EFFE vs IVV
Harbor Osmosis Emerging Markets Resource Efficient ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. EFFE delivered stronger 1-year returns. IVV offers more diversification with 508 holdings.
Side-by-Side Comparison
| Metric | EFFE | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.03% | |
| AUM | $146M | $907.0B | |
| Dividend Yield | 4.13% | 1.10% | |
| Holdings | 99 | 508 | |
| YTD Return | +19.97% | +14.29% | |
| 1Y Return | +27.05% | +21.79% | |
| 3Y Return (annualized) | - | +22.19% | |
| 5Y Return (annualized) | - | +13.28% | |
| Volatility (annualized) | 19.4% | 15.1% | |
| Max Drawdown | -16.3% | -56.5% | |
| Fund Family | Harbor Funds | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Dec 17, 2024 | May 15, 2000 |
EFFE vs IVV Performance
Harbor Osmosis Emerging Markets Resource Efficient ETF (EFFE) is a ETF from Harbor Funds and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year EFFE returned +27.05% while IVV returned +21.79%. Year to date, EFFE is up 19.97% versus a gain of 14.29% for IVV.
Risk: Volatility and Drawdowns
EFFE has been the more volatile fund, with annualized monthly volatility of 19.4% compared with 15.1% for IVV. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -16.3% for EFFE and -56.5% for IVV. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.71. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
EFFE charges 0.69% per year while IVV charges 0.03%. On a $10,000 position that is $69 vs $3 annually, a gap of $66 per year that compounds over a long holding period. On income, EFFE currently yields 4.13% against 1.10% for IVV.
Holdings Overlap
EFFE and IVV share 0 holdings out of 581 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, EFFE or IVV?
EFFE has an expense ratio of 0.69% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
Which performed better, EFFE or IVV?
Over the past year EFFE returned +27.05% vs +21.79% for IVV, so EFFE leads on 1-year performance. Over the longest common window we track (2 years), EFFE annualized +27.02% vs +7.06% for IVV. Past performance does not guarantee future results.
Which is riskier, EFFE or IVV?
EFFE has been the more volatile fund at 19.4% annualized versus 15.1% for IVV. Worst drawdown: EFFE -16.3% vs IVV -56.5%.
Should I hold both EFFE and IVV?
EFFE and IVV have a monthly-return correlation of 0.71, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EFFE and IVV?
EFFE and IVV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 581 unique securities.
Which pays a higher dividend, EFFE or IVV?
EFFE yields 4.13% while IVV yields 1.10%, so EFFE currently pays the higher dividend yield.
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