Data as of Oct 28, 2026.
AGG vs XBI: Differences, Returns & Fees
Over the year to Oct 28, 2026, AGG returned −1.4% to XBI's +41.2%, and AGG charges 0.03% to XBI's 0.35%.
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Net assets on Oct 27, 2026: $139.4bn for iShares Core U.S. Aggregate Bond ETF and $10.3bn for State Street SPDR S&P Biotech ETF.
Pair scorecard
AGG costs 0.32 points a year less; their one-year returns differ by 42.6 points; AGG is 13.5 times larger.
| Measure | AGG | XBI |
|---|---|---|
| Return | ||
| Total return, 1 year | −1.4% | +41.2% |
| Drawdown | ||
| Below its high | 3.4%, high on Aug 4, 2020 | |
| Below its all-time high | 8.9%, high on Feb 8, 2021 | |
| Benchmark | ||
| What it tracks | Bloomberg U.S. Aggregate Bond Index | Biotech |
| Cost and size | ||
| Expense ratio | 0.03% | 0.35% |
| Net assets, as of Oct 27, 2026 | $139.4bn | $10.3bn |
| Active share vs the S&P 500 | 98% | |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 13% | |
| Top ten holdings, share of the fund | 18% | |
Holdings in common uses holdings dated Oct 27, 2026. Method
Risk and return
Feb 17, 2006 to Oct 23, 2026 · 1,079 weekly returnsXBI returned more: +817.9% to +83.3%. AGG swung less: 5.3% to 29.2%. AGG fell less at its worst: −18.2% to −61.5%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | AGG | XBI | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +83.3% | +817.9% | XBI | Price change plus distributions, reinvested. |
| Annualized | +3.0% | +11.3% | XBI | Total return as a yearly rate. |
| Price return | −4.3% | +767.9% | XBI | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 5.3% | 29.2% | AGG | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 3.9% | 20.0% | AGG | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −18.2% | −61.5% | AGG | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.25 | 0.45 | XBI | Return above Treasury bills per unit of volatility. |
| Sortino | 0.33 | 0.66 | XBI | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.16 | 0.18 | XBI | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,079 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, AGG and XBI hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
AGG and XBI on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
AGG and XBI do different jobs. What does each one do in a portfolio?
- What each follows. AGG follows Bloomberg U.S. Aggregate Bond Index and XBI follows Biotech.
- Holdings in common. 0% of the weight is in the same securities (holdings dated Oct 27, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 AGG returned −1.4% and XBI +41.2% with distributions reinvested, a gap of 42.6 points.
Data as of Oct 28, 2026.
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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.
XBI
By weight, 13% of XBI's portfolio is stocks that are also in the S&P 500; its active share against the S&P 500 is 98%. The top ten holdings are 18% of the fund across 165 positions, as published by its issuer for Oct 27, 2026. Over the year to Oct 28, 2026 the fund returned +41.2% with distributions reinvested. It sits 8.9% below its all-time high of Feb 8, 2021.
Questions people ask
- Are AGG and XBI in the same category?
- AGG is a bond ETF and XBI is a thematic ETF, so they do different jobs. The table compares what both publish: return, cost and holdings.
- Which returned more over the last year, AGG or XBI?
- In the year to Oct 28, 2026, with distributions reinvested, AGG returned −1.4% and XBI +41.2%.
- Which is cheaper, AGG or XBI?
- AGG is cheaper, by 0.32 percentage points a year. That is about $32 on $10,000 held for a year. Fees come from each fund's prospectus.
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.
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ETFIQ, AGG against XBI, data as of Oct 28, 2026. https://etfiq.com/compare/any/agg-vs-xbi
ETFIQ. (Oct 28, 2026). AGG against XBI. Retrieved from https://etfiq.com/compare/any/agg-vs-xbi
[AGG against XBI (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/agg-vs-xbi)
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