FXNAX or AGG — which is better?

FXNAX is the cheaper fund (0.025% vs 0.03% expense ratio). Over the last five years AGG returned more (-0.85% vs -1.18%, total return). Their portfolios overlap by about 11% of weight. FXNAX and AGG on the same index — a mutual fund priced once a day against an ETF traded all day: the fee, the tracking and the minimum.

How much do FXNAX and AGG overlap?

FXNAX and AGG overlap by about 11% of portfolio weight, sharing 339 holdings (per each fund's latest SEC N-PORT filing, weights rolled forward to today).

Is ChartRow affiliated with any of these funds?

No. ChartRow is independent and not affiliated with, sponsored by, or endorsed by Fidelity, BlackRock. Comparisons are derived independently from public SEC filings and market data; not investment advice.

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FXNAX vs AGG (2026)

FXNAX

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AGG

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Fidelity U.S. Bond Index Fund and iShares Core U.S. Aggregate Bond ETF side by side. FXNAX is the cheaper fund (0.025% vs 0.03% expense ratio). Over the last five years AGG returned more (-0.85% vs -1.18%, total return). Their portfolios overlap by about 11% of weight. Not investment advice.

Fund facts#

Data provided bySource: Twelve Data

Returns as of market close, Oct 30, 2026. The charts run through the Oct 30 close.

	FXNAX	AGG
Focus	Bond Funds	Aggregate Bonds
Expense ratio	0.025%	0.03%
AUM	$69.5B	$138.3B
Distribution yield	—	4.17%
Holdings	811	1392
1M total	+2.1%	+2.3%
YTD total	-0.8%	-0.6%
1Y total	-0.2%	-0.3%
3Y total	+17.0%	+17.0%
5Y total	-1.2%	-0.8%
10Y total	—	+15.2%
3Y total CAGR	+5.4%/yr	+5.4%/yr
5Y total CAGR	-0.2%/yr	-0.2%/yr
10Y total CAGR	—	+1.4%/yr
Issuer	Fidelity	BlackRock
Inception	—	2003-09-22

All returns are total returns (dividends reinvested), through the latest price during the session. CAGR = compound annual growth rate. '—' means the fund's history doesn't span the horizon. A mutual fund's AUM is its whole fund's, every share class together (its SEC filing); an ETF's is its own. Returns run to Oct 30, 2026, the last month-end, as fund companies report a mutual fund's: a fund that pays monthly books each month's income on its last business day, so a return to a later day would leave that month's income out.

Annualized returns (CAGR)#

Data provided bySource: Twelve Data

FXNAXAGG

-0.8%-0.8%+2.8%+2.8%+5.3%+5.3%-0.2%-0.2%+1.4%+1.8%+2.9%1Ysince 10/20/252Ysince 10/21/243Ysince 10/23/235Ysince 10/25/2110Ysince 10/24/1615Ysince 10/24/1120Ysince 10/23/06

−1%0%+1%+2%+3%+4%+5%+6%

Compound annual growth rate per holding period, total return, from weekly adjusted closes. Horizons a fund's history can't span show no bar; horizons no fund spans are omitted.

Performance, rebased#

Data provided bySource: Twelve Data

Total return, rebased to 0% · FXNAX vs AGG

−4%−3%−2%−1%0%+1%+2%2026FebMarAprMayJunJulAugSepOctNov

FXNAX-1.9%AGG-1.4%

Nov 12, 2026

FXNAX-1.9%

AGG-1.4%

Returns by year#

Data provided bySource: Twelve Data

Year	FXNAX	AGG
2017	—	+3.6%
2018	—	+0.1%
2019	—	+8.5%
2020	+7.8%	+7.5%
2021	-1.8%	-1.8%
2022	-13.0%	-13.0%
2023	+5.6%	+5.7%
2024	+1.3%	+1.3%
2025	+7.1%	+7.2%
2026 YTD	-0.8%	-0.6%

Total returns (dividends reinvested), calendar years.

