VTI vs HAPI

AVTI

BHAPI

Measures won2–3HAPI wins · of 6 · 5Y

$10,000 · 5Y$17,151IVV · VTI $16,332

Lowest cost0.03%VTI · $3 on $10k

Most income1.14%IVV · $114 on $10k

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

Held in common46.2%VTI and HAPI

VTI

HAPI

Vanguard Morningstar Total Stock Market ETF · $689BHarbor Human Capital Factor US Large Cap ETF (HAPI) · $503M

+21.9%3 years · per year$18,113 · $18,219+22.1%

+10.3%5 years · per year$16,332 · […][…]

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%

13.7%VolatilityLower wins12.8%

2–3HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVTI · HAPI

6.6%AAPL6.1%

5.2%MSFT6.2%

7.1%NVDA4.9%

3.3%AMZN5.9%

Held in common46.2%

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	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$886.8B
2	AVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.9%	+21.9%	+10.3%	−8.9%	$689.2B
3	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
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	IVV	iShares Core S&P 500 ETFRead Desk	0.03%	1.14%	−4.4%	+8.4%	+9.7%	+22.1%	+11.4%	−8.9%	$886.8B
2	AVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.10%	−4.4%	+8.4%	+9.9%	+21.9%	+10.3%	−8.9%	$689.2B
3	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.43%	−5.5%	+0.5%	−0.6%	+22.8%	+9.9%	−15.1%	$232.9B
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

VTI vs HAPI

VTI

Vanguard Morningstar Total Stock Market

$16,332

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

MeasureVTIHAPI

Fee0.03%0.35%

Cost on $10k a year$3$35

Yield1.10%0.80%

5 years, per year+10.3%[…]

3 years, per year+21.9%+22.1%

Worst drop · 1Y−8.9%−8.1%

Volatility · 1Y13.7%12.8%

3–2measures won
HAPI first

46.2%

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$805B

2–0SPYM wins

End-of-day Nov 5, 2026

VTI vs ITOT

YTD

VanguardVTI

+8.4%

ITOTiShares

+8.4%

+8.4%Year to date+8.4%

1.1%Yield1.1%

$689BAssets$97.0B

0–0level

End-of-day Nov 5, 2026

VUG vs SCHG

YTD

VanguardVUG

+0.5%

SCHGSchwab

+0.9%

+0.5%Year to date+0.9%

0.03% · $3Fee · on $10k a year0.04% · $4

$233BAssets$62.5B

1–1level

End-of-day Nov 5, 2026

Overlap: VTI, HAPI, IVV, VUG

Today

86.5%most shared, VTI and IVV

VTIHAPIIVVVUG

VTI—46.2%86.5%52.8%

HAPI46.2%—50.6%43.9%

IVV86.5%50.6%—55.4%

VUG52.8%43.9%55.4%—

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

VTI$110 − $3 = $107

HAPI$80 − $35 = $45

VUG$43 − $3 = $40

KeptFee

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