Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETFEFFI

HarborInternationalEx-US Broad#196 of 521 by YTD

$27.40

+2.5% last session

+13.4% YTD

Data as of 11/4/20264:00 PM ET · End-of-day

Dividend-adjusted total return · S&P 500 uses VOO · Aug 6, 2026 – Nov 4, 2026EFFIS&P 500 · VOO

Returns	1D	1M	3M	YTD	1Y	3Y	5Y	MAX
Total return	+2.5%	+4.9%	+1.6%	+13.4%	+17.6%	—	—	+47.8%
Peer average	+1.7%	−0.4%	−1.8%	+11.2%	+14.6%	+75.5%	+51.2%	—
S&P 500 · VOO	+1.6%	−1.6%	0.0%	+13.4%	+13.5%	+91.7%	+81.2%	—

Key Statistics

Open all fund facts →

AUM: $151M
Expense ratio: 0.55%
Distribution yield: 3.8%
NAV: $26.89
Volume: 416
Avg. volume 30D: 207
High today: $27.40
Low today: $27.30
Previous close: $26.74
52-week high: $28.08
52-week low: $22.75
Our risk indicator: 4/5

EFFI in One Breath

EFFI Among Ex-US Broad ETFs

YTD

#1IFLOVictoryShares+30.3%$299M

#2FYLDCambria Funds+26.6%$751M

#3ICPYTweedy, Browne Co.+24.1%$80.7M

#4PATNPacer+23.3%$382M

#5GMOIGMO+23.2%$695M

#6FNDFSchwab+21.8%$25.8B

#7UIVMVictoryShares+20.6%$330M

#8EPINHarbor+20.6%$8.3M

#44EFFIHarbor+13.4%$151M

End-of-day Nov 5, 2026 · 138 Ex-US broad ETFs by YTD

$10,000 in EFFI

$10,000 in EFFI became

$14,779

In the S&P 500 (VOO)

$12,998

Total return, dividends in · Dec 17, 2024 – Nov 4, 2026 · S&P 500 uses VOO

EFFI’s Top Holdings

Today

OR.PA3.6%MBG.DE3.6%SOON.SW3.5%4684.T3.5%AER3.3%6861.T3.3%LUGDF3.2%8015.T3.1%6098.T3.1%1928.T2.9%MPL.AX2.6%MFC2.5%AZN.L2.5%UCG.MI2.5%TD2.5%VWS.CO2.3%RY2.3%P911.DE2.2%SAN.MC2.1%DGE.L1.9%9531.T1.9%GFC.PA1.6%51 more

OR.PA3.6%MBG.DE3.6%SOON.SW3.5%4684.T3.5%AER3.3%6861.T3.3%LUGDF3.2%8015.T3.1%6098.T3.1%1928.T2.9%MPL.AMFC61 more

Financial ServicesIndustrialsTechnologyHealthcareBasic MaterialsConsumer CyclicalOther

