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BND vs SCHZ: Differences, Returns & Fees

On Jun 30, 2026 BND's duration was 5.7 years and SCHZ's 5.8; both charge 0.03%. Net assets: $161.4bn on Sep 30, 2026 for Vanguard Total Bond Market ETF, and $10.6bn on Jun 30, 2026 for Schwab U.S. Aggregate Bond ETF.

Both cost 0.03% a year; both returned −1.5% over a year; BND is far larger, $397.1bn against $10.6bn.

Points (pts) are percentage points.

BNDSCHZ
Expense ratio0.03%0.03%
Net assets, as of Jun 30, 2026$397.1bn$10.6bn
Total return, 1 year−1.5%−1.5%
What it tracksBloomberg U.S. Aggregate Float Adjusted IndexBloomberg US Aggregate Bond Index
Holdings in common71%
Below its high4.9%, high on Aug 6, 20205.0%, high on Aug 4, 2020

Holdings in common uses holdings dated Jun 30, 2026.

−1.5%
BND total return, 1 year
−1.5%
SCHZ total return, 1 year
0.03%
BND expense ratio
0.03%
SCHZ expense ratio

What they hold in common

By the books each fund has filed, BND and SCHZ hold 71% 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

71% in common

Positions both hold, largest shared weight first
Holding BND SCHZ
US TREASURY N/B, due Feb 15, 2036 0.41% 0.39%
US TREASURY N/B, due Feb 15, 2035 0.41% 0.39%
US TREASURY N/B, due Aug 15, 2035 0.39% 0.39%
US TREASURY N/B, due Nov 15, 2034 0.41% 0.37%
US TREASURY N/B, due May 15, 2034 0.41% 0.37%
US TREASURY N/B, due Aug 15, 2034 0.41% 0.36%
US TREASURY N/B, due Feb 15, 2034 0.40% 0.36%
US TREASURY N/B, due Nov 15, 2033 0.39% 0.36%
US TREASURY N/B, due May 15, 2035 0.36% 0.37%
US TREASURY N/B, due Jan 31, 2028 0.47% 0.35%
US TREASURY N/B, due Aug 15, 2033 0.36% 0.33%
US TREASURY N/B, due May 15, 2031 0.32% 0.32%
Only in BND
US TREASURY N/B, due Jun 30, 2028 0.14%
G2SF 5 7/26, due Jul 20, 2026 0.11%
G2SF 5.5 8/26, due Aug 20, 2026 0.07%
FNCL 2 7/26, due Jul 13, 2026 0.05%
FNCL 6 8/26, due Aug 13, 2026 0.05%
FNCL 6.5 7/26, due Jul 13, 2026 0.04%
G2SF 5.5 7/26, due Jul 20, 2026 0.04%
FN FA4850, due Mar 1, 2056 0.03%
Only in SCHZ
U.S. Treasury Notes, due Jan 15, 2029 0.21%
Freddie Mac Pool, due Jul 1, 2050 0.11%
Fannie Mae Pool, due May 1, 2051 0.09%
Freddie Mac Pool, due Sep 1, 2050 0.07%
Fannie Mae Pool, due Sep 1, 2051 0.06%
Fannie Mae Pool, due Mar 1, 2055 0.06%
Ginnie Mae, due Jul 20, 2056 0.06%
Fannie Mae Pool, due Nov 1, 2051 0.06%

Check overlap with more funds →

On the same fields

BND
Vanguard Total Bond Market ETF
SCHZ
Schwab U.S. Aggregate Bond ETF
Where it sits Bond ETF Bond ETF
Issuer Vanguard Schwab
What it is Tracks an index of US aggregate bonds Tracks an index
Total return, 1 year −1.5% −1.5%
S&P 500 over the same days +17.3% +17.3%
Gap to the S&P 500 −18.8 pts −18.8 pts
Expense ratio 0.03% 0.03%
Holdings 16275 12326
Net assets, BND as of Sep 30, 2026 and SCHZ as of Jun 30, 2026 $161.4bn $10.6bn

BND and SCHZ 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.

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, BND or SCHZ?
In the year to Oct 9, 2026, with distributions reinvested, BND returned −1.5% and SCHZ −1.5%.
Which is cheaper, BND or SCHZ?
Neither: BND and SCHZ both charge 0.03% a year. Fees come from each fund's prospectus.
Other comparisons
BND vs DFCFBND vs SPABBND vs JBNDBND vs VCRBSCHZ vs SPABSCHZ vs VCRBCGCB vs SCHZEAGG vs SCHZ
BND on its own →SCHZ 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 ↗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, BND against SCHZ, data as of Oct 9, 2026. https://etfiq.com/compare/any/bnd-vs-schz

Open data

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