BIBL vs. TPLC

Last updated Aug 2, 2026

BIBL (Inspire 100 ETF) and TPLC (Timothy Plan Fund Timothy Plan US Large/Mid Cap Core Fund) are both exchange-traded funds - BIBL is a Large Cap Growth Equities fund tracking the Inspire 100 Index, while TPLC is a Mid Cap Growth Equities fund tracking the Victory U.S. Large Cap Volatility Weighted BRI Index. Both are passively managed. Over the past 5 years, BIBL returned 9.07%/yr vs 7.98%/yr for TPLC. Their correlation of 0.93 means they have usually moved in the same direction. BIBL charges 0.35%/yr vs 0.52%/yr for TPLC.

Performance

BIBL vs. TPLC - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Inspire 100 ETF (BIBL) and Timothy Plan Fund Timothy Plan US Large/Mid Cap Core Fund (TPLC). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, BIBL achieves a 21.43% return, which is significantly higher than TPLC's 11.20% return.

BIBL

• 1D: 0.80%
• 1M: -2.31%
• 6M: 14.67%
• YTD: 21.43%
• 1Y: 31.70%
• 3Y*: 18.28%
• 5Y*: 9.07%
• 10Y*: —
• ALL TIME*: 12.64%

TPLC

• 1D: 0.16%
• 1M: -0.50%
• 6M: 7.18%
• YTD: 11.20%
• 1Y: 13.26%
• 3Y*: 11.85%
• 5Y*: 7.98%
• 10Y*: —
• ALL TIME*: 10.96%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Liquidity Comparison

Position	Avg. Volume Value (2W)	Avg. Volume Value (1M)	Avg. Volume Value (3M)
BIBL Inspire 100 ETF	$2.49M	$2.79M	$2.92M
TPLC Timothy Plan Fund Timothy Plan US Large/Mid Cap Core Fund	$634.79K	$704.66K	$1.85M

BIBL vs. TPLC - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
BIBL Inspire 100 ETF	21.43%	17.27%	12.49%	17.87%	-23.26%	27.44%	22.62%	9.96%
TPLC Timothy Plan Fund Timothy Plan US Large/Mid Cap Core Fund	11.20%	7.08%	13.10%	15.17%	-12.58%	26.34%	14.55%	8.32%

Correlation

The correlation between BIBL and TPLC is 0.79, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.

	Correlation
Correlation (1Y) Focuses on recent behavior, but can change the most.	0.79
Correlation (3Y) Balances recent behavior with more history.	0.88
Correlation (5Y) Shows whether the relationship held over a longer period.	0.92
Correlation (All Time) Calculated using the full available price history since May 1, 2019	0.93

The correlation between BIBL and TPLC shifts across timeframes, from 0.79 (1 year) to 0.93 (all time), reflecting how their relationship changes across market environments.

BIBL vs. TPLC - Sectors Allocation Comparison

Sectors	BIBL	TPLC
Technology	33.0%	18.6%
Industrials	26.8%	23.4%
Real Estate	14.2%	0.2%
Financial Services	8.3%	11.5%
Energy	5.4%	7.2%
Healthcare	4.4%	9.6%
Basic Materials	3.8%	5.7%
Utilities	3.4%	11.2%
Consumer Defensive	0.4%	3.6%
Consumer Cyclical	0.3%	8.8%
Communication Services	-	0.2%

Return for Risk

BIBL vs. TPLC — Risk / Return Rank

Compare historical risk-adjusted metric ranks over the past 12 months.

BIBL

BIBL Risk / Return Rank: 79
BIBL Sharpe Ratio Rank: 76
BIBL Sortino Ratio Rank: 74
BIBL Omega Ratio Rank: 72
BIBL Calmar Ratio Rank: 86
BIBL Martin Ratio Rank: 86

TPLC

TPLC Risk / Return Rank: 43
TPLC Sharpe Ratio Rank: 42
TPLC Sortino Ratio Rank: 42
TPLC Omega Ratio Rank: 39
TPLC Calmar Ratio Rank: 44
TPLC Martin Ratio Rank: 50

The rank (0–100) uses a weighted average of the Sharpe, Sortino, Omega, Calmar, and Martin percentile ranks for the trailing 12 months. Higher means stronger historical risk-adjusted performance within the peer group.

