UBS MSCI United Kingdom IMI Socially Responsible UCITS ETF hCHF dis

What this fund is

UBS MSCI United Kingdom IMI Socially Responsible UCITS ETF hCHF dis is an exchange-traded fund (ETF) from UBS, traded under the ticker 0Y9I (ISIN IE00BZ0RTB90). 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 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. It passively tracks the MSCI United Kingdom IMI Socially Responsible index — mirroring that market instead of paying a manager to pick winners, which keeps costs low, and its largest holdings include BARCLAYS PLC, LLOYDS BANKING GROUP PLC and HSBC HOLDINGS PLC. By geography it is weighted towards ~42% United Kingdom.

By industry it concentrates most in ~22.6% Financials and ~7.8% Consumer Staples. Funds like this are commonly chosen by investors who want a regular cash income stream rather than reinvesting everything for growth. Its ongoing charge (TER) is 0.26% a year — about €26 a year on a €10,000 holding, taken automatically from the fund. It is a distributing share class — dividends are paid to you as cash rather than reinvested, and over the last year it paid out roughly 3.29% (its trailing yield). 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 CHF.

Its price has swung about 13.6% over the past year, which describes how much its price tends to move rather than whether it is good. It launched in 2015. 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.)