Harbor EFFI · 73 holdings · tile size = share of the fund · as of Nov 4, 2026

What EFFI Holds

Today

Financial Services27.4%

MPL.AX 2.6 · MFC 2.5 · UCG.MI 2.5 · TD 2.5 · RY 2.3 · SAN.MC 2.1 · NWG.L 1.4

Industrials13.6%

AER 3.3 · 8015.T 3.1 · VWS.CO 2.3 · BEAN.SW 1.4 · 6383.T 1.2 · RXL.PA 1.1 · DSV.CO

Technology10.9%

4684.T 3.5 · 6861.T 3.3 · ASML.AS 1.4 · CLS · IFX.DE · SGE.L

Healthcare9.7%

SOON.SW 3.5 · AZN.L 2.5 · ROP.SW 1.4 · PHIA.AS

Basic Materials8.2%

LUGDF 3.2 · AKZA.AS · NTR · 6988.T

Consumer Cyclical8.7%

MBG.DE 3.6 · 1928.T 2.9 · P911.DE 2.2

Consumer Defensive6.7%

OR.PA 3.6 · DGE.L 1.9 · KESKOB.HE 1.1

Harbor EFFI · share of the fund by sector · as of Nov 4, 2026

L'oreal’s Share of EFFI

Today

3.6%

$36 of every $1,000 in EFFI is L'oreal

L'oreal held by EFFI

$5.5M

Most L'oreal per dollar

EWQ5.8%

XEML4.9%

ETFT4.3%

CLUB4.1%

Harbor EFFI · each square = $10 of $1,000 · as of Nov 4, 2026

EFFI’s Share of Ex-US Broad ETFs

Today

0.0%

of the $666B in 173 Ex-US broad ETFs

EFFI$151M0.0%

VXUS$163B24.5%

VEU$68.1B10.2%

170 others$435B65.3%

Ex-US broad ETF AUM · Nov 5, 2026

EFFI Fee per $100 vs Peers

Today

$0.55a year
per $100

$55 a year on $10,000

SCHF$0.03

VEU$0.04

VXUS$0.05

IXUS$0.07

FNDF$0.25

EFFI$0.55

Expense ratio · Ex-US broad peers · Nov 5, 2026

Inside EFFI

73 holdings · as of Nov 4, 2026

EFFI

Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETF

Today

Financial Services27.4%MPL.AX2.6%MFC2.5%UCG.MI2.5%TD2.5%RY2.3%SAN.MC2.1%NWG.LQBE.AXISP.MIGLE.PBBVA.III.L5 moreIndustrials13.6%AER3.3%8015.T3.1%VWS.COBEAN.SRXL.PATechnology10.9%4684.T3.5%6861.T3.3%ASML.ACLSIFX.DHealthcare9.7%SOON.SW3.5%AZN.LROP.SWBasic Materials8.2%LUGDF3.2%AKZA.Consumer Cyclical8.7%MBG.DE3.6%P911.DConsumer Defensive6.7%OR.PA3.6%DGE.L1.9%Communication Services6.7%6098.T3.1%VOD.LSCMN.Energy4.8%EQNR.OWDS.AUtilities3.1%EOAN.GFC.PA

Financial Services27.4%MPL.AXMFCUCG.MITD RY SAN.MC13 moreIndustrials13.6%AERVWS.CBEAN.SRXL.PTechnology10.9%4684.T3.5%ASML.ACLSHealthcare9.7%SOON.SW3.5%AZN.LROP.SWBasic Materials8.2%LUGDFAKZA.Consumer Cyclical8.7%MBG.DEP911.DConsumer Defensive6.7%OR.PADGE.LCommunication Services6.7%VOD.LEnergy4.8%EQNR.WDS.AUtilities3.1%GFC.P

#	Ticker	Company	Weight ▼
1	OR.PA	L'oreal	3.62%
2	MBG.DE	Mercedes-benz Group AG	3.61%
3	SOON.SW	Sonova Ag-reg	3.55%
4	4684.T	Obic	3.53%
5	AER	Aercap	3.34%
6	6861.T	Keyence	3.32%
7	LUGDF	Lundin Gold	3.18%
8	8015.T	Toyota Tsusho	3.15%
9	6098.T	Recruit	3.11%
10	1928.T	Sekisui House	2.91%

Financial ServicesIndustrialsTechnologyHealthcareBasic MaterialsConsumer CyclicalConsumer DefensiveCommunication ServicesEnergyUtilitiesReal Estate

Harbor EFFI · current holdings by weight · as of Nov 4, 2026 · each tile is one holding · top 20 = 56.8%

How It Compares

EFFI

Harbor ETF Trust - Harbor Osmosis International Resource Efficient ETF’s Peers

YTD


VXUS	VanguardRead Desk	0.05%	+12.0%	+15.0%	$163.2B
VEU	VanguardRead Desk	0.04%	+12.6%	+15.6%	$68.1B
SCHF	SchwabRead Desk	0.03%	+15.1%	+19.5%	$67.8B
IXUS	iSharesRead Desk	0.07%	+12.4%	+15.2%	$57.0B
FNDF	SchwabRead Desk	0.25%	+21.8%	+28.6%	$25.8B
EFFI	HarborThis fundRead Desk	0.55%	+13.4%	+17.6%	$151M

