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

In the year to Oct 28, 2026, with distributions reinvested, AGG returned −1.4% and SGOV +3.7%.

Which is cheaper, AGG or SGOV?

AGG is cheaper, by 0.06 percentage points a year. That is about $6 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

AGG vs SGOV: Differences, Returns & Fees

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On Aug 31, 2026 AGG's duration was 5.8 years and SGOV's 0.1; AGG charges 0.03% to SGOV's 0.09%.

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Net assets on Oct 27, 2026: $139.4bn for iShares Core U.S. Aggregate Bond ETF and $117.0bn for iShares 0-3 Month Treasury Bond ETF.

AGG on its own →SGOV on its own →

At a glance

−1.4%

AGG total return, 1 year

+3.7%

SGOV total return, 1 year

0.03%

AGG expense ratio

0.09%

SGOV expense ratio

Pair scorecard

AGG costs 0.06 points a year less; their one-year returns differ by 5.1 points; AGG is 1.2 times larger.

AGG vs SGOV: Differences, Returns & Fees
Measure	AGG	SGOV
Return
Measure	AGG	SGOV
Total return, 1 year	−1.4%	+3.7%
Drawdown
Measure	AGG	SGOV
Below its high	3.4%, high on Aug 4, 2020
Benchmark
Measure	AGG	SGOV
What it tracks	Bloomberg U.S. Aggregate Bond Index	ICE 0-3 Month US Treasury Securities Index
Cost and size
Measure	AGG	SGOV
Expense ratio	0.03%	0.09%
Net assets, as of Oct 27, 2026	$139.4bn	$117.0bn
Holdings
Measure	AGG	SGOV
Holdings in common	0%

Holdings in common uses holdings dated Aug 31, 2026. Method

Risk and return

Jun 5, 2020 to Oct 23, 2026 · 333 weekly returns

AGG SGOV

Return

Total return edge SGOV −0.7% +20.8%

Annualized edge SGOV −0.1% +3.0%

Price return edge SGOV −17.9% +0.6%

Risk

Volatility edge SGOV 5.3% 0.3%

Max drawdown edge SGOV −18.2% 0.0%

Risk-adjusted

Sharpe edge SGOV −0.58 −0.46

Sortino edge SGOV −0.78 −0.57

Calmar −0.01 Not measured

Reading

SGOV returned more: +20.8% to −0.7%. SGOV swung less: 0.3% to 5.3%. SGOV fell less at its worst: 0.0% to −18.2%.

Full scorecard

9 measures, with how each is measured Open ↓

Risk and return: AGG vs SGOV: Differences, Returns & Fees
Measure	AGG	SGOV	Edge	How it is measured
Return
Total return	−0.7%	+20.8%	SGOV	Price change plus distributions, reinvested.
Annualized	−0.1%	+3.0%	SGOV	Total return as a yearly rate.
Price return	−17.9%	+0.6%	SGOV	Price change alone, distributions left out.
Risk
Volatility	5.3%	0.3%	SGOV	Spread of weekly returns, annualized. Lower is steadier.
Downside deviation	3.9%	0.2%	SGOV	Like volatility, counting only weeks below the Treasury bill rate.
Max drawdown	−18.2%	0.0%	SGOV	Deepest fall from a high to the low after it.
Risk-adjusted
Sharpe	−0.58	−0.46	SGOV	Return above Treasury bills per unit of volatility.
Sortino	−0.78	−0.57	SGOV	Return above Treasury bills per unit of downside deviation.
Calmar	−0.01	Not measured		Annualized return divided by the max drawdown.

Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 333 weekly returns. Cash rate: the 13-week Treasury bill.

What they share

By the books each fund has filed, AGG and SGOV hold 0% of their money in the same securities at the same weight. Holdings dated Aug 31, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first AGG SGOV

Only in one fund ↓

Only in AGG

U.S. Treasury Notes, due Feb 15, 2035 0.41%

U.S. Treasury Notes, due Nov 15, 2034 0.40%

U.S. Treasury Notes, due Feb 28, 2030 0.40%

U.S. Treasury Notes, due May 15, 2034 0.40%

U.S. Treasury Notes, due Aug 15, 2034 0.39%

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

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

U.S. Treasury Notes, due Nov 15, 2033 0.38%

Only in SGOV

U.S. Treasury Bills, due Oct 20, 2026 10.18%

U.S. Treasury Bills, due Sep 22, 2026 8.59%

U.S. Treasury Bills, due Oct 13, 2026 8.51%

U.S. Treasury Bills, due Sep 29, 2026 6.82%

U.S. Treasury Bills, due Oct 27, 2026 6.76%

U.S. Treasury Bills, due Sep 1, 2026 6.63%

U.S. Treasury Bills, due Sep 15, 2026 6.04%

U.S. Treasury Bills, due Oct 29, 2026 5.18%

Check overlap with more funds →

Side by side

AGG iShares Core U.S. Aggregate Bond ETF SGOV iShares 0-3 Month Treasury Bond ETF

Where it sits Bond ETF Bond ETF

Issuer iShares iShares

What it is Tracks an index of US aggregate bonds Tracks an index of 0-3 month T-bills

Total return, 1 year −1.4% +3.7%

Its benchmark over the same days −1.3% (SCHZ) not measured

Gap to its benchmark −0.1 pts vs SCHZ not measured

Expense ratio 0.03% 0.09%

Holdings 13469 22

Net assets, as of Oct 27, 2026 $139.4bn $117.0bn

AGG and SGOV on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Client brief · page 1 of 2 Report BR-6FA8838AF6

AGG and SGOV do different jobs. What does each one do in a portfolio?

What each follows. AGG follows Bloomberg U.S. Aggregate Bond Index and SGOV follows ICE 0-3 Month US Treasury Securities Index.
Holdings in common. 0% of the weight is in the same securities (holdings dated Aug 31, 2026).
One-year total return. Over 1 year to Oct 28, 2026 AGG returned −1.4% and SGOV +3.7% with distributions reinvested, a gap of 5.1 points.

Data as of Oct 28, 2026.

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About each fund

AGG

AGG tracks an index of US aggregate bonds. Over the year to Oct 28, 2026 it returned −1.4% with distributions reinvested, against −1.3% for its benchmark, the Bloomberg U.S. Aggregate Bond Index. The prospectus expense ratio is 0.03% a year. It sat 3.4% below its high of Aug 4, 2020 on Oct 28, 2026.

SGOV

SGOV tracks an index of 0-3 month T-bills. Over the year to Oct 28, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.09% a year.

Questions people ask

Which returned more over the last year, AGG or SGOV?: In the year to Oct 28, 2026, with distributions reinvested, AGG returned −1.4% and SGOV +3.7%.
Which is cheaper, AGG or SGOV?: AGG is cheaper, by 0.06 percentage points a year. That is about $6 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

AGG vs BIL AGG vs PULS AGG vs VUSB AGG vs SHV BND vs SGOV SGOV vs VCIT SGOV vs TLT SGOV vs VCSH

Where to next

AGG on its own →SGOV on its own →Hold both: look the portfolio through →Rankings →AGG dividend history →AGG holdings →SGOV dividend history →SGOV holdings →Standards and sources →

Sources and dates

AGG and SGOV filings on SEC EDGAR ↗

AGG and SGOV prospectus with the expense ratio (SEC) ↗

iShares page for AGG ↗

iShares page for SGOV ↗

Links are sources, not endorsements. 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 SGOV, data as of Oct 28, 2026. https://etfiq.com/compare/any/agg-vs-sgov

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