UBS Factor MSCI EMU Quality Screened UCITS ETF hCHF acc

What this fund is

UBS Factor MSCI EMU Quality Screened UCITS ETF hCHF acc is an exchange-traded fund (ETF) from UBS, traded under the ticker 0HCX (ISIN LU1215452092). 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 follows the MSCI EMU Quality index (passive investing): it tracks the market rather than relying on a manager, keeping running costs down, and its largest holdings include ASML HOLDING NV, ALLIANZ SE-REG and SCHNEIDER ELECTRIC SE. By geography it is weighted towards ~13.8% Netherlands, ~13.6% Germany and ~10.2% France.

By industry it concentrates most in ~14.9% Technology and ~7.1% 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 0.28% a year — about €28 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 CHF.

Its price has swung about 17.3% over the past year, which describes how much its price tends to move rather than whether it is good. It launched in 2015. 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.)