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BND vs SCHZ: Performance & Backtest Comparison
SCHZ delivered the higher return - 1.87% CAGR vs 1.61% - over 2011-08-31 → 2026-07-31.
Growth comparison
Drawdown
Annual returns
| BND | SCHZ | |
|---|---|---|
| Name | Vanguard Total Bond Market ETF | Schwab US Aggregate Bond ETF |
| CAGR | 1.61% | 1.87% |
| Total return | 27.05% | 31.94% |
| Volatility | 4.57% | 4.61% |
| Max drawdown | -20.63%Oct 2023 | -19.67%Oct 2023 |
| Sharpe | 0.03 | 0.09 |
| Sortino | 0.04 | 0.11 |
| Best year | 8.83% | 8.65% |
| Worst year | -14.69% | -14.22% |
| Final balance | $12,705 | $13,194 |
Correlation of monthly returns: 0.99. Wondering if you need both? Check their fund overlap →
All figures are total returns: every dividend and distribution is reinvested on its ex-date, and prices are split-adjusted. See the methodology.
Frequently asked questions
Which has performed better, BND or SCHZ?
Over 2011-08-31 to 2026-07-31, SCHZ performed better: 1.87% annualized versus 1.61% for BND, with dividends reinvested. Past performance does not guarantee future results.
How similar are BND and SCHZ?
Their monthly returns have a correlation of 0.99 over the common period. BND is Vanguard Total Bond Market ETF; SCHZ is Schwab US Aggregate Bond ETF.
Which is riskier, BND or SCHZ?
Over the common period BND had 4.57% annualized volatility and a -20.63% max drawdown, versus 4.61% and -19.67% for SCHZ.