BIBL vs VTI
Inspire 100 ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, BIBL or VTI?
Each has led over a different period.
VTI has a lower expense ratio. BIBL led over 1Y, VTI over 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.94. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 40.7%.
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 | VTI |
|---|---|---|
| Expense Ratio | 0.35% | 0.03%Best |
| AUM | $521M | $689.2B |
| Dividend Yield | 0.93% | 1.06% |
| Holdings | 200 | 3,524 |
| YTD Return | +17.71%Best | +13.02% |
| 1Y Return | +22.38%Best | +16.63% |
| 3Y Return (annualized) | +20.72% | +21.97%Best |
| 5Y Return (annualized) | +8.59% | +11.99%Best |
| Volatility (annualized) | 18.1% | 16.6%Best |
| Max Drawdown | -36.1% | -35.0%Best |
| $10,000 over 5 years | $15,099 | $17,616Best |
| Top 10 Weight | 40.7% | 33.5%Best |
| Fund Family | Inspire ETFs | Vanguard (US) |
| Category | Equity | Equity |
| Style | Large Cap Blend | Large Cap Blend |
| Inception | Oct 30, 2017 | May 24, 2001 |
Volatility and max drawdown are measured over the window both funds cover: Oct 31, 2017 to Oct 14, 2026 (9 years).
BIBL vs VTI 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 9 years both funds cover.
BIBL vs VTI Performance
Inspire 100 ETF (BIBL) is an ETF from Inspire ETFs and Vanguard Morningstar Total Stock Market ETF (VTI) is an ETF from Vanguard (US). Over the past year BIBL returned +22.38% while VTI returned +16.63%. Year to date, BIBL is up 17.71% versus a gain of 13.02% for VTI.
Over three years, BIBL compounded at +20.72% per year against +21.97% for VTI; over five years the annualized figures are +8.59% and +11.99% respectively. Across the full 9-year window we track, VTI has the edge at +13.40% annualized vs +11.55%.
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 16.6% for VTI. 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 -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
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 VTI 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 0.93% against 1.06% for VTI.
Holdings Overlap
99.2% of BIBL's money is in holdings VTI also owns. 5.6% of VTI's money is in holdings BIBL also owns.
Most of BIBL is already inside VTI. Owning both mostly buys the same companies twice.
97 positions in common, counted across the 99 positions we hold weights for in BIBL and 3,441 in VTI, against full books of 200 and 3,524.
What only one of them owns
Our book lists 1,059 positions for VTI that do not appear in our book for BIBL (92.0% of the fund), and 0 for BIBL that do not appear in VTI (0.0%).
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 VTI | Difference |
|---|---|---|---|
| CATCaterpillar, Inc. | 7.58% | 0.50% | 7.08% |
| ANETArista Networks Inc Common Stock | 5.86% | 0.28% | 5.58% |
| KLACKla Corp. | 4.99% | 0.31% | 4.68% |
| APHAmphenol Corp. Class A | 4.31% | 0.26% | 4.05% |
| WELLWelltower | 3.53% | 0.23% | 3.30% |
| IBKRInteractive Brokers Group Inc | 3.56% | 0.06% | 3.50% |
| FTNTFortinet Inc. | 2.97% | 0.14% | 2.83% |
| PHParker-Hannifin Corp. | 2.64% | 0.17% | 2.47% |
| PGRProgressive Corp. | 2.61% | 0.17% | 2.44% |
| FCXFreeport-mcmoran | 2.61% | 0.15% | 2.46% |
99.2% of BIBL is already inside VTI.
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 VTI?
BIBL has an expense ratio of 0.35% while VTI charges 0.03%. VTI is the cheaper option, by $32 a year on a $10,000 investment.
Which performed better, BIBL or VTI?
Over the past year BIBL returned +22.38% vs +16.63% for VTI, so BIBL leads on 1-year performance. Over the longest common window we track (9 years), BIBL annualized +11.55% vs +13.40% for VTI. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, BIBL or VTI?
BIBL has been the more volatile fund at 18.1% annualized versus 16.6% for VTI. Worst drawdown: BIBL -36.1% vs VTI -35.0%.
Should I hold both BIBL and VTI?
BIBL and VTI have a monthly-return correlation of 0.94, so they move almost identically. What is left to separate them is the fee and the index each one tracks. This is information, not a recommendation.
What is the holdings overlap between BIBL and VTI?
99.2% of BIBL's money is in holdings VTI also owns. 5.6% of VTI's is in holdings BIBL also owns. They hold 97 positions in common, counted across the 99 positions we hold weights for in BIBL and 3,441 in VTI.
Which pays a higher dividend, BIBL or VTI?
BIBL yields 0.93% while VTI yields 1.06%, so VTI currently pays the higher dividend yield.
Is VTI better than BIBL?
VTI has a lower expense ratio. BIBL led over 1Y, VTI over 3Y, 5Y and the full window. The two have moved almost in lockstep, correlation 0.94. VTI is less concentrated, with 33.5% of the fund in its ten largest positions against 40.7%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.