ETF Versus

BND vs LQD

Vanguard Total Bond Market Index Fund vs iShares iBoxx $ Investment Grade Corporate Bond ETF

Last updated: 2026-04-02

BND Vanguard

Vanguard Total Bond Market Index Fund (BND) is an exchange-traded fund issued by Vanguard that provides exposure to the broad U.S. investment-grade bond market. It charges a very low expense ratio of 0.03%. The fund offers an attractive dividend yield of 3.93%. Launched in 2007, the fund has a 19-year track record.

AUM: $150.4B ER: 0.03% Yield: 3.93% Since: Apr 3, 2007
LQD iShares

iShares iBoxx $ Investment Grade Corporate Bond ETF (LQD) is an exchange-traded fund issued by iShares that provides exposure to investment-grade U.S. corporate bonds. It charges a low expense ratio of 0.14%. The fund offers a high dividend yield of 4.53%. Launched in 2002, the fund has a 24-year track record.

AUM: $29.2B ER: 0.14% Yield: 4.53% Since: Jul 22, 2002

Quick Verdict

BND is significantly cheaper at 0.03% vs 0.14% expense ratio, saving you approximately $218 per $10,000 invested over 10 years. Both funds have delivered similar 1-year returns (-0.0% vs 0.0%), tracking closely. Income investors may prefer LQD for its higher yield (4.5% vs 3.9%).

Key Metrics

Metric BND LQD
Expense Ratio 0.03% 0.14%
Dividend Yield 3.9% 4.5%
Fund Family Vanguard iShares
Category US Aggregate Bond US Investment Grade Corporate

Performance Chart

Indexed to 100 at start (5-year comparison)

75 81 87 93 99 105 2021-04 2022-06 2023-09 2024-12 2026-04
BND -13.3%
LQD -16.4%

Performance Comparison

Period BND LQD Difference
1 Month -1.63% -2.04% +0.41%
3 Months -0.84% -1.36% +0.52%
6 Months -1.20% -2.59% +1.39%
YTD -0.84% -1.36% +0.52%
1 Year -0.03% +0.00% -0.03%
3 Years -0.73% -1.16% +0.43%
5 Years -13.29% -16.40% +3.11%

Fee Impact Over Time

Estimated fee cost difference assuming 8% annual returns

Investment Period BND Fees LQD Fees You Save
$10.000 10 years $60 $278 $218
$10.000 20 years $258 $1.194 $935
$10.000 30 years $835 $3.841 $3.005
$50.000 10 years $299 $1.391 $1.092
$50.000 30 years $4.176 $19.203 $15.027
$100.000 30 years $8.352 $38.406 $30.054

Risk Metrics

Based on 5 years of daily returns

Metric BND LQD
Annualized Volatility 6.0% 8.7%
Max Drawdown -21.7% -27.9%
Sharpe Ratio -1.19 -0.89

Dividend Comparison

Metric BND LQD
Annual Dividend (per share) $2.88 $4.92
Dividend Yield 3.92% 4.53%
Distribution Frequency Monthly Monthly

Which One Should You Choose?

Choose BND if...

you want the lowest fees and plan to buy and hold long-term. Over decades, the expense ratio difference compounds significantly.

Choose LQD if...

you prioritize dividend income and want higher regular distributions from your portfolio.

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