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AGG vs. SOFI
Performance
Return for Risk
Drawdowns
Volatility
Dividends

AGG vs. SOFI

Last updated Jun 9, 2026

AGG (iShares Core U.S. Aggregate Bond ETF) is Total Bond Market fund tracking the Bloomberg U.S. Aggregate Bond Index, while SOFI (SoFi Technologies, Inc.) is a stock. Over the past 5 years, AGG returned -0.03%/yr vs -6.19%/yr for SOFI. At a 0.14 correlation, their price movements are largely independent.

Performance

AGG vs. SOFI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in iShares Core U.S. Aggregate Bond ETF (AGG) and SoFi Technologies, Inc. (SOFI). The values are adjusted to include any dividend payments, if applicable.

Loading charts...

Returns By Period

In the year-to-date period, AGG achieves a -0.08% return, which is significantly higher than SOFI's -36.97% return.

AGG

1D
0.00%
1M
-0.69%
YTD
-0.08%
6M
0.26%
1Y
4.97%
3Y*
3.88%
5Y*
-0.03%
10Y*
1.52%

SOFI

1D
2.93%
1M
4.76%
YTD
-36.97%
6M
-40.24%
1Y
15.87%
3Y*
26.35%
5Y*
-6.19%
10Y*
—
*Multi-year figures are annualized to reflect compound growth (CAGR)

AGG vs. SOFI - Yearly Performance Comparison

2026 (YTD)202520242023202220212020
AGG
iShares Core U.S. Aggregate Bond ETF		-0.08%7.19%1.31%5.65%-13.02%-1.77%0.09%
SOFI
SoFi Technologies, Inc.		-36.97%70.00%54.77%115.84%-70.84%27.09%18.70%

Correlation

The correlation between AGG and SOFI is 0.14, which is low. Their price movements are largely independent, making them effective diversification partners.

Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.14

Correlation (3Y)
Calculated over the trailing 3-year period

0.15

Correlation (5Y)
Calculated over the trailing 5-year period

0.15

Correlation (All Time)
Calculated using the full available price history since Dec 1, 2020

0.14

Compare stocks, funds, or ETFs

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.

iShares Core U.S. Aggregate Bond ETF

SoFi Technologies, Inc.

Often compared with AGG:
AGG vs. BNDAGG vs. TLTAGG vs. HYGAGG vs. FBNDAGG vs. PIMIXAGG vs. IUSBAGG vs. AGGH
Often compared with SOFI:
SOFI vs. HOODSOFI vs. NUSOFI vs. VOOSOFI vs. SPYSOFI vs. OPFISOFI vs. BACSOFI vs. TSLA

Return for Risk

AGG vs. SOFI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.
AGG
AGG Risk / Return Rank: 4040
Overall Rank
AGG Sharpe Ratio Rank: 4141
Sharpe Ratio Rank
AGG Sortino Ratio Rank: 4242
Sortino Ratio Rank
AGG Omega Ratio Rank: 3939
Omega Ratio Rank
AGG Calmar Ratio Rank: 4040
Calmar Ratio Rank
AGG Martin Ratio Rank: 3838
Martin Ratio Rank
SOFI
SOFI Risk / Return Rank: 5050
Overall Rank
SOFI Sharpe Ratio Rank: 5252
Sharpe Ratio Rank
SOFI Sortino Ratio Rank: 5050
Sortino Ratio Rank
SOFI Omega Ratio Rank: 4848
Omega Ratio Rank
SOFI Calmar Ratio Rank: 5050
Calmar Ratio Rank
SOFI Martin Ratio Rank: 4949
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

AGG vs. SOFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for iShares Core U.S. Aggregate Bond ETF (AGG) and SoFi Technologies, Inc. (SOFI). 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.

AGGSOFIDifference
Sharpe ratioReturn per unit of total volatility
1.32
0.28

+1.03

Sortino ratioReturn per unit of downside risk
1.94
0.76

+1.18

Omega ratioGain probability vs. loss probability

1.23

1.09

+0.14

Calmar ratioReturn relative to maximum drawdown

1.81

0.30

+1.50

Martin ratioReturn relative to average drawdown

5.44

0.56

+4.87

Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

AGG vs. SOFI - Sharpe Ratio Comparison

The current AGG Sharpe Ratio is 1.32, which is higher than the SOFI Sharpe Ratio of 0.28. The chart below compares the historical Sharpe Ratios of AGG and SOFI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

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Sharpe Ratios by Period

AGGSOFIDifference

Sharpe Ratio (1Y)

Calculated over the trailing 1-year period

1.32

0.28

+1.03

Sharpe Ratio (5Y)

Calculated over the trailing 5-year period

-0.00

-0.09

+0.09

Sharpe Ratio (10Y)

Calculated over the trailing 10-year period

0.28

—

—

Sharpe Ratio (All Time)

Calculated using the full available price history

0.59

0.12

+0.47

Drawdowns

AGG vs. SOFI - Drawdown Comparison

The maximum AGG drawdown since its inception was -18.43%, smaller than the maximum SOFI drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for AGG and SOFI.

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Drawdown Indicators

AGGSOFIDifference

Max Drawdown

Largest peak-to-trough decline

-18.43%

-83.32%

+64.89%

Max Drawdown (1Y)

Largest decline over 1 year

-2.76%

-52.96%

+50.20%

Max Drawdown (3Y)

Largest decline over 3 years

-6.11%

-52.96%

+46.85%

Max Drawdown (5Y)

Largest decline over 5 years

-17.82%

-81.54%

+63.72%

Max Drawdown (10Y)

Largest decline over 10 years

-18.43%

—

—

Current Drawdown

Current decline from peak

-2.47%

-48.77%

+46.30%

Average Drawdown

Average peak-to-trough decline

-2.71%

-51.23%

+48.52%

Ulcer Index

Depth and duration of drawdowns from previous peaks

0.92%

28.21%

-27.29%

Volatility

AGG vs. SOFI - Volatility Comparison

The current volatility for iShares Core U.S. Aggregate Bond ETF (AGG) is 1.29%, while SoFi Technologies, Inc. (SOFI) has a volatility of 17.24%. This indicates that AGG experiences smaller price fluctuations and is considered to be less risky than SOFI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

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Volatility by Period

AGGSOFIDifference

Volatility (1M)

Calculated over the trailing 1-month period

1.29%

17.24%

-15.95%

Volatility (6M)

Calculated over the trailing 6-month period

2.77%

38.62%

-35.85%

Volatility (1Y)

Calculated over the trailing 1-year period

3.80%

56.53%

-52.73%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

6.09%

66.71%

-60.62%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

5.41%

71.97%

-66.56%

Dividends

AGG vs. SOFI - Dividend Comparison

AGG's dividend yield for the trailing twelve months is around 4.00%, while SOFI has not paid dividends to shareholders.

PositionTTM20252024202320222021202020192018201720162015
AGG
iShares Core U.S. Aggregate Bond ETF		4.00%3.89%3.74%3.13%2.39%1.77%2.14%2.70%2.72%2.32%2.39%2.45%
SOFI
SoFi Technologies, Inc.		0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Frequently Asked Questions

AGG and SOFI have a correlation of 0.14, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

SOFI has higher volatility (17.24%) compared to AGG (1.29%). In terms of maximum drawdown, AGG dropped -18.43% vs SOFI's -83.32%.

AGG currently has the higher Sharpe Ratio (1.32 vs 0.28), 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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