FFTI vs SIFI
FormulaFolios Tactical Income ETF vs Harbor Ares Systematic Multi-Sector Income ETF
Which is better, FFTI or SIFI?
SIFI has been ahead.
SIFI has a lower expense ratio. SIFI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.91.
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 | FFTI | SIFI |
|---|---|---|
| Expense Ratio | 0.96% | 0.50%Best |
| AUM | $69M | $23M |
| Dividend Yield | 2.40% | 8.29% |
| Holdings | 5 | 374 |
| Volatility (annualized) | 5.9%Best | 6.5% |
| Max Drawdown | -15.9% | -14.7%Best |
| $10,000 over 3.1 years | $8,653 | $10,053Best |
| Fund Family | FormulaFolio Funds | Harbor Funds |
| Category | Fixed Income | Fixed Income |
| Style | Diversified Sectoral Bond | Diversified Sectoral Bond |
| Inception | Jun 6, 2017 | Sep 14, 2021 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 712 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. FFTI has data through Nov 1, 2024 and SIFI through Oct 14, 2026.
Volatility and max drawdown, and the $10,000 over 3.1 years row, are measured over the window both funds cover: Sep 16, 2021 to Nov 1, 2024 (3.1 years).
Risk: Volatility and Drawdowns
SIFI has been the more volatile fund, with annualized monthly volatility of 6.5% compared with 5.9% for FFTI. 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 -15.9% for FFTI and -14.7% for SIFI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.91. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
FFTI charges 0.96% per year while SIFI charges 0.50%. On a $10,000 position that is $96 vs $50 annually, a gap of $46 per year that compounds over a long holding period. On income, FFTI currently yields 2.40% against 8.29% for SIFI.
You are not choosing between two funds in isolation.
Whichever of FFTI and SIFI 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, FFTI or SIFI?
FFTI has an expense ratio of 0.96% while SIFI charges 0.50%. SIFI is the cheaper option, by $46 a year on a $10,000 investment.
Which is riskier, FFTI or SIFI?
SIFI has been the more volatile fund at 6.5% annualized versus 5.9% for FFTI. Worst drawdown: FFTI -15.9% vs SIFI -14.7%.
Should I hold both FFTI and SIFI?
FFTI and SIFI have a monthly-return correlation of 0.91, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
Which pays a higher dividend, FFTI or SIFI?
FFTI yields 2.40% while SIFI yields 8.29%, so SIFI currently pays the higher dividend yield.
Is SIFI better than FFTI?
SIFI has a lower expense ratio. SIFI led over 1Y and the full window. The two have moved almost in lockstep, correlation 0.91. Which one suits a particular account depends on what it is for. This is information, not a recommendation.