ML vs. BND

Last updated Apr 1, 2026

Compare and contrast key facts about MoneyLion Inc. (ML) and Vanguard Total Bond Market ETF (BND).

BND is a passively managed fund by Vanguard that tracks the performance of the Bloomberg U.S. Aggregate Float Adjusted Index. It was launched on Apr 3, 2007.

Performance

ML vs. BND - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in MoneyLion Inc. (ML) and Vanguard Total Bond Market ETF (BND). The values are adjusted to include any dividend payments, if applicable.

ML vs. BND - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
ML MoneyLion Inc.	0.00%	-0.13%	37.20%	237.04%	-84.62%	-64.34%	15.31%
BND Vanguard Total Bond Market ETF	0.05%	7.08%	1.38%	5.65%	-13.11%	-1.86%	0.83%

Returns By Period

ML

• 1D: —
• 1M: —
• YTD: —
• 6M: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

BND

• 1D: 0.22%
• 1M: -1.74%
• YTD: 0.05%
• 6M: 0.95%
• 1Y: 4.24%
• 3Y*: 3.59%
• 5Y*: 0.24%
• 10Y*: 1.67%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

ML vs. BND — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

BND

BND Risk / Return Rank: 59
BND Sharpe Ratio Rank: 60
BND Sortino Ratio Rank: 58
BND Omega Ratio Rank: 49
BND Calmar Ratio Rank: 74
BND Martin Ratio Rank: 56

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

ML vs. BND - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for MoneyLion Inc. (ML) and Vanguard Total Bond Market ETF (BND). 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.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Sharpe Ratios by Period

	ML	BND	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	0.99	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	0.04	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.30	—
Sharpe Ratio (All Time) Calculated using the full available price history	—	0.59	—

Correlation

The correlation between ML and BND is 0.06, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

ML vs. BND - Dividend Comparison

ML has not paid dividends to shareholders, while BND's dividend yield for the trailing twelve months is around 3.91%.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
ML MoneyLion Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
BND Vanguard Total Bond Market ETF	3.91%	3.86%	3.67%	3.09%	2.60%	2.12%	2.38%	2.72%	2.81%	2.54%	2.51%	2.57%

Drawdowns

Drawdown Indicators

	ML	BND	Difference
Max Drawdown Largest peak-to-trough decline	—	-18.58%	—
Max Drawdown (1Y) Largest decline over 1 year	—	-2.44%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-17.91%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-18.58%	—
Current Drawdown Current decline from peak	—	-2.58%	—
Average Drawdown Average peak-to-trough decline	—	-3.07%	—
Ulcer Index Depth and duration of drawdowns from previous peaks	—	0.89%	—

Volatility

Volatility by Period

	ML	BND	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	1.63%	—
Volatility (6M) Calculated over the trailing 6-month period	—	2.52%	—
Volatility (1Y) Calculated over the trailing 1-year period	—	4.30%	—
Volatility (5Y) Calculated over the trailing 5-year period, annualized	—	6.00%	—
Volatility (10Y) Calculated over the trailing 10-year period, annualized	—	5.52%	—