AGGS vs IVV
AGGS vs IVV
Harbor Disciplined Bond ETF vs iShares Core S&P 500 ETF
Quick Verdict
IVV has a lower expense ratio. IVV delivered stronger 1-year returns. IVV offers more diversification with 505 holdings.
Side-by-Side Comparison
| Metric | AGGS | IVV | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $39M | $865.2B | |
| Dividend Yield | 5.19% | 1.09% | |
| Holdings | 276 | 508 | |
| YTD Return | +0.03% | +13.52% | |
| 1Y Return | +2.35% | +23.63% | |
| 3Y Return (annualized) | - | +21.26% | |
| 5Y Return (annualized) | - | +13.52% | |
| Volatility (annualized) | 4.2% | 15.1% | |
| Max Drawdown | -4.6% | -56.5% | |
| Fund Family | Harbor Funds | iShares by BlackRock (US) | |
| Category | Fixed Income | Equity | |
| Inception | May 1, 2024 | May 15, 2000 |
AGGS vs IVV Performance
Harbor Disciplined Bond ETF (AGGS) is a ETF from Harbor Funds and iShares Core S&P 500 ETF (IVV) is a ETF from iShares by BlackRock (US). Over the past year AGGS returned +2.35% while IVV returned +23.63%. Year to date, AGGS is up 0.03% versus a gain of 13.52% for IVV.
Risk: Volatility and Drawdowns
IVV has been the more volatile fund, with annualized monthly volatility of 15.1% compared with 4.2% for AGGS. 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 -4.6% for AGGS and -56.5% for IVV. 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 0.32. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
AGGS charges 0.35% per year while IVV charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, AGGS currently yields 5.19% against 1.09% for IVV.
Holdings Overlap
AGGS and IVV share 0 holdings out of 650 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, AGGS or IVV?
AGGS has an expense ratio of 0.35% while IVV charges 0.03%. IVV is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, AGGS or IVV?
Over the past year AGGS returned +2.35% vs +23.63% for IVV, so IVV leads on 1-year performance. Over the longest common window we track (2 years), AGGS annualized +5.10% vs +7.04% for IVV. Past performance does not guarantee future results.
Which is riskier, AGGS or IVV?
IVV has been the more volatile fund at 15.1% annualized versus 4.2% for AGGS. Worst drawdown: AGGS -4.6% vs IVV -56.5%.
Should I hold both AGGS and IVV?
AGGS and IVV have a monthly-return correlation of 0.32, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AGGS and IVV?
AGGS and IVV share 0 common holdings with a 0.0% weight overlap. Combined, they hold 650 unique securities.
Which pays a higher dividend, AGGS or IVV?
AGGS yields 5.19% while IVV yields 1.09%, so AGGS currently pays the higher dividend yield.
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