ETF Comparison
BND vs VCIT: Which Is the Better Pick in 2026?
A head-to-head comparison of Vanguard Total Bond Market ETF and Vanguard Intermediate-Term Corporate Bond ETF covering yield, cost, risk, and income potential.
Data updated April 5, 2026
Side-by-side snapshot
| BND | VCIT | |
|---|---|---|
| Full name | Vanguard Total Bond Market ETF | Vanguard Intermediate-Term Corporate Bond ETF |
| Issuer | Vanguard | Vanguard |
| Price | $73.42 | $82.52 |
| Distribution yield | 3.82% | 4.59% |
| Expense ratio | 0.03% | 0.03% |
| AUM | $395.3B | $68.5B |
| Distribution frequency | Monthly | Monthly |
| Underlying index | Bloomberg U.S. Aggregate Float Adjusted Index | USD investment-grade intermediate-term corporate bonds |
| Objective | Track the Bloomberg U.S. Aggregate Float Adjusted Index for broad U.S. bond exposure. | Provide exposure to the fund's underlying index or strategy per issuer materials. |
| Asset class | Fixed Income | Fixed Income |
| Inception date | 04/03/2007 | 11/19/2009 |
| Beta | 0.98 | 1.06 |
| Last dividend | $0.25 | $0.34 |
| Ex-dividend date | 04/01/2026 | 04/01/2026 |
Visual comparison
Key metrics
Projected income on $10K
Projections assume the current yield and share price remain constant. Actual results will vary.
Quick verdict
BND (Vanguard Total Bond Market ETF) and VCIT (Vanguard Intermediate-Term Corporate Bond ETF) are both popular monthly-pay track the bloomberg u.s. aggregate float adjusted index for broad u.s. bond exposure. ETFs, but they take different approaches.
VCIT offers the higher yield at 4.59% vs 3.82% for BND. A higher yield means more current income per dollar invested, though it may come with different risk characteristics.
They track different benchmarks: BND is linked to Bloomberg U.S. Aggregate Float Adjusted Index while VCIT tracks USD investment-grade intermediate-term corporate bonds, which means their performance drivers differ.
BND is the larger fund by assets ($395.3B), which generally means tighter spreads and better liquidity.
Deep dive
Yield & income
On a $10,000 investment, BND would generate roughly $31.83/month while VCIT would produce $38.25/month at current distribution rates. Both pay monthly distributions.
Cost & efficiency
Over 10 years on $10,000, BND would cost approximately $30 in fees vs $30 for VCIT (simplified, not compounded). Both charge the same expense ratio.
Strategy & risk
BND tracks Bloomberg U.S. Aggregate Float Adjusted Index with a track the bloomberg u.s. aggregate float adjusted index for broad u.s. bond exposure. approach, while VCIT tracks USD investment-grade intermediate-term corporate bonds using a provide exposure to the fund's underlying index or strategy per issuer materials. strategy. Beta is 0.98 for BND and 1.06 for VCIT, indicating BND is less volatile relative to the market.
Fund details
BND is managed by Vanguard (launched 04/03/2007) with $395.3B in assets. VCIT is managed by Vanguard (launched 11/19/2009) with $68.5B in assets.
Income calculator
See how much monthly income a hypothetical investment would generate in each ETF at current yields.
Frequently asked questions
Is BND or VCIT better for dividend income?
It depends on your goals. VCIT currently offers the higher distribution yield, which means more income per dollar invested. However, a lower-yield fund may offer better total return or lower volatility. Consider your time horizon and risk tolerance.
What is the difference between BND and VCIT?
BND (Vanguard Total Bond Market ETF) tracks Bloomberg U.S. Aggregate Float Adjusted Index with a track the bloomberg u.s. aggregate float adjusted index for broad u.s. bond exposure. strategy, while VCIT (Vanguard Intermediate-Term Corporate Bond ETF) tracks USD investment-grade intermediate-term corporate bonds with a provide exposure to the fund's underlying index or strategy per issuer materials. approach. They are issued by Vanguard and Vanguard respectively.
Can I hold both BND and VCIT?
Yes. Many income investors hold both to diversify across different strategies and underlying indexes. This can reduce concentration risk while maintaining a strong income stream.
Which has lower fees, BND or VCIT?
BND has an expense ratio of 0.03% while VCIT charges 0.03%. Lower fees mean more of your investment returns stay in your pocket over time.
How much income does $10,000 in BND vs VCIT generate?
At current yields, $10,000 in BND would generate roughly $31.83 per month ($382.00 annually). The same in VCIT would produce about $38.25 per month ($459.00 annually).
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