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- Upturn Summary
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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
09/25/2026: BIV (3-star) is currently NOT-A-BUY. Pass it for now.
BIV offers diversified, low-cost exposure to U.S. investment-grade bonds with intermediate-term maturities, providing a balance of government stability and corporate yield. Its primary strengths are its industry-low expense ratio, broad diversification, and exceptional liquidity, making it a cornerstone for many institutional and retail bond portfolios. It is best used as a core holding for income generation and risk mitigation within a larger investment plan. The key risks for investors to monitor include interest rate volatility and inflation, which directly impact the value of intermediate-duration bonds. This ETF is well-suited for long-term investors who prioritize stability and capital preservation over aggressive growth.
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 | This fund is designed for stability and income rather than capital appreciation. |
| Momentum investor | Weak fit | Fixed income lacks the strong price momentum traits typically sought by this style. |
| Value investor | Mixed fit | Value investors may look at bonds when yields appear attractive relative to inflation expectations. |
| Dividend/Income investor | Strong fit | BIV provides reliable, consistent income payments through its diversified bond portfolio. |
| Low-risk investor | Strong fit | The intermediate duration offers a balance between income and moderate interest rate risk. |
Investor Profile
Ideal Investor Profile
Conservative to moderate investors looking for core fixed-income exposure with low costs.
Suitability
Best for long-term investors seeking to build a balanced portfolio with a stable income component.
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Volatility | Medium | Prices fluctuate based on changes in interest rates. |
| Market risk | Medium | Changes in general economic conditions impact the value of all fixed-income securities. |
| Concentration | Low | The portfolio is broadly diversified across hundreds of individual bond issues. |
| Tracking/expense | Low | Vanguard's management process effectively minimizes deviation from the index. |
| Liquidity | Low | High trading volume ensures ease of execution even during market stress. |
| Business/sector quality | Low | The fund focuses on high-quality, investment-grade issuers, limiting credit default risk. |
Risk Analysis
Volatility
BIV displays moderate volatility compared to equities, largely tied to the duration of its holdings.
Market Risk
The fund is primarily exposed to interest rate risk and, to a lesser extent, corporate credit risk.
What the ETF Owns
| Exposure Type | Exposure | Weight (%) | Retail Investor Read |
|---|---|---|---|
| Fixed-income type | U.S. Government Bonds | 60 | These holdings provide high credit quality and safety, acting as the primary stabilizer in the portfolio. |
| Fixed-income type | Investment-Grade Corporate Bonds | 38 | Corporate bonds offer a yield premium over government debt, contributing to total income generation. |
| Cash/collateral | Cash and Cash Equivalents | 2 | Minor cash positions are held to manage fund liquidity and daily flows. |
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 10.3% | 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 09/25/2026 |
ETF Fundamentals 
Source: EOD Historical Data • Updated Sep 25, 2026
Fund Basics
| Metric | Value |
|---|---|
| Fund Size (AUM) | $28.58B |
| Issuer | Vanguard |
| Expense Ratio | 0.04% |
| Distribution Yield | 4.32% |
| Inception | Apr 3, 2007 |
Performance
| Period | Total Return |
|---|---|
| YTD | -1.96% |
| 1 Year | -1.07% |
| 3 Year | +4.76% |
| 5 Year | -0.41% |
| 10 Year | +1.58% |
Risk Metrics
| Metric | Value |
|---|---|
| 1Y Volatility | 3.44% |
| 3Y Volatility | 5.79% |
| 3Y Sharpe Ratio | -0.01 |
Ratings
| Metric | Value |
|---|---|
| Morningstar Rating | ★★★★★ |
| Benchmark | BBgBarc US Agg Bond TR USD |
Top Sectors
| Sector | Weight |
|---|---|
| Basic Materials | 0.00% |
| Consumer Cyclicals | 0.00% |
| Financial Services | 0.00% |
| Real Estate | 0.00% |
Asset Allocation
Portfolio Characteristics
| Metric | Value |
|---|---|
| Holdings Turnover | 63.0% |
Top Holdings
| Holding | Weight |
|---|---|
| Wipro ADR | 0.35% |
| Dynatrace Holdings LLC | 0.11% |
| Federal National Mortgage Association | 0.10% |
| Microsoft | 0.10% |
| Friendly Hills Bank | 0.07% |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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