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

In the year to Oct 28, 2026, with distributions reinvested, AGG returned −1.4% and XRT +2.4%.

Which is cheaper, AGG or XRT?

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.

Data as of Oct 28, 2026.

Across categories

AGG vs XRT: Differences, Returns & Fees

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Over the year to Oct 28, 2026, AGG returned −1.4% to XRT's +2.4%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $139.4bn for iShares Core U.S. Aggregate Bond ETF and $362m for State Street SPDR S&P Retail ETF.

AGG on its own →XRT on its own →

At a glance

−1.4%

AGG total return, 1 year

+2.4%

XRT total return, 1 year

0.03%

AGG expense ratio

0.35%

XRT expense ratio

Pair scorecard

AGG costs 0.32 points a year less; their one-year returns differ by 3.8 points; AGG is far larger, $139.4bn against $362m.

AGG vs XRT: Differences, Returns & Fees
Measure	AGG	XRT
Return
Measure	AGG	XRT
Total return, 1 year	−1.4%	+2.4%
Drawdown
Measure	AGG	XRT
Below its high	3.4%, high on Aug 4, 2020	9.9%, high on Nov 16, 2021
Benchmark
Measure	AGG	XRT
What it tracks	Bloomberg U.S. Aggregate Bond Index	S&P Retail Select Industry Index
Cost and size
Measure	AGG	XRT
Expense ratio	0.03%	0.35%
Net assets, as of Oct 27, 2026	$139.4bn	$362m
Holdings
Measure	AGG	XRT
Holdings in common	0%
In the S&P 500, by weight		22%
Top ten holdings, share of the fund		16.6%

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

What they share

By the books each fund has filed, AGG and XRT 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 XRT

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 XRT

KOHLS CORP 1.85%

MAPLEBEAR INC 1.76%

BATH + BODY WORKS INC 1.69%

ETSY INC 1.68%

VICTORIA S SECRET + CO 1.66%

BJ S WHOLESALE CLUB HOLDINGS 1.62%

GAMESTOP CORP CLASS A 1.60%

OLLIE S BARGAIN OUTLET HOLDI 1.60%

Check overlap with more funds →

Side by side

AGG iShares Core U.S. Aggregate Bond ETF XRT State Street SPDR S&P Retail ETF

Where it sits Bond ETF Stock ETF

Issuer iShares State Street

What it is Tracks an index of US aggregate bonds Tracks the S&P Retail

Total return, 1 year −1.4% +2.4%

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% 0.35%

Holdings 13469 74

Net assets, as of Oct 27, 2026 $139.4bn $362m

AGG and XRT 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.

XRT

XRT tracks the S&P Retail. Over the year to Oct 28, 2026 it returned +2.4% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 22% of the fund by weight is stocks the S&P 500 also holds, across 74 positions, with the top ten at 16.6%. It sat 9.9% below its high of Nov 16, 2021 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, AGG or XRT?: In the year to Oct 28, 2026, with distributions reinvested, AGG returned −1.4% and XRT +2.4%.
Which is cheaper, AGG or XRT?: 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.

Other comparisons

AGG vs XHB AGG vs XLY AGG vs IYR AGG vs XOP BND vs XRT SGOV vs XRT BNDX vs XRT VCIT vs XRT

Where to next

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

Sources and dates

AGG filings on SEC EDGAR ↗

AGG prospectus with the expense ratio (SEC) ↗

iShares page for AGG ↗

XRT filings on SEC EDGAR ↗

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

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