UBS Core MSCI EMU UCITS ETF hUSD dis

What this fund is

UBS Core MSCI EMU UCITS ETF hUSD dis is an exchange-traded fund (ETF) from UBS, traded under the ticker EMUSD (ISIN LU1169819718). 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, SIEMENS AG-REG and BANCO SANTANDER SA. Geographically it leans ~9.5% Germany, ~9.1% Netherlands and ~6.4% Spain.

Its heaviest sectors are ~11.3% Technology and ~7.2% Industrials. 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 0.12% a year — about €12 a year on a €10,000 holding, taken automatically from the fund. Income such as dividends is paid out to you as cash (a distributing share class), and over the last year it paid out roughly 2.34% (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 USD.

Its price has swung about 14.1% over the past year — a gauge of how much the value moves, not a judgement of quality. 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.)