UBS Core MSCI EM UCITS ETF USD acc

What this fund is

UBS Core MSCI EM UCITS ETF USD acc is an exchange-traded fund (ETF) from UBS, traded under the ticker EMMUSC (ISIN LU0950674175). 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 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 follows the MSCI EM index (passive investing): it tracks the market rather than relying on a manager, keeping running costs down, and its largest holdings include TAIWAN SEMICONDUCTOR MANUFAC, SAMSUNG ELECTRONICS CO LTD and SK HYNIX INC.

By geography it is weighted towards ~19.5% Taiwan, ~14.4% South Korea and ~4.5% Cayman Islands. By industry it concentrates most in ~33.9% Technology and ~2.8% Communication Services. Investors often use a broad fund like this as a long-term 'core' holding — a single building block that covers much of a global portfolio in one trade. Its ongoing charge (TER) is 0.15% a year — about €15 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 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 USD. It launched in 2018. 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.)