VOO vs HAPI

AVOO

BHAPI

Measures won3–2VOO wins · of 6 · 5Y

$10,000 · 5Y$17,865VTV · VOO $17,543

Lowest cost0.03%VOO · $3 on $10k

Most income1.83%VTV · $183 on $10k

Smallest drop−6.4%VTV · worst fall in 1Y

Held in common49.8%VOO and HAPI

VOO

HAPI

Vanguard S&P 500 ETF · $1.00THarbor Human Capital Factor US Large Cap ETF (HAPI) · $483M

+22.0%3 years · per year$18,159 · $18,105+21.9%

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

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

1.07%12-mo yield$107 · $78 on $10k0.78%

−8.9%Worst dropSmaller wins−8.1%

13.7%VolatilityLower wins12.9%

3–2VOO wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVOO · HAPI

7.4%AAPL6.2%

5.8%MSFT6.1%

8.4%NVDA4.7%

3.7%AMZN6.0%

Held in common49.8%

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	VTV	Vanguard Morningstar Value ETFRead Desk	0.03%	1.83%	+2.0%	+20.9%	+25.4%	+21.0%	+12.3%	−6.4%	$184.2B
2	AVOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
3	IWF	iShares Russell 1000 Growth ETFRead Desk	0.18%	0.38%	+2.9%	−2.5%	−2.2%	+19.8%	+9.7%	−14.6%	$118.1B
4	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 Four

5Y4 funds

#
1	VTV	Vanguard Morningstar Value ETFRead Desk	0.03%	1.83%	+2.0%	+20.9%	+25.4%	+21.0%	+12.3%	−6.4%	$184.2B
2	AVOO	Vanguard S&P 500 ETFRead Desk	0.03%	1.07%	+2.3%	+11.3%	+13.6%	+22.0%	+11.9%	−8.9%	$1.00T
3	IWF	iShares Russell 1000 Growth ETFRead Desk	0.18%	0.38%	+2.9%	−2.5%	−2.2%	+19.8%	+9.7%	−14.6%	$118.1B
4	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

VOO vs HAPI

VOO

Vanguard S&P 500

$17,543

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

MeasureVOOHAPI

Fee0.03%0.35%

Cost on $10k a year$3$35

Yield1.07%0.78%

5 years, per year+11.9%[…]

3 years, per year+22.0%+21.9%

Worst drop · 1Y−8.9%−8.1%

Volatility · 1Y13.7%12.9%

3–2measures won
VOO first

49.8%

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$61.4B

1–1level

End-of-day Nov 9, 2026

VTV vs SCHV

YTD

VanguardVTV

+20.9%

SCHVSchwab

+18.7%

+20.9%Year to date+18.7%

1.8%Yield1.8%

$184BAssets$15.7B

1–0VTV wins

End-of-day Nov 9, 2026

Overlap: VOO, HAPI, VTV, IWF

Today

59.3%most shared, VOO and IWF

VOOHAPIVTVIWF

VOO—49.8%41.1%59.3%

HAPI49.8%—35.5%44.0%

VTV41.1%35.5%—11.8%

IWF59.3%44.0%11.8%—

End-of-day Nov 9, 2026 · share held in common · outlined: the pair in versus

Income After Fees on $10,000

$180most kept, VTV

VTV$183 − $3 = $180

VOO$107 − $3 = $104

HAPI$78 − $35 = $43

IWF$38 − $18 = $20

KeptFee

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