UBS MSCI Europe Socially Responsible UCITS ETF hEUR acc

UBS MSCI Europe Socially Responsible UCITS ETF hEUR acc is an exchange-traded fund (ETF) from UBS, traded under the ticker UIW3 (ISIN LU2206598109). 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, focused on the European market. It follows the MSCI Europe 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, SCHNEIDER ELECTRIC SE and ABB LTD-REG. By geography it is weighted towards ~18.6% Switzerland, ~9.5% Netherlands and ~7.8% France. Its heaviest sectors are ~10.7% Technology and ~10.6% Industrials. 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 0.21% a year — about €21 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 13.3% over the past year — a gauge of how much the value moves, not a judgement of quality. It launched in 2021. 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.)