UBS MSCI EMU Socially Responsible UCITS ETF EUR dis

UBS MSCI EMU Socially Responsible UCITS ETF EUR dis is an exchange-traded fund (ETF) from UBS, traded under the ticker UB39 (ISIN LU0629460675). 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. It passively tracks the MSCI EMU index — mirroring that market instead of paying a manager to pick winners, which keeps costs low, and its largest holdings include ASML HOLDING NV, ING GROEP NV and SCHNEIDER ELECTRIC SE. By geography it is weighted towards ~19.2% France, ~14.4% Netherlands and ~4.3% Germany. Its heaviest sectors are ~13.8% Technology and ~12.9% Financials. 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 0.2% a year — about €20 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 1.56% (its trailing yield). It holds the underlying investments directly (physical replication); it is domiciled in Luxembourg and UCITS-regulated, a European standard built to protect everyday investors and trades in EUR. Its price has swung about 14.5% over the past year — a gauge of how much the value moves, not a judgement of quality. It launched in 2011. 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.)