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Upturn AI Summary
Vanguard Intermediate-Term Bond Index Fund ETF Shares(BIV)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BIV
10/23/2026: BIV (3-star) is currently NOT-A-BUY. Pass it for now.
Vanguard Intermediate-Term Bond Index Fund (BIV) provides low-cost, broad exposure to investment-grade U.S. government and corporate bonds with intermediate maturities. By tracking a benchmark of high-quality debt, it serves as a foundational component for investors seeking a balance between income and capital preservation. Its key strengths include industry-leading expense ratios, high liquidity, and the backing of Vanguard’s reputable management. However, investors should be aware of interest rate risk, as the fund's price will fluctuate based on the path of central bank policy. It is best suited for conservative or long-term investors looking for a stable 'core' bond holding.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
ETF holdings, costs, diversification, valuation, risks, and market conditions provide supporting context about the fund.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | BIV provides income and stability rather than the aggressive capital appreciation typical of growth portfolios. |
| Momentum investor | Mixed fit | Strong fit while signal remains positive for interest rate trends; momentum strategies may utilize BIV during rate-cutting cycles. |
| Value investor | Mixed fit | Value investors may use BIV as a defensive placeholder when equity valuations appear overstretched. |
| Dividend/Income investor | Strong fit | BIV is an excellent tool for generating consistent, relatively low-risk interest income. |
| Low-risk investor | Strong fit | Its exposure to high-quality government and investment-grade debt makes it suitable for conservative capital preservation. |
Investor Profile
Ideal Investor Profile
The ideal investor is a long-term or core-portfolio investor looking for stability, capital preservation, and consistent income within a broader asset allocation.
Suitability
BIV is best suited for passive, long-term index followers who need a reliable fixed-income anchor for their portfolio.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | Medium | As an intermediate-term bond fund, BIV is subject to price fluctuations based on changes in interest rates. |
| Market risk | Medium | Changes in economic conditions and market sentiment can impact the valuation of corporate and government debt. |
| Concentration | Low | The fund is highly diversified across thousands of individual bond issues, minimizing single-issuer risk. |
| Tracking/expense | Low | Vanguard's efficient management structure keeps tracking error and management fees at a minimum. |
| Liquidity | Low | The high liquidity of the underlying bond markets ensures that the fund can handle significant volume without impact. |
| Business/sector quality | Low | The fund focuses on investment-grade debt, significantly reducing the probability of credit defaults. |
Risk Analysis
Volatility
BIV exhibits moderate volatility, primarily driven by the duration of its underlying bonds rather than credit risk.
Market Risk
The primary risks are interest rate risk and the inflation risk inherent in fixed-rate, intermediate-term securities.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Fixed-income type | U.S. Treasury Bonds | 55 | These high-quality government securities provide the portfolio's foundation and act as a hedge against equity market volatility. |
| Fixed-income type | Investment-Grade Corporate Bonds | 40 | Corporate bonds offer a yield premium over government debt, helping to enhance the fund's total income potential. |
| Fixed-income type | Government-Related/Agency Bonds | 5 | These securities add further diversification and stability to the fund's overall credit quality. |
Price Behavior
Flat / Range-Bound
The stock price has been trading within a narrow range with minimal directional movement.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type ETF | Historic Profit 10.31% | Avg. Invested days 76 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | ETF Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2026 |
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