Inspire 100 ETF

Inspire 100 ETF (BIBL) is an index fund that holds about 100 large US companies chosen by Inspire's biblical-values screen. It tracks the Inspire 100 Index. Two things set it apart. First, it excludes companies tied to areas such as abortion, alcohol, gambling and LGBT activism. Second, it is concentrated: its top 10 holdings made up about 41% of assets as of May 31, 2026. Its 0.35% expense ratio is well above the 0.09% charged by the Inspire 500 ETF (PTL).

• Over the year to Oct 27, 2026, BIBL returned +18.6%, 1st of 5 among similar funds.
• Its 5-year annualized return was +8.3%.
• In the 2020 COVID crash it fell 36.1% and regained its old high 4.2 months after the low.
• Its worst full calendar year was 2022 (-23.3%); its best was 2019 (+29.6%).
• The deepest fall in its price history was 36.1% (Feb 19, 2020 to Mar 23, 2020), recovered by Jul 29, 2020.

As of May 31, 2026, the fund held 100 securities; the ten largest made up 40.61% of assets.

By sector

• Over the three months to May 31, 2026, investors added a net $24.9M (creations minus redemptions, per the N-PORT report).
• Monthly total returns reported for that quarter: -5.63%, +12.80%, +1.71%.

BIBL is an index fund. It tries to match the Inspire 100 Index, before fees, and puts at least 80% of its total assets into the index's stocks. One unusual feature: Inspire Investing, LLC both builds the index and advises the fund, so the same firm sets the rules and runs the portfolio. The index starts with US large companies, which Inspire defines as the largest 10% of the US stock market. It keeps only those with an Inspire Impact Score of zero or higher.

The Impact Score is Inspire's own rating. It measures how well a company lines up with biblical values and how much good it does in the world. A company gets a negative score and is dropped if it falls into an excluded category. These include abortifacients (a category that covers some contraceptives), abortion activism, abortion services, alcohol, cannabis, embryonic stem cells, exploitation, gambling, in vitro fertilization and LGBT activism. Inspire says it can't track everything a company does, and a score may lag behind new information. Other investors may also disagree about what counts as a violation.

As of May 31, 2026, the fund held 100 stocks, kept 0.3% in cash and used no derivatives. Holdings are not equal in size: Caterpillar was 8.8% of assets, KLA 5.4% and Arista Networks 4.8%. Portfolio turnover was 19%, a measure of how much of the portfolio was traded over the year. The fund uses no leverage or options.

• BIBL charges 0.35% a year, versus an average of 0.32% for the similar funds below (3rd of 5, cheapest first).
• Of that, 0.3% is the management fee; the rest covers other fund expenses.
• The fee includes a 0.06% waiver from the adviser, which may end.
• Using the prospectus's standard example, $10,000 invested would cost about $36 in the first year and $512 over 10 years (assuming a 5% annual return).

It is a concentrated, values-screened stock fund that has moved a bit more than the market (beta of 1.11), so it fits best as a smaller slice next to broader holdings.

BIBL could give investors a faith-screened slice of their stock allocation, but its losses have been deep. It fell 36.1% from February 19 to March 23, 2020, then recovered by July 29, 2020. The 2022 drop took longer to heal. It fell 29.4% from January 4 to October 12, 2022, and didn't get back to its old high until March 21, 2024, about 17 months later. The fund returned -23.39% in calendar 2022. Anyone who had to sell shares or draw income during that stretch would have locked in losses. Over the five years to December 31, 2025, it returned 8.75% a year, against 14.42% for the S&P 500. Income is small: the yield was 0.93% as of October 27, 2026, paid quarterly. The fund launched in 2017, so it has no record from 2008. Past results don't predict future ones, and any plan should look at the whole portfolio, not one fund.

Matched by holdings overlap from the latest N-PORT reports.