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AGG vs SCHZ: Performance & Backtest Comparison
SCHZ delivered the higher return - 1.87% CAGR vs 1.69% - over 2011-08-31 → 2026-07-31.
Growth comparison
Drawdown
Annual returns
| AGG | SCHZ | |
|---|---|---|
| Name | iShares Core U.S. Aggregate Bond ETF | Schwab US Aggregate Bond ETF |
| CAGR | 1.69% | 1.87% |
| Total return | 28.55% | 31.94% |
| Volatility | 4.53% | 4.61% |
| Max drawdown | -20.55%Oct 2023 | -19.67%Oct 2023 |
| Sharpe | 0.05 | 0.09 |
| Sortino | 0.06 | 0.11 |
| Best year | 8.45% | 8.65% |
| Worst year | -14.64% | -14.22% |
| Final balance | $12,855 | $13,194 |
Correlation of monthly returns: 0.99. 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 SCHZ?
Over 2011-08-31 to 2026-07-31, SCHZ performed better: 1.87% annualized versus 1.69% for AGG, with dividends reinvested. Past performance does not guarantee future results.
How similar are AGG and SCHZ?
Their monthly returns have a correlation of 0.99 over the common period. AGG is iShares Core U.S. Aggregate Bond ETF; SCHZ is Schwab US Aggregate Bond ETF.
Which is riskier, AGG or SCHZ?
Over the common period AGG had 4.53% annualized volatility and a -20.55% max drawdown, versus 4.61% and -19.67% for SCHZ.