Ex-US broad peers · YTD and past-year returns · as of Nov 5, 2026 · sorted by AUM

Head to Head

Put EFFI head to head with VXUS →

VXUS vs EFFI

YTD

VXUSVanguard · Ex-US broadEFFIHarbor · Ex-US broad

Year to date

+12.0%

+13.4%

EFFI wins+1.4 pts

Past year

+15.0%

+17.6%

EFFI wins+2.7 pts

Fee

0.05%

0.55%

VXUS winslower fee

Yield

2.4%

3.8%

EFFI wins+1.5 pts

AUM

$163B

$151M

VXUS1078.8× more

3–1EFFI wins

Vanguard VXUS and Harbor EFFI · year-to-date · as of Nov 5, 2026 · AUM not scored

EFFI vs VOO

YTD

EFFI · Harbor ETF Trust - Harbor Osmosis International Resource Efficient

+13.4%

VOO · S&P 500

+13.4%

Gap

0.0 pts

Harbor EFFI and Vanguard VOO · YTD total return · as of Nov 5, 2026

EFFI vs Its Peer Average

YTD

EFFIAvsBPeer average

1D+2.5%+1.7%

1M+4.9%−0.4%

3M+1.6%−1.8%

YTD+13.4%+11.2%

1Y+17.6%+14.6%

3Y[…]+75.5%

5Y[…]+51.2%

5–0EFFI wins

172 Ex-US broad peers · each row scaled to its leader

The Details

EFFI

Risk

4/5our risk indicator

CalmerBumpier

Volatility · 1Y15.26%

Deepest drop · 1Y−10.5%

Lowest point · 5Y−5.6%

52-week range

$27.40

$22.75−2.4% from the high$28.08

Harbor EFFI · past-year price moves · as of Nov 5, 2026

EFFI

Fund Facts

Today

2024launched Dec 11

Tracks[…]

Exchange · CUSIPAMEX · 41151J729

StructureETF

Leverage1x

Cost on $10,000$55 a year

Go deeper

Prospectus & documents Trading & liquidity Fees & costs Distributions

Harbor EFFI · fund facts · as of Nov 5, 2026

EFFI

Payouts by Year

$1.05per share, Dec 2025

Distribution yield3.8%

Paid[…]

Latest ex-date · paidDec 19 · Dec 24, 2025

1 payouts added up$1.05 a share

Harbor EFFI · distributions by ex-date · 2025–2025

All Fund FactsDocuments · trading · fees · every payout

Prospectus & Documents

SEC reported portfolio · 2026-07-31 ↗SEC reported portfolio · 2026-04-30 ↗summary prospectus · SEC 497K ↗SEC reported portfolio · 2026-01-31 ↗summary prospectus · SEC 497K ↗SEC reported portfolio · 2025-10-31 ↗summary prospectus · SEC 497K ↗SEC reported portfolio · 2025-07-31 ↗SEC reported portfolio · 2025-04-30 ↗SEC reported portfolio · 2025-01-31 ↗summary prospectus · SEC 497K ↗summary prospectus · SEC 497K ↗

Trading & Liquidity

Net asset value$26.89

Premium / discount[…]

Median spread · 30D[…]

Volume today416

Average volume · 30D207

Shares outstanding[…]

Options[…]

Fees & Costs

Net expense ratio0.55%

Gross expense ratio[…]

Management fee[…]

Cost on $10,000 a year$55.00

Our risk indicator4/5

Estimated yearly cost excludes trading costs and assumes constant assets.

Distributions

Ex-date	Paid	Per share
Dec 19, 2025	Dec 24, 2025	$1.05

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