AGG vs VCLT: Performance, Holdings, Fees & Risk
AGG and VCLT are ETFs, but they can differ materially in exposure, yield, fees and risk. AGG is iShares Core U.S. Aggregate Bond ETF, while VCLT is Vanguard Long-Term Corporate Bond ETF. AGG is broader by holdings count, with 13,395 positions versus 2,745 for VCLT. Current AlgovestIQ evidence has AGG ahead on AIQ Score, 64 versus 56.
What is the main difference between AGG and VCLT?
AGG holds 13,395 positions to VCLT's 2,745, and 7% of their weight is in the same securities.
| Metric | AGG | VCLT |
|---|---|---|
| Fund | ||
| Expense ratio | 0.03% | 0.03% |
| Holdings | 13,395 | 2,745 |
| Top-10 concentration | 3.8% | 2.6% |
| Distribution yieldTrailing 12 months | 4.16% | 5.92% |
| Average volume | 9,555,111 | 5,024,127 |
| Performance | ||
| 1Y return | -5.8% | -11.2% |
| YTD return | -4.6% | -8% |
| 5Y annualized returnTotal return, distributions reinvested | -0.3% | -3.3% |
| Risk | ||
| Annualized volatility | 4.2% | 8.4% |
| Max drawdown (1Y) | -7.2% | -14% |
| Max drawdown (5Y)Total return, distributions reinvested | -17.3% | -34.2% |
| Beta | 0.14 | 0.30 |
| Sharpe ratio | -2.29 | -1.82 |
| Sortino ratio | -3.19 | -2.55 |
| AlgovestIQ | ||
| AIQ Score | 64/100 | 56/100 |
| AIQ Edge Score | 9/10 | 6/10 |
| Momentum | 55/100 | 57/100 |
| Risk Resilience | 93/100 | 55/100 |
AlgovestIQ AIQ Comparison
iShares Core U.S. Aggregate Bond ETF vs Vanguard Long-Term Corporate Bond ETF
AGG leads
AGG leads by 8 AIQ points, primarily on Risk Resilience and Quality.
Competitive: 3 of 4 evidence groups support AGG, and its current signal state is conflicted.
iShares Core U.S. Aggregate Bond ETF
Vanguard Long-Term Corporate Bond ETF
The Algovestiq AIQ Score currently favors AGG over VCLT, 64 versus 56 as of Oct 21, 2026. AGG's advantage is driven primarily by stronger risk resilience and quality. AGG also shows the stronger technical structure relative to its 50-day moving average. 3 of 4 covered evidence groups favor AGG today, and the comparison is rated Competitive on stability: the leader is throwing conflicting signals. AGG lead: Stable — the AIQ differential has held near 8 points over 30 sessions.
Compare iShares Core U.S. Aggregate Bond ETF and Vanguard Long-Term Corporate Bond ETF across performance, expense ratio, dividend yield, drawdown, volatility and the Algovestiq AIQ Score.
AGG vs VCLT: which fits what
Each row is settled by a single measure. Where the gap is too small to matter it reads Similar, and no row decides the comparison as a whole.
| If you want | AGG | VCLT | Fits |
|---|---|---|---|
| Lower costExpense ratio | 0.03% | 0.03% | Similar |
| Broader diversificationNumber of holdings | 13,395 | 2,745 | AGG |
| Lower concentrationWeight of the 10 largest holdings | 3.8% | 2.6% | Similar |
| Higher incomeTrailing 12-month distribution yield | 4.16% | 5.92% | VCLT |
| Smaller drawdownsMax drawdown, 5 years | -17.3% | -34.2% | AGG |
| Lower volatilityAnnualized volatility, 1 year | 4.2% | 8.4% | AGG |
Similar means the gap is within 0.01 percentage points of expense ratio, 25% more holdings, 3 points of top-10 weight, 0.2 points of yield, 2 points of drawdown or 1 point of volatility. Past drawdowns and volatility describe the funds’ history, not their future.
Performance over time
Total return with distributions reinvested, from daily closes for both ETFs.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare AGG and VCLT against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience93 vs 55AGG +38
- Quality75 vs 65AGG +10
- Momentum55 vs 57Even
- Value45 vs 45Even
3 of 4 evidence groups favor AGG. AGG’s edge is concentrated in risk resilience and quality.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +3
No signal started or stopped since the prior session; its 6 active signals are unchanged.
