Which returned more over the last year, AGG or SCHZ?

In the year to Oct 9, 2026, with distributions reinvested, AGG returned −1.6% and SCHZ −1.5%.

Which is cheaper, AGG or SCHZ?

Neither: AGG and SCHZ both charge 0.03% a year. Fees come from each fund's prospectus.

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AGG vs SCHZ: Differences, Returns & Fees

AGG's duration was 5.8 years on May 31, 2026 and SCHZ's 5.8 on Jun 30, 2026; both charge 0.03%. Net assets: $137.1bn on Oct 9, 2026 for iShares Core U.S. Aggregate Bond ETF, and $10.6bn on Jun 30, 2026 for Schwab U.S. Aggregate Bond ETF.

Both cost 0.03% a year; their one-year returns differ by 0.1 points; AGG is 13.1 times larger.

Points (pts) are percentage points.

	AGG	SCHZ
Expense ratio	0.03%	0.03%
Net assets, as of Jun 30, 2026	$138.8bn	$10.6bn
Total return, 1 year	−1.6%	−1.5%
What it tracks	Bloomberg U.S. Aggregate Bond Index	Bloomberg US Aggregate Bond Index
Holdings in common	67%
Below its high	4.7%, high on Aug 4, 2020	5.0%, high on Aug 4, 2020

Holdings in common uses holdings dated May 31, 2026 and Jun 30, 2026.

−1.6%

AGG total return, 1 year

−1.5%

SCHZ total return, 1 year

0.03%

AGG expense ratio

0.03%

SCHZ expense ratio

What they hold in common

By the books each fund has filed, AGG and SCHZ hold 67% of their money in the same securities at the same weight. Above 50%, holding both is close to holding one of them twice. Holdings dated May 31, 2026 and Jun 30, 2026.

50%

half

67% in common

Positions both hold, largest shared weight first

Holding AGG SCHZ

U.S. Treasury Notes, due Feb 15, 2035 0.42% 0.39%

U.S. Treasury Notes, due Aug 15, 2035 0.39% 0.39%

U.S. Treasury Notes, due Nov 15, 2034 0.41% 0.37%

U.S. Treasury Notes, due May 15, 2035 0.39% 0.37%

U.S. Treasury Notes, due May 15, 2034 0.38% 0.37%

U.S. Treasury Notes, due Feb 15, 2036 0.37% 0.39%

U.S. Treasury Notes, due Aug 15, 2034 0.40% 0.36%

U.S. Treasury Notes, due Nov 15, 2035 0.39% 0.36%

U.S. Treasury Notes, due Feb 15, 2034 0.39% 0.36%

U.S. Treasury Notes, due Nov 15, 2033 0.40% 0.36%

U.S. Treasury Notes, due Aug 15, 2033 0.35% 0.33%

U.S. Treasury Notes, due Feb 28, 2030 0.41% 0.32%

Only in AGG

U.S. Treasury Notes, due May 31, 2027 0.24%

U.S. Treasury Notes, due May 15, 2027 0.22%

Uniform Mortgage-Backed Security, TBA, due Jun 1, 2056 0.20%

Uniform Mortgage-Backed Security, TBA, due Jun 1, 2056 0.16%

U.S. Treasury Notes, due May 15, 2027 0.15%

U.S. Treasury Notes, due May 31, 2027 0.14%

Ginnie Mae, due Jun 20, 2056 0.14%

Freddie Mac Pool, due Mar 1, 2052 0.14%

Only in SCHZ

U.S. Treasury Notes, due May 31, 2031 0.29%

U.S. Treasury Notes, due May 31, 2028 0.28%

Uniform Mortgage-Backed Security, TBA, due Jul 13, 2056 0.26%

Uniform Mortgage-Backed Security, TBA, due Jul 13, 2056 0.19%

Uniform Mortgage-Backed Security, TBA, due Jul 13, 2056 0.18%

Uniform Mortgage-Backed Security, TBA, due Jul 13, 2056 0.15%

U.S. Treasury Notes, due May 31, 2033 0.15%

Uniform Mortgage-Backed Security, TBA, due Jul 13, 2056 0.13%

Check overlap with more funds →

On the same fields

AGG

iShares Core U.S. Aggregate Bond ETF

SCHZ

Schwab U.S. Aggregate Bond ETF

Where it sits Bond ETF Bond ETF

Issuer iShares Schwab

What it is Tracks an index of US aggregate bonds Tracks an index

Total return, 1 year −1.6% −1.5%

S&P 500 over the same days +17.3% +17.3%

Gap to the S&P 500 −18.8 pts −18.8 pts

Expense ratio 0.03% 0.03%

Holdings 13402 12326

Net assets, AGG as of Oct 9, 2026 and SCHZ as of Jun 30, 2026 $137.1bn $10.6bn

AGG and SCHZ on the fields both publish, as of Oct 9, 2026. Source: ETFIQ.

AGG in plain words

AGG tracks an index of US aggregate bonds. Over the year to Oct 9, 2026 it returned −1.6% with distributions reinvested, against −1.6% for its benchmark, the Bloomberg U.S. Aggregate Bond Index. The prospectus expense ratio is 0.03% a year. It sat 4.7% below its high of Aug 4, 2020 on Oct 9, 2026.

SCHZ in plain words

SCHZ tracks an index. Over the year to Oct 9, 2026 it returned −1.5% with distributions reinvested, against −1.6% for its benchmark, the Bloomberg US Aggregate Bond Index. It sat 5.0% below its high of Aug 4, 2020 on Oct 9, 2026.

Questions people ask

Which returned more over the last year, AGG or SCHZ?: In the year to Oct 9, 2026, with distributions reinvested, AGG returned −1.6% and SCHZ −1.5%.
Which is cheaper, AGG or SCHZ?: Neither: AGG and SCHZ both charge 0.03% a year. Fees come from each fund's prospectus.

Other comparisons

AGG vs JBND AGG vs BIV AGG vs SCCR AGG vs BND SCHZ vs SPAB SCHZ vs VCRB SCHZ vs TAGG SCHZ vs UITB

AGG on its own →SCHZ on its own →Hold both: look the portfolio through →Rankings →Standards and sources →

Where these figures came from

AGG filings on SEC EDGAR ↗AGG prospectus with the expense ratio (SEC) ↗iShares page for AGG ↗SCHZ filings on SEC EDGAR ↗SCHZ prospectus with the expense ratio (SEC) ↗Schwab website ↗

ETFIQ links to the documents behind every figure; a link is not an endorsement. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, AGG against SCHZ, data as of Oct 9, 2026. https://etfiq.com/compare/any/agg-vs-schz

Open data

Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms.