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BIV vs DFCF: Differences, Returns & Fees

BIV's duration was 5.9 years on Jun 30, 2026 and DFCF's 5.8 on Jul 31, 2026; BIV charges 0.03% to DFCF's 0.17%. Net assets: $28.1bn on Sep 30, 2026 for Vanguard Intermediate-Term Bond ETF, and $11.0bn on Jul 31, 2026 for Dimensional Core Fixed Income ETF.

BIV costs 0.14 points a year less; their one-year returns differ by 0.5 points.

BIVDFCF
Expense ratio0.03%0.17%
Net assets, BIV as of Sep 30, 2026 and DFCF as of Jul 31, 2026$28.1bn$11.0bn
Total return, 1 year−2.3%−1.8%
What it tracksnot read by ETFIQNo index, actively managed
Holdings in common21%
Below its high5.0%, high on Feb 27, 20264.4%, high on Feb 27, 2026

Holdings in common uses holdings dated Jun 30, 2026 and Jul 31, 2026.

−2.3%
BIV total return, 1 year
−1.8%
DFCF total return, 1 year
0.03%
BIV expense ratio
0.17%
DFCF expense ratio

What they hold in common

By the books each fund has filed, BIV and DFCF hold 21% of their money in the same securities at the same weight. Above 50%, holding both is close to holding one of them twice. Holdings dated Jun 30, 2026 and Jul 31, 2026.

half

21% in common

Positions both hold, largest shared weight first
Holding BIV DFCF
US TREASURY N/B, due Feb 15, 2032 1.60% 0.91%
US TREASURY N/B, due Nov 15, 2032 1.70% 0.89%
US TREASURY N/B, due Feb 15, 2033 1.65% 0.87%
US TREASURY N/B, due Aug 15, 2032 1.56% 0.76%
US TREASURY N/B, due May 15, 2032 1.65% 0.75%
US TREASURY N/B, due Nov 15, 2031 1.70% 0.72%
US TREASURY N/B, due Dec 31, 2032 0.68% 1.00%
US TREASURY N/B, due Aug 15, 2033 1.84% 0.65%
US TREASURY N/B, due Nov 15, 2033 2.10% 0.65%
US TREASURY N/B, due May 15, 2033 1.63% 0.61%
US TREASURY N/B, due Jan 31, 2032 0.71% 0.55%
US TREASURY N/B, due Nov 30, 2031 0.80% 0.54%
Only in BIV
US TREASURY N/B, due Feb 15, 2036 2.14%
US TREASURY N/B, due May 15, 2034 2.13%
US TREASURY N/B, due Nov 15, 2034 2.08%
US TREASURY N/B, due Feb 15, 2035 2.08%
US TREASURY N/B, due May 15, 2035 2.04%
US TREASURY N/B, due Aug 15, 2034 2.02%
US TREASURY N/B, due Aug 31, 2031 1.08%
US TREASURY N/B, due May 31, 2033 1.07%
Only in DFCF
FEDERAL NATIONAL MORTGAGE ASSOCIATION, due Aug 25, 2056 6.19%
The DFA Short Term Investment Fund 6.07%
FEDERAL NATIONAL MORTGAGE ASSOCIATION, due Aug 25, 2056 5.34%
U S TREASURY NOTE, due Jan 31, 2028 4.70%
FEDERAL NATIONAL MORTGAGE ASSOCIATION, due Aug 25, 2056 4.10%
U S TREASURY NOTE, due Oct 31, 2027 3.07%
GOVERNMENT NATIONAL MORTGAGE ASSOCIATION, due Aug 20, 2056 3.00%
U S TREASURY NOTE, due Apr 30, 2027 2.94%

Check overlap with more funds →

On the same fields

BIV
Vanguard Intermediate-Term Bond ETF
DFCF
Dimensional Core Fixed Income ETF
Where it sits Bond ETF Bond ETF
Issuer Vanguard Dimensional
What it is Tracks an index Actively managed
Total return, 1 year −2.3% −1.8%
S&P 500 over the same days +17.3% +17.3%
Gap to the S&P 500 −19.5 pts −19.0 pts
Expense ratio 0.03% 0.17%
Holdings 2347 1771
Net assets, BIV as of Sep 30, 2026 and DFCF as of Jul 31, 2026 $28.1bn $11.0bn

BIV and DFCF on the fields both publish, as of Oct 9, 2026. Source: ETFIQ.

BIV in plain words

BIV tracks an index. Over the year to Oct 9, 2026 it returned −2.3% with distributions reinvested. The prospectus expense ratio is 0.03% a year. It sat 5.0% below its high of Feb 27, 2026 on Oct 9, 2026.

DFCF in plain words

DFCF is actively managed and tracks no index. The prospectus expense ratio is 0.17% a year. It sat 4.4% below its high of Feb 27, 2026 on Oct 9, 2026.

Over the year to Oct 9, 2026 it returned −1.8% with distributions reinvested, against −1.6% for its benchmark, the Bloomberg U.S. Aggregate Bond Index.

Questions people ask

Which returned more over the last year, BIV or DFCF?
In the year to Oct 9, 2026, with distributions reinvested, BIV returned −2.3% and DFCF −1.8%.
Which is cheaper, BIV or DFCF?
BIV is cheaper, by 0.14 percentage points a year. That is about $14 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BIV vs CGCBBIV vs BNDBIV vs SCHZBIV vs SPABDFCF vs SCHZDFCF vs SPABDFCF vs JBNDDFCF vs VCRB
BIV on its own →DFCF on its own →Hold both: look the portfolio through →Rankings →Standards and sources →
Where these figures came from
BIV filings on SEC EDGAR ↗BIV prospectus with the expense ratio (SEC) ↗Vanguard page for BIV ↗DFCF filings on SEC EDGAR ↗DFCF prospectus with the expense ratio (SEC) ↗Dimensional website ↗

ETFIQ links to the documents behind every figure; a link is not an endorsement. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, BIV against DFCF, data as of Oct 9, 2026. https://etfiq.com/compare/any/biv-vs-dfcf

Open data

Free to use with attribution for figures ETFIQ computes; issuer data stays under its owner's terms.