AGG vs FINS
iShares Core US Aggregate Bond ETF vs Angel Oak Financial Strategies Income Term Trust
Which is better, AGG or FINS?
Each has led over a different period.
AGG led over the full window, FINS over 1Y, 3Y and 5Y.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | AGG | FINS |
|---|---|---|
| Expense Ratio | 0.03% | - |
| AUM | $137.6B | $434M |
| Dividend Yield | 4.19% | 10.60% |
| Holdings | 13,338 | 242 |
| YTD Return | -2.12%Best | -2.43% |
| 1Y Return | -2.06% | +0.95%Best |
| 3Y Return (annualized) | +4.55% | +10.09%Best |
| 5Y Return (annualized) | -0.53% | +2.59%Best |
| Volatility (annualized) | 5.8%Best | 10.6% |
| Max Drawdown | -18.4%Best | -41.5% |
| $10,000 over 5 years | $9,738 | $11,364Best |
| Fund Family | iShares by BlackRock (US) | Angel Oak Capital Advisors |
| Category | Fixed Income | Fixed Income |
| Inception | Sep 22, 2003 | May 29, 2019 |
Not shown on this pair: Top 10 Weight, Style.
Volatility and max drawdown are measured over the window both funds cover: May 29, 2019 to Oct 14, 2026 (7.4 years).
AGG vs FINS growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 7.4 years both funds cover.
AGG vs FINS Performance
iShares Core US Aggregate Bond ETF (AGG) is an ETF from iShares by BlackRock (US) and Angel Oak Financial Strategies Income Term Trust (FINS) is an ETF from Angel Oak Capital Advisors. Over the past year AGG returned -2.06% while FINS returned +0.95%. Year to date, AGG is down 2.12% versus a loss of 2.43% for FINS.
Over three years, AGG compounded at +4.55% per year against +10.09% for FINS; over five years the annualized figures are -0.53% and +2.59% respectively. Across the full 7-year window we track, AGG has the edge at +1.00% annualized vs +0.12%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
FINS has been the more volatile fund, with annualized monthly volatility of 10.6% compared with 5.8% for AGG. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -18.4% for AGG and -41.5% for FINS. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.34. They move together some of the time, and apart the rest.
Holdings Overlap
We hold position weights for 11,115 holdings in AGG and 63 in FINS, totalling 67.1% and 37.4% of the two funds. Neither is a share of a fund we can divide by, so no overlap percentage is shown here. Within what we can see, 20 positions appear in both.
The two holdings books were reported 62 days apart, AGG as of Oct 1, 2026 and FINS as of Jul 31, 2026, so some of the difference between them is the time between the two reports rather than the funds.
20 positions in common, counted across the 11,115 positions we hold weights for in AGG and 63 in FINS, against full books of 13,338 and 242.
Top Shared Holdings
| Stock | Weight in AGG | Weight in FINS | Difference |
|---|---|---|---|
| HBAN V5.709 02/02/35Huntington Bancshares Inc/Oh 5.709%/Var 02/02/2035 | 0.00% | 2.01% | 2.01% |
| USB V5.046 02/12/31Us Bancorp Mtn 5.05% Feb 12, 2031 | 0.00% | 1.67% | 1.67% |
| MS V5.587 01/18/36Morgan Stanley Callable Notes Variable 18/Jan/2036 5.587% 01/18/2036 | 0.01% | 1.45% | 1.44% |
| MTB V7.413 10/30/29M&T Bank Corp | 0.00% | 1.40% | 1.40% |
| BAC V5.015 07/22/33 | 0.02% | 1.32% | 1.30% |
| FITB V4.895 09/06/30Fifth Third Bancorp Sr Unsecured 09/30 Var % | 0.00% | 1.33% | 1.33% |
| WTFC 4.85 06/06/29Wintrust Financial Corporation 4.85% Jun 06, 2029 | 0.00% | 1.10% | 1.10% |
| KEY V4.789 06/01/33 | 0.00% | 1.08% | 1.08% |
| JPM V6.254 10/23/34Jpmorgan Chase + Co Sr Unsecured 10/34 Var 6.254 10/23/2034 | 0.01% | 0.93% | 0.92% |
| KEY V6.401 03/06/35Keycorp V/R 03/06/35 | 0.00% | 0.93% | 0.93% |
You are not choosing between two funds in isolation.
Whichever of AGG and FINS you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which performed better, AGG or FINS?
Over the past year AGG returned -2.06% vs +0.95% for FINS, so FINS leads on 1-year performance. Over the longest common window we track (7 years), AGG annualized +1.00% vs +0.12% for FINS. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, AGG or FINS?
FINS has been the more volatile fund at 10.6% annualized versus 5.8% for AGG. Worst drawdown: AGG -18.4% vs FINS -41.5%.
Should I hold both AGG and FINS?
AGG and FINS have a monthly-return correlation of 0.34, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, AGG or FINS?
AGG yields 4.19% while FINS yields 10.60%, so FINS currently pays the higher dividend yield.
Is FINS better than AGG?
AGG led over the full window, FINS over 1Y, 3Y and 5Y. Which one suits a particular account depends on what it is for. This is information, not a recommendation.