vs
AGG vs BIL: Performance & Backtest Comparison
AGG delivered the higher return - 1.88% CAGR vs 1.03% - over 2007-06-30 → 2026-07-31.
Growth comparison
Drawdown
Annual returns
| AGG | BIL | |
|---|---|---|
| Name | iShares Core U.S. Aggregate Bond ETF | State Street SPDR Bloomberg 1-3 Month T-Bill ETF |
| CAGR | 1.88% | 1.03% |
| Total return | 43.03% | 21.79% |
| Volatility | 4.60% | 0.49% |
| Max drawdown | -20.55%Oct 2023 | -0.42%Oct 2015 |
| Sharpe | 0.12 | -1.01 |
| Sortino | 0.16 | -1.00 |
| Best year | 8.45% | 4.15% |
| Worst year | -14.64% | -0.13% |
| Final balance | $14,303 | $12,179 |
Correlation of monthly returns: 0.07. Wondering if you need both? Check their fund overlap →
All figures are total returns: every dividend and distribution is reinvested on its ex-date, and prices are split-adjusted. See the methodology.
Frequently asked questions
Which has performed better, AGG or BIL?
Over 2007-06-30 to 2026-07-31, AGG performed better: 1.88% annualized versus 1.03% for BIL, with dividends reinvested. Past performance does not guarantee future results.
How similar are AGG and BIL?
Their monthly returns have a correlation of 0.07 over the common period. AGG is iShares Core U.S. Aggregate Bond ETF; BIL is State Street SPDR Bloomberg 1-3 Month T-Bill ETF.
Which is riskier, AGG or BIL?
Over the common period AGG had 4.60% annualized volatility and a -20.55% max drawdown, versus 0.49% and -0.42% for BIL.