

5 years, per year+10.4%[…]

3 years, per year+21.6%+21.7%

Worst drop · 1Y−8.9%−8.1%

Volatility · 1Y13.8%12.7%

3–2measures won
HAPI first

46.9%

holdings shared

Nov 6, 2026 · $10,000 five years ago, dividends reinvested

VTI vs ITOT

YTD

VanguardVTI

+8.9%

ITOTiShares

+8.8%

+8.9%Year to date+8.8%

1.1%Yield1.0%

$689BAssets$92.8B

2–0VTI wins

End-of-day Nov 6, 2026

VUG vs SCHG

YTD

VanguardVUG

+1.4%

SCHGSchwab

+1.9%

+1.4%Year to date+1.9%

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

$233BAssets$59.1B

1–1level

End-of-day Nov 6, 2026

SCHD vs VIG

YTD

SchwabSCHD

+31.4%

VIGVanguard

+12.1%

+31.4%Year to date+12.1%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 6, 2026

Overlap: SCHB, HAPI, VO, VUG

Today

50.0%most shared, SCHB and VUG

SCHBHAPIVOVUG

SCHB—46.9%15.4%50.0%

HAPI46.9%—13.5%43.6%

VO15.4%13.5%—10.2%

VUG50.0%43.6%10.2%—

End-of-day Nov 6, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$136most kept, VO

VO$139 − $3 = $136

SCHB$109 − $3 = $106

HAPI$80 − $35 = $45

VUG$42 − $3 = $39

KeptFee

End-of-day Nov 6, 2026 · yield in dollars minus the fee