Largest factor move: Momentum +8
No signal started or stopped since the prior session; its 6 active signals are unchanged.
AGG's lead narrowed by 1 AIQ point in the latest session.
Deeper signal detail for each name lives on its own signals page — AGG and VCLT both carry a full feed there.
Fund facts, side by side
Two funds tracking overlapping universes are separated by cost and risk far more than by holdings. Those lead here.
| Measure | AGG | VCLT | Why it matters |
|---|---|---|---|
| Expense ratio | 0.03% | 0.03% | Lower is better — it compounds against you every year you hold. |
| Holdings | 13,395 | 2,745 | More holdings means broader diversification, not better returns. |
| Average volume | 9,555,111 | 5,024,127 | Liquidity — matters most if you trade size. |
| Annualized volatility | 4.2% | 8.4% | Lower is a steadier ride for the same exposure. |
| Max drawdown (1Y) | -7.2% | -14% | The worst peak-to-trough loss over the past year. |
| Sharpe ratio | -2.29 | -1.82 | Return per unit of risk. Higher is better. |
| Beta | 0.14 | 0.30 | Sensitivity to the broad market. Neither direction is better — it depends on the role in your portfolio. |
Where the exposure actually sits
Sector exposure for each fund, ordered by the size of the difference.
How much of the same holdings they own
AGG and VCLT share 6.56% of their weighted exposure across 2,709 common holdings.
10,651 holdings are unique to AGG, and 31 holdings are unique to VCLT. Owning both is genuinely additive — most of the capital sits in different securities.
AGG is the more concentrated of the two: its ten largest positions are 3.79% of the fund, against 2.61% for VCLT (13,395 holdings vs 2,745). Concentration cuts both ways — it is what drives outperformance when the top names work, and what makes the drawdown deeper when they do not.
Largest shared positions
| Holding | AGG | VCLT | Shared |
|---|---|---|---|
| TREASURY NOTE (OLD) 4.38% 05/15/2036 | 0.39% | 0.14% | 0.14% |
| TREASURY BOND (OLD) 5.00% 05/15/2046 | 0.07% | 0.04% | 0.04% |
| Comcast Corp 5.17% 01/15/2037 | 0.03% | 0.06% | 0.03% |
| Space Exploration Technologies Corp 5.88% 07/15/2036 | 0.02% | 0.03% | 0.02% |
| Boeing Co/The 5.80% 05/01/2050 | 0.02% | 0.26% | 0.02% |
| Goldman Sachs Group Inc/The 5.54% 01/21/2047 | 0.02% | 0.14% | 0.02% |
| Goldman Sachs Group Inc/The 6.75% 10/01/2037 | 0.02% | 0.22% | 0.02% |
| Pfizer Investment Enterprises Pte Ltd 5.30% 05/19/2053 | 0.02% | 0.22% | 0.02% |
Shared weight is the lower of the two positions — the portion of capital both funds genuinely have in the same security.
What AGG adds that VCLT doesn’t
| Holding | AGG | VCLT |
|---|---|---|
| TREASURY NOTE (OLD) 4.38% 05/15/2036 | 0.39% | 0.14% |
| TREASURY NOTE 4.63% 02/15/2035 | 0.39% | Not held |
| TREASURY NOTE 4.25% 11/15/2034 | 0.39% | Not held |
| TREASURY NOTE 4.38% 05/15/2034 | 0.38% | Not held |
| TREASURY NOTE 4.00% 02/28/2030 | 0.38% | Not held |
| TREASURY NOTE 3.88% 08/15/2034 | 0.37% | Not held |
What VCLT adds that AGG doesn’t
| Holding | VCLT | AGG |
|---|---|---|
| Anheuser-Busch Cos LLC / Anheuser-Busch InBev Worldwide Inc 4.90 | 0.37% | 0.02% |
| CVS Health Corp 5.05% 03/25/2048 | 0.33% | 0.02% |
| Meta Platforms Inc 5.63% 11/15/2055 | 0.28% | 0.01% |
| Boeing Co/The 5.80% 05/01/2050 | 0.26% | 0.02% |
| CVS Health Corp 4.78% 03/25/2038 | 0.24% | 0.01% |
| AT&T Inc 3.55% 09/15/2055 | 0.24% | 0.01% |
Each list is a fund’s largest positions by weight that the other fund does not hold, or holds at less than half the weight.
