AGGM vs VTI
iShares 1-10 Year U.S. Aggregate Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, AGGM or VTI?
VTI has been ahead.
VTI led over 1Y, 3Y, 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | AGGM | VTI |
|---|---|---|
| Expense Ratio | - | 0.03% |
| AUM | - | $666.9B |
| Dividend Yield | - | 1.03% |
| Holdings | 1,739 | 3,543 |
| YTD Return | -1.58% | +11.53%Best |
| 1Y Return | -1.34% | +15.74%Best |
| 3Y Return (annualized) | +3.59% | +20.67%Best |
| 5Y Return (annualized) | -0.98% | +11.59%Best |
| Volatility (annualized) | 4.8%Best | 15.9% |
| Max Drawdown | -20.2%Best | -56.6% |
| $10,000 over 5 years | $9,520 | $17,303Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | - | Equity |
| Style | - | Large Cap Blend |
| Inception | - | May 24, 2001 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Jan 11, 2007 to Sep 15, 2026 (19.7 years).
AGGM vs VTI growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view is available from the range buttons; it is not the opening view here because over the whole period one of these two funds moves so much further than the other that its line would sit flat on the axis.
AGGM vs VTI Performance
iShares 1-10 Year U.S. Aggregate Bond ETF (AGGM) is an ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year AGGM returned -1.34% while VTI returned +15.74%. Year to date, AGGM is down 1.58% versus a gain of 11.53% for VTI.
Over three years, AGGM compounded at +3.59% per year against +20.67% for VTI; over five years the annualized figures are -0.98% and +11.59% respectively. Across the full 20-year window we track, VTI has the edge at +9.26% annualized vs +0.86%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.9% compared with 4.8% for AGGM. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -20.2% for AGGM and -56.6% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.24. They move largely independently of each other.
Holdings Overlap
At least 0.8% of VTI's money is in holdings AGGM also owns.
Stated as a floor: for AGGM, our book for it covers 68.0% of that fund, so a holding it does not list is one we cannot count as shared. The real figure is this or higher.
We cannot see either book well enough to say how much of this pair is duplicated.
6 positions in common, counted across the 1,739 positions we hold weights for in AGGM and 3,463 in VTI, against full books of 1,739 and 3,543.
Top Shared Holdings
| Stock | Weight in AGGM | Weight in VTI | Difference |
|---|---|---|---|
| GEGeneral Electric Co 6.75% 03/15/2032 | 0.01% | 0.52% | 0.51% |
| TMUST-Mobile Usa, Inc. 3.875% 15-Apr-2030 | 0.02% | 0.10% | 0.08% |
| AONAon Corp/Aon Glo 5.35 02/28/2033 | 0.00% | 0.10% | 0.10% |
| KDPKEURig Dr Pepper Inc Company Guar 04/29 3.95 | 0.01% | 0.06% | 0.05% |
| SFStifel Financial Corp 4.00% 2030-05-15 | 0.01% | 0.02% | 0.01% |
| NOVNov Inc 3.6% 12/01/2029 | 0.01% | 0.01% | 0.00% |
You are not choosing between two funds in isolation.
Whichever of AGGM and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which performed better, AGGM or VTI?
Over the past year AGGM returned -1.34% vs +15.74% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (20 years), AGGM annualized +0.86% vs +9.26% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, AGGM or VTI?
VTI has been the more volatile fund at 15.9% annualized versus 4.8% for AGGM. Worst drawdown: AGGM -20.2% vs VTI -56.6%.
Should I hold both AGGM and VTI?
AGGM and VTI have a monthly-return correlation of 0.24, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Is VTI better than AGGM?
VTI led over 1Y, 3Y, 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.