AGGH vs SPY
AGGH vs SPY
Simplify Aggregate Bond ETF vs State Street SPDR S&P 500 ETF Trust
Quick Verdict
SPY has a lower expense ratio. SPY delivered stronger 1-year returns. SPY offers more diversification with 503 holdings.
Side-by-Side Comparison
| Metric | AGGH | SPY | Winner |
|---|---|---|---|
| Expense Ratio | 0.30% | 0.09% | |
| AUM | $579M | $789.1B | |
| Dividend Yield | 7.51% | 1.01% | |
| Holdings | 11 | 505 | |
| YTD Return | +0.33% | +13.28% | |
| 1Y Return | +3.62% | +23.94% | |
| 3Y Return (annualized) | +4.81% | +21.07% | |
| 5Y Return (annualized) | - | +13.27% | |
| Volatility (annualized) | 7.1% | 15.3% | |
| Max Drawdown | -13.3% | -56.5% | |
| Fund Family | Simplify Exchange Traded Funds | State Street Investment Management | |
| Category | Fixed Income | Equity | |
| Inception | Feb 14, 2022 | Jan 22, 1993 |
AGGH vs SPY Performance
Simplify Aggregate Bond ETF (AGGH) is a ETF from Simplify Exchange Traded Funds and State Street SPDR S&P 500 ETF Trust (SPY) is a ETF from State Street Investment Management. Over the past year AGGH returned +3.62% while SPY returned +23.94%. Year to date, AGGH is up 0.33% versus a gain of 13.28% for SPY.
Over three years, AGGH compounded at +4.81% per year against +21.07% for SPY. Across the full 5-year window we track, SPY has the edge at +8.84% annualized vs +2.15%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SPY has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 7.1% for AGGH. 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 -13.3% for AGGH and -56.5% for SPY. 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 0.44. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AGGH charges 0.30% per year while SPY charges 0.09%. On a $10,000 position that is $30 vs $9 annually, a gap of $21 per year that compounds over a long holding period. On income, AGGH currently yields 7.51% against 1.01% for SPY.
Holdings Overlap
AGGH and SPY share 0 holdings out of 505 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, AGGH or SPY?
AGGH has an expense ratio of 0.30% while SPY charges 0.09%. SPY is the cheaper option. On a $10,000 investment, that is $21 per year of difference.
Which performed better, AGGH or SPY?
Over the past year AGGH returned +3.62% vs +23.94% for SPY, so SPY leads on 1-year performance. Over the longest common window we track (5 years), AGGH annualized +2.15% vs +8.84% for SPY. Past performance does not guarantee future results.
Which is riskier, AGGH or SPY?
SPY has been the more volatile fund at 15.3% annualized versus 7.1% for AGGH. Worst drawdown: AGGH -13.3% vs SPY -56.5%.
Should I hold both AGGH and SPY?
AGGH and SPY have a monthly-return correlation of 0.44, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AGGH and SPY?
AGGH and SPY share 0 common holdings with a 0.0% weight overlap. Combined, they hold 505 unique securities.
Which pays a higher dividend, AGGH or SPY?
AGGH yields 7.51% while SPY yields 1.01%, so AGGH currently pays the higher dividend yield.
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