USRT vs. AGG
USRT (iShares Core U.S. REIT ETF) and AGG (iShares Core U.S. Aggregate Bond ETF) are both exchange-traded funds - USRT is a REIT fund tracking the FTSE NAREIT Equity REITs Index, while AGG is a Total Bond Market fund tracking the Bloomberg U.S. Aggregate Bond Index. Both are passively managed. Over the past 10 years, USRT returned 6.21%/yr vs 1.57%/yr for AGG. At a 0.06 correlation, their price movements are largely independent. USRT charges 0.08%/yr vs 0.03%/yr for AGG.
Performance
USRT vs. AGG - Performance Comparison
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Returns By Period
In the year-to-date period, USRT achieves a 12.59% return, which is significantly higher than AGG's 0.25% return. Over the past 10 years, USRT has outperformed AGG with an annualized return of 6.21%, while AGG has yielded a comparatively lower 1.57% annualized return.
USRT
- 1D
- 0.08%
- 1M
- -0.19%
- YTD
- 12.59%
- 6M
- 11.36%
- 1Y
- 15.26%
- 3Y*
- 11.53%
- 5Y*
- 4.73%
- 10Y*
- 6.21%
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%
USRT vs. AGG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
USRT iShares Core U.S. REIT ETF | 12.59% | 2.44% | 8.58% | 13.64% | -24.43% | 43.26% | -8.06% | 25.98% | -4.67% | 5.27% |
AGG iShares Core U.S. Aggregate Bond ETF | 0.25% | 7.19% | 1.31% | 5.65% | -13.02% | -1.77% | 7.48% | 8.46% | 0.09% | 3.55% |
Correlation
The correlation between USRT and AGG is 0.38, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.38 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.38 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.31 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.25 |
Correlation (All Time) Calculated using the full available price history since May 7, 2007 | 0.06 |
Over the past year, USRT and AGG have become more correlated (0.38) than their long-term average of 0.06, meaning their price movements have been converging.
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Return for Risk
USRT vs. AGG — Risk / Return Rank
USRT
AGG
USRT vs. AGG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for iShares Core U.S. REIT ETF (USRT) and iShares Core U.S. Aggregate Bond ETF (AGG). 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.
| USRT | AGG | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.19 | ||
| Sortino ratioReturn per unit of downside risk | -0.37 | ||
| Omega ratioGain probability vs. loss probability | 1.20 | 1.24 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 1.91 | 1.87 | +0.04 |
| Martin ratioReturn relative to average drawdown | 6.15 | 5.73 | +0.42 |
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
| USRT | AGG | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.15 | 1.34 | -0.19 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.25 | 0.02 | +0.24 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.29 | 0.29 | 0.00 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.18 | 0.59 | -0.41 |
Drawdowns
USRT vs. AGG - Drawdown Comparison
The maximum USRT drawdown since its inception was -69.91%, which is greater than AGG's maximum drawdown of -18.43%. Use the drawdown chart below to compare losses from any high point for USRT and AGG.
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Drawdown Indicators
| USRT | AGG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -69.91% | -18.43% | -51.48% |
Max Drawdown (1Y)Largest decline over 1 year | -8.04% | -2.76% | -5.28% |
Max Drawdown (3Y)Largest decline over 3 years | -18.70% | -6.11% | -12.59% |
Max Drawdown (5Y)Largest decline over 5 years | -31.03% | -17.82% | -13.21% |
Max Drawdown (10Y)Largest decline over 10 years | -44.38% | -18.43% | -25.95% |
Current DrawdownCurrent decline from peak | -3.01% | -2.14% | -0.87% |
Average DrawdownAverage peak-to-trough decline | -12.97% | -2.71% | -10.26% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 2.49% | 0.90% | +1.59% |
Volatility
USRT vs. AGG - Volatility Comparison
iShares Core U.S. REIT ETF (USRT) has a higher volatility of 3.92% compared to iShares Core U.S. Aggregate Bond ETF (AGG) at 1.30%. This indicates that USRT's price experiences larger fluctuations and is considered to be riskier than AGG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USRT | AGG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.92% | 1.30% | +2.62% |
Volatility (6M)Calculated over the trailing 6-month period | 9.25% | 2.74% | +6.51% |
Volatility (1Y)Calculated over the trailing 1-year period | 13.28% | 3.85% | +9.43% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 18.89% | 6.09% | +12.80% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 21.28% | 5.40% | +15.88% |
USRT vs. AGG - Expense Ratio Comparison
USRT has a 0.08% expense ratio, which is higher than AGG's 0.03% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
USRT vs. AGG - Dividend Comparison
USRT's dividend yield for the trailing twelve months is around 2.67%, less than AGG's 3.99% 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% |
USRT iShares Core U.S. REIT ETF | 2.67% | 3.07% | 2.85% | 3.18% | 3.46% | 2.27% | 3.12% | 3.34% | 5.66% | 3.44% | 3.98% | 3.59% |
Frequently Asked Questions
USRT and AGG have a correlation of 0.38, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
USRT has higher volatility (3.92%) compared to AGG (1.30%). In terms of maximum drawdown, USRT dropped -69.91% vs AGG's -18.43%.
On 10-year performance, USRT leads with 6.21% vs 1.57% for AGG. On fees, AGG is cheaper at 0.03% per year. On volatility, AGG has been the lower-risk option at 1.30%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 10-year period, USRT has performed better with a 6.21% return vs 1.57%. 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 0.08% for USRT.
AGG has the higher dividend yield at 3.99%, compared with 2.67% for USRT.
USRT is categorized as REIT, while AGG is Total Bond Market. USRT tracks FTSE NAREIT Equity REITs Index, while AGG tracks Bloomberg U.S. Aggregate Bond Index. Their fees differ too: 0.08% for USRT and 0.03% for AGG.
AGG currently has the higher Sharpe Ratio (1.34 vs 1.15), 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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