Returns by year, charted#

FXNAXAGG

+3.6%+0.1%+8.5%+7.8%+7.5%-1.8%-1.8%-13.0%-13.0%+5.6%+5.7%+1.3%+1.3%+7.1%+7.2%-0.8%-0.6%2017201820192020202120222023202420252026 YTD

−15%−10%−5%0%+5%+10%

Holdings overlap#

FXNAX and AGG overlap by about 11% of portfolio weight — 339 shared holdings out of 811 in FXNAX and 1392 in AGG, from each fund's latest SEC filing (Aug 31, 2026 / Aug 31, 2026).

Only in FXNAX

UST NOTES (36.1%), FNMA GTD MTG PASS THRU CTF (9.2%), UNITED STATES TREASURY BOND (8.9%), FED HOME LOAN MTG CORP - GOLD (7.6%), GNMA II GTD PASS THRU CTF MULTIPLE ISSUER (4.6%) and 467 more.

Only in AGG

United States Treasury (45.2%), Fannie Mae (9.6%), Freddie Mac (6.2%), Government National Mortgage Association (5.5%), BLACKROCK CASH FUNDS (3.0%) and 1048 more.

Top 10 holdings, side by side#

FXNAXAGG

0.0%45.2%36.1%0.0%0.0%9.6%9.2%0.0%8.9%0.0%7.6%0.0%0.0%6.2%0.0%5.5%4.6%0.0%0.0%3.0%United States Treas…UST NOTESFannie MaeFNMA GTD MTG PASS T…UNITED STATES TREAS…FED HOME LOAN MTG C…Freddie MacGovernment National…GNMA II GTD PASS TH…BLACKROCK CASH FUNDS

0%10%20%30%40%50%

Merged top 10 across the funds — each column is the holding's % of that fund.

Growth from any starting date#

Data provided bySource: Twelve Data

Hover to move the starting point — every fund rebases to 1× at that date, so the comparison holds from any entry point back to 2019 (the earliest date all 2 funds existed). Log scale, weekly total returns.

0.5×1×2×rebased: Jul 2019

FXNAX1.1×AGG1.1×

Rebase at

Hover anywhere to rebase every line to 1× at that date and compare growth from that point — or pick a year above, which is the same thing with an address. Log scale.

Fund flows#

Period	FXNAX	AGG
Aug 2026	+$676.9M	+$1.2B
Jul 2026	+$758.8M	+$543.1M
Jun 2026	+$184.4M	+$2.5B
May 2026	—	+$1.1B
Apr 2026	—	−$3B
Mar 2026	—	+$1.2B

Net creations minus redemptions, derived from consecutive SEC N-PORT filings. The form only exists since mid-2019.

Fund flows, charted#

FXNAXAGG

+$4.2B+$12.4B+$9.9B+$4.2B+$16.7B+$21B+$11.9B+$1.6B+$7.3B20192020202120222023202420252026 YTD

$0$5B$10B$15B$20B$25B

Methodology#

Returns are total returns (dividends reinvested) from daily adjusted closes. Holdings, overlap, sector weights and flows derive from each fund's public SEC filings (Form N-PORT), anchored on the latest filing and rolled forward daily by price moves. Overlap is the sum of the smaller weight across shared holdings. See each fund's full holdings: FXNAX holdings · AGG holdings. Past performance does not predict future returns; not investment advice.

FAQ#

FXNAX or AGG — which is better?: FXNAX is the cheaper fund (0.025% vs 0.03% expense ratio). Over the last five years AGG returned more (-0.85% vs -1.18%, total return). Their portfolios overlap by about 11% of weight. FXNAX and AGG on the same index — a mutual fund priced once a day against an ETF traded all day: the fee, the tracking and the minimum.
How much do FXNAX and AGG overlap?: FXNAX and AGG overlap by about 11% of portfolio weight, sharing 339 holdings (per each fund's latest SEC N-PORT filing, weights rolled forward to today).
Is ChartRow affiliated with any of these funds?: No. ChartRow is independent and not affiliated with, sponsored by, or endorsed by Fidelity, BlackRock. Comparisons are derived independently from public SEC filings and market data; not investment advice.