When investing you can lose part of your investment

4.5/5

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 ETF “s 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 ETF” s are only 0.22%.

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

Weight: 14.80% – Costs 0.20%

  • 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: 14.80% – Costs 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.

Amundi S&P 500 ESG UCITS ETF Acc PAR EUR

Weight: 9.60% – Costs 0.12%

  • 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: 14.80% – Costs 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: 6.60% – Costs 0.12%

  • 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: 9.80% – Costs 0.20%

  • 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: 14.80% – Costs 0.20%

  • 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: 14.80% – Costs 0.18%

  • 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 Last Updated Date
iShares MSCI World SRI ETF IE00BYX2JD69 14,80% 0,20% 0,01% 0,21% 09-07-2025
Amundi MSCI World SRI Climate Net Zero ETF IE000Y77LGG9 14,80% 0,18% 0,18% 09-07-2025
Amundi S 500 ESG ETF IE000KXCEXR3 9,60% 0,12% 0,01% 0,13% 09-07-2025
UBS MSCI World SRI ETF LU0950674332 14,80% 0,20% 0,20% 09-07-2025
iShares MSCI EMU ESG Enhanced ETF IE00BHZPJ015 6,60% 0,12% 0,07% 0,19% 09-07-2025
iShares MSCI Europe SRI ETF IE00B52VJ196 9,80% 0,20% 0,04% 0,24% 09-07-2025
Xtrackers MSCI World ESG ETF IE00BZ02LR44 14,80% 0,20% 0,05% 0,25% 09-07-2025
iShares MSCI EM ESG Enhanced ETF IE00BHZPJ239 14,80% 0,18% 0,11% 0,29% 09-07-2025
8 funds 100% 0,18% 0,03% 0,2158%
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 you lose part of your dividend (distribution of profit by a company because you directly or indirectly own shares) to foreign taxes that you cannot reclaim. It usually involves a small amount.

Is there dividend leakage at UpToMore?

Yes, because our ETFs are listed on foreign exchanges. At UpToMore, this amounts to approximately 0.225 percentage points of the annual return (calculation made in August 2025). However, it’s important to view dividend leakage in the bigger picture: the low costs and investment strategy of UpToMore all contribute to your total return.

Please note: Investing involves risks. You may lose part of your investment.

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