Harbor Osmosis International Resource… (EFFI) Performance
EFFI total return
Distributions reinvested · as of Oct 23, 2026- YTD
- +10.4% since Dec 31, 2025
- 1 year
- +16.0% total return
- Since first price
- +42.5% since 2024
EFFI trailing returns vs SPY, QQQ, AGG
| Period | EFFI total return | Price only | S&P 500 (SPY) | Nasdaq-100 (QQQ) | U.S. bonds (AGG) |
|---|---|---|---|---|---|
| 1 month | +0.3% | +0.3% | −1.0% | −5.0% | +0.9% |
| 3 months | +4.6% | +4.6% | +3.2% | +1.9% | −0.4% |
| 6 months | +9.3% | +9.3% | +7.8% | +8.4% | −1.5% |
| YTD | +10.4% | +10.4% | +12.3% | +15.1% | −1.0% |
| 1 year | +16.0% | +11.1% | +14.4% | +15.9% | −1.1% |
| Since inceptionDec 12, 2024 | +42.5% | +36.5% | — | — | — |
Total return from adjusted closes (distributions reinvested, before tax). Periods of 3 years or more are also shown annualized. Price only excludes distributions.
Growth of $10,000: EFFI vs SPY
From Dec 12, 2024: EFFI grew to $14,249, SPY to $12,866.
Year-end values with distributions reinvested, no taxes or trading costs. Start: first common trading day of both funds.
EFFI returns by calendar year
1 of 1 full years positive. Best 2025 (+33.6%), worst 2025 (+33.6%). 2026 is year to date.
EFFI annual returns table
| Year | EFFI | Largest drop | SPY | QQQ | AGG |
|---|---|---|---|---|---|
| 2026YTD | +10.4% | −10.5% | +12.3% | +15.1% | −1.0% |
| 2025 | +33.6% | −5.7% | +17.7% | +20.8% | +7.2% |
Largest drop = deepest fall from a high within that calendar year.
Calendar-year return vs largest drop within the year
Most years include a sizable fall at some point even when the year ends higher.
EFFI largest drawdowns
Now 3.6% below the high| Peak | Decline | Bottom | Recovered | Fall | Underwater |
|---|---|---|---|---|---|
| Feb 25, 2026 | −10.5% | Mar 20, 2026 | May 27, 2026 | 23 days | 3 months |
Declines from a closing high (distributions reinvested) of 10% or more. Underwater = time from the peak until the old high was regained.
EFFI risk statistics
| Statistic | Since 2024 |
|---|---|
| Annualized return | +23.6% |
| Volatility (annualized) | 13.2% |
| Sharpe ratio | 1.39 |
| Sortino ratio | 2.57 |
| Best month | +10.9% |
| Worst month | −6.7% |
| Best 12 months | +38.2% |
| Worst 12 months | +15.3% |
| Positive months | 67% |
| Beta vs S&P 500 | — |
| Correlation with S&P 500 | — |
From monthly total returns. Sharpe and Sortino use 1–3 month T-bills (BIL) as the risk-free rate, so they need history from 2007 on.
EFFI rolling returns
| Holding period | Periods | Worst | Median | Best | Positive |
|---|---|---|---|---|---|
| 1-year | 11 | +14.7% | +21.4% | +38.2% | 100% |
Every holding period starting at a month-end since 2024. Returns for 3 years and longer are annualized.
EFFI performance overview
Harbor Osmosis International Resource… (EFFI) returned +16.0% over the past year, with distributions reinvested. Since its first recorded price on Dec 12, 2024 it has returned +42.5%. Over the same year S&P 500 (SPY) returned +14.4%.
The deepest decline was −10.5%, from Feb 25, 2026 to Mar 20, 2026, and it took 2 months to get back to the old high. Volatility has been 13.2% a year.
Related: EFFI chart, EFFI holdings, EFFI dividends. See the EFFI overview for the latest quote and fund facts.
EFFI performance FAQ
What is the EFFI return over the past year?
EFFI returned +16.0% over the 12 months to October 23, 2026, including reinvested distributions. On price alone it rose 11.1%.
How much would $10,000 invested in EFFI be worth?
$10,000 invested in EFFI at its first recorded close on December 12, 2024 would be worth about $14,249 on October 23, 2026 with distributions reinvested.
What is the biggest drawdown of EFFI?
The largest peak-to-trough decline was −10.5% between February 25, 2026 and March 20, 2026. It recovered to the old high on May 27, 2026, 2 months after the bottom.
How volatile is EFFI?
Over the past history EFFI had an annualized volatility of 13.2% and a Sharpe ratio of 1.39 (excess return over 1–3 month T-bills per unit of risk).