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BIV vs SCHZ: Differences, Returns & Fees

On Jun 30, 2026 BIV's duration was 5.9 years and SCHZ's 5.8; both charge 0.03%. Net assets: $28.1bn on Sep 30, 2026 for Vanguard Intermediate-Term Bond ETF, and $10.6bn on Jun 30, 2026 for Schwab U.S. Aggregate Bond ETF.

Both cost 0.03% a year; their one-year returns differ by 0.8 points.

Points (pts) are percentage points.

BIVSCHZ
Expense ratio0.03%0.03%
Net assets, BIV as of Sep 30, 2026 and SCHZ as of Jun 30, 2026$28.1bn$10.6bn
Total return, 1 year−2.3%−1.5%
What it tracksnot read by ETFIQBloomberg US Aggregate Bond Index
Holdings in common17%
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
−1.5%
SCHZ total return, 1 year
0.03%
BIV expense ratio
0.03%
SCHZ expense ratio

What they hold in common

By the books each fund has filed, BIV and SCHZ hold 17% 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

17% in common

Positions both hold, largest shared weight first
Holding BIV SCHZ
US TREASURY N/B, due Feb 15, 2036 2.14% 0.39%
US TREASURY N/B, due Feb 15, 2035 2.08% 0.39%
US TREASURY N/B, due Aug 15, 2035 2.04% 0.39%
US TREASURY N/B, due Nov 15, 2034 2.08% 0.37%
US TREASURY N/B, due May 15, 2035 2.04% 0.37%
US TREASURY N/B, due May 15, 2034 2.13% 0.37%
US TREASURY N/B, due Aug 15, 2034 2.02% 0.36%
US TREASURY N/B, due Nov 15, 2035 1.94% 0.36%
US TREASURY N/B, due Feb 15, 2034 2.14% 0.36%
US TREASURY N/B, due Nov 15, 2033 2.10% 0.36%
US TREASURY N/B, due Aug 15, 2033 1.84% 0.33%
US TREASURY N/B, due May 15, 2033 1.63% 0.31%
Only in BIV
US TREASURY N/B, due Jun 30, 2031 0.10%
SPACE EXPLORATIO, due Jul 15, 2036 0.08%
SPACE EXPLORATIO, due Jul 15, 2033 0.08%
NVIDIA CORP, due Jun 15, 2036 0.06%
NVIDIA CORP, due Jun 15, 2033 0.04%
NORFOLK SOUTHERN, due Mar 15, 2034 0.03%
JAPAN BANK COOP, due Jul 2, 2036 0.03%
TENN VALLEY AUTH, due May 15, 2035 0.03%
Only in SCHZ
U.S. Treasury Notes, due Jan 31, 2028 0.35%
U.S. Treasury Notes, due May 15, 2031 0.32%
U.S. Treasury Notes, due Feb 28, 2030 0.32%
U.S. Treasury Notes, due Feb 15, 2031 0.30%
U.S. Treasury Notes, due Nov 15, 2030 0.30%
U.S. Treasury Notes, due Dec 31, 2027 0.30%
U.S. Treasury Notes, due May 31, 2028 0.28%
U.S. Treasury Notes, due May 15, 2029 0.28%

Check overlap with more funds →

On the same fields

BIV
Vanguard Intermediate-Term Bond ETF
SCHZ
Schwab U.S. Aggregate Bond ETF
Where it sits Bond ETF Bond ETF
Issuer Vanguard Schwab
What it is Tracks an index Tracks an index
Total return, 1 year −2.3% −1.5%
S&P 500 over the same days +17.3% +17.3%
Gap to the S&P 500 −19.5 pts −18.8 pts
Expense ratio 0.03% 0.03%
Holdings 2347 12326
Net assets, BIV as of Sep 30, 2026 and SCHZ as of Jun 30, 2026 $28.1bn $10.6bn

BIV and SCHZ 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.

SCHZ in plain words

SCHZ tracks an index. It sat 5.0% below its high of Aug 4, 2020 on Oct 9, 2026.

Over the year to Oct 9, 2026 it returned −1.5% with distributions reinvested, against −1.6% for its benchmark, the Bloomberg US Aggregate Bond Index.

Questions people ask

Which returned more over the last year, BIV or SCHZ?
In the year to Oct 9, 2026, with distributions reinvested, BIV returned −2.3% and SCHZ −1.5%.
Which is cheaper, BIV or SCHZ?
Neither: BIV and SCHZ both charge 0.03% a year. Fees come from each fund's prospectus.
Other comparisons
BIV vs DFCFBIV vs SPABBIV vs JBNDBIV vs VCRBSCHZ vs SPABSCHZ vs VCRBCGCB vs SCHZSCHZ vs UNIY
BIV on its own →SCHZ 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 ↗SCHZ filings on SEC EDGAR ↗SCHZ prospectus with the expense ratio (SEC) ↗Schwab 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 SCHZ, data as of Oct 9, 2026. https://etfiq.com/compare/any/biv-vs-schz

Open data

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