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ETF comparison

BND vs SCHZ

Both US Aggregate Bond.

Vanguard Total Bond Market Index Fund · Schwab U.S. Aggregate Bond ETF

Holdings overlap

Weighted by ISIN/CUSIP
69.9 %

9,094 positions appear in both funds. Buying equal dollars of BND and SCHZ would leave roughly 69.9% of each dollar exposed to the same underlying securities.

BND only 28.8% Shared 69.9% SCHZ only 28.8%
In BND only
8,266 positions
Shared
9,094 positions
In SCHZ only
2,988 positions

Side by side

BND

Vanguard Total Bond Market Index Fund

Vanguard · US Aggregate Bond

89 composite / 100
Expense ratio
0.030%
Net assets
$397.86B
TTM yield
3.99%
Top-10 conc.
4.8%
SCHZ

Schwab U.S. Aggregate Bond ETF

Schwab · US Aggregate Bond

89 composite / 100
Expense ratio
0.030%
Net assets
$10.60B
TTM yield
4.16%
Top-10 conc.
5.4%

Sub-score comparison

97
Cost
97
53
Tax efficiency
52
100
Liquidity
100
100
Concentration
100
—
Tracking quality
—
BND sub-score SCHZ

Tracking quality isn't part of the composite — see what we don't score for why.

Cost difference

Expense ratios are effectively identical (0.030% vs 0.030%).

Fee figure is the annual expense charged on $100,000. To see how the gap compounds over a multi-decade holding period, open the cost calculator pre-filled with BND vs SCHZ.

Top shared holdings

9,094 shared in total
# Holding In BND In SCHZ Overlap
1 United States Treasury Note/Bond 0.41% 0.39% 0.39%
2 United States Treasury Note/Bond 0.40% 0.38% 0.38%
3 United States Treasury Note/Bond 0.42% 0.38% 0.38%
4 United States Treasury Note/Bond 0.39% 0.38% 0.38%
5 United States Treasury Note/Bond 0.42% 0.38% 0.38%
6 United States Treasury Note/Bond 0.41% 0.37% 0.37%
7 United States Treasury Note/Bond 0.36% 0.38% 0.36%
8 United States Treasury Note/Bond 0.39% 0.36% 0.36%
9 United States Treasury Note/Bond 0.36% 0.34% 0.34%
10 United States Treasury Note/Bond 0.36% 0.32% 0.32%
11 United States Treasury Note/Bond 0.35% 0.31% 0.31%
12 United States Treasury Note/Bond 0.32% 0.31% 0.31%

Only in BND

8,266 total
  • United States Treasury Note/Bond 0.17%
  • United States Treasury Note/Bond 0.10%
  • Ginnie Mae II Pool 0.08%
  • Fannie Mae or Freddie Mac 0.06%
  • Ginnie Mae II Pool 0.06%
  • Fannie Mae Pool 0.04%
  • Fannie Mae or Freddie Mac 0.04%
  • Fannie Mae Pool 0.03%
  • Fannie Mae Pool 0.03%
  • Freddie Mac Pool 0.03%

Only in SCHZ

2,988 total
  • United States Treasury 0.26%
  • Fannie Mae 0.10%
  • Freddie Mac 0.08%
  • Fannie Mae 0.07%
  • State Street Institutional US Government Money Market Fund 0.07%
  • Freddie Mac 0.07%
  • Fannie Mae 0.07%
  • Fannie Mae 0.07%
  • Government National Mortgage Association 0.07%
  • Freddie Mac 0.06%

Open BND or SCHZ at a brokerage

Both funds trade commission-free at major US brokerages.

Open at Fidelity

Affiliate links — opening an account through these earns PlainIndex a one-time referral. Scoring is computed before any affiliate consideration; see our methodology and funding disclosure.

Holdings overlap is the sum of min(weight_a, weight_b) over positions matched on ISIN (CUSIP fallback). Methodology: see /methodology/.

Comparing two funds doesn't endorse swapping one for the other. Tax-lot history, account type, and personal goals matter — PlainIndex publishes data and methodology, not investment advice.