Data as of Oct 28, 2026.
BND vs VTI: Differences, Returns & Fees
Over the year to Oct 28, 2026, BND returned −1.3% to VTI's +13.5%; 0% of their weight is in the same names.
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Net assets on Sep 30, 2026: $161.4bn for Vanguard Total Bond Market ETF and $689.2bn for Vanguard Morningstar Total Stock Market ETF.
Pair scorecard
Both cost 0.03% a year; their one-year returns differ by 14.8 points; VTI is 4.3 times larger.
Points (pts) are percentage points.
| Measure | BND | VTI |
|---|---|---|
| Return | ||
| Total return, 1 year | −1.3% | +13.5% |
| Drawdown | ||
| Below its high | 3.5%, high on Aug 6, 2020 | |
| Benchmark | ||
| What it tracks | Bloomberg U.S. Aggregate Float Adjusted Index | Morningstar US Total Market Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.03% |
| Net assets, as of Sep 30, 2026 | $161.4bn | $689.2bn |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 88% | |
| Top ten holdings, share of the fund | 34.7% | |
Holdings in common uses holdings dated Sep 30, 2026. Method
Risk and return
Apr 20, 2007 to Oct 23, 2026 · 1,018 weekly returnsVTI returned more: +616.6% to +75.5%. BND swung less: 5.0% to 18.5%. BND fell less at its worst: −18.4% to −54.8%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | BND | VTI | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +75.5% | +616.6% | VTI | Price change plus distributions, reinvested. |
| Annualized | +2.9% | +10.6% | VTI | Total return as a yearly rate. |
| Price return | −5.4% | +405.5% | VTI | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 5.0% | 18.5% | BND | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 3.7% | 13.1% | BND | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −18.4% | −54.8% | BND | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | 0.29 | 0.55 | VTI | Return above Treasury bills per unit of volatility. |
| Sortino | 0.39 | 0.78 | VTI | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.16 | 0.19 | VTI | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 1,018 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, BND and VTI hold 0% of their money in the same securities at the same weight. Holdings dated Sep 30, 2026.
half
0% in common
Only in one fund ↓
Side by side
BND and VTI on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
BND and VTI do different jobs. What does each one do in a portfolio?
- What each follows. BND follows Bloomberg U.S. Aggregate Float Adjusted Index and VTI follows Morningstar US Total Market Index.
- Holdings in common. 0% of the weight is in the same securities (holdings dated Sep 30, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 BND returned −1.3% and VTI +13.5% with distributions reinvested, a gap of 14.8 points.
Data as of Oct 28, 2026.
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BND
BND tracks an index of US aggregate bonds. Over the year to Oct 28, 2026 it returned −1.3% with distributions reinvested, against −1.4% for its benchmark, the Bloomberg U.S. Aggregate Float Adjusted Index, measured by the closely related Bloomberg U.S. Aggregate Bond Index. The prospectus expense ratio is 0.03% a year. It sat 3.5% below its high of Aug 6, 2020 on Oct 28, 2026.
VTI
VTI tracks an index of US total market. Over the year to Oct 28, 2026 it returned +13.5% with distributions reinvested. By its holdings published by its issuer as of Sep 30, 2026, 88% of the fund by weight is stocks the S&P 500 also holds, across 3,521 positions, with the top ten at 34.7%.
Questions people ask
Links are sources, not endorsements. 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.
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ETFIQ, BND against VTI, data as of Oct 28, 2026. https://etfiq.com/compare/any/bnd-vs-vti
ETFIQ. (Oct 28, 2026). BND against VTI. Retrieved from https://etfiq.com/compare/any/bnd-vs-vti
[BND against VTI (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/bnd-vs-vti)
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