ETF Versus

AGG vs ITOT

iShares Core US Aggregate Bond ETF vs iShares Core S&P Total U.S. Stock Market ETF

Last updated: 2026-04-02

AGG iShares

iShares Core US Aggregate Bond ETF (AGG) is an exchange-traded fund issued by iShares that provides exposure to the broad U.S. investment-grade bond market. It charges a very low expense ratio of 0.03%. The fund offers an attractive dividend yield of 3.94%. Launched in 2003, the fund has a 23-year track record.

AUM: $137.9B ER: 0.03% Yield: 3.94% Since: Sep 22, 2003
ITOT iShares

iShares Core S&P Total U.S. Stock Market ETF (ITOT) is an exchange-traded fund issued by iShares that provides exposure to the total U.S. stock market across all capitalizations. It charges a very low expense ratio of 0.03%. The fund offers a moderate dividend yield of 1.12%. Launched in 2004, the fund has a 22-year track record.

AUM: $77.6B ER: 0.03% Yield: 1.12% Since: Jan 20, 2004

Quick Verdict

Over the past year, ITOT has significantly outperformed with a 17.2% return vs 0.0%. Income investors may prefer AGG for its higher yield (3.9% vs 1.1%).

Key Metrics

Metric AGG ITOT
Expense Ratio 0.03% 0.03%
Dividend Yield 3.9% 1.1%
Fund Family iShares iShares
Category US Aggregate Bond US Total Market

Performance Chart

Indexed to 100 at start (5-year comparison)

80 97 114 131 148 165 2021-04 2022-06 2023-09 2024-12 2026-04
AGG -13.0%
ITOT +52.8%

Performance Comparison

Period AGG ITOT Difference
1 Month -1.67% -4.55% +2.88%
3 Months -0.85% -3.83% +2.98%
6 Months -1.18% -2.08% +0.90%
YTD -0.85% -3.83% +2.98%
1 Year +0.04% +17.17% -17.13%
3 Years -0.82% +57.97% -58.79%
5 Years -13.01% +52.82% -65.83%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period AGG Fees ITOT Fees You Save
$10.000 10 years $60 $60 $0
$10.000 20 years $258 $258 $0
$10.000 30 years $835 $835 $0
$50.000 10 years $299 $299 $0
$50.000 30 years $4.176 $4.176 $0
$100.000 30 years $8.352 $8.352 $0

Risk Metrics

Based on 5 years of daily returns

Metric AGG ITOT
Annualized Volatility 6.1% 17.4%
Max Drawdown -21.4% -26.2%
Sharpe Ratio -1.17 0.32

Dividend Comparison

Metric AGG ITOT
Annual Dividend (per share) $3.90 $1.61
Dividend Yield 3.94% 1.13%
Distribution Frequency Monthly Quarterly

Top Holdings

ITOT Top Holdings

NameWeight
NVIDIA CorporationNVDA6.59%
Apple Inc.AAPL5.91%
Microsoft CorporationMSFT4.29%
Amazon.com, Inc.AMZN3.15%
Broadcom Inc.AVGO2.31%
Alphabet Inc.GOOG2.07%
Meta Platforms, Inc.META1.86%
Tesla, Inc.TSLA1.65%
Berkshire Hathaway Inc.BRK.B1.39%

Which One Should You Choose?

Choose ITOT if...

recent performance momentum matters to your strategy. Note that past performance doesn't guarantee future results.

Choose AGG if...

you prioritize dividend income and want higher regular distributions from your portfolio.

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