SCHQ vs. BIBL

Last updated Jun 4, 2026

SCHQ (Schwab Long-Term U.S. Treasury ETF) and BIBL (Inspire 100 ETF) are both exchange-traded funds - SCHQ is a Government Bonds fund tracking the Bloomberg U.S. Long Treasury Index, while BIBL is a Large Cap Growth Equities fund tracking the Inspire 100 Index. Both are passively managed. Over the past 5 years, SCHQ returned -5.29%/yr vs 10.11%/yr for BIBL. At a 0.00 correlation, their price movements are largely independent. SCHQ charges 0.03%/yr vs 0.35%/yr for BIBL.

Performance

SCHQ vs. BIBL - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Schwab Long-Term U.S. Treasury ETF (SCHQ) and Inspire 100 ETF (BIBL). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, SCHQ achieves a -0.43% return, which is significantly lower than BIBL's 23.84% return.

SCHQ

• 1D: -0.45%
• 1M: 0.65%
• YTD: -0.43%
• 6M: -1.74%
• 1Y: 5.22%
• 3Y*: -0.72%
• 5Y*: -5.29%
• 10Y*: —

BIBL

• 1D: 0.42%
• 1M: 5.68%
• YTD: 23.84%
• 6M: 22.77%
• 1Y: 40.34%
• 3Y*: 22.20%
• 5Y*: 10.11%
• 10Y*: —

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

SCHQ vs. BIBL - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
SCHQ Schwab Long-Term U.S. Treasury ETF	-0.43%	5.50%	-6.44%	3.43%	-29.44%	-4.86%	17.73%	-4.02%
BIBL Inspire 100 ETF	23.84%	17.27%	12.49%	17.87%	-23.26%	27.44%	22.62%	10.90%

Correlation

The correlation between SCHQ and BIBL is 0.26, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.26
Correlation (3Y) Calculated over the trailing 3-year period	0.20
Correlation (5Y) Calculated over the trailing 5-year period	0.11
Correlation (All Time) Calculated using the full available price history since Oct 11, 2019	0.00

Over the past year, SCHQ and BIBL have become more correlated (0.26) than their long-term average of 0.00, meaning their price movements have been converging.

SCHQ vs. BIBL - Sectors Allocation Comparison

Sectors	SCHQ	BIBL
Technology	4.9%	30.1%
Communication Services	3.3%	-
Financial Services	1.0%	8.3%
Basic Materials	-	4.2%
Consumer Cyclical	-	0.3%
Consumer Defensive	-	0.5%
Energy	-	6.9%
Healthcare	-	4.3%
Industrials	-	26.8%
Real Estate	-	14.7%
Utilities	-	3.5%

Return for Risk

SCHQ vs. BIBL — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SCHQ

SCHQ Risk / Return Rank: 17
SCHQ Sharpe Ratio Rank: 18
SCHQ Sortino Ratio Rank: 17
SCHQ Omega Ratio Rank: 16
SCHQ Calmar Ratio Rank: 18
SCHQ Martin Ratio Rank: 18

BIBL

BIBL Risk / Return Rank: 81
BIBL Sharpe Ratio Rank: 80
BIBL Sortino Ratio Rank: 78
BIBL Omega Ratio Rank: 75
BIBL Calmar Ratio Rank: 84
BIBL Martin Ratio Rank: 88

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SCHQ vs. BIBL - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Schwab Long-Term U.S. Treasury ETF (SCHQ) and Inspire 100 ETF (BIBL). 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.

	SCHQ	BIBL	Difference
Sharpe ratio: Return per unit of total volatility	0.59	2.62	-2.03
Sortino ratio: Return per unit of downside risk	0.91	3.53	-2.62
Omega ratio: Gain probability vs. loss probability	1.10	1.45	-0.35
Calmar ratio: Return relative to maximum drawdown	0.75	4.53	-3.79
Martin ratio: Return relative to average drawdown	1.94	19.63	-17.70
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

SCHQ vs. BIBL - Sharpe Ratio Comparison

The current SCHQ Sharpe Ratio is 0.59, which is lower than the BIBL Sharpe Ratio of 2.62. The chart below compares the historical Sharpe Ratios of SCHQ and BIBL, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	SCHQ	BIBL	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.59	2.62	-2.03
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.37	0.52	-0.88
Sharpe Ratio (All Time) Calculated using the full available price history	-0.25	0.63	-0.88

Drawdowns

SCHQ vs. BIBL - Drawdown Comparison

The maximum SCHQ drawdown since its inception was -46.13%, which is greater than BIBL's maximum drawdown of -36.12%. Use the drawdown chart below to compare losses from any high point for SCHQ and BIBL.

