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AGG vs BIL: Performance & Backtest Comparison
AGG delivered the higher return - 3.23% CAGR vs 1.36% - over 2007-06-30 → 2026-06-30.
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 | 3.23% | 1.36% |
| Total return | 83.38% | 29.44% |
| Volatility | 4.63% | 0.56% |
| Max drawdown | -17.14%Oct 2022 | -0.42%Oct 2015 |
| Sharpe | 0.40 | -0.39 |
| Sortino | 0.57 | -0.60 |
| Best year | 8.80% | 5.19% |
| Worst year | -13.02% | -0.13% |
| Final balance | $18,338 | $12,944 |
Correlation of monthly returns: 0.05. 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 2026-06-30, AGG performed better: 3.23% annualized versus 1.36% 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 0.05 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 4.63% annualized volatility and a -17.14% max drawdown, versus 0.56% and -0.42% for BIL.