State Street® SPDR® Bloomberg 1-3 Year U.S. Treasury Bond UCITS ETF (Acc)

State Street® SPDR® Bloomberg 1-3 Year U.S. Treasury Bond UCITS ETF (Acc) is an exchange-traded fund (ETF) from SPDR, traded under the ticker TRA3 (ISIN IE000ZMFFPP4). It lets you buy a basket of holdings in a single trade, spreading your money across them rather than one company. In plain terms it is about lending to governments and companies in return for regular interest, which tends to be steadier than shares but grows more slowly, spread across its target market. It passively tracks the ® ® Bloomberg 1-3 Year U.s. Treasury Bond index — mirroring that market instead of paying a manager to pick winners, which keeps costs low, and its largest holdings include US TREASURY N/B 3.5 01/31/2028, US TREASURY N/B 4.625 04/30/2029 and US TREASURY N/B 3.375 12/31/2027. It holds around 95 positions (the ten largest ≈ 16.1%), spreading risk so no single holding decides your outcome. Its biggest country exposures are ~99.9% United States. Its heaviest sectors are ~99.9% Government. Funds like this are often used as the steadier, lower-swing part of a portfolio — the ballast that cushions the ups and downs of shares. Its ongoing charge (TER) is 0.05% a year — about €5 a year on a €10,000 holding, taken automatically from the fund; counting the trading costs inside the fund, the all-in figure is around 0.08%. 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 2 out of 7 and its price has swung about 38.9% over the past year — a gauge of how much the value moves, not a judgement of quality. It launched in 2026, and its KID suggests a holding period of 3 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.)