Our Investments

The UpToMore Fund invests in global stock markets in the most cost-efficient way possible with broad diversification.

We follow a passive investment strategy and invest in carefully selected passive index trackers, also known as ETF “s (exchange-traded funds). These ETF” s offer broad diversification and focus on sustainable and socially responsible investing.

All ETFs in the fund comply with Article 8 of the EU Sustainable Finance Disclosure Regulation (SFDR). By consistently choosing the most cost-efficient variants, the average annual costs of these ETFs are only 0.21%.

iShares MSCI World SRI UCITS ETF EUR (Acc) AEX EUR

Weight: 11,02% – Cost 0,21%

  • Invests globally in companies with high scores in environmental, social, and governance (ESG) areas.
  • Avoids companies involved in harmful activities, such as fossil fuels.
  • Aims to achieve sustainable growth of capital and income.

Amundi MSCI World SRI Climate Net Zero Ambition PAB UCITS ETF Acc (C)

Weight: 12.71% – Cost 0.18%

  • Focuses on companies worldwide that excel in their ESG scores and comply with the guidelines of the Paris Climate Agreement.
  • Excludes companies that have negative social or environmental impacts.
  • Aims for climate-friendly investment.

SPDR S&P 500 Leaders UCITS ETF

Weight: 16.10% – Cost 0.13%

  • Tracks the S&P 500 Index, but with a focus on sustainability.
  • Invests in American companies that meet strict ESG criteria, while maintaining a sector distribution comparable to the traditional S&P 500.

UBS (Lux) Fund Solutions MSCI World Socially Responsible UCITS ETF (USD) A-acc ETF GER EUR

Weight: 10.17% – Cost 0.20%

  • Focuses on emerging markets and invests in companies with strong ESG scores.
  • Excludes controversial sectors and follows a benchmark that aligns with EU climate transition standards.

iShares MSCI EMU ESG Enhanced UCITS ETF EUR (Acc)

Weight: 15.25% – Cost 0.19%

  • Focuses on companies from European countries within the Eurozone with strong ESG scores and low carbon emissions.
  • Avoids controversial sectors and complies with EU standards for climate transition.

iShares MSCI Europe SRI UCITS ETF EUR (Acc) AEX EUR

Weight: 8.48% – Cost 0.24%

  • Invests in sustainable companies from developed European markets with high ESG scores.
  • Avoids companies involved in harmful activities.
  • Focus on socially responsible investing.

Xtrackers MSCI World ESG UCITS ETF 1C GER EUR

Weight: 11.02% – Cost 0.25%

  • Offers global exposure to companies with excellent ESG performance and low carbon emissions.
  • Based on a broad market index and selects companies that prioritize sustainability.

iShares MSCI EM ESG Enhanced UCITS ETF USD (Acc)

Weight: 15.25% – Cost 0.29%

  • Focuses on emerging markets and invests in companies with strong ESG scores.
  • Excludes companies active in controversial sectors.
  • Follows a benchmark that complies with EU standards for climate transition.

Investment Overview

Name ISIN Weighting Ongoing Charges Transaction Costs Total Costs Date KID
iShares MSCI World SRI ETF IE00BYX2JD69 11,02% 0,20% 0,01% 0,21% 30-05-2025
Amundi MSCI World SRI Climate Net Zero ETF IE000Y77LGG9 12,71% 0,18% 0,00% 0,18% 02-04-2025
SPDR S&P 500 Leaders UCITS ETF IE00BH4GPZ28 16,10% 0,03% 0,10% 0,13% 30-05-2025
UBS MSCI World SRI ETF LU0950674332 10,17% 0,20% 0,00% 0,20% 11-06-2025
iShares MSCI EMU ESG Enhanced ETF IE00BHZPJ015 15,25% 0,12% 0,07% 0,19% 26-11-2025
iShares MSCI Europe SRI ETF IE00B52VJ196 8,48% 0,20% 0,04% 0,24% 30-05-2025
Xtrackers MSCI World ESG ETF IE00BZ02LR44 11,02% 0,20% 0,05% 0,25% 10-11-2025
iShares MSCI EM ESG Enhanced ETF IE00BHZPJ239 15,25% 0,18% 0,11% 0,29% 25-11-2025
8 funds 100% 0,15% 0,05% 0,2084%

Last update 18-12-2025.

How Sustainable is Article 8 of the SFDR Regulation?

The UpToMore Fund only invests in ETFs with the SFDR Article 8 classification. This means that these funds invest at least 80% in companies and projects where sustainability plays an important role. They focus on issues such as cleaner production, better working conditions, and equal opportunities.

Are there Sectors in which less is Invested Due to Sustainability Considerations?

We invest less in sectors that can cause significant damage, such as coal, weapons, or tobacco. At least 80% of all investments go to investments that meet sustainability criteria.

What is an ETF?

ETF stands for Exchange-Traded Fund: it’s an investment fund whose shares you can buy and sell on the stock exchange.

Such a fund typically invests in a large collection of financial products like stocks and/or bonds. When you buy a share of an ETF that focuses on stocks, you’re not investing in just one company, but in hundreds or even thousands simultaneously.

Through UpToMore, you invest in ETF “s with shares of companies worldwide. You don’t have to choose from thousands of ETF” s yourself: we’ve made a selection based on low costs, regional diversification, and sustainability.

Please note: the value of your investment can both rise and fall. You may lose (part of) your investment.

Is there Dividend Leakage?

What is dividend leakage?

Dividend leakage means that foreign tax is levied on the dividend (a company’s distribution of profit because you directly or indirectly own shares) that you, as an investor, cannot reclaim in your own tax return. It usually concerns a small amount. There is no standardised reporting from providers of investment products on the exact size of this so-called dividend leakage.

Is there dividend leakage at UpToMore?

Yes, because through our ETFs we invest in shares worldwide. At UpToMore this is estimated at 0.25% to 0.30% of the fund assets (calculation December 2025).

Be careful when comparing

Some providers claim large tax benefits (such as a “dividend benefit”) compared to other providers, without making clear how that benefit is calculated.

You need precise figures over the past years – both on the tax paid by the fund and the tax that investors can reclaim – to determine what the potential advantage for that fund could be. You can then compare that figure with other providers, provided they have a similar investment policy. Your final return is determined by more factors, including investment performance and costs.

Please note: Investing involves risks. The value of your investments can go up or down, and you may lose part or all of your initial deposit.

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