EFFE vs VTI
Harbor Osmosis Emerging Markets Resource Efficient ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. EFFE delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | EFFE | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.69% | 0.03% | |
| AUM | $146M | $666.9B | |
| Dividend Yield | 4.13% | 1.07% | |
| Holdings | 99 | 3,543 | |
| YTD Return | +19.97% | +14.82% | |
| 1Y Return | +27.05% | +22.43% | |
| 3Y Return (annualized) | - | +21.93% | |
| 5Y Return (annualized) | - | +12.34% | |
| Volatility (annualized) | 19.4% | 15.4% | |
| Max Drawdown | -16.3% | -56.6% | |
| Fund Family | Harbor Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 17, 2024 | May 24, 2001 |
EFFE vs VTI Performance
Harbor Osmosis Emerging Markets Resource Efficient ETF (EFFE) is a ETF from Harbor Funds and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EFFE returned +27.05% while VTI returned +22.43%. Year to date, EFFE is up 19.97% versus a gain of 14.82% for VTI.
Risk: Volatility and Drawdowns
EFFE has been the more volatile fund, with annualized monthly volatility of 19.4% compared with 15.4% for VTI. 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 -56.6% for VTI. 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 0.72. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
EFFE charges 0.69% per year while VTI 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 1.07% for VTI.
Holdings Overlap
EFFE and VTI share 0 holdings out of 2863 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 VTI?
EFFE has an expense ratio of 0.69% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $66 per year of difference.
Which performed better, EFFE or VTI?
Over the past year EFFE returned +27.05% vs +22.43% for VTI, so EFFE leads on 1-year performance. Over the longest common window we track (2 years), EFFE annualized +27.02% vs +8.16% for VTI. Past performance does not guarantee future results.
Which is riskier, EFFE or VTI?
EFFE has been the more volatile fund at 19.4% annualized versus 15.4% for VTI. Worst drawdown: EFFE -16.3% vs VTI -56.6%.
Should I hold both EFFE and VTI?
EFFE and VTI have a monthly-return correlation of 0.72, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EFFE and VTI?
EFFE and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2863 unique securities.
Which pays a higher dividend, EFFE or VTI?
EFFE yields 4.13% while VTI yields 1.07%, so EFFE currently pays the higher dividend yield.
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