BIBL vs VYM
Inspire 100 ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. BIBL delivered stronger 1-year returns. VYM offers more diversification with 558 holdings.
Side-by-Side Comparison
| Metric | BIBL | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.35% | 0.04% | |
| AUM | $492M | $79.0B | |
| Dividend Yield | 0.89% | 2.86% | |
| Holdings | 101 | 568 | |
| YTD Return | +25.14% | +16.53% | |
| 1Y Return | +35.91% | +25.03% | |
| 3Y Return (annualized) | +21.33% | +18.54% | |
| 5Y Return (annualized) | +9.78% | +12.25% | |
| Volatility (annualized) | 18.2% | 14.6% | |
| Max Drawdown | -36.1% | -58.8% | |
| Fund Family | Inspire ETFs | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Oct 30, 2017 | Nov 10, 2006 |
BIBL vs VYM Performance
Inspire 100 ETF (BIBL) is a ETF from Inspire ETFs and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year BIBL returned +35.91% while VYM returned +25.03%. Year to date, BIBL is up 25.14% versus a gain of 16.53% for VYM.
Over three years, BIBL compounded at +21.33% per year against +18.54% for VYM; over five years the annualized figures are +9.78% and +12.25% respectively. Across the full 9-year window we track, BIBL has the edge at +12.57% annualized vs +7.10%. 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 14.6% 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 -58.8% for VYM. 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 0.87. 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 0.89% against 2.86% for VYM.
Holdings Overlap
BIBL and VYM share 26 holdings out of 632 unique holdings combined, representing a 5.1% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
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. On a $10,000 investment, that is $31 per year of difference.
Which performed better, BIBL or VYM?
Over the past year BIBL returned +35.91% vs +25.03% for VYM, so BIBL leads on 1-year performance. Over the longest common window we track (9 years), BIBL annualized +12.57% vs +7.10% for VYM. Past performance does not guarantee future results.
Which is riskier, BIBL or VYM?
BIBL has been the more volatile fund at 18.2% annualized versus 14.6% for VYM. Worst drawdown: BIBL -36.1% vs VYM -58.8%.
Should I hold both BIBL and VYM?
BIBL and VYM have a monthly-return correlation of 0.87, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between BIBL and VYM?
BIBL and VYM share 26 common holdings with a 5.1% weight overlap. Combined, they hold 632 unique securities.
Which pays a higher dividend, BIBL or VYM?
BIBL yields 0.89% while VYM yields 2.86%, so VYM currently pays the higher dividend yield.
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