EFFI vs VTI
Harbor Osmosis International Resource Efficient ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | EFFI | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.03% | |
| AUM | $146M | $663.5B | |
| Dividend Yield | 4.14% | 1.07% | |
| Holdings | 84 | 3,543 | |
| YTD Return | +12.47% | +14.16% | |
| 1Y Return | +22.94% | +23.62% | |
| 3Y Return (annualized) | - | +21.43% | |
| 5Y Return (annualized) | - | +12.33% | |
| Volatility (annualized) | 10.6% | 15.3% | |
| Max Drawdown | -13.6% | -56.6% | |
| Fund Family | Harbor Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 10, 2024 | May 24, 2001 |
EFFI vs VTI Performance
Harbor Osmosis International Resource Efficient ETF (EFFI) is a ETF from Harbor Funds and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year EFFI returned +22.94% while VTI returned +23.62%. Year to date, EFFI is up 12.47% versus a gain of 14.16% for VTI.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% 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 -56.6% 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 0.50. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
EFFI charges 0.55% per year while VTI 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 1.07% for VTI.
Holdings Overlap
EFFI and VTI share 1 holdings out of 2855 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 VTI | Difference |
|---|---|---|---|
| KR | 0.00% | 0.04% | 0.04% |
Frequently Asked Questions
Which is cheaper, EFFI or VTI?
EFFI has an expense ratio of 0.55% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $52 per year of difference.
Which performed better, EFFI or VTI?
Over the past year EFFI returned +22.94% vs +23.62% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (2 years), EFFI annualized +25.60% vs +8.14% for VTI. Past performance does not guarantee future results.
Which is riskier, EFFI or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 10.6% for EFFI. Worst drawdown: EFFI -13.6% vs VTI -56.6%.
Should I hold both EFFI and VTI?
EFFI and VTI have a monthly-return correlation of 0.50, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between EFFI and VTI?
EFFI and VTI share 1 common holdings with a 0.0% weight overlap. Combined, they hold 2855 unique securities.
Which pays a higher dividend, EFFI or VTI?
EFFI yields 4.14% while VTI yields 1.07%, so EFFI currently pays the higher dividend yield.
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