HAPI vs SCHB

AHAPI

BSCHB

Measures won3–2HAPI wins · of 6 · 5Y

$10,000 · 5Y$16,705SCHB · VUG $16,565

Lowest cost0.03%SCHB · $3 on $10k

Most income1.35%VO · $135 on $10k

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

Held in common46.8%HAPI and SCHB

HAPI

SCHB

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483MSchwab U.S. Broad Market ETF · $43.2B

+21.9%3 years · per year$18,105 · $18,080+21.8%

[…]5 years · per year[…] · $16,705+10.8%

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

0.78%12-mo yield$78 · $106 on $10k1.06%

−8.1%Worst dropSmaller wins−8.9%

12.9%VolatilityLower wins14.0%

3–2HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · SCHB

6.2%AAPL7.0%

6.1%MSFT5.5%

4.7%NVDA6.3%

6.0%AMZN3.6%

Held in common46.8%

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	BSCHB	Schwab U.S. Broad Market ETFRead Desk	0.03%	1.06%	+2.5%	+11.5%	+13.7%	+21.8%	+10.8%	−8.9%	$43.2B
2	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.41%	+2.8%	+4.2%	+4.7%	+22.9%	+10.6%	−15.1%	$232.9B
3	VO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.35%	+2.7%	+13.6%	+15.6%	+18.8%	+6.8%	−8.2%	$103.4B
4	AHAPI	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	BSCHB	Schwab U.S. Broad Market ETFRead Desk	0.03%	1.06%	+2.5%	+11.5%	+13.7%	+21.8%	+10.8%	−8.9%	$43.2B
2	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.41%	+2.8%	+4.2%	+4.7%	+22.9%	+10.6%	−15.1%	$232.9B
3	VO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.35%	+2.7%	+13.6%	+15.6%	+18.8%	+6.8%	−8.2%	$103.4B
4	AHAPI	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

HAPI vs SCHB

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

SCHB

Schwab U.S. Broad Market

$16,705

MeasureHAPISCHB

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.78%1.06%

5 years, per year[…]+10.8%

3 years, per year+21.9%+21.8%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.9%14.0%

3–2measures won
HAPI first

46.8%

holdings shared

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

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$93.2B

2–0VTI wins

End-of-day Nov 9, 2026

VUG vs SCHG

YTD

VanguardVUG

+4.2%

SCHGSchwab

+4.8%

+4.2%Year to date+4.8%

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

$233BAssets$59.7B

1–1level

End-of-day Nov 9, 2026

SCHD vs VIG

YTD

SchwabSCHD

+33.2%

VIGVanguard

+14.8%

+33.2%Year to date+14.8%

3.0%Yield1.5%

$120BAssets$109B

2–0SCHD wins

End-of-day Nov 9, 2026

Overlap: SCHB, HAPI, VO, VUG

Today

50.3%most shared, SCHB and VUG

SCHBHAPIVOVUG

SCHB—46.8%15.3%50.3%

HAPI46.8%—13.5%43.8%

VO15.3%13.5%—10.2%

VUG50.3%43.8%10.2%—

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

Income After Fees on $10,000

$132most kept, VO

VO$135 − $3 = $132

SCHB$106 − $3 = $103

HAPI$78 − $35 = $43

VUG$41 − $3 = $38

KeptFee

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