VOO vs HAPI

AVOO

BHAPI

Measures won2–2level · of 6 · 5Y

$10,000 · 5Y$17,352QQQ · VOO $17,156

Lowest cost0.03%VOO · $3 on $10k

Most income1.14%IVV · $114 on $10k

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

Held in common49.9%VOO and HAPI

VOO

HAPI

Vanguard S&P 500 ETF · $1.00THarbor Human Capital Factor US Large Cap ETF (HAPI) · $503M

+22.1%3 years · per year$18,224 · $18,219+22.1%

+11.4%5 years · per year$17,156 · […][…]

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

1.10%12-mo yield$110 · $80 on $10k0.80%

−8.9%Worst dropSmaller wins−8.1%

13.5%VolatilityLower wins12.8%

2–2Level

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVOO · HAPI

7.4%AAPL6.1%

5.8%MSFT6.2%

8.4%NVDA4.9%

3.7%AMZN5.9%

Held in common49.9%

End-of-day Nov 5, 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	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.48%	−6.5%	+5.7%	+5.0%	+23.3%	+11.7%	−14.8%	$469.3B
2	AVOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$1.00T
3	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$850.0B
4	BHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.80%	−3.7%	+8.2%	+10.5%	+22.1%	new	−8.1%	$503M

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

All Four

5Y4 funds

#
1	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.48%	−6.5%	+5.7%	+5.0%	+23.3%	+11.7%	−14.8%	$469.3B
2	AVOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.8%	+22.1%	+11.4%	−8.9%	$1.00T
3	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$850.0B
4	BHAPI	Harbor Human Capital Factor US Large Cap ETF (HAPI)Read Desk	0.35%	0.80%	−3.7%	+8.2%	+10.5%	+22.1%	new	−8.1%	$503M

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

Cards for this view

VOO vs HAPI

VOO

Vanguard S&P 500

$17,156

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

MeasureVOOHAPI

Fee0.03%0.35%

Cost on $10k a year$3$35

Yield1.10%0.80%

5 years, per year+11.4%[…]

3 years, per year+22.1%+22.1%

Worst drop · 1Y−8.9%−8.1%

Volatility · 1Y13.5%12.8%

2–2measures won
level

49.9%

holdings shared

Nov 5, 2026 · $10,000 five years ago, dividends reinvested

SPYM vs SPY

YTD

SPDRSPYM

+8.4%

SPYSPDR

+8.3%

+8.4%Year to date+8.3%

1.1%Yield1.0%

$182BAssets$819B

2–0SPYM wins

End-of-day Nov 5, 2026

QQQM vs QQQ

YTD

InvescoQQQM

+5.9%

QQQInvesco

+5.7%

+5.9%Year to date+5.7%

0.15% · $15Fee · on $10k a year0.18% · $18

$107BAssets$469B

2–0QQQM wins

End-of-day Nov 5, 2026

TQQQ vs QQQ

YTD

ProSharesTQQQ

−3.7%

QQQInvesco

+5.7%

−3.7%Year to date+5.7%

0.94% · $94Fee · on $10k a year0.18% · $18

$27.1BAssets$469B

2–0QQQ wins

End-of-day Nov 5, 2026

Overlap: VOO, HAPI, IVV, QQQ

Today

93.5%most shared, VOO and IVV

VOOHAPIIVVQQQ

VOO—49.9%93.5%55.0%

HAPI49.9%—50.6%41.6%

IVV93.5%50.6%—52.8%

QQQ55.0%41.6%52.8%—

End-of-day Nov 5, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$111most kept, IVV

IVV$114 − $3 = $111

VOO$110 − $3 = $107

HAPI$80 − $35 = $45

QQQ$48 − $18 = $30

KeptFee

End-of-day Nov 5, 2026 · yield in dollars minus the fee