State Street® SPDR® S&P 500 Quality Aristocrats UCITS ETF (Acc)

What this fund is

State Street® SPDR® S&P 500 Quality Aristocrats UCITS ETF (Acc) is an exchange-traded fund (ETF) from SPDR, traded under the ticker QUS5 (ISIN IE000FJJZA01). One trade buys a whole basket of holdings, so your money is spread out instead of riding on a single company. In plain terms it is about owning small slices of companies, so you share in their growth when they do well — and their falls when they don't, spread across its target market. Rather than a manager picking stocks, it simply replicates the S&P 500 Quality FCF Aristocrats Index index — the passive, low-cost approach, and its largest holdings include Apple Inc., Visa Inc. Class A and Alphabet Inc. Class C.

With about 100 holdings (the ten largest ≈ 47.5%), your money is diversified rather than concentrated in a handful of names. Its biggest country exposures are ~99.6% United States and ~0.4% Ireland. Its heaviest sectors are ~42.7% Technology and ~17.2% Financials. It is commonly used to tilt a portfolio towards one market, usually alongside broader, more global funds rather than on its own. Its ongoing charge (TER) is 0.25% a year — about €25 a year on a €10,000 holding, taken automatically from the fund. Income such as dividends is automatically reinvested inside the fund (an accumulating share class), so returns compound without you doing anything.

It holds the underlying investments directly (physical replication); it is domiciled in Ireland and UCITS-regulated, a European standard built to protect everyday investors and trades in USD. On the standard KID risk scale it is rated 4 out of 7 and its price has swung about 11.4% over the past year — a gauge of how much the value moves, not a judgement of quality. It launched in 2024, and its KID suggests a holding period of 5 years. As with any investment, its value can go down as well as up, and past performance is not a guide to future results. (Fund data sourced from SPDR.)