AGRH vs VTI
AGRH vs VTI
iShares Interest Rate Hedged US Aggregate Bond ETF vs Vanguard Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. VTI delivered stronger 1-year returns. VTI offers more diversification with 2783 holdings.
Side-by-Side Comparison
| Metric | AGRH | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.13% | 0.03% | |
| AUM | $8M | $663.5B | |
| Dividend Yield | 4.18% | 1.07% | |
| Holdings | 100 | 3,543 | |
| YTD Return | +2.12% | +11.83% | |
| 1Y Return | +5.43% | +21.79% | |
| 3Y Return (annualized) | +5.62% | +20.40% | |
| 5Y Return (annualized) | - | +11.96% | |
| Volatility (annualized) | 1.5% | 15.3% | |
| Max Drawdown | -1.7% | -56.6% | |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Jun 22, 2022 | May 24, 2001 |
AGRH vs VTI Performance
iShares Interest Rate Hedged US Aggregate Bond ETF (AGRH) is a ETF from iShares by BlackRock (US) and Vanguard Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year AGRH returned +5.43% while VTI returned +21.79%. Year to date, AGRH is up 2.12% versus a gain of 11.83% for VTI.
Over three years, AGRH compounded at +5.62% per year against +20.40% for VTI. Across the full 4-year window we track, VTI has the edge at +8.06% annualized vs +5.42%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 1.5% for AGRH. 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 -1.7% for AGRH and -56.6% for VTI. 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 0.70. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
AGRH charges 0.13% per year while VTI charges 0.03%. On a $10,000 position that is $13 vs $3 annually, a gap of $10 per year that compounds over a long holding period. On income, AGRH currently yields 4.18% against 1.07% for VTI.
Holdings Overlap
AGRH and VTI share 0 holdings out of 2785 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, AGRH or VTI?
AGRH has an expense ratio of 0.13% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $10 per year of difference.
Which performed better, AGRH or VTI?
Over the past year AGRH returned +5.43% vs +21.79% for VTI, so VTI leads on 1-year performance. Over the longest common window we track (4 years), AGRH annualized +5.42% vs +8.06% for VTI. Past performance does not guarantee future results.
Which is riskier, AGRH or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 1.5% for AGRH. Worst drawdown: AGRH -1.7% vs VTI -56.6%.
Should I hold both AGRH and VTI?
AGRH and VTI have a monthly-return correlation of 0.70, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between AGRH and VTI?
AGRH and VTI share 0 common holdings with a 0.0% weight overlap. Combined, they hold 2785 unique securities.
Which pays a higher dividend, AGRH or VTI?
AGRH yields 4.18% while VTI yields 1.07%, so AGRH currently pays the higher dividend yield.
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