IS3B.DE vs. 4UBF.DE
IS3B.DE (iShares Euro Corporate Bond Financials UCITS ETF) and 4UBF.DE (UBS ETF (LU) Bloomberg MSCI Euro Area Liquid Corporates Sustainable UCITS ETF (EUR) Acc) are both European Corporate Bonds funds - IS3B.DE tracks the Bloomberg Euro Aggregate Financial while 4UBF.DE tracks the Bloomberg MSCI Euro Area Liquid Corporates Sustainable. Both are passively managed. Over the past 5 years, IS3B.DE returned 0.60%/yr vs -0.09%/yr for 4UBF.DE. Their correlation of 0.88 suggests significant overlap in exposure. IS3B.DE charges 0.20%/yr vs 0.13%/yr for 4UBF.DE.
Performance
IS3B.DE vs. 4UBF.DE - Performance Comparison
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Returns By Period
In the year-to-date period, IS3B.DE achieves a 1.10% return, which is significantly lower than 4UBF.DE's 1.38% return.
IS3B.DE
- 1D
- 0.11%
- 1M
- 0.67%
- YTD
- 1.10%
- 6M
- 1.37%
- 1Y
- 2.38%
- 3Y*
- 5.39%
- 5Y*
- 0.60%
- 10Y*
- 1.38%
4UBF.DE
- 1D
- 0.00%
- 1M
- 0.56%
- YTD
- 1.38%
- 6M
- 1.46%
- 1Y
- 2.46%
- 3Y*
- 5.09%
- 5Y*
- -0.09%
- 10Y*
- —
IS3B.DE vs. 4UBF.DE - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
IS3B.DE iShares Euro Corporate Bond Financials UCITS ETF | 1.10% | 3.53% | 5.28% | 7.82% | -13.13% | -0.29% |
4UBF.DE UBS ETF (LU) Bloomberg MSCI Euro Area Liquid Corporates Sustainable UCITS ETF (EUR) Acc | 1.38% | 3.23% | 4.51% | 8.22% | -15.67% | -0.31% |
Correlation
The correlation between IS3B.DE and 4UBF.DE is 0.70, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.70 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.83 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.89 |
Correlation (All Time) Calculated using the full available price history since Apr 19, 2021 | 0.88 |
The correlation between IS3B.DE and 4UBF.DE shifts across timeframes, from 0.70 (1 year) to 0.89 (5 years), reflecting how their relationship changes across market environments.
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Return for Risk
IS3B.DE vs. 4UBF.DE — Risk / Return Rank
IS3B.DE
4UBF.DE
IS3B.DE vs. 4UBF.DE - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for iShares Euro Corporate Bond Financials UCITS ETF (IS3B.DE) and UBS ETF (LU) Bloomberg MSCI Euro Area Liquid Corporates Sustainable UCITS ETF (EUR) Acc (4UBF.DE). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| IS3B.DE | 4UBF.DE | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.02 | ||
| Sortino ratioReturn per unit of downside risk | +0.01 | ||
| Omega ratioGain probability vs. loss probability | 1.14 | 1.12 | +0.02 |
| Calmar ratioReturn relative to maximum drawdown | 0.88 | 0.86 | +0.02 |
| Martin ratioReturn relative to average drawdown | 3.08 | 2.79 | +0.29 |
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Drawdowns
IS3B.DE vs. 4UBF.DE - Drawdown Comparison
The maximum IS3B.DE drawdown since its inception was -17.05%, smaller than the maximum 4UBF.DE drawdown of -19.99%. Use the drawdown chart below to compare losses from any high point for IS3B.DE and 4UBF.DE.
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Drawdown Indicators
| IS3B.DE | 4UBF.DE | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -17.05% | -19.99% | +2.94% |
Max Drawdown (1Y)Largest decline over 1 year | -2.70% | -2.88% | +0.18% |
Max Drawdown (3Y)Largest decline over 3 years | -2.70% | -2.88% | +0.18% |
Max Drawdown (5Y)Largest decline over 5 years | -17.05% | -19.99% | +2.94% |
Max Drawdown (10Y)Largest decline over 10 years | -17.05% | — | — |
Current DrawdownCurrent decline from peak | -0.07% | -2.18% | +2.11% |
Average DrawdownAverage peak-to-trough decline | -2.94% | -8.47% | +5.53% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 0.77% | 0.88% | -0.11% |
Volatility
IS3B.DE vs. 4UBF.DE - Volatility Comparison
iShares Euro Corporate Bond Financials UCITS ETF (IS3B.DE) and UBS ETF (LU) Bloomberg MSCI Euro Area Liquid Corporates Sustainable UCITS ETF (EUR) Acc (4UBF.DE) have volatilities of 0.80% and 0.79%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| IS3B.DE | 4UBF.DE | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 0.80% | 0.79% | +0.01% |
Volatility (6M)Calculated over the trailing 6-month period | 3.15% | 3.03% | +0.12% |
Volatility (1Y)Calculated over the trailing 1-year period | 3.44% | 3.68% | -0.24% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 4.19% | 5.09% | -0.90% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 4.36% | 5.00% | -0.64% |
IS3B.DE vs. 4UBF.DE - Expense Ratio Comparison
IS3B.DE has a 0.20% expense ratio, which is higher than 4UBF.DE's 0.13% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Dividends
IS3B.DE vs. 4UBF.DE - Dividend Comparison
IS3B.DE's dividend yield for the trailing twelve months is around 3.16%, while 4UBF.DE has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
4UBF.DE UBS ETF (LU) Bloomberg MSCI Euro Area Liquid Corporates Sustainable UCITS ETF (EUR) Acc | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
IS3B.DE iShares Euro Corporate Bond Financials UCITS ETF | 3.16% | 3.08% | 2.95% | 2.42% | 1.00% | 0.75% | 0.97% | 1.09% | 1.10% | 1.12% | 1.52% | 1.70% |
Frequently Asked Questions
IS3B.DE and 4UBF.DE have a correlation of 0.70, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
On fees, 4UBF.DE is cheaper at 0.13% per year. The better choice depends on whether you care most about return, fees, risk, or income.
4UBF.DE is cheaper with a 0.13% expense ratio, compared with 0.20% for IS3B.DE.
IS3B.DE tracks Bloomberg Euro Aggregate Financial, while 4UBF.DE tracks Bloomberg MSCI Euro Area Liquid Corporates Sustainable. They also come from different issuers: iShares and UBS. Their fees differ too: 0.20% for IS3B.DE and 0.13% for 4UBF.DE.
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