BIBL vs SCHD
Inspire 100 ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. BIBL delivered stronger 1-year returns. SCHD offers more diversification with 104 holdings.
Side-by-Side Comparison
| Metric | BIBL | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.06% | |
| AUM | $509M | $108.7B | |
| Dividend Yield | 0.95% | 3.13% | |
| Holdings | 101 | 104 | |
| YTD Return | +25.08% | +26.54% | |
| 1Y Return | +35.31% | +30.90% | |
| 3Y Return (annualized) | +21.71% | +16.29% | |
| 5Y Return (annualized) | +9.70% | +9.65% | |
| Volatility (annualized) | 18.2% | 13.6% | |
| Max Drawdown | -36.1% | -33.4% | |
| Fund Family | Inspire ETFs | Charles Schwab Asset Management | |
| Category | Equity | Equity | |
| Inception | Oct 30, 2017 | Oct 20, 2011 |
BIBL vs SCHD Performance
Inspire 100 ETF (BIBL) is a ETF from Inspire ETFs and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year BIBL returned +35.31% while SCHD returned +30.90%. Year to date, BIBL is up 25.08% versus a gain of 26.54% for SCHD.
Over three years, BIBL compounded at +21.71% per year against +16.29% for SCHD; over five years the annualized figures are +9.70% and +9.65% respectively. Across the full 9-year window we track, BIBL has the edge at +12.56% annualized vs +11.51%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
BIBL has been the more volatile fund, with annualized monthly volatility of 18.2% compared with 13.6% 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 worth weighing if you expect to sell during market stress rather than ride it out.
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
BIBL and SCHD share 6 holdings out of 193 unique holdings combined, representing a 4.7% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $29 per year of difference.
Which performed better, BIBL or SCHD?
Over the past year BIBL returned +35.31% vs +30.90% for SCHD, so BIBL leads on 1-year performance. Over the longest common window we track (9 years), BIBL annualized +12.56% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, BIBL or SCHD?
BIBL has been the more volatile fund at 18.2% annualized versus 13.6% 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 combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BIBL and SCHD?
BIBL and SCHD share 6 common holdings with a 4.7% weight overlap. Combined, they hold 193 unique securities.
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.
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