VTI vs HAPI

AVTI

BHAPI

Measures won2–3HAPI wins · of 6 · 5Y

$10,000 · 5Y$18,068QQQ · VTI $16,697

Lowest cost0.03%VTI · $3 on $10k

Most income1.06%VTI · $106 on $10k

Smallest drop−8.1%HAPI · 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	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.46%	+3.5%	+11.0%	+11.6%	+23.9%	+12.6%	−14.8%	$446.1B
2	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
3	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.41%	+2.8%	+4.2%	+4.7%	+22.9%	+10.6%	−15.1%	$232.9B
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	QQQ	Invesco QQQ Trust, Series 1Read Desk	0.18%	0.46%	+3.5%	+11.0%	+11.6%	+23.9%	+12.6%	−14.8%	$446.1B
2	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
3	VUG	Vanguard Morningstar Growth ETFRead Desk	0.03%	0.41%	+2.8%	+4.2%	+4.7%	+22.9%	+10.6%	−15.1%	$232.9B
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

QQQM vs QQQ

YTD

InvescoQQQM

+10.9%

QQQInvesco

+11.0%

+10.9%Year to date+11.0%

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

$103BAssets$446B

1–1level

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

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

Overlap: VTI, HAPI, VUG, QQQ

Today

61.2%most shared, VUG and QQQ

VTIHAPIVUGQQQ

VTI—46.1%52.8%49.9%

HAPI46.1%—43.8%41.8%

VUG52.8%43.8%—61.2%

QQQ49.9%41.8%61.2%—

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

Income After Fees on $10,000

$103most kept, VTI

VTI$106 − $3 = $103

HAPI$78 − $35 = $43

VUG$41 − $3 = $38

QQQ$46 − $18 = $28

KeptFee

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