EFFE vs SCHD
Harbor Osmosis Emerging Markets Resource Efficient ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. SCHD delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | EFFE | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.06% | |
| AUM | $146M | $108.7B | |
| Dividend Yield | 4.13% | 3.13% | |
| Holdings | 99 | 104 | |
| YTD Return | +19.97% | +26.54% | |
| 1Y Return | +27.05% | +30.90% | |
| 3Y Return (annualized) | - | +16.29% | |
| 5Y Return (annualized) | - | +9.65% | |
| Volatility (annualized) | 19.4% | 13.6% | |
| Max Drawdown | -16.3% | -33.4% | |
| Fund Family | Harbor Funds | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Dec 17, 2024 | Oct 20, 2011 |
EFFE vs SCHD Performance
Harbor Osmosis Emerging Markets Resource Efficient ETF (EFFE) is a ETF from Harbor Funds and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year EFFE returned +27.05% while SCHD returned +30.90%. Year to date, EFFE is up 19.97% versus a gain of 26.54% for SCHD.
Risk: Volatility and Drawdowns
EFFE has been the more volatile fund, with annualized monthly volatility of 19.4% compared with 13.6% for SCHD. 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 -33.4% for SCHD. 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 0.36. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EFFE charges 0.69% per year while SCHD charges 0.06%. On a $10,000 position that is $69 vs $6 annually, a gap of $63 per year that compounds over a long holding period. On income, EFFE currently yields 4.13% against 3.13% for SCHD.
Holdings Overlap
EFFE and SCHD share 0 holdings out of 176 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 SCHD?
EFFE has an expense ratio of 0.69% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $63 per year of difference.
Which performed better, EFFE or SCHD?
Over the past year EFFE returned +27.05% vs +30.90% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (2 years), EFFE annualized +27.02% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, EFFE or SCHD?
EFFE has been the more volatile fund at 19.4% annualized versus 13.6% for SCHD. Worst drawdown: EFFE -16.3% vs SCHD -33.4%.
Should I hold both EFFE and SCHD?
EFFE and SCHD have a monthly-return correlation of 0.36, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EFFE and SCHD?
EFFE and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 176 unique securities.
Which pays a higher dividend, EFFE or SCHD?
EFFE yields 4.13% while SCHD yields 3.13%, so EFFE currently pays the higher dividend yield.
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