EFFI vs IVV
Harbor Osmosis International Resource Efficient ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | EFFI | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.03% | |
| AUM | $146M | $865.2B | |
| Dividend Yield | 4.14% | 1.09% | |
| Holdings | 84 | 508 | |
| YTD Return | +12.47% | +13.80% | |
| 1Y Return | +22.94% | +23.01% | |
| 3Y Return (annualized) | - | +21.77% | |
| 5Y Return (annualized) | - | +13.39% | |
| Volatility (annualized) | 10.6% | 15.1% | |
| Max Drawdown | -13.6% | -56.5% | |
| Fund Family | Harbor Funds | iShares by BlackRock (US) | |
| Category | Equity | Equity | |
| Inception | Dec 10, 2024 | May 15, 2000 |
EFFI vs IVV Performance
Harbor Osmosis International Resource Efficient ETF (EFFI) 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 EFFI returned +22.94% while IVV returned +23.01%. Year to date, EFFI is up 12.47% versus a gain of 13.80% for IVV.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 10.6% for EFFI. 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 -13.6% for EFFI 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 0.52. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EFFI charges 0.55% per year while IVV charges 0.03%. On a $10,000 position that is $55 vs $3 annually, a gap of $52 per year that compounds over a long holding period. On income, EFFI currently yields 4.14% against 1.09% for IVV.
Holdings Overlap
EFFI and IVV share 1 holdings out of 577 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Top Shared Holdings
| Stock | Weight in EFFI | Weight in IVV | Difference |
|---|---|---|---|
| KR | 0.00% | 0.05% | 0.05% |
Frequently Asked Questions
Which is cheaper, EFFI or IVV?
EFFI has an expense ratio of 0.55% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $52 per year of difference.
Which performed better, EFFI or IVV?
Over the past year EFFI returned +22.94% vs +23.01% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (2 years), EFFI annualized +25.60% vs +7.04% for IVV. Past performance does not guarantee future results.
Which is riskier, EFFI or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 10.6% for EFFI. Worst drawdown: EFFI -13.6% vs IVV -56.5%.
Should I hold both EFFI and IVV?
EFFI and IVV have a monthly-return correlation of 0.52, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EFFI and IVV?
EFFI and IVV share 1 common holdings with a 0.0% weight overlap. Combined, they hold 577 unique securities.
Which pays a higher dividend, EFFI or IVV?
EFFI yields 4.14% while IVV yields 1.09%, so EFFI currently pays the higher dividend yield.
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