SPY vs HAPI

ASPY

BHAPI

Measures won3–2SPY wins · of 6 · 5Y

$10,000 · 5Y$18,060SPY · VTI $17,257

Lowest cost0.03%VTI · $3 on $10k

Most income1.05%VTI · $105 on $10k

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

Held in common50.2%SPY and HAPI

SPY

HAPI

State Street SPDR S&P 500 ETF · $805BHarbor Human Capital Factor US Large Cap ETF (HAPI) · $503M

+24.1%3 years · per year$19,132 · $19,002+23.9%

+12.6%5 years · per year$18,060 · […][…]

0.09%Expense ratio$9 · $35 on $10k · lower wins0.35%

0.99%12-mo yield$99 · $77 on $10k0.77%

−8.9%Worst dropSmaller wins−8.1%

12.9%VolatilityLower wins12.2%

3–2SPY wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsSPY · HAPI

5.9%MSFT5.9%

7.4%AAPL5.9%

7.7%NVDA5.1%

3.8%AMZN5.7%

Held in common50.2%

End-of-day Nov 4, 2026 · $10,000 5 years ago, dividends reinvested · ● winner of the row · each row scaled to the bigger of the two

All Three

5Y3 funds

#
1	ASPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	0.99%	+1.7%	+13.3%	+13.4%	+24.1%	+12.6%	−8.9%	$804.8B
2	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.05%	+1.5%	+13.4%	+13.5%	+24.0%	+11.5%	−8.9%	$689.2B
3	BHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.77%	+2.0%	+12.3%	+13.6%	+23.9%	new	−8.1%	$503M

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

All Three

5Y3 funds

#
1	ASPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	0.99%	+1.7%	+13.3%	+13.4%	+24.1%	+12.6%	−8.9%	$804.8B
2	VTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.05%	+1.5%	+13.4%	+13.5%	+24.0%	+11.5%	−8.9%	$689.2B
3	BHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.77%	+2.0%	+12.3%	+13.6%	+23.9%	new	−8.1%	$503M

End-of-day Nov 4, 2026 · total return, dividends in · 3Y and 5Y per year · A and B = the pair in versus

Cards for this view

SPY vs HAPI

SPY

SPDR S&P 500

$18,060

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

MeasureSPYHAPI

Fee0.09%0.35%

Cost on $10k a year$9$35

Yield0.99%0.77%

5 years, per year+12.6%[…]

3 years, per year+24.1%+23.9%

Worst drop · 1Y−8.9%−8.1%

Volatility · 1Y12.9%12.2%

3–2measures won
SPY first

50.2%

holdings shared

Nov 4, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+13.4%

SPYSPDR

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$182BAssets$805B

1–0SPYM wins

End-of-day Nov 4, 2026

VTI vs ITOT

YTD

VanguardVTI

+13.4%

ITOTiShares

+13.3%

+13.4%Year to date+13.3%

1.0%Yield1.0%

$689BAssets$97.0B

1–0VTI wins

End-of-day Nov 4, 2026

SCHD vs VIG

YTD

SchwabSCHD

+35.3%

VIGVanguard

+16.4%

+35.3%Year to date+16.4%

2.9%Yield1.4%

$123BAssets$109B

2–0SCHD wins

End-of-day Nov 4, 2026

Overlap: SPY, HAPI, VTI

Today

86.9%most shared, SPY and VTI

SPYHAPIVTI

SPY—50.2%86.9%

HAPI50.2%—46.2%

VTI86.9%46.2%—

End-of-day Nov 4, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$102most kept, VTI

VTI$105 − $3 = $102

SPY$99 − $9 = $90

HAPI$77 − $35 = $42

KeptFee

End-of-day Nov 4, 2026 · yield in dollars minus the fee