Data as of Oct 28, 2026.
BND vs VTIP: Differences, Returns & Fees
On Jun 30, 2026 BND's duration was 5.7 years and VTIP's 2.3; both charge 0.03%.
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Net assets on Sep 30, 2026: $161.4bn for Vanguard Total Bond Market ETF and $20.9bn for Vanguard Short-Term Inflation-Protected Securities Index Fund ETF Shares.
Pair scorecard
Both cost 0.03% a year; their one-year returns differ by 3.5 points; BND is 7.7 times larger.
Points (pts) are percentage points.
| Measure | BND | VTIP |
|---|---|---|
| Return | ||
| Total return, 1 year | −1.3% | +2.2% |
| Drawdown | ||
| Below its high | 3.5%, high on Aug 6, 2020 | |
| Benchmark | ||
| What it tracks | Bloomberg U.S. Aggregate Float Adjusted Index | Bloomberg U.S. Treasury Inflation-Protected Securities (TIPS) 0-5 Years Index |
| Cost and size | ||
| Expense ratio | 0.03% | 0.03% |
| Net assets, as of Sep 30, 2026 | $161.4bn | $20.9bn |
| Holdings | ||
| Holdings in common | 0% | |
Holdings in common uses holdings dated Jun 30, 2026. Method
Risk and return
Oct 26, 2012 to Oct 23, 2026 · 730 weekly returnsVTIP returned more: +35.7% to +25.8%. VTIP swung less: 2.3% to 4.7%. VTIP fell less at its worst: −5.5% to −18.4%.
Full scorecard
9 measures, with how each is measured Open ↓
| Measure | BND | VTIP | Edge | How it is measured |
|---|---|---|---|---|
| Return | ||||
| Total return | +25.8% | +35.7% | VTIP | Price change plus distributions, reinvested. |
| Annualized | +1.7% | +2.2% | VTIP | Total return as a yearly rate. |
| Price return | −16.0% | −2.1% | VTIP | Price change alone, distributions left out. |
| Risk | ||||
| Volatility | 4.7% | 2.3% | VTIP | Spread of weekly returns, annualized. Lower is steadier. |
| Downside deviation | 3.4% | 1.7% | VTIP | Like volatility, counting only weeks below the Treasury bill rate. |
| Max drawdown | −18.4% | −5.5% | VTIP | Deepest fall from a high to the low after it. |
| Risk-adjusted | ||||
| Sharpe | −0.02 | 0.17 | VTIP | Return above Treasury bills per unit of volatility. |
| Sortino | −0.02 | 0.22 | VTIP | Return above Treasury bills per unit of downside deviation. |
| Calmar | 0.09 | 0.40 | VTIP | Annualized return divided by the max drawdown. |
Computed by ETFIQ from Tiingo daily prices and ETFIQ's distribution records, 730 weekly returns. Cash rate: the 13-week Treasury bill.
What they share
By the books each fund has filed, BND and VTIP hold 0% of their money in the same securities at the same weight. Holdings dated Jun 30, 2026.
half
0% in common
Only in one fund ↓
Side by side
BND and VTIP on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
BND and VTIP do different jobs. What does each one do in a portfolio?
- What each follows. BND follows Bloomberg U.S. Aggregate Float Adjusted Index and VTIP follows Bloomberg U.S. Treasury Inflation-Protected Securities (TIPS) 0-5 Years Index.
- Holdings in common. 0% of the weight is in the same securities (holdings dated Jun 30, 2026).
- One-year total return. Over 1 year to Oct 28, 2026 BND returned −1.3% and VTIP +2.2% with distributions reinvested, a gap of 3.5 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.
VTIP
VTIP tracks an index of Short-Term Inflation-Protected Securities. Over the year to Oct 28, 2026 it returned +2.2% with distributions reinvested.
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 VTIP, data as of Oct 28, 2026. https://etfiq.com/compare/any/bnd-vs-vtip
ETFIQ. (Oct 28, 2026). BND against VTIP. Retrieved from https://etfiq.com/compare/any/bnd-vs-vtip
[BND against VTIP (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/bnd-vs-vtip)
Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.