Drawdown Indicators

	SCHQ	BIBL	Difference
Max Drawdown Largest peak-to-trough decline	-46.13%	-36.12%	-10.01%
Max Drawdown (1Y) Largest decline over 1 year	-7.01%	-8.94%	+1.93%
Max Drawdown (3Y) Largest decline over 3 years	-17.65%	-20.60%	+2.95%
Max Drawdown (5Y) Largest decline over 5 years	-40.93%	-30.85%	-10.08%
Current Drawdown Current decline from peak	-36.82%	0.00%	-36.82%
Average Drawdown Average peak-to-trough decline	-26.36%	-7.04%	-19.32%
Ulcer Index Depth and duration of drawdowns from previous peaks	2.70%	2.06%	+0.64%

Volatility

SCHQ vs. BIBL - Volatility Comparison

The current volatility for Schwab Long-Term U.S. Treasury ETF (SCHQ) is 2.57%, while Inspire 100 ETF (BIBL) has a volatility of 4.62%. This indicates that SCHQ experiences smaller price fluctuations and is considered to be less risky than BIBL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	SCHQ	BIBL	Difference
Volatility (1M) Calculated over the trailing 1-month period	2.57%	4.62%	-2.05%
Volatility (6M) Calculated over the trailing 6-month period	5.94%	12.63%	-6.69%
Volatility (1Y) Calculated over the trailing 1-year period	8.93%	15.47%	-6.54%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	14.54%	19.59%	-5.05%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	15.33%	21.08%	-5.75%

SCHQ vs. BIBL - Expense Ratio Comparison

SCHQ has a 0.03% expense ratio, which is lower than BIBL's 0.35% expense ratio.

Dividends

SCHQ vs. BIBL - Dividend Comparison

SCHQ's dividend yield for the trailing twelve months is around 4.79%, more than BIBL's 0.95% 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%
SCHQ Schwab Long-Term U.S. Treasury ETF	4.79%	4.54%	4.58%	3.79%	2.88%	1.69%	1.51%	0.44%	0.00%	0.00%

Frequently Asked Questions

Can I hold both SCHQ and BIBL in my portfolio?

SCHQ and BIBL have a correlation of 0.26, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, SCHQ or BIBL?

BIBL has higher volatility (4.62%) compared to SCHQ (2.57%). In terms of maximum drawdown, SCHQ dropped -46.13% vs BIBL's -36.12%.

Which ETF is better, SCHQ or BIBL?

On 5-year performance, BIBL leads with 10.11% vs -5.29% for SCHQ. On fees, SCHQ is cheaper at 0.03% per year. On volatility, SCHQ has been the lower-risk option at 2.57%. The better choice depends on whether you care most about return, fees, risk, or income.

Which ETF has performed better, SCHQ or BIBL?

Over the 5-year period, BIBL has performed better with a 10.11% return vs -5.29%. Past performance does not guarantee future results, so compare this with risk, fees, and fund exposure.

Which ETF is cheaper, SCHQ or BIBL?

SCHQ is cheaper with a 0.03% expense ratio, compared with 0.35% for BIBL.

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

SCHQ has the higher dividend yield at 4.79%, compared with 0.95% for BIBL.

What is the main difference between SCHQ and BIBL?

SCHQ is categorized as Government Bonds, while BIBL is Large Cap Growth Equities. SCHQ tracks Bloomberg U.S. Long Treasury Index, while BIBL tracks Inspire 100 Index. They also come from different issuers: Charles Schwab and Inspire. Their fees differ too: 0.03% for SCHQ and 0.35% for BIBL.

Which has better risk-adjusted returns?

BIBL currently has the higher Sharpe Ratio (2.62 vs 0.59), 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.