BIBL vs VYM
Inspire 100 ETF vs Vanguard High Dividend Yield ETF
Which is better, BIBL or VYM?
Large Cap Blend against Large Cap Value.
VYM has a lower expense ratio. BIBL led over 1Y, 3Y and the full window, VYM over 5Y. VYM is less concentrated, with 25.9% of the fund in its ten largest positions against 39.4%.
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 | VYM |
|---|---|---|
| Expense Ratio | 0.35% | 0.04%Best |
| AUM | $499M | $81.6B |
| Dividend Yield | 0.95% | 2.24% |
| Holdings | 100 | 613 |
| YTD Return | +20.49%Best | +15.29% |
| 1Y Return | +30.22%Best | +22.23% |
| 3Y Return (annualized) | +19.75%Best | +18.81% |
| 5Y Return (annualized) | +8.29% | +12.14%Best |
| Volatility (annualized) | 18.1% | 15.0%Best |
| Max Drawdown | -36.1% | -35.7%Best |
| $10,000 over 5 years | $14,892 | $17,734Best |
| Top 10 Weight | 39.4% | 25.9%Best |
| Fund Family | Inspire ETFs | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Value |
| Inception | Oct 30, 2017 | Nov 10, 2006 |
Volatility and max drawdown are measured over the window both funds cover: Oct 31, 2017 to Sep 3, 2026 (8.8 years).
BIBL vs VYM 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 VYM Performance
Inspire 100 ETF (BIBL) is an ETF from Inspire ETFs and Vanguard High Dividend Yield ETF (VYM) is an ETF from Vanguard (US). Over the past year BIBL returned +30.22% while VYM returned +22.23%. Year to date, BIBL is up 20.49% versus a gain of 15.29% for VYM.
Over three years, BIBL compounded at +19.75% per year against +18.81% for VYM; over five years the annualized figures are +8.29% and +12.14% respectively. Across the full 9-year window we track, BIBL has the edge at +12.00% annualized vs +10.12%.
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 15.0% for VYM. 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 -35.7% for VYM. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.87. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
BIBL charges 0.35% per year while VYM charges 0.04%. On a $10,000 position that is $35 vs $4 annually, a gap of $31 per year that compounds over a long holding period. On income, BIBL currently yields 0.95% against 2.24% for VYM.
Holdings Overlap
28.1% of BIBL's money is in holdings VYM also owns. 5.4% of VYM's money is in holdings BIBL also owns.
BIBL and VYM share little of their money.
The two holdings books were reported 48 days apart, BIBL as of Aug 17, 2026 and VYM as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
25 positions in common, counted across the 99 positions we hold weights for in BIBL and 603 in VYM, against full books of 100 and 613.
What only one of them owns
Our book lists 545 positions for VYM that do not appear in our book for BIBL (92.0% of the fund), and 72 for BIBL that do not appear in VYM (71.2%).
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.
Top Shared Holdings
| Stock | Weight in BIBL | Weight in VYM | Difference |
|---|---|---|---|
| CATCaterpillar, Inc. | 7.77% | 2.01% | 5.76% |
| PGRProgressive Corporation | 2.42% | 0.53% | 1.89% |
| SLBSchlumberger Nv. | 2.04% | 0.29% | 1.75% |
| KMIKinder Morgan Inc./de | 1.54% | 0.26% | 1.28% |
| NUENucor Corp. | 1.59% | 0.20% | 1.39% |
| PCARPaccar Inc. | 1.50% | 0.26% | 1.24% |
| FANGDiamondback Energy, Inc. | 1.36% | 0.14% | 1.22% |
| TRGPTarga Resources Corp Preferred | 1.26% | 0.24% | 1.02% |
| DVNDevon Energy Corporation | 1.26% | 0.19% | 1.07% |
| ETREntergy Corp. | 1.09% | 0.22% | 0.87% |
28.1% of BIBL is already inside VYM.
You probably hold more than these two. Add the rest and see how much of the whole book is the same companies twice.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, BIBL or VYM?
BIBL has an expense ratio of 0.35% while VYM charges 0.04%. VYM is the cheaper option, by $31 a year on a $10,000 investment.
Which performed better, BIBL or VYM?
Over the past year BIBL returned +30.22% vs +22.23% for VYM, so BIBL leads on 1-year performance. Over the longest common window we track (9 years), BIBL annualized +12.00% vs +10.12% for VYM. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BIBL or VYM?
BIBL has been the more volatile fund at 18.1% annualized versus 15.0% for VYM. Worst drawdown: BIBL -36.1% vs VYM -35.7%.
Should I hold both BIBL and VYM?
BIBL and VYM have a monthly-return correlation of 0.87, 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 VYM?
28.1% of BIBL's money is in holdings VYM also owns. 5.4% of VYM's is in holdings BIBL also owns. They hold 25 positions in common, counted across the 99 positions we hold weights for in BIBL and 603 in VYM.
Which pays a higher dividend, BIBL or VYM?
BIBL yields 0.95% while VYM yields 2.24%, so VYM currently pays the higher dividend yield.
Is VYM better than BIBL?
VYM has a lower expense ratio. BIBL led over 1Y, 3Y and the full window, VYM over 5Y. VYM is less concentrated, with 25.9% of the fund in its ten largest positions against 39.4%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.