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BIV vs FLCB: Differences, Returns & Fees

On Jun 30, 2026 BIV's duration was 5.9 years and FLCB's 5.8; BIV charges 0.03% to FLCB's 0.15%. Net assets: $28.1bn on Sep 30, 2026 for Vanguard Intermediate-Term Bond ETF, and $3.1bn on Oct 9, 2026 for Franklin U.S. Core Bond ETF.

BIV costs 0.12 points a year less; their one-year returns differ by 0.6 points.

BIVFLCB
Expense ratio0.03%0.15%
Net assets, BIV as of Sep 30, 2026 and FLCB as of Oct 9, 2026$28.1bn$3.1bn
Total return, 1 year−2.3%−1.7%
What it tracksnot read by ETFIQNo index, actively managed
Holdings in common5%
Below its high5.0%, high on Feb 27, 20265.0%, high on Aug 4, 2020

Holdings in common uses holdings dated Jun 30, 2026.

−2.3%
BIV total return, 1 year
−1.7%
FLCB total return, 1 year
0.03%
BIV expense ratio
0.15%
FLCB expense ratio

What they hold in common

By the books each fund has filed, BIV and FLCB hold 5% 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.

half

5% in common

Positions both hold, largest shared weight first
Holding BIV FLCB
US TREASURY N/B, due Aug 15, 2035 2.04% 0.56%
US TREASURY N/B, due Apr 30, 2033 0.48% 3.04%
US TREASURY N/B, due May 15, 2036 0.79% 0.28%
US TREASURY N/B, due Aug 15, 2032 1.56% 0.09%
BOEING CO/THE, due May 1, 2034 0.08% 0.18%
GOLDMAN SACHS GP, due Jul 21, 2032 0.07% 0.18%
AMGEN INC, due Mar 2, 2033 0.07% 0.11%
T-MOBILE USA INC, due Jul 15, 2033 0.07% 0.16%
AMAZON.COM INC, due Mar 13, 2036 0.13% 0.06%
NVIDIA CORP, due Jun 15, 2036 0.06% 0.08%
META PLATFORMS, due May 15, 2036 0.10% 0.06%
HONEYWELL AEROSP, due Mar 16, 2036 0.06% 0.07%
Only in BIV
US TREASURY N/B, due Feb 15, 2036 2.14%
US TREASURY N/B, due Feb 15, 2034 2.14%
US TREASURY N/B, due May 15, 2034 2.13%
US TREASURY N/B, due Nov 15, 2033 2.10%
US TREASURY N/B, due Aug 15, 2031 2.10%
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%
Only in FLCB
T 3.25 06/30/27, due Jun 30, 2027 3.16%
FNMA-30YR, due Aug 15, 2056 2.73%
FNMA-30YR, due Aug 15, 2056 2.13%
T 1.375 12/31/28, due Dec 31, 2028 2.04%
FNMA-30YR, due Aug 15, 2056 2.04%
T 4.125 07/31/28, due Jul 31, 2028 1.93%
FNMA-30YR, due Aug 15, 2056 1.64%
FNMA-30YR, due Aug 15, 2056 1.34%

Check overlap with more funds →

On the same fields

BIV
Vanguard Intermediate-Term Bond ETF
FLCB
Franklin U.S. Core Bond ETF
Where it sits Bond ETF Bond ETF
Issuer Vanguard Franklin
What it is Tracks an index Actively managed
Total return, 1 year −2.3% −1.7%
S&P 500 over the same days +17.3% +17.3%
Gap to the S&P 500 −19.5 pts −18.9 pts
Expense ratio 0.03% 0.15%
Holdings 2347 588
Net assets, BIV as of Sep 30, 2026 and FLCB as of Oct 9, 2026 $28.1bn $3.1bn

BIV and FLCB 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.

FLCB in plain words

FLCB is actively managed and tracks no index. The prospectus expense ratio is 0.15% a year. It sat 5.0% below its high of Aug 4, 2020 on Oct 9, 2026.

Over the year to Oct 9, 2026 it returned −1.7% with distributions reinvested, against −1.6% for its benchmark, the Bloomberg U.S. Aggregate Index.

Questions people ask

Which returned more over the last year, BIV or FLCB?
In the year to Oct 9, 2026, with distributions reinvested, BIV returned −2.3% and FLCB −1.7%.
Which is cheaper, BIV or FLCB?
BIV is cheaper, by 0.12 percentage points a year. That is about $12 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BIV vs TAGGBIV vs UITBBIV vs JHCRBIV vs EAGGFLCB vs JBNDDFCF vs FLCBFLCB vs SCHZFLCB vs SPAB
BIV on its own →FLCB 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 ↗FLCB filings on SEC EDGAR ↗FLCB prospectus with the expense ratio (SEC) ↗Franklin 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 FLCB, data as of Oct 9, 2026. https://etfiq.com/compare/any/biv-vs-flcb

Open data

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