BIBL vs VOO
Inspire 100 ETF vs Vanguard S&P 500 ETF
Quick Verdict
VOO has a lower expense ratio. BIBL delivered stronger 1-year returns. VOO offers more diversification with 509 holdings.
Side-by-Side Comparison
| Metric | BIBL | VOO | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.03% | |
| AUM | $499M | $997.4B | |
| Dividend Yield | 0.95% | 1.08% | |
| Holdings | 100 | 509 | |
| YTD Return | +19.45% | +12.63% | |
| 1Y Return | +29.15% | +20.89% | |
| 3Y Return (annualized) | +19.42% | +21.06% | |
| 5Y Return (annualized) | +8.12% | +12.62% | |
| Volatility (annualized) | 18.1% | 14.1% | |
| Max Drawdown | -36.1% | -34.3% | |
| Fund Family | Inspire ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Oct 30, 2017 | Sep 7, 2010 |
BIBL vs VOO Performance
Inspire 100 ETF (BIBL) is a ETF from Inspire ETFs and Vanguard S&P 500 ETF (VOO) is a ETF from Vanguard (US). Over the past year BIBL returned +29.15% while VOO returned +20.89%. Year to date, BIBL is up 19.45% versus a gain of 12.63% for VOO.
Over three years, BIBL compounded at +19.42% per year against +21.06% for VOO; over five years the annualized figures are +8.12% and +12.62% respectively. Across the full 9-year window we track, VOO has the edge at +13.44% annualized vs +11.90%. 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 14.1% for VOO. 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 -34.3% for VOO. 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 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
BIBL charges 0.35% per year while VOO charges 0.03%. On a $10,000 position that is $35 vs $3 annually, a gap of $32 per year that compounds over a long holding period. On income, BIBL currently yields 0.95% against 1.08% for VOO.
Holdings Overlap
BIBL and VOO share 69 holdings out of 535 unique holdings combined, representing a 6.3% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, BIBL or VOO?
BIBL has an expense ratio of 0.35% while VOO charges 0.03%. VOO is the cheaper option. On a $10,000 investment, that is $32 per year of difference.
Which performed better, BIBL or VOO?
Over the past year BIBL returned +29.15% vs +20.89% for VOO, so BIBL leads on 1-year performance. Over the longest common window we track (9 years), BIBL annualized +11.90% vs +13.44% for VOO. Past performance does not guarantee future results.
Which is riskier, BIBL or VOO?
BIBL has been the more volatile fund at 18.1% annualized versus 14.1% for VOO. Worst drawdown: BIBL -36.1% vs VOO -34.3%.
Should I hold both BIBL and VOO?
BIBL and VOO have a monthly-return correlation of 0.94, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between BIBL and VOO?
BIBL and VOO share 69 common holdings with a 6.3% weight overlap. Combined, they hold 535 unique securities.
Which pays a higher dividend, BIBL or VOO?
BIBL yields 0.95% while VOO yields 1.08%, so VOO currently pays the higher dividend yield.
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