OriginaveVUAA — Vanguard S&P 500 UCITS ETF (Acc)
Vanguard S&P 500 UCITS ETF (Acc): what it is, what it costs, and what its EUR line on Xetra actually returned — dividends reinvested.
Every figure here is in euros — what you'd actually pocket buying on Xetra. Fund fact sheets usually headline returns in US dollars, which can look very different: in 2025 a world tracker rose about 23% in dollars but only about 9% in euros, because the euro gained roughly 13% against the dollar. Here's the full story, year by year.
VUAA in plain words
VUAA is the Vanguard S&P 500 UCITS ETF (Acc) from Vanguard. It tracks the S&P 500 Index and costs 0.07% a year, quietly deducted from returns. No cash payouts — VUAA is an accumulating fund. Dividends are reinvested inside the fund and show up as a higher share price instead of landing in your account.
€10,000 invested at the start of 2021 was worth €20,655 by the end of 2025 — an average of 15.6% per year over 5 full years, dividends reinvested. Its best full year so far was 2021 (+42.09%), its worst 2022 (-14.58%) — the range you sign up for.
VUAA also trades in USD on the London Stock Exchange, where VUAG is its GBP line, ISIN IE00BFMXXD54 — VUSA is its distributing sibling. This page follows the EUR line.
VUAA fund facts
| Fund | Vanguard S&P 500 UCITS ETF (Acc) |
|---|---|
| Provider | Vanguard |
| Tracks | S&P 500 Index |
| Yearly cost (TER) | 0.07% |
| Dividends | Accumulating — reinvested automatically |
| Launched | 14 May 2019 |
| ISIN | IE00BFMXXD54 |
| WKN | A2PFN2 |
Curious what the index actually holds? Read our S&P 500 Index profile.
VUAA returns by year (EUR)
| Year | Total return |
|---|---|
| 2026 (so far) | +12.01% |
| 2025 | +4.28% |
| 2024 | +33.65% |
| 2023 | +22.10% |
| 2022 | -14.58% |
| 2021 | +42.09% |
Calendar-year total returns of VUAA in EUR, dividends reinvested — the ETF tracking this index, not the raw index level.
Frequently asked
Is VUAA a good investment?
VUAA is a broad, low-effort way to own the S&P 500 Index at 0.07% a year. €10,000 invested at the start of 2021 was worth €20,655 by the end of 2025 — an average of 15.6% per year over 5 full years, dividends reinvested. Whether it fits depends on your goals and horizon — past returns don't promise future ones, but this is the actual track record.
What is VUAA's TER?
VUAA's total expense ratio (TER) is 0.07% per year, deducted continuously from the fund's assets — you never get a bill, the returns are simply quoted after costs.
Does VUAA pay dividends?
No cash payouts — VUAA is an accumulating fund. Dividends are reinvested inside the fund and show up as a higher share price instead of landing in your account.
What would €10,000 invested in VUAA be worth?
€10,000 invested at the start of 2021 was worth €20,655 by the end of 2025 — an average of 15.6% per year over 5 full years, dividends reinvested.
Curious about other amounts or start years? Try the VUAA what-if calculator.