BIV vs. MYCI
BIV (Vanguard Intermediate-Term Bond Index ETF) and MYCI (State Street My2029 Corporate Bond ETF) are both exchange-traded funds - BIV is a Intermediate Core Bond fund tracking the Bloomberg U.S. 5–10 Year Government/Credit Float Adjusted Bond Index, while MYCI is a Corporate Bonds fund actively managed by State Street. BIV is passively managed, while MYCI is actively managed. Over the past year, BIV returned 3.84% vs 4.23% for MYCI. Their correlation of 0.93 suggests significant overlap in exposure. BIV charges 0.03%/yr vs 0.15%/yr for MYCI.
Performance
BIV vs. MYCI - Performance Comparison
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Returns By Period
In the year-to-date period, BIV achieves a -0.13% return, which is significantly lower than MYCI's 0.55% return.
BIV
- 1D
- 0.10%
- 1M
- 0.53%
- YTD
- -0.13%
- 6M
- 0.01%
- 1Y
- 3.84%
- 3Y*
- 4.38%
- 5Y*
- 0.22%
- 10Y*
- 1.83%
MYCI
- 1D
- 0.14%
- 1M
- 0.33%
- YTD
- 0.55%
- 6M
- 0.87%
- 1Y
- 4.23%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
BIV vs. MYCI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | |
|---|---|---|---|
BIV Vanguard Intermediate-Term Bond Index ETF | -0.13% | 8.52% | -3.53% |
MYCI State Street My2029 Corporate Bond ETF | 0.55% | 7.59% | -1.58% |
Correlation
The correlation between BIV and MYCI is 0.92, indicating a strong positive relationship between their price movements. Combining them offers limited diversification - they tend to fall together during downturns.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.92 |
Correlation (All Time) Calculated using the full available price history since Sep 24, 2024 | 0.93 |
The correlation between BIV and MYCI has been stable across timeframes, ranging from 0.92 to 0.93 - a consistent structural relationship.
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Return for Risk
BIV vs. MYCI — Risk / Return Rank
BIV
MYCI
BIV vs. MYCI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Vanguard Intermediate-Term Bond Index ETF (BIV) and State Street My2029 Corporate Bond ETF (MYCI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| BIV | MYCI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.99 | ||
| Sortino ratioReturn per unit of downside risk | -1.49 | ||
| Omega ratioGain probability vs. loss probability | 1.17 | 1.37 | -0.21 |
| Calmar ratioReturn relative to maximum drawdown | 1.22 | 2.71 | -1.50 |
| Martin ratioReturn relative to average drawdown | 3.38 | 9.68 | -6.30 |
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Drawdowns
BIV vs. MYCI - Drawdown Comparison
The maximum BIV drawdown since its inception was -18.95%, which is greater than MYCI's maximum drawdown of -2.43%. Use the drawdown chart below to compare losses from any high point for BIV and MYCI.
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Drawdown Indicators
| BIV | MYCI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -18.95% | -2.43% | -16.52% |
Max Drawdown (1Y)Largest decline over 1 year | -3.18% | -1.56% | -1.62% |
Max Drawdown (3Y)Largest decline over 3 years | -6.07% | — | — |
Max Drawdown (5Y)Largest decline over 5 years | -18.74% | — | — |
Max Drawdown (10Y)Largest decline over 10 years | -18.95% | — | — |
Current DrawdownCurrent decline from peak | -1.93% | -0.46% | -1.47% |
Average DrawdownAverage peak-to-trough decline | -3.38% | -0.54% | -2.84% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.14% | 0.44% | +0.70% |
Volatility
BIV vs. MYCI - Volatility Comparison
Vanguard Intermediate-Term Bond Index ETF (BIV) has a higher volatility of 1.23% compared to State Street My2029 Corporate Bond ETF (MYCI) at 0.69%. This indicates that BIV's price experiences larger fluctuations and is considered to be riskier than MYCI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| BIV | MYCI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 1.23% | 0.69% | +0.54% |
Volatility (6M)Calculated over the trailing 6-month period | 3.03% | 1.59% | +1.44% |
Volatility (1Y)Calculated over the trailing 1-year period | 4.04% | 2.18% | +1.86% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 6.40% | 3.01% | +3.39% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 5.50% | 3.01% | +2.49% |
BIV vs. MYCI - Expense Ratio Comparison
BIV has a 0.03% expense ratio, which is lower than MYCI's 0.15% expense ratio. Despite the difference, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
BIV vs. MYCI - Dividend Comparison
BIV's dividend yield for the trailing twelve months is around 4.21%, less than MYCI's 4.57% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
BIV Vanguard Intermediate-Term Bond Index ETF | 4.21% | 4.01% | 3.79% | 3.09% | 2.41% | 3.42% | 2.95% | 2.75% | 2.88% | 2.69% | 3.01% | 3.02% |
MYCI State Street My2029 Corporate Bond ETF | 4.57% | 4.56% | 1.19% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Frequently Asked Questions
With a correlation of 0.92, BIV and MYCI move almost identically. Holding both adds very little diversification - you're essentially doubling your position in the same market segment. Choosing one is usually more capital-efficient.
BIV has higher volatility (1.23%) compared to MYCI (0.69%). In terms of maximum drawdown, BIV dropped -18.95% vs MYCI's -2.43%.
On 1-year performance, MYCI leads with 4.23% vs 3.84% for BIV. On fees, BIV is cheaper at 0.03% per year. On volatility, MYCI has been the lower-risk option at 0.69%. The better choice depends on whether you care most about return, fees, risk, or income.
Over the 1-year period, MYCI has performed better with a 4.23% return vs 3.84%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.
BIV is cheaper with a 0.03% expense ratio, compared with 0.15% for MYCI.
MYCI has the higher dividend yield at 4.57%, compared with 4.21% for BIV.
BIV is categorized as Intermediate Core Bond, while MYCI is Corporate Bonds. They also come from different issuers: Vanguard and State Street. Their fees differ too: 0.03% for BIV and 0.15% for MYCI.
MYCI currently has the higher Sharpe Ratio (1.95 vs 0.96), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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