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BIV vs VCRB: Differences, Returns & Fees

On Jun 30, 2026 BIV's duration was 5.9 years and VCRB's 5.6; BIV charges 0.03% to VCRB's 0.10%. Net assets on Sep 30, 2026: $28.1bn for Vanguard Intermediate-Term Bond ETF and $7.6bn for Vanguard Core Bond ETF.

BIV costs 0.07 points a year less; their one-year returns differ by 1.0 point; BIV is 3.7 times larger.

BIVVCRB
Expense ratio0.03%0.10%
Net assets, as of Sep 30, 2026$28.1bn$7.6bn
Total return, 1 year−2.3%−1.3%
What it tracksnot read by ETFIQNo index, actively managed
Holdings in common10%
Below its high5.0%, high on Feb 27, 20264.0%, high on Feb 27, 2026

Holdings in common uses holdings dated Jun 30, 2026.

−2.3%
BIV total return, 1 year
−1.3%
VCRB total return, 1 year
0.03%
BIV expense ratio
0.10%
VCRB expense ratio

What they hold in common

By the books each fund has filed, BIV and VCRB hold 10% 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

10% in common

Positions both hold, largest shared weight first
Holding BIV VCRB
US TREASURY N/B, due May 15, 2036 0.79% 0.55%
US TREASURY N/B, due Jul 31, 2031 0.53% 0.53%
US TREASURY N/B, due Feb 15, 2035 2.08% 0.52%
US TREASURY N/B, due May 15, 2034 2.13% 0.51%
US TREASURY N/B, due Aug 31, 2031 1.08% 0.49%
US TREASURY N/B, due May 15, 2032 1.65% 0.43%
US TREASURY N/B, due Feb 15, 2036 2.14% 0.41%
US TREASURY N/B, due Feb 29, 2032 0.81% 0.36%
GOLDMAN SACHS GP, due Apr 20, 2034 0.09% 0.14%
SPACE EXPLORATIO, due Jul 15, 2033 0.08% 0.29%
SPACE EXPLORATIO, due Jul 15, 2036 0.08% 0.08%
ONTARIO PROVINCE, due May 29, 2036 0.08% 0.19%
Only in BIV
US TREASURY N/B, due Feb 15, 2034 2.14%
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 May 15, 2035 2.04%
US TREASURY N/B, due Aug 15, 2035 2.04%
US TREASURY N/B, due Aug 15, 2034 2.02%
US TREASURY N/B, due Aug 15, 2033 1.84%
Only in VCRB
FNCL 5 7/26, due Jul 13, 2026 2.33%
US TREASURY N/B, due Apr 30, 2029 1.02%
NVIDIA CORP, due Jun 15, 2028 0.97%
NVIDIA CORP, due Jun 15, 2029 0.75%
FNCL 5.5 7/26, due Jul 13, 2026 0.68%
US TREASURY N/B, due Feb 28, 2029 0.65%
KFW, due Jul 22, 2031 0.60%
FNR 2026-46 FL, due Jun 25, 2056 0.59%

Check overlap with more funds →

On the same fields

BIV
Vanguard Intermediate-Term Bond ETF
VCRB
Vanguard Core Bond ETF
Where it sits Bond ETF Bond ETF
Issuer Vanguard Vanguard
What it is Tracks an index Actively managed
Total return, 1 year −2.3% −1.3%
S&P 500 over the same days +17.3% +17.3%
Gap to the S&P 500 −19.5 pts −18.6 pts
Expense ratio 0.03% 0.10%
Holdings 2347 3418
Net assets, as of Sep 30, 2026 $28.1bn $7.6bn

BIV and VCRB 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.

VCRB in plain words

VCRB is actively managed and tracks no index. The prospectus expense ratio is 0.10% a year. It sat 4.0% below its high of Feb 27, 2026 on Oct 9, 2026.

Over the year to Oct 9, 2026 it returned −1.3% with distributions reinvested, against −1.5% for its benchmark, the Bloomberg U.S. Aggregate Float Adjusted Index.

Questions people ask

Which returned more over the last year, BIV or VCRB?
In the year to Oct 9, 2026, with distributions reinvested, BIV returned −2.3% and VCRB −1.3%.
Which is cheaper, BIV or VCRB?
BIV is cheaper, by 0.07 percentage points a year. That is about $7 on $10,000 held for a year. Fees come from each fund's prospectus.
Other comparisons
BIV vs JBNDBIV vs CGCBBIV vs SPABBIV vs SCHZCGCB vs VCRBEAGG vs VCRBBND vs VCRBFLCB vs VCRB
BIV on its own →VCRB 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 ↗VCRB filings on SEC EDGAR ↗VCRB prospectus with the expense ratio (SEC) ↗Vanguard page for VCRB ↗

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 VCRB, data as of Oct 9, 2026. https://etfiq.com/compare/any/biv-vs-vcrb

Open data

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