VO vs HAPI

AVO

BHAPI

Measures won2–3HAPI wins · of 6 · 5Y

$10,000 · 5Y$17,553SPYM · VO $13,867

Lowest cost0.02%SPYM · $2 on $10k

Most income1.35%VO · $135 on $10k

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

Held in common13.5%VO and HAPI

HAPI

Vanguard Morningstar Mid-Cap ETF · $103BHarbor Human Capital Factor US Large Cap ETF (HAPI) · $483M

+18.8%3 years · per year$16,763 · $18,105+21.9%

+6.8%5 years · per year$13,867 · […][…]

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

1.35%12-mo yield$135 · $78 on $10k0.78%

−8.2%Worst dropSmaller wins−8.1%

13.1%VolatilityLower wins12.9%

2–3HAPI wins

$10,000 · 5 yearsAll three, one scale

Shared top holdingsVO · HAPI

0.8%CEG0.6%

1.1%VLO0.5%

0.7%MSI0.5%

0.4%ADSK0.4%

Held in common13.5%

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 Three

5Y3 funds

#
1	SPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.03%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$178.8B
2	AVO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.35%	+2.7%	+13.6%	+15.6%	+18.8%	+6.8%	−8.2%	$103.4B
3	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 Three

5Y3 funds

#
1	SPYM	State Street SPDR Portfolio S&P 500 ETFRead Desk	0.02%	1.03%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$178.8B
2	AVO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.35%	+2.7%	+13.6%	+15.6%	+18.8%	+6.8%	−8.2%	$103.4B
3	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

VO vs HAPI

Vanguard Morningstar Mid-Cap

$13,867

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

MeasureVOHAPI

Fee0.03%0.35%

Cost on $10k a year$3$35

Yield1.35%0.78%

5 years, per year+6.8%[…]

3 years, per year+18.8%+21.9%

Worst drop · 1Y−8.2%−8.1%

Volatility · 1Y13.1%12.9%

3–2measures won
HAPI first

13.5%

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

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+6.6%

JEPIJ.P. Morgan

+7.5%

+6.6%Year to date+7.5%

12.4%Yield7.9%

$40.7BAssets$45.2B

1–1level

End-of-day Nov 9, 2026

Overlap: SPYM, HAPI, VO

Today

50.8%most shared, SPYM and HAPI

SPYMHAPIVO

SPYM—50.8%16.1%

HAPI50.8%—13.5%

VO16.1%13.5%—

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

SPYM$103 − $2 = $101

HAPI$78 − $35 = $43

KeptFee

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