VO vs HAPI

AVO

BHAPI

Measures won2–3HAPI wins · of 6 · 5Y

$10,000 · 5Y$17,417DFAC · VO $14,290

Lowest cost0.03%VO · $3 on $10k

Most income1.34%VO · $134 on $10k

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

Held in common13.7%VO and HAPI

HAPI

Vanguard Morningstar Mid-Cap ETF · $103BHarbor Human Capital Factor US Large Cap ETF (HAPI) · $503M

+20.7%3 years · per year$17,578 · $19,002+23.9%

+7.4%5 years · per year$14,290 · […][…]

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

1.34%12-mo yield$134 · $77 on $10k0.77%

−8.2%Worst dropSmaller wins−8.1%

12.4%VolatilityLower wins12.2%

2–3HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVO · HAPI

0.8%CEG0.6%

1.1%VLO0.6%

0.7%MSI0.5%

0.5%NUE0.5%

Held in common13.7%

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 Four

5Y4 funds

#
1	DFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.87%	+1.5%	+15.8%	+17.7%	+23.2%	+11.7%	−8.5%	$89.2B
2	AVO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.34%	+0.9%	+14.7%	+15.3%	+20.7%	+7.4%	−8.2%	$103.4B
3	IJR	iShares Core S&P Small-Cap ETFRead Desk	0.06%	1.20%	+1.3%	+19.9%	+22.7%	+19.3%	+6.8%	−9.7%	$107.7B
4	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 Four

5Y4 funds

#
1	DFAC	Dimensional - US Core Equity 2 ETFRead Desk	0.21%	0.87%	+1.5%	+15.8%	+17.7%	+23.2%	+11.7%	−8.5%	$89.2B
2	AVO	Vanguard Morningstar Mid-Cap ETFRead Desk	0.03%	1.34%	+0.9%	+14.7%	+15.3%	+20.7%	+7.4%	−8.2%	$103.4B
3	IJR	iShares Core S&P Small-Cap ETFRead Desk	0.06%	1.20%	+1.3%	+19.9%	+22.7%	+19.3%	+6.8%	−9.7%	$107.7B
4	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

VO vs HAPI

Vanguard Morningstar Mid-Cap

$14,290

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

MeasureVOHAPI

Fee0.03%0.35%

Cost on $10k a year$3$35

Yield1.34%0.77%

5 years, per year+7.4%[…]

3 years, per year+20.7%+23.9%

Worst drop · 1Y−8.2%−8.1%

Volatility · 1Y12.4%12.2%

3–2measures won
HAPI first

13.7%

holdings shared

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

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

JEPQ vs JEPI

YTD

J.P. MorganJEPQ

+8.5%

JEPIJ.P. Morgan

+8.8%

+8.5%Year to date+8.8%

12.2%Yield7.8%

$42.1BAssets$46.1B

1–1level

End-of-day Nov 4, 2026

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

Overlap: VO, HAPI, DFAC, IJR

Today

41.5%most shared, HAPI and DFAC

VOHAPIDFACIJR

VO—13.7%19.6%0.0%

HAPI13.7%—41.5%0.1%

DFAC19.6%41.5%—6.4%

IJR0.0%0.1%6.4%—

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

Income After Fees on $10,000

$131most kept, VO

VO$134 − $3 = $131

IJR$120 − $6 = $114

DFAC$87 − $21 = $66

HAPI$77 − $35 = $42

KeptFee

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