BND vs SCHZ Stock Comparison: AI Score, Valuation, Performance and Upside
BND and SCHZ both target us aggregate bond exposure but take different paths to get there — BND via the Bloomberg U.S. Aggregate Float Adjusted Index, and SCHZ via the Bloomberg U.S. Aggregate Bond Index. The practical differences come down to issuer, cost structure, and the specific index rules each fund follows, since both are pursuing a similar investment outcome.
BND vs SCHZ is largely a question of which issuer and index methodology you trust more for us aggregate bond exposure — the underlying investment case is similar, so cost, liquidity, and tracking precision tend to be the deciding factors.
BND holds the edge across 3 of 5 key metrics in this comparison. BND has delivered stronger 1-year price return (-0.86% vs -0.92% for SCHZ).
- want the default core US investment-grade bond holding
- prefer Vanguard's approach and fund lineup
- value broad diversification across Treasuries, agencies, and corporates
- are comfortable with duration risk means the fund loses value when rates rise
- want the cheapest core US aggregate bond holding for Schwab investors
- prefer Charles Schwab's approach and fund lineup
- value one of the lowest expense ratios among core aggregate bond ETFs
- are comfortable with smaller asset base and volume than BND or AGG
| Metric | BND | SCHZ |
|---|---|---|
| ETF scorei | 24.4 | 24.4 |
| Latest closei | $71.20 | $22.42 |
| 1M returni | +1.80% | +1.77% |
| 3M returni | -1.37% | -1.42% |
| 6M returni | -1.44% | -1.51% |
| 1Y returni | -0.86% | -0.92% |
The ETF score weights long-term returns and risk-adjusted performance most heavily, but still rewards low expense ratios, larger fund size, and broader diversification — so it can favor low-cost, broad, mega-cap funds over smaller thematic or actively-managed funds even when the latter have delivered stronger returns.
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | BND | SCHZ |
|---|---|---|
| 1Y ago | $10.29K (+2.9%) started 2025-11-03 | $10.3K (+3.0%) started 2025-11-03 |
| 5Y ago | $11.68K (+16.8%) started 2021-11-04 | $11.78K (+17.8%) started 2021-11-04 |
| 10Y ago | $16.2K (+62.0%) started 2016-11-04 | $16.03K (+60.3%) started 2016-11-04 |
Hypothetical — past performance does not guarantee future results.
| Metric | BND | SCHZ |
|---|---|---|
| Expense ratioi | 0.03% | 0.03% |
| Total assets (AUM)i | $389.05B | $10.45B |
| Dividend yieldi | 4.17% | 4.33% |
| Trailing P/Ei | N/A | N/A |
| Betai | 0.27 | 0.28 |
| 52-week change | -0.86% | -0.92% |
| Metric | BND | SCHZ |
|---|---|---|
| 1Y returni | -0.86% | -0.92% |
| 6M returni | -1.44% | -1.51% |
| 3M returni | -1.37% | -1.42% |
| 1M returni | +1.80% | +1.77% |
| 1Y Sharpe ratio | -1.33 | -1.34 |
| Betai | 0.27 | 0.28 |
| Dividend yieldi | 4.17% | 4.33% |
| 5Y CAGR | -0.42% | -0.42% |
Over the past year, BND and SCHZ have moved strongly in the same direction (correlation of 0.99), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | BND | SCHZ |
|---|---|---|---|
| 1Y | Growthi | -0.86% | -0.92% |
| CAGRi | -0.86% | -0.92% | |
| Volatilityi | 3.96% | 3.98% | |
| Sharpe ratioi | -1.33 | -1.34 | |
| Sortino ratioi | -1.74 | -1.74 | |
| Max drawdowni | 4.83% | 4.97% | |
| Current drawdowni | 3.04% | 3.11% | |
| Avg drawdowni | 1.48% | 1.48% | |
| Ulcer Indexi | 1.88% | 1.91% | |
| Max daily dropi | 0.84% | 0.84% | |
| Max wkly dropi | 1.65% | 1.69% | |
| 5Y | Growthi | -2.09% | -2.09% |
| CAGRi | -0.42% | -0.42% | |
| Volatilityi | 6.07% | 6.14% | |
| Sharpe ratioi | -0.78 | -0.77 | |
| Sortino ratioi | -1.06 | -1.06 | |
| Max drawdowni | 17.38% | 17.45% | |
| Current drawdowni | 3.04% | 3.11% | |
| Avg drawdowni | 7.31% | 7.33% | |
| Ulcer Indexi | 8.64% | 8.65% | |
| Max daily dropi | 1.62% | 1.68% | |
| Max wkly dropi | 3.50% | 3.50% | |
| 10Y | Growthi | +15.00% | +13.59% |
| CAGRi | +1.41% | +1.28% | |
| Volatilityi | 5.56% | 5.47% | |
| Sharpe ratioi | -0.53 | -0.56 | |
| Sortino ratioi | -0.71 | -0.74 | |
| Max drawdowni | 18.58% | 18.74% | |
| Current drawdowni | 3.86% | 4.06% | |
| Avg drawdowni | 4.95% | 5.04% | |
| Ulcer Indexi | 7.00% | 7.07% | |
| Max daily dropi | 5.44% | 5.17% | |
| Max wkly dropi | 8.05% | 7.64% |
| Category | BND | SCHZ |
|---|---|---|
| Fund name | Vanguard Total Bond Market Index Fund ETF Shares | Schwab U.S. Aggregate Bond ETF |
| Type | ETF | ETF |
| Expense ratioi | 0.03% | 0.03% |
| Total assets (AUM)i | $389.05B | $10.45B |
| Dividend yieldi | 4.17% | 4.33% |
- Broad diversification across Treasuries, agencies, and corporates
- Very low expense ratio for core bond exposure
- Massive scale and liquidity
- One of the lowest expense ratios among core aggregate bond ETFs
- No commission through Schwab brokerage accounts
- Broad diversification across Treasuries, agencies, and corporates
- Duration risk means the fund loses value when rates rise
- Lower yield than credit-focused or high-yield alternatives
- No international bond exposure on its own
- Smaller asset base and volume than BND or AGG
- Duration risk means the fund loses value when rates rise
- Nearly identical exposure to Vanguard's or iShares' aggregate bond funds
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