UBS vs Xtrackers
Both providers track indices, so neither "performs" better than the other — what separates them is cost, range and which markets they actually cover. UBS has 6 products in this catalog and Xtrackers has 22, overlapping in 6 categories. Xtrackers offers the cheapest fund in 5 of those 6 categories.
UBS
- Products
- 6
- Lowest TER
- 0.10%
- Average TER
- 0.17%
- Categories
- 6
Xtrackers
- Products
- 22
- Lowest TER
- 0.07%
- Average TER
- 0.21%
- Categories
- 11
Which one is cheaper, and where
Xtrackers offers the cheapest fund in 5 of the 6 categories both cover.
The cheapest fund from each, category by category
Each provider’s lowest-fee product within every shared category, head to head. The index each one tracks is shown too, because two funds in the same category do not always track the same thing.
| Category | UBS | Xtrackers | Difference |
|---|---|---|---|
| Fixed income | UBS Bloomberg Barclays TIPS 10+Bloomberg US Treasury Inflation Linked Bond 10+0.20% | Xtrackers II EUR Overnight Rate Swap€STR (money market)0.10% | €10/year per €10,000 |
| Europe | UBS Core MSCI EMUMSCI EMU0.18% | Xtrackers DAXDAX 400.09% | €9/year per €10,000 |
| Gold | UBS GoldPhysical gold (spot price)0.23% | Xtrackers Physical Gold ETCPhysical gold (spot price)0.15% | €8/year per €10,000 |
| USA | UBS MSCI USAMSCI USA0.10% | Xtrackers S&P 500S&P 5000.07% | €3/year per €10,000 |
| Emerging | UBS MSCI Emerging MarketsMSCI Emerging Markets0.19% | Xtrackers MSCI Emerging MarketsMSCI Emerging Markets0.18% | €1/year per €10,000 |
| Global | UBS MSCI WorldMSCI World0.14% | Xtrackers FTSE All-WorldFTSE All-World0.15% | €1/year per €10,000 |
What each one covers
Only at UBS
—
Only at Xtrackers
Structural differences
UBS
- Accumulating
- 67%
- Physical replication
- 100%
- Are ETFs
- 83%
- Domicile
- Luxembourg, Switzerland
Xtrackers
- Accumulating
- 86%
- Physical replication
- 91%
- Are ETFs
- 86%
- Domicile
- Ireland, Luxembourg, Germany, Jersey
Other provider comparisons
Frequently asked questions
Is UBS or Xtrackers cheaper?+
Xtrackers offers the cheapest fund in 5 of the 6 categories both cover, against 1 for UBS. But "cheaper overall" is the wrong question: what matters is which is cheaper in the category you are actually buying.
Where is the difference between UBS and Xtrackers biggest?+
In fixed income: UBS Bloomberg Barclays TIPS 10+ charges 0.20% against 0.10% for Xtrackers II EUR Overnight Rate Swap. On €10,000 invested that is a €10.00 difference every year, in favour of Xtrackers.
Which one has the wider range?+
Xtrackers, with 22 products against 6. Coverage is not identical either: Xtrackers covers sustainable (ESG) criteria, the Japanese market, the technology sector, a specific thematic sector, listed real estate where UBS does not.
Are there structural differences beyond fees?+
Yes. UBS's products in this catalog are 67% accumulating and 100% physically replicated, domiciled in Luxembourg, Switzerland. Xtrackers's are 86% accumulating and 91% physical, domiciled in Ireland, Luxembourg, Germany, Jersey. For a Spanish investor the accumulating/distributing split matters for tax, and domicile matters for dividend withholding.
Does this comparison look at past performance?+
No, deliberately. Two funds tracking the same index deliver almost identical returns before fees, so comparing their past returns tells you about the index, not about the provider. The fee is the part the provider actually controls, and the only one you know for certain the day you invest.
Cost and coverage comparison computed over this site’s catalog, which is a sample and not each provider’s full product range. Returns are not compared: two funds tracking the same index perform almost identically before fees, so past performance tells you about the index, not the provider. Educational content, not a recommendation.