UBS MSCI EMU Socially Responsible UCITS ETF EUR acc

What this fund is

UBS MSCI EMU Socially Responsible UCITS ETF EUR acc is an exchange-traded fund (ETF) from UBS, traded under the ticker EMUSRI (ISIN LU0950674761). 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. Rather than a manager picking stocks, it simply replicates the MSCI EMU index — the passive, low-cost approach, and its largest holdings include ASML HOLDING NV, SCHNEIDER ELECTRIC SE and ING GROEP NV. 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. 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 0.2% a year — about €20 a year on a €10,000 holding, taken automatically from the fund. 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 Luxembourg and UCITS-regulated, a European standard built to protect everyday investors and trades in EUR.

Its price has swung about 15.2% over the past year — a gauge of how much the value moves, not a judgement of quality. It launched in 2017. Like any investment, it can lose value as well as gain, and what it did before does not predict what it will do next. (Fund data sourced from UBS.)