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

In the year to Oct 28, 2026, with distributions reinvested, AGG returned −1.4% and XLF +7.6%.

Which is cheaper, AGG or XLF?

AGG is cheaper, by 0.05 percentage points a year. That is about $5 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

AGG vs XLF: Differences, Returns & Fees

Share on X Download as PDF

Over the year to Oct 28, 2026, AGG returned −1.4% to XLF's +7.6%; 0% of their weight is in the same names.

askIQ about this page

askIQ about AGG and XLF

Net assets on Oct 27, 2026: $139.4bn for iShares Core U.S. Aggregate Bond ETF and $51.6bn for State Street Financial Select Sector SPDR ETF.

AGG on its own →XLF on its own →

At a glance

−1.4%

AGG total return, 1 year

+7.6%

XLF total return, 1 year

0.03%

AGG expense ratio

0.08%

XLF expense ratio

Pair scorecard

AGG costs 0.05 points a year less; their one-year returns differ by 9.0 points; AGG is 2.7 times larger.

AGG vs XLF: Differences, Returns & Fees
Measure	AGG	XLF
Return
Measure	AGG	XLF
Total return, 1 year	−1.4%	+7.6%
Drawdown
Measure	AGG	XLF
Below its high	3.4%, high on Aug 4, 2020	3.8%, high on Sep 3, 2026
Benchmark
Measure	AGG	XLF
What it tracks	Bloomberg U.S. Aggregate Bond Index	Financial Select Sector Index
Cost and size
Measure	AGG	XLF
Expense ratio	0.03%	0.08%
Net assets, as of Oct 27, 2026	$139.4bn	$51.6bn
Holdings
Measure	AGG	XLF
Holdings in common	0%
In the S&P 500, by weight		100%
Top ten holdings, share of the fund		57.4%

Holdings in common uses holdings dated Oct 27, 2026. Method

What they share

By the books each fund has filed, AGG and XLF hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first AGG XLF

Only in one fund ↓

Only in AGG

BLACKROCK CASH CL INST SL AGENCY 3.02%

TREASURY NOTE 0.40%

TREASURY NOTE (OLD) 0.40%

TREASURY NOTE 0.40%

TREASURY NOTE 0.39%

TREASURY NOTE 0.38%

Only in XLF

BERKSHIRE HATHAWAY INC CL B 12.84%

JPMORGAN CHASE + CO 11.33%

VISA INC CLASS A SHARES 8.69%

MASTERCARD INC A 6.26%

BANK OF AMERICA CORP 4.18%

GOLDMAN SACHS GROUP INC 3.37%

WELLS FARGO + CO 3.17%

MORGAN STANLEY 2.83%

Check overlap with more funds →

Side by side

AGG iShares Core U.S. Aggregate Bond ETF XLF State Street Financial Select Sector SPDR ETF

Where it sits Bond ETF Stock ETF

Issuer iShares State Street

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

Total return, 1 year −1.4% +7.6%

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% 0.08%

Holdings 13469 77

Net assets, as of Oct 27, 2026 $139.4bn $51.6bn

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

Alert

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.

XLF

XLF tracks an index of Financials. Over the year to Oct 28, 2026 it returned +7.6% with distributions reinvested. The prospectus expense ratio is 0.08% a year. By its holdings published by its issuer for Oct 27, 2026, 100% of the fund by weight is stocks the S&P 500 also holds, across 77 positions, with the top ten at 57.4%. It sat 3.8% below its high of Sep 3, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, AGG or XLF?: In the year to Oct 28, 2026, with distributions reinvested, AGG returned −1.4% and XLF +7.6%.
Which is cheaper, AGG or XLF?: AGG is cheaper, by 0.05 percentage points a year. That is about $5 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

AGG vs KRE AGG vs XLE AGG vs VNQ AGG vs XLB BND vs XLF SGOV vs XLF BNDX vs XLF VCIT vs XLF

Where to next

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

Sources and dates

AGG filings on SEC EDGAR ↗

AGG prospectus with the expense ratio (SEC) ↗

iShares page for AGG ↗

XLF filings on SEC EDGAR ↗

XLF prospectus with the expense ratio (SEC) ↗

State Street website ↗

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 XLF, data as of Oct 28, 2026. https://etfiq.com/compare/any/agg-vs-xlf

Open data →

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