AGIH vs VTI
iShares Inflation Hedged US Aggregate Bond ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | AGIH | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.13% | 0.03% | |
| AUM | $2M | $666.9B | |
| Dividend Yield | 3.07% | 1.07% | |
| Holdings | 62 | 3,543 | |
| YTD Return | +4.58% | +13.14% | |
| 1Y Return | +3.92% | +22.35% | |
| 3Y Return (annualized) | +2.24% | +21.83% | |
| 5Y Return (annualized) | - | +12.01% | |
| Volatility (annualized) | 6.6% | 15.3% | |
| Max Drawdown | -9.2% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 22, 2022 | May 24, 2001 |
AGIH vs VTI Performance
iShares Inflation Hedged US Aggregate Bond ETF (AGIH) is a ETF from iShares by BlackRock (US) and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year AGIH returned +3.92% while VTI returned +22.35%. Year to date, AGIH is up 4.58% versus a gain of 13.14% for VTI.
Over three years, AGIH compounded at +2.24% per year against +21.83% for VTI. Across the full 3-year window we track, VTI has the edge at +8.09% annualized vs +2.72%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 6.6% for AGIH. 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 -9.2% for AGIH and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.75. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
AGIH charges 0.13% per year while VTI charges 0.03%. On a $10,000 position that is $13 vs $3 annually, a gap of $10 per year that compounds over a long holding period. On income, AGIH currently yields 3.07% against 1.07% for VTI.
Frequently Asked Questions
Which is cheaper, AGIH or VTI?
AGIH has an expense ratio of 0.13% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $10 per year of difference.
Which performed better, AGIH or VTI?
Over the past year AGIH returned +3.92% vs +22.35% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (3 years), AGIH annualized +2.72% vs +8.09% for VTI. Past performance does not guarantee future results.
Which is riskier, AGIH or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 6.6% for AGIH. Worst drawdown: AGIH -9.2% vs VTI -56.6%.
Should I hold both AGIH and VTI?
AGIH and VTI have a monthly-return correlation of 0.75, so combining them can provide real diversification depending on your allocation goals.
Which pays a higher dividend, AGIH or VTI?
AGIH yields 3.07% while VTI yields 1.07%, so AGIH currently pays the higher dividend yield.
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