AIQ Agreement Matrix
3 of 4 covered evidence groups favor AGG. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | AGG | 64 vs 56 |
| Fundamentals | Not covered | Not covered |
| Valuation | Even | Value 45 vs 45 |
| Technicals | AGG | Price vs 50-day -0.8% vs -1.1%; vs 200-day -3.2% vs -5.6% |
| Risk Resilience | AGG | Risk Resilience 93 vs 55 |
| Analyst expectations | Not covered | Not covered |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of AGG and VCLT and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is moderate at 8 points.
- The lead has been steady session to session. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on AGG.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20AGG lead: Stable — the AIQ differential has held near 8 points over 30 sessions.
- Today
- AGG +8
- 64 vs 56
- 7 sessions ago
- AGG +9
- 62 vs 53
- 30 sessions ago
- AGG +9
- 56 vs 47
- 90 sessions ago
- AGG +10
- 58 vs 48
The lead has not changed hands in this window.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
AGG and VCLT carry the same 6 signals, so the signals do not separate them: Bollinger Band Squeeze, Death Cross Active, ATR Contraction - Coiling, 52-Week Low Proximity, Downtrend Structure Active, MACD Bullish Crossover.
AGG leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.03%, AIQ +1 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.07%, AIQ +2 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1VCLT closes the Risk Resilience gap — currently 38 points behind, the largest single contributor to AGG's edge.
- 2VCLT's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3AGG's conflicting signal state resolves bearish — it currently carries 1 bullish and 3 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Performance
AGG leads 5 of 6 windows| Metric | AGG | VCLT |
|---|---|---|
| 1 week (5 sessions) | 0.6% | 1.3% |
| 1 month (20 sessions) | -1% | -2.7% |
| 3 months (63 sessions) | -2.4% | -4% |
| 6 months (126 sessions) | -4.2% | -7.4% |
| Year to date | -4.6% | -8% |
| 1 year (252 sessions) | -5.8% | -11.2% |
Technicals
AGG has the stronger structure| Metric | AGG | VCLT |
|---|---|---|
| RSI (14) | 65.7 | 67.8 |
| ADX (14) | 30.9 | 27.7 |
| Price vs 50-day | -0.8% | -1.1% |
| Price vs 200-day | -3.2% | -5.6% |
| Volatility (1M, annualized) | 5.1% | 10.5% |
Risk
AGG is the more resilient| Metric | AGG | VCLT |
|---|---|---|
| Beta | 0.14 | 0.3 |
| Sharpe ratio | -2.29 | -1.82 |
| Sortino ratio | -3.19 | -2.55 |
| Max drawdown | -7.2% | -14% |
| Current drawdown | -6% | -11.9% |
| Annualized volatility | 4.2% | 8.4% |
| Value at risk (95%) | -0.5% | -0.9% |
Straight answers
Short answers to the questions fund investors ask about this pair, from the figures above.
What is the difference between AGG and VCLT?
AGG holds 13,395 positions to VCLT's 2,745, and 7% of their weight is in the same securities.
How much do AGG and VCLT overlap?
AGG and VCLT share 6.56% of their weighted exposure across 2,709 common holdings. 10,651 holdings are unique to AGG, and 31 holdings are unique to VCLT. Owning both is genuinely additive — most of the capital sits in different securities.
Which ETF is more diversified, AGG or VCLT?
AGG holds more positions: 13,395 versus 2,745 for VCLT.
Which has the lower expense ratio?
Neither: both charge 0.03% a year.
Which ETF has the higher distribution yield?
VCLT, with a trailing 12-month distribution yield of 5.92% against 4.16% for AGG.
Which ETF has been more volatile?
VCLT has been more volatile over the past year, at 8.4% annualized against 4.2% for AGG.
Which ETF has had the smaller drawdown?
AGG fell less from peak to trough over the past five years: -17.3% against -34.2% for VCLT.
Compare AGG and VCLT with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.