BIBL vs. TPLC - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Inspire 100 ETF (BIBL) and Timothy Plan Fund Timothy Plan US Large/Mid Cap Core Fund (TPLC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	BIBL	TPLC	Difference
Sharpe ratio: Return per unit of total volatility	1.73	1.04	+0.69
Sortino ratio: Return per unit of downside risk	2.37	1.56	+0.81
Omega ratio: Gain probability vs. loss probability	1.30	1.18	+0.12
Calmar ratio: Return relative to maximum drawdown	3.38	1.59	+1.79
Martin ratio: Return relative to average drawdown	12.27	5.75	+6.52

BIBL vs. TPLC - Sharpe Ratio Comparison

The current BIBL Sharpe Ratio is 1.73, which is higher than the TPLC Sharpe Ratio of 1.04. The chart below compares the historical Sharpe Ratios of BIBL and TPLC, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

BIBL vs. TPLC - Drawdown Comparison

The maximum BIBL drawdown since its inception was -36.12%, roughly equal to the maximum TPLC drawdown of -38.02%. Use the drawdown chart below to compare losses from any high point for BIBL and TPLC.

Drawdown Indicators

	BIBL	TPLC	Difference
Max Drawdown Largest peak-to-trough decline	-36.12%	-38.02%	+1.90%
Max Drawdown (1Y) Largest decline over 1 year	-8.94%	-7.58%	-1.36%
Max Drawdown (3Y) Largest decline over 3 years	-20.60%	-18.18%	-2.42%
Max Drawdown (5Y) Largest decline over 5 years	-30.85%	-21.63%	-9.22%
Current Drawdown Current decline from peak	-5.89%	-1.31%	-4.58%
Average Drawdown Average peak-to-trough decline	-6.96%	-5.20%	-1.76%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.46%	2.09%	+0.37%

Volatility

BIBL vs. TPLC - Volatility Comparison

Inspire 100 ETF (BIBL) has a higher volatility of 5.03% compared to Timothy Plan Fund Timothy Plan US Large/Mid Cap Core Fund (TPLC) at 2.63%. This indicates that BIBL's price experiences larger fluctuations and is considered to be riskier than TPLC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	BIBL	TPLC	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.03%	2.63%	+2.40%
Volatility (6M) Calculated over the trailing 6-month period	14.49%	8.37%	+6.12%
Volatility (1Y) Calculated over the trailing 1-year period	17.45%	11.58%	+5.87%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	19.91%	16.12%	+3.79%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	21.10%	19.73%	+1.37%

BIBL vs. TPLC - Expense Ratio Comparison

BIBL has a 0.35% expense ratio, which is lower than TPLC's 0.52% expense ratio.

Dividends

BIBL vs. TPLC - Dividend Comparison

BIBL's dividend yield for the trailing twelve months is around 0.95%, more than TPLC's 0.83% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017
BIBL Inspire 100 ETF	0.95%	1.01%	0.92%	1.02%	0.98%	17.87%	1.67%	1.30%	1.49%	0.31%
TPLC Timothy Plan Fund Timothy Plan US Large/Mid Cap Core Fund	0.83%	0.89%	0.88%	0.89%	1.06%	0.61%	0.81%	0.67%	0.00%	0.00%

Frequently Asked Questions

Can I hold both BIBL and TPLC in my portfolio?

BIBL and TPLC have a correlation of 0.79, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, BIBL or TPLC?

BIBL has higher volatility (5.03%) compared to TPLC (2.63%). In terms of maximum drawdown, BIBL dropped -36.12% vs TPLC's -38.02%.

Which ETF is better, BIBL or TPLC?

On 5-year performance, BIBL leads with 9.07% vs 7.98% for TPLC. On fees, BIBL is cheaper at 0.35% per year. On volatility, TPLC has been the lower-risk option at 2.63%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, BIBL or TPLC?

Over the 5-year period, BIBL has performed better with a 9.07% return vs 7.98%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, BIBL or TPLC?

BIBL is cheaper with a 0.35% expense ratio, compared with 0.52% for TPLC.

Which ETF pays a higher dividend yield, BIBL or TPLC?

BIBL has the higher dividend yield at 0.95%, compared with 0.83% for TPLC.

What is the main difference between BIBL and TPLC?

BIBL is categorized as Large Cap Growth Equities, while TPLC is Mid Cap Growth Equities. BIBL tracks Inspire 100 Index, while TPLC tracks Victory U.S. Large Cap Volatility Weighted BRI Index. They also come from different issuers: Inspire and Timothy Plan. Their fees differ too: 0.35% for BIBL and 0.52% for TPLC.

Which has better risk-adjusted returns?

BIBL currently has the higher Sharpe Ratio (1.73 vs 1.04), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.