UBS CMCI Commodity Carry SF UCITS ETF hCHF acc

What this fund is

UBS CMCI Commodity Carry SF UCITS ETF hCHF acc is an exchange-traded fund (ETF) from UBS, traded under the ticker COSIC (ISIN IE00BMC5DW92). In a single purchase you get a diversified basket of holdings rather than a stake in just one business. In plain terms it is about tracking physical commodities like gold or oil, which often move differently from shares and are used to spread risk or hedge inflation, spread across its target market. It is typically held as a diversifier — a slice that behaves differently from mainstream shares — rather than as a portfolio's main engine.

Its ongoing charge (TER) is 0.34% a year — about €34 a year on a €10,000 holding, taken automatically from the fund. It is an accumulating share class: dividends are rolled straight back in, compounding your returns rather than landing in your account as cash. It tracks its index through a swap agreement rather than owning every holding (synthetic replication); it is domiciled in Ireland and UCITS-regulated, a European standard built to protect everyday investors and trades in CHF. Its price has swung about 22.7% over the past year, which describes how much its price tends to move rather than whether it is good.

It launched in 2020. 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 UBS.)