ETFs / AGG

What If You Had Invested in AGG 10 Years Ago?

iShares Core U.S. Aggregate Bond ETF (AGG) with real monthly prices, dividends reinvested, through November 2026.

By kkun · Updated November 5, 2026

AGG $96.62 ▲ +0.25% last close, Nov 05, 2026

$1,000 onceNovember 2016

If you had invested $1,000 in AGG in November 2016, today it would be worth

$1,183

Same $1,000 in the S&P 500 (SPY): $3,895

$500 every monthNovember 2016 →

If you had put $500 a month into AGG since November 2016, your $60,500 would be worth today

$64,725

Same plan in the S&P 500 (SPY): $128,888

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AGG SPY Growth of $1,000

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AGG live price chart

AGG returns by period

PeriodTotal returnPer year$1,000 becameSPY per year
Sep 01, 2026$0.3370-0.3%
Aug 03, 2026$0.3380+2.1%
Jul 01, 2026$0.3310+0.0%
Jun 01, 2026$0.3310+0.3%
May 01, 2026$0.3300-2.1%
Apr 01, 2026$0.3370+6.6%
Mar 02, 2026$0.3160-2.8%
Feb 02, 2026$0.3250-2.7%
Dec 19, 2025$0.3340+2.5%
Dec 01, 2025$0.3260-0.3%
Nov 03, 2025$0.3270+0.6%
Oct 01, 2025$0.3250—

AGG year by year

Best full year: 2019 (+8.5%). Worst: 2022 (-13.0%).

YearAGGSPYWhat happened
2026 (so far)-0.6%+8.3%
2025+7.2%+17.7%
2024+1.3%+24.9%
2023+5.7%+26.2%
2022-13.0%-18.2%The fastest rise in interest rates in decades gave the U.S. bond market its worst year on record.
2021-1.8%+28.7%
2020+7.5%+18.3%
2019+8.5%+31.2%
2018+0.3%-4.6%
2017+3.6%+21.7%
2016+2.4%+12.0%
2015+0.5%+1.2%
2014+6.0%+13.5%
2013-2.0%+32.3%
2012+3.8%+16.0%
2011+7.7%+1.9%
2010+6.4%+15.1%
2009+3.0%+26.4%
2008+7.9%-36.8%While stocks crashed, high-quality bonds held their value, which is the job they are meant to do in a portfolio.
2007+6.6%+5.1%

AGG: all at once or every month?

Take $12,000: all of it on day one, or $1,000 a month for a year. Across every starting month since 2003 (267 of them), the lump sum was ahead after 12 months in 205 (77%). The lump sum usually won, but roughly one start in 4 favored spreading it out. The best case for monthly investing was a start in December 2021, when it finished the year 9% ahead.

Worst drop

AGG's worst fall in this history was -17.1%, milder than the worst falls of most stock funds, from July 2020 to October 2022. It is still below that high today, 6.3 years later. $1,000 invested at that peak shrank to about $829 at the low.

AGG dividends

AGG paid $3.31 per share over the last 12 months, monthly. At $96.62 that is 3.42%, a moderate yield. From 2020 to 2025 the yearly payout grew +8.9% a year, well ahead of inflation. The yearly total fell in 2019, 2020, 2021. Fund payouts move around with what the holdings pay, so a lower year is not a cut in the usual sense.

YearDividends / shareChangeYield
2025$3.88+7.0%3.89%
2024$3.63+16.7%3.74%
2023$3.11+34.1%3.13%
2022$2.32+14.6%2.39%
2021$2.02-20.1%1.77%
2020$2.53-16.6%2.14%
2019$3.03-3.6%2.70%
2018$3.15+24.1%2.96%
2017$2.54-2.0%2.32%
2016$2.59-2.3%2.39%

Yield = each year’s dividends divided by the price at the end of the year.

AGG dividend history: last 12 payments

Ex-dividend dateAmountChange
Sep 01, 2026$0.3370-0.3%
Aug 03, 2026$0.3380+2.1%
Jul 01, 2026$0.3310+0.0%
Jun 01, 2026$0.3310+0.3%
May 01, 2026$0.3300-2.1%
Apr 01, 2026$0.3370+6.6%
Mar 02, 2026$0.3160-2.8%
Feb 02, 2026$0.3250-2.7%
Dec 19, 2025$0.3340+2.5%
Dec 01, 2025$0.3260-0.3%
Nov 03, 2025$0.3270+0.6%
Oct 01, 2025$0.3250—

About AGG

IssuerBlackRock (iShares)
LaunchedSeptember 2003
TracksBloomberg U.S. Aggregate
Expense ratio0.03%
HoldingsAbout 12,000 U.S. investment-grade bonds

Fund details as of 2025. Check the issuer for the current expense ratio and holdings.

AGG tracks the main benchmark for the U.S. investment-grade bond market and is practically interchangeable with BND. Its longer history, back to 2003, covers the 2008 crisis.

Bond funds like AGG have an average duration of roughly six years, which means a one-percentage-point rise in rates knocks about six percent off the price before higher interest starts to make it back.

AGG or BND?

AGG and BND are close substitutes. AGG's longer history back to 2003 lets this page show how a broad bond fund behaved in 2008, when it held its value while stocks fell by half. That role as the calm part of a portfolio is the main reason to own it, more than the yield.

Questions about AGG

How much would $10,000 invested in AGG 20 years ago be worth today?

About $17,648 with dividends reinvested, invested at the November 2006 close: 76.5% in total, or 2.9% a year.

When does AGG pay dividends?

In the last 12 months the payments went out every month, $3.31 per share in total.

Did AGG beat the S&P 500?

No. Over the last 20 years it trailed by 7.7 percentage points a year: +2.9% a year for AGG against +10.6% for SPY, dividends reinvested. Its worst fall was milder than SPY's over the same history (-17.1% against -50.8%).

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