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BND vs DFCF: Differences, Returns & Fees

BND's duration was 5.7 years on Jun 30, 2026 and DFCF's 5.8 on Jul 31, 2026; BND charges 0.03% to DFCF's 0.17%. Net assets: $161.4bn on Sep 30, 2026 for Vanguard Total Bond Market ETF, and $11.0bn on Jul 31, 2026 for Dimensional Core Fixed Income ETF.

BND costs 0.14 points a year less; their one-year returns differ by 0.3 points.

BNDDFCF
Expense ratio0.03%0.17%
Net assets, BND as of Sep 30, 2026 and DFCF as of Jul 31, 2026$161.4bn$11.0bn
Total return, 1 year−1.5%−1.8%
What it tracksBloomberg U.S. Aggregate Float Adjusted IndexNo index, actively managed
Holdings in common17%
Below its high4.9%, high on Aug 6, 20204.4%, high on Feb 27, 2026

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

−1.5%
BND total return, 1 year
−1.8%
DFCF total return, 1 year
0.03%
BND expense ratio
0.17%
DFCF expense ratio

What they hold in common

By the books each fund has filed, BND and DFCF 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 and Jul 31, 2026.

half

17% in common

Positions both hold, largest shared weight first
Holding BND DFCF
US TREASURY N/B, due Jan 31, 2028 0.47% 0.39%
US TREASURY N/B, due Nov 15, 2033 0.39% 0.65%
US TREASURY N/B, due Aug 15, 2033 0.36% 0.65%
US TREASURY N/B, due May 15, 2032 0.35% 0.75%
US TREASURY N/B, due Nov 15, 2032 0.35% 0.89%
US TREASURY N/B, due Aug 15, 2031 0.34% 0.53%
US TREASURY N/B, due Nov 15, 2031 0.34% 0.72%
US TREASURY N/B, due Feb 15, 2033 0.32% 0.87%
US TREASURY N/B, due Aug 15, 2032 0.32% 0.76%
US TREASURY N/B, due Feb 15, 2032 0.32% 0.91%
US TREASURY N/B, due May 15, 2033 0.32% 0.61%
US TREASURY N/B, due May 31, 2028 0.33% 0.27%
Only in BND
US TREASURY N/B, due May 15, 2034 0.41%
US TREASURY N/B, due Nov 15, 2034 0.41%
US TREASURY N/B, due Nov 30, 2027 0.41%
US TREASURY N/B, due Feb 15, 2035 0.41%
US TREASURY N/B, due Feb 15, 2036 0.41%
US TREASURY N/B, due Aug 15, 2034 0.41%
US TREASURY N/B, due May 15, 2035 0.36%
US TREASURY N/B, due Feb 15, 2031 0.31%
Only in DFCF
The DFA Short Term Investment Fund 6.07%
U S TREASURY NOTE, due Jan 31, 2028 4.70%
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%
U S TREASURY NOTE, due Jul 31, 2027 2.93%
FEDERAL NATIONAL MORTGAGE ASSOCIATION, due Aug 25, 2056 2.85%
U S TREASURY NOTE, due Oct 31, 2026 2.25%

Check overlap with more funds →

On the same fields

BND
Vanguard Total Bond Market ETF
DFCF
Dimensional Core Fixed Income ETF
Where it sits Bond ETF Bond ETF
Issuer Vanguard Dimensional
What it is Tracks an index of US aggregate bonds Actively managed
Total return, 1 year −1.5% −1.8%
S&P 500 over the same days +17.3% +17.3%
Gap to the S&P 500 −18.8 pts −19.0 pts
Expense ratio 0.03% 0.17%
Holdings 16275 1771
Net assets, BND as of Sep 30, 2026 and DFCF as of Jul 31, 2026 $161.4bn $11.0bn

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

BND in plain words

BND tracks an index of US aggregate bonds. The prospectus expense ratio is 0.03% a year. It sat 4.9% below its high of Aug 6, 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 U.S. Aggregate Float Adjusted Index, measured by the closely related Bloomberg U.S. Aggregate Bond Index.

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, BND or DFCF?
In the year to Oct 9, 2026, with distributions reinvested, BND returned −1.5% and DFCF −1.8%.
Which is cheaper, BND or DFCF?
BND 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
BND vs SCHZBND vs CGCBBND vs FLCBBND vs TAGGDFCF vs SCHZDFCF vs SPABDFCF vs JBNDDFCF vs VCRB
BND on its own →DFCF on its own →Hold both: look the portfolio through →Rankings →Standards and sources →
Where these figures came from
BND filings on SEC EDGAR ↗BND prospectus with the expense ratio (SEC) ↗Vanguard page for BND ↗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, BND against DFCF, data as of Oct 9, 2026. https://etfiq.com/compare/any/bnd-vs-dfcf

Open data

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