VTI vs HAPI

AVTI

BHAPI

Measures won2–3HAPI wins · of 6 · 5Y

$10,000 · 5Y$17,865VTV · SPY $17,493

Lowest cost0.03%VTI · $3 on $10k

Most income1.83%VTV · $183 on $10k

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

Held in common46.1%VTI and HAPI

VTI

HAPI

Vanguard Morningstar Total Stock Market ETF · $689BHarbor Human Capital Factor US Large Cap ETF (HAPI) · $483M

+21.8%3 years · per year$18,090 · $18,105+21.9%

+10.8%5 years · per year$16,697 · […][…]

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

1.06%12-mo yield$106 · $78 on $10k0.78%

−8.9%Worst dropSmaller wins−8.1%

13.9%VolatilityLower wins12.9%

2–3HAPI wins

$10,000 · 5 yearsAll four, one scale

Shared top holdingsVTI · HAPI

6.6%AAPL6.2%

5.2%MSFT6.1%

7.1%NVDA4.7%

3.3%AMZN6.0%

Held in common46.1%

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	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
3	AVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.06%	+2.5%	+11.6%	+13.9%	+21.8%	+10.8%	−8.9%	$689.2B
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	SPY	State Street SPDR S&P 500 ETFRead Desk	0.09%	1.01%	+2.4%	+11.2%	+13.5%	+21.9%	+11.8%	−8.9%	$777.9B
3	AVTI	Vanguard Morningstar Total Stock Market ETFRead Desk	0.03%	1.06%	+2.5%	+11.6%	+13.9%	+21.8%	+10.8%	−8.9%	$689.2B
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

VTI vs HAPI

VTI

Vanguard Morningstar Total Stock Market

$16,697

HAPI

Harbor Human Capital Factor US Large Cap ETF (HAPI)

[…]

MeasureVTIHAPI

Fee0.03%0.35%

Cost on $10k a year$3$35

Yield1.06%0.78%

5 years, per year+10.8%[…]

3 years, per year+21.8%+21.9%

Worst drop · 1Y−8.9%−8.1%

Volatility · 1Y13.9%12.9%

3–2measures won
HAPI first

46.1%

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

VTI vs ITOT

YTD

VanguardVTI

+11.6%

ITOTiShares

+11.5%

+11.6%Year to date+11.5%

1.1%Yield1.0%

$689BAssets$95.6B

2–0VTI wins

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: VTI, HAPI, VTV, SPY

Today

86.0%most shared, VTI and SPY

VTIHAPIVTVSPY

VTI—46.1%37.1%86.0%

HAPI46.1%—35.5%50.7%

VTV37.1%35.5%—43.7%

SPY86.0%50.7%43.7%—

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

VTI$106 − $3 = $103

SPY$101 − $9 = $92

HAPI$78 − $35 = $43

KeptFee

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