EFFI vs VYM
Harbor Osmosis International Resource Efficient ETF vs Vanguard High Dividend Yield ETF
Which is better, EFFI or VYM?
Large Cap Blend against Large Cap Value.
VYM has a lower expense ratio. EFFI led over the full window, VYM over 1Y. VYM is less concentrated, with 25.8% of the fund in its ten largest positions against 35.4%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | EFFI | VYM |
|---|---|---|
| Expense Ratio | 0.55% | 0.04%Best |
| AUM | $153M | $95.8B |
| Dividend Yield | 3.90% | 2.23% |
| Holdings | 166 | 610 |
| YTD Return | +11.77% | +16.00%Best |
| 1Y Return | +14.37% | +18.97%Best |
| 3Y Return (annualized) | - | +20.46% |
| 5Y Return (annualized) | - | +11.54% |
| Volatility (annualized) | 11.3% | 10.5%Best |
| Max Drawdown | -13.6%Best | -14.5% |
| $10,000 over 1.9 years | $14,466Best | $13,258 |
| Top 10 Weight | 35.4% | 25.8%Best |
| Fund Family | Harbor Funds | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Dec 10, 2024 | Nov 10, 2006 |
Volatility and max drawdown, and the $10,000 over 1.9 years row, are measured over the window both funds cover: Dec 12, 2024 to Nov 11, 2026 (1.9 years).
EFFI vs VYM growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 1.9 years both funds cover.
EFFI vs VYM Performance
Harbor Osmosis International Resource Efficient ETF (EFFI) is an ETF from Harbor Funds and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year EFFI returned +14.37% while VYM returned +18.97%. Year to date, EFFI is up 11.77% versus a gain of 16.00% for VYM.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
EFFI has been the more volatile fund, with annualized monthly volatility of 11.3% compared with 10.5% for VYM. 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 -14.5% for VYM. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.59. They move together some of the time, and apart the rest.
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 3.90% against 2.23% for VYM.
Holdings Overlap
0.1% of VYM's money is in holdings EFFI also owns.
We cannot see either book well enough to say how much of this pair is duplicated.
The two holdings books were reported 47 days apart, EFFI as of Oct 17, 2026 and VYM as of Aug 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
1 positions in common, counted across the 72 positions we hold weights for in EFFI and 602 in VYM, against full books of 166 and 610.
What only one of them owns
Our book lists 576 positions for VYM that do not appear in our book for EFFI (98.5% of the fund), and 3 for EFFI that do not appear in VYM (6.8%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
Top Shared Holdings
| Stock | Weight in EFFI | Weight in VYM | Difference |
|---|---|---|---|
| KRKroger Co. | 0.00% | 0.13% | 0.13% |
You are not choosing between two funds in isolation.
Whichever of EFFI and VYM you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
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, by $51 a year on a $10,000 investment.
Which performed better, EFFI or VYM?
Over the past year EFFI returned +14.37% vs +18.97% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (2 years), EFFI annualized +21.45% vs +16.00% for VYM. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, EFFI or VYM?
EFFI has been the more volatile fund at 11.3% annualized versus 10.5% for VYM. Worst drawdown: EFFI -13.6% vs VYM -14.5%.
Should I hold both EFFI and VYM?
EFFI and VYM have a monthly-return correlation of 0.59, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, EFFI or VYM?
EFFI yields 3.90% while VYM yields 2.23%, so EFFI currently pays the higher dividend yield.
Is VYM better than EFFI?
VYM has a lower expense ratio. EFFI led over the full window, VYM over 1Y. VYM is less concentrated, with 25.8% of the fund in its ten largest positions against 35.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.