BIBL vs SCHD
Inspire 100 ETF vs Schwab US Dividend Equity ETF
Which is better, BIBL or SCHD?
Large Cap Blend against Large Cap Value.
SCHD has a lower expense ratio. BIBL led over 3Y and the full window, SCHD over 1Y and 5Y. BIBL is less concentrated, with 39.4% of the fund in its ten largest positions against 41.5%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | BIBL | SCHD |
|---|---|---|
| Expense Ratio | 0.35% | 0.06%Best |
| AUM | $499M | $112.2B |
| Dividend Yield | 0.95% | 3.13% |
| Holdings | 100 | 103 |
| YTD Return | +20.49% | +28.59%Best |
| 1Y Return | +30.22% | +31.77%Best |
| 3Y Return (annualized) | +19.75%Best | +16.70% |
| 5Y Return (annualized) | +8.29% | +10.09%Best |
| Volatility (annualized) | 18.1% | 16.0%Best |
| Max Drawdown | -36.1% | -33.4%Best |
| $10,000 over 5 years | $14,892 | $16,171Best |
| Top 10 Weight | 39.4%Best | 41.5% |
| Fund Family | Inspire ETFs | Charles Schwab Asset Management |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Oct 30, 2017 | Oct 20, 2011 |
Volatility and max drawdown are measured over the window both funds cover: Oct 31, 2017 to Sep 3, 2026 (8.8 years).
BIBL vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 8.8 years both funds cover.
BIBL vs SCHD Performance
Inspire 100 ETF (BIBL) is an ETF from Inspire ETFs and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year BIBL returned +30.22% while SCHD returned +31.77%. Year to date, BIBL is up 20.49% versus a gain of 28.59% for SCHD.
Over three years, BIBL compounded at +19.75% per year against +16.70% for SCHD; over five years the annualized figures are +8.29% and +10.09% respectively. Across the full 9-year window we track, BIBL has the edge at +12.00% annualized vs +11.57%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BIBL has been the more volatile fund, with annualized monthly volatility of 18.1% compared with 16.0% for SCHD. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -36.1% for BIBL and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BIBL charges 0.35% per year while SCHD charges 0.06%. On a $10,000 position that is $35 vs $6 annually, a gap of $29 per year that compounds over a long holding period. On income, BIBL currently yields 0.95% against 3.13% for SCHD.
Holdings Overlap
4.9% of BIBL's money is in holdings SCHD also owns. 4.8% of SCHD's money is in holdings BIBL also owns.
BIBL and SCHD share little of their money.
6 positions in common, counted across the 99 positions we hold weights for in BIBL and 100 in SCHD, against full books of 100 and 103.
What only one of them owns
Our book lists 93 positions for SCHD that do not appear in our book for BIBL (95.1% of the fund), and 91 for BIBL that do not appear in SCHD (94.4%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of BIBL and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, BIBL or SCHD?
BIBL has an expense ratio of 0.35% while SCHD charges 0.06%. SCHD is the cheaper option, by $29 a year on a $10,000 investment.
Which performed better, BIBL or SCHD?
Over the past year BIBL returned +30.22% vs +31.77% for SCHD, so SCHD leads on 1-year performance. Over the longest common window we track (9 years), BIBL annualized +12.00% vs +11.57% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BIBL or SCHD?
BIBL has been the more volatile fund at 18.1% annualized versus 16.0% for SCHD. Worst drawdown: BIBL -36.1% vs SCHD -33.4%.
Should I hold both BIBL and SCHD?
BIBL and SCHD have a monthly-return correlation of 0.83, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
What is the holdings overlap between BIBL and SCHD?
4.9% of BIBL's money is in holdings SCHD also owns. 4.8% of SCHD's is in holdings BIBL also owns. They hold 6 positions in common, counted across the 99 positions we hold weights for in BIBL and 100 in SCHD.
Which pays a higher dividend, BIBL or SCHD?
BIBL yields 0.95% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than BIBL?
SCHD has a lower expense ratio. BIBL led over 3Y and the full window, SCHD over 1Y and 5Y. BIBL is less concentrated, with 39.4% of the fund in its ten largest positions against 41.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.