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BIV vs VGIT: Differences, Returns & Fees

BIV's duration was 5.9 years on Jun 30, 2026 and VGIT's 4.7 on May 31, 2026; both charge 0.03%. Net assets on Sep 30, 2026: $28.1bn for Vanguard Intermediate-Term Bond ETF and $39.7bn for Vanguard Intermediate-Term Treasury ETF.

Both cost 0.03% a year; their one-year returns differ by 0.7 points; VGIT is 1.4 times larger.

Points (pts) are percentage points.

BIVVGIT
Expense ratio0.03%0.03%
Net assets, as of Sep 30, 2026$28.1bn$39.7bn
Total return, 1 year−2.3%−1.6%
What it tracksnot read by ETFIQBloomberg U.S. Treasury 3-10 Year Index
Holdings in common47%
Below its high5.0%, high on Feb 27, 20264.5%, high on Aug 4, 2020

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

−2.3%
BIV total return, 1 year
−1.6%
VGIT total return, 1 year
0.03%
BIV expense ratio
0.03%
VGIT expense ratio

What they hold in common

By the books each fund has filed, BIV and VGIT hold 47% 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 May 31, 2026 and Jun 30, 2026.

half

47% in common

Positions both hold, largest shared weight first
Holding BIV VGIT
US TREASURY N/B, due Feb 15, 2035 2.08% 1.94%
US TREASURY N/B, due May 15, 2034 2.13% 1.92%
US TREASURY N/B, due Nov 15, 2034 2.08% 1.90%
US TREASURY N/B, due Aug 15, 2035 2.04% 1.89%
US TREASURY N/B, due May 15, 2035 2.04% 1.89%
US TREASURY N/B, due Aug 15, 2034 2.02% 1.87%
US TREASURY N/B, due Feb 15, 2034 2.14% 1.87%
US TREASURY N/B, due Nov 15, 2033 2.10% 1.84%
US TREASURY N/B, due Nov 15, 2035 1.94% 1.83%
US TREASURY N/B, due Feb 15, 2036 2.14% 1.81%
US TREASURY N/B, due Aug 15, 2033 1.84% 1.68%
US TREASURY N/B, due Aug 15, 2031 2.10% 1.60%
Only in BIV
US TREASURY N/B, due May 31, 2033 1.07%
US TREASURY N/B, due May 15, 2036 0.79%
MORGAN STANLEY, due Oct 18, 2033 0.15%
AMAZON.COM INC, due Mar 13, 2036 0.13%
MORGAN STANLEY, due Jan 18, 2036 0.13%
INT BK RECON&DEV, due Jan 15, 2032 0.12%
BANK OF AMER CRP, due Feb 6, 2037 0.12%
META PLATFORMS, due Nov 15, 2035 0.11%
Only in VGIT
US TREASURY N/B, due Feb 28, 2030 1.65%
US TREASURY N/B, due Nov 15, 2030 1.52%
US TREASURY N/B, due May 15, 2031 1.48%
US TREASURY N/B, due Aug 15, 2030 1.42%
US TREASURY N/B, due Feb 15, 2031 1.36%
US TREASURY N/B, due Oct 31, 2029 1.14%
US TREASURY N/B, due May 15, 2030 1.13%
US TREASURY N/B, due Apr 30, 2030 1.13%

Check overlap with more funds →

On the same fields

BIV
Vanguard Intermediate-Term Bond ETF
VGIT
Vanguard Intermediate-Term Treasury ETF
Where it sits Bond ETF Bond ETF
Issuer Vanguard Vanguard
What it is Tracks an index Tracks an index of Intermediate-Term Treasury
Total return, 1 year −2.3% −1.6%
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% 0.03%
Holdings 2347 103
Net assets, as of Sep 30, 2026 $28.1bn $39.7bn

BIV and VGIT 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.

VGIT in plain words

VGIT tracks an index of Intermediate-Term Treasury. Over the year to Oct 9, 2026 it returned −1.6% with distributions reinvested. It sat 4.5% below its high of Aug 4, 2020 on Oct 9, 2026.

Questions people ask

Which returned more over the last year, BIV or VGIT?
In the year to Oct 9, 2026, with distributions reinvested, BIV returned −2.3% and VGIT −1.6%.
Which is cheaper, BIV or VGIT?
Neither: BIV and VGIT both charge 0.03% a year. Fees come from each fund's prospectus.
Other comparisons
BIV vs VCITAGG vs BIVBIV vs BNDBIV vs VCRBBND vs VGITAGG vs VGITLQD vs VGITSHY vs VGIT
BIV on its own →VGIT 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 ↗VGIT filings on SEC EDGAR ↗VGIT prospectus with the expense ratio (SEC) ↗Vanguard page for VGIT ↗

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

Open data

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