AGG vs. BINC
AGG (iShares Core U.S. Aggregate Bond ETF) and BINC (iShares Flexible Income Active ETF) are both exchange-traded funds - AGG is a Total Bond Market fund tracking the Bloomberg U.S. Aggregate Bond Index, while BINC is a Multisector Bonds fund actively managed by iShares. AGG is passively managed, while BINC is actively managed. Over the past 3 years, AGG returned 3.95%/yr vs 7.02%/yr for BINC. A 0.79 correlation means they provide meaningful diversification when combined. AGG charges 0.03%/yr vs 0.40%/yr for BINC.
Performance
AGG vs. BINC - Performance Comparison
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Returns By Period
In the year-to-date period, AGG achieves a 0.25% return, which is significantly lower than BINC's 0.90% return.
AGG
- 1D
- -0.21%
- 1M
- 0.24%
- YTD
- 0.25%
- 6M
- 0.09%
- 1Y
- 5.14%
- 3Y*
- 3.95%
- 5Y*
- 0.10%
- 10Y*
- 1.57%
BINC
- 1D
- -0.12%
- 1M
- 0.54%
- YTD
- 0.90%
- 6M
- 1.22%
- 1Y
- 5.80%
- 3Y*
- 7.02%
- 5Y*
- —
- 10Y*
- —
AGG vs. BINC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | |
|---|---|---|---|---|
AGG iShares Core U.S. Aggregate Bond ETF | 0.25% | 7.19% | 1.31% | 3.43% |
BINC iShares Flexible Income Active ETF | 0.90% | 7.57% | 5.76% | 7.08% |
Correlation
The correlation between AGG and BINC is 0.83, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.83 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.79 |
Correlation (All Time) Calculated using the full available price history since May 24, 2023 | 0.79 |
The correlation between AGG and BINC has been stable across timeframes, ranging from 0.79 to 0.83 - a consistent structural relationship.
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Return for Risk
AGG vs. BINC — Risk / Return Rank
AGG
BINC
AGG vs. BINC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for iShares Core U.S. Aggregate Bond ETF (AGG) and iShares Flexible Income Active ETF (BINC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| AGG | BINC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.21 | ||
| Sortino ratioReturn per unit of downside risk | -1.72 | ||
| Omega ratioGain probability vs. loss probability | 1.24 | 1.51 | -0.27 |
| Calmar ratioReturn relative to maximum drawdown | 1.87 | 2.17 | -0.30 |
| Martin ratioReturn relative to average drawdown | 5.73 | 8.53 | -2.80 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| AGG | BINC | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.34 | 2.56 | -1.21 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.02 | — | — |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.29 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.59 | 2.36 | -1.77 |
Drawdowns
AGG vs. BINC - Drawdown Comparison
The maximum AGG drawdown since its inception was -18.43%, which is greater than BINC's maximum drawdown of -2.69%. Use the drawdown chart below to compare losses from any high point for AGG and BINC.
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Drawdown Indicators
| AGG | BINC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.43% | -2.69% | -15.74% |
Max Drawdown (1Y)Largest decline over 1 year | -2.76% | -2.69% | -0.07% |
Max Drawdown (3Y)Largest decline over 3 years | -6.11% | -2.69% | -3.42% |
Max Drawdown (5Y)Largest decline over 5 years | -17.82% | — | — |
Max Drawdown (10Y)Largest decline over 10 years | -18.43% | — | — |
Current DrawdownCurrent decline from peak | -2.14% | -0.49% | -1.65% |
Average DrawdownAverage peak-to-trough decline | -2.71% | -0.36% | -2.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.90% | 0.68% | +0.22% |
Volatility
AGG vs. BINC - Volatility Comparison
iShares Core U.S. Aggregate Bond ETF (AGG) has a higher volatility of 1.30% compared to iShares Flexible Income Active ETF (BINC) at 0.75%. This indicates that AGG's price experiences larger fluctuations and is considered to be riskier than BINC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| AGG | BINC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.30% | 0.75% | +0.55% |
Volatility (6M)Calculated over the trailing 6-month period | 2.74% | 1.84% | +0.90% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.85% | 2.28% | +1.57% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.09% | 3.00% | +3.09% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.40% | 3.00% | +2.40% |
AGG vs. BINC - Expense Ratio Comparison
AGG has a 0.03% expense ratio, which is lower than BINC's 0.40% expense ratio.
Dividends
AGG vs. BINC - Dividend Comparison
AGG's dividend yield for the trailing twelve months is around 3.99%, less than BINC's 5.86% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AGG iShares Core U.S. Aggregate Bond ETF | 3.99% | 3.89% | 3.74% | 3.13% | 2.39% | 1.77% | 2.14% | 2.70% | 2.72% | 2.32% | 2.39% | 2.45% |
BINC iShares Flexible Income Active ETF | 5.86% | 5.86% | 6.14% | 3.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
AGG and BINC have a correlation of 0.83, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
AGG has higher volatility (1.30%) compared to BINC (0.75%). In terms of maximum drawdown, AGG dropped -18.43% vs BINC's -2.69%.
On 3-year performance, BINC leads with 7.02% vs 3.95% for AGG. On fees, AGG is cheaper at 0.03% per year. On volatility, BINC has been the lower-risk option at 0.75%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 3-year period, BINC has performed better with a 7.02% return vs 3.95%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
AGG is cheaper with a 0.03% expense ratio, compared with 0.40% for BINC.
BINC has the higher dividend yield at 5.86%, compared with 3.99% for AGG.
AGG is categorized as Total Bond Market, while BINC is Multisector Bonds. Their fees differ too: 0.03% for AGG and 0.40% for BINC.
BINC currently has the higher Sharpe Ratio (2.56 vs 1.34), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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