EFFI vs VYM
Harbor Osmosis International Resource Efficient ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | EFFI | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.55% | 0.04% | |
| AUM | $146M | $79.0B | |
| Dividend Yield | 4.14% | 2.86% | |
| Holdings | 84 | 568 | |
| YTD Return | +12.40% | +15.80% | |
| 1Y Return | +22.91% | +26.12% | |
| 3Y Return (annualized) | - | +18.25% | |
| 5Y Return (annualized) | - | +12.51% | |
| Volatility (annualized) | 10.6% | 14.6% | |
| Max Drawdown | -13.6% | -58.8% | |
| Fund Family | Harbor Funds | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 10, 2024 | Nov 10, 2006 |
EFFI vs VYM Performance
Harbor Osmosis International Resource Efficient ETF (EFFI) is a ETF from Harbor Funds and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year EFFI returned +22.91% while VYM returned +26.12%. Year to date, EFFI is up 12.40% versus a gain of 15.80% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% 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 -58.8% for VYM. 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 VYM charges 0.04%. On a $10,000 position that is $55 vs $4 annually, a gap of $51 per year that compounds over a long holding period. On income, EFFI currently yields 4.14% against 2.86% for VYM.
Holdings Overlap
EFFI and VYM share 1 holdings out of 630 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 VYM | Difference |
|---|---|---|---|
| KR | 0.00% | 0.18% | 0.18% |
Frequently Asked Questions
Which is cheaper, EFFI or VYM?
EFFI has an expense ratio of 0.55% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $51 per year of difference.
Which performed better, EFFI or VYM?
Over the past year EFFI returned +22.91% vs +26.12% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (2 years), EFFI annualized +25.70% vs +7.07% for VYM. Past performance does not guarantee future results.
Which is riskier, EFFI or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 10.6% for EFFI. Worst drawdown: EFFI -13.6% vs VYM -58.8%.
Should I hold both EFFI and VYM?
EFFI and VYM 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 VYM?
EFFI and VYM share 1 common holdings with a 0.0% weight overlap. Combined, they hold 630 unique securities.
Which pays a higher dividend, EFFI or VYM?
EFFI yields 4.14% while VYM yields 2.86%, so EFFI currently pays the higher dividend yield.
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