HAPI vs VOO

AHAPI

BVOO

Measures won2–3VOO wins · of 6 · 5Y

$10,000 · 5Y$17,543VOO · IWF $15,441

Lowest cost0.03%VOO · $3 on $10k

Most income1.35%VO · $135 on $10k

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

Held in common49.7%HAPI and VOO

HAPI

VOO

Harbor Human Capital Factor US Large Cap ETF (HAPI) · $483MVanguard S&P 500 ETF · $1.00T

+21.8%3 years · per year$18,077 · $18,159+22.0%

[…]5 years · per year[…] · $17,543+11.9%

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

0.78%12-mo yield$78 · $107 on $10k1.07%

−8.1%Worst dropSmaller wins−8.9%

12.9%VolatilityLower wins13.7%

2–3VOO wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsHAPI · VOO

6.2%AAPL7.4%

6.2%MSFT5.8%

4.6%NVDA8.4%

6.0%AMZN3.7%

Held in common49.7%

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	BVOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
2	IWF	iShares Russell 1000 Growth ETFRead Desk	0.18%	0.39%	+1.3%	−5.3%	−6.5%	+19.4%	+9.1%	−14.6%	$114.6B
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%	+2.2%	+10.4%	+13.5%	+21.8%	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	BVOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
2	IWF	iShares Russell 1000 Growth ETFRead Desk	0.18%	0.39%	+1.3%	−5.3%	−6.5%	+19.4%	+9.1%	−14.6%	$114.6B
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%	+2.2%	+10.4%	+13.5%	+21.8%	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 VOO

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

VOO

Vanguard S&P 500

$17,543

MeasureHAPIVOO

Fee0.35%0.03%

Cost on $10k a year$35$3

Yield0.78%1.07%

5 years, per year[…]+11.9%

3 years, per year+21.8%+22.0%

Worst drop · 1Y−8.1%−8.9%

Volatility · 1Y12.9%13.7%

3–2measures won
VOO first

49.7%

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

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

VOO vs IVV

YTD

VanguardVOO

+11.3%

IVViShares

+8.7%

+11.3%Year to date+8.7%

1.1%Yield1.1%

$1.00TAssets$853B

1–0VOO wins

End-of-day Nov 9, 2026

Overlap: VOO, HAPI, IWF, VO

Today

59.3%most shared, VOO and IWF

VOOHAPIIWFVO

VOO—49.7%59.3%15.4%

HAPI49.7%—44.0%13.5%

IWF59.3%44.0%—9.2%

VO15.4%13.5%9.2%—

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

VOO$107 − $3 = $104

HAPI$78 − $35 = $43

IWF$39 − $18 = $21

KeptFee

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