Europe funds and ETFs you can track in Neto

This covers products focused on European companies, all of Europe, the eurozone alone, or a specific index such as the EURO STOXX. It's the closest exposure for anyone who earns and invests in euros.

It's worth checking whether the product covers Europe or only the eurozone: they aren't the same. The first includes the UK and Switzerland, with their own currencies; the second stays inside the euro and spares you the exchange-rate effect.

There are 9 providers in this family; the three with the biggest presence in the catalogue are iShares (8), Vanguard (4), Amundi (2). Of the 21 products, 18 are accumulating (they reinvest dividends) and 3 are distributing (they pay them out). It's the difference anyone after income notices most. By base currency: EUR (21). The listed ones trade mostly on Euronext Amsterdam (4), Xetra (3), Euronext Paris (1).

This is the selection included in the app catalogue today.

Of these, 13 are funds identified by ISIN, and the rest are exchange-traded ETFs identified by ticker.

Product	ISIN / Ticker	Type	Market	Currency	Dividends	Ongoing charge (TER)
Vanguard FTSE Developed Europe UCITS ETF (Dist)	VEUR.AS	ETF	Euronext Amsterdam	EUR	Distributing	0.10%
Amundi Core Stoxx Europe 600 UCITS ETF (Acc)	MEUD.PA	ETF	Euronext Paris	EUR	Accumulating	0.07%
iShares Core EURO STOXX 50 UCITS ETF EUR (Acc)	SXRT.DE	ETF	Xetra	EUR	Accumulating	0.10%
iShares STOXX Europe 600 UCITS ETF (DE) (Dist)	EXSA.DE	ETF	Xetra	EUR	Distributing	0.20%
iShares Core MSCI Europe UCITS ETF EUR (Acc)	IMAE.AS	ETF	Euronext Amsterdam	EUR	Accumulating	0.12%
iShares Core MSCI Europe UCITS ETF (Acc)	IMEU.L	ETF	Euronext Amsterdam	EUR	Accumulating	0.12%
iShares STOXX Europe 600 UCITS ETF (Dist)	SXR7.DE	ETF	Xetra	EUR	Distributing	0.20%
iShares MSCI Europe SRI UCITS ETF (Acc)	IESE.L	ETF	Euronext Amsterdam	EUR	Accumulating	0.20%
Vanguard European Stock Index Fund Investor EUR Acc	IE0007987690	Index fund	Fund (not listed)	EUR	Accumulating	0.12%
Amundi Index MSCI Europe AE-C	LU0389811885	Index fund	Fund (not listed)	EUR	Accumulating	0.30%
Fidelity MSCI Europe Index Fund P-ACC-EUR	IE00BYX5MD61	Index fund	Fund (not listed)	EUR	Accumulating	0.10%
iShares Europe Index Fund (IE) D Acc EUR	IE00BDRK7L36	Index fund	Fund (not listed)	EUR	Accumulating	0.10%
iShares Europe ex-UK Index Fund (IE) D Acc EUR	IE00BD0NCR01	Index fund	Fund (not listed)	EUR	Accumulating	0.10%
ING Direct Fondo Naranja Euro Stoxx 50 FI	ES0152771038	Index fund	Fund (not listed)	EUR	Accumulating	1.10%
Pictet-Europe Index P EUR	LU0130731390	Index fund	Fund (not listed)	EUR	Accumulating	0.45%
CaixaBank Bolsa Índice Euro FI Clase Estándar	ES0138792033	Index fund	Fund (not listed)	EUR	Accumulating	1.06%
Bindex Europa Índice FI	ES0114564000	Index fund	Fund (not listed)	EUR	Accumulating	0.11%
Vanguard European Stock Index Fund Institutional Plus EUR Acc	IE00BFPM9L96	Index fund	Fund (not listed)	EUR	Accumulating	0.08%
Vanguard European Stock Index Fund EUR Acc	IE0007987708	Index fund	Fund (not listed)	EUR	Accumulating	0.12%
Magallanes European Equity M FI	ES0159259011	Actively managed fund	Fund (not listed)	EUR	Accumulating	1.81%
Magallanes European Equity E FI	ES0159259003	Actively managed fund	Fund (not listed)	EUR	Accumulating	0.56%

• Open Neto and go to Investments (a Neto PRO feature).
• Search for the product by ISIN (funds) or by ticker (ETFs).
• Enter your units and your average purchase price.
• The app updates the price and recalculates your net worth on its own.

Everything you add feeds the same number you see on the main screen, so you don't keep one app for spending and another for investments: it's the same picture.

Do these products protect me from currency risk?

Only the eurozone ones. Broad Europe products include the UK and Switzerland, which have their own currencies, so there is an exchange-rate effect there even when the product is denominated in euros.

Is the Spanish stock market in these indices?

In the Europe and eurozone ones, yes. The EURO STOXX 50 only takes the largest eurozone companies, and Spain contributes a handful. The detail depends on the specific index in each row of the table.

Which index funds in the European family can Neto track?

The catalogue currently includes: Vanguard European Stock Index Fund Investor EUR Acc (ISIN IE0007987690, TER 0.12%); Amundi Index MSCI Europe AE-C (ISIN LU0389811885, TER 0.30%); Fidelity MSCI Europe Index Fund P-ACC-EUR (ISIN IE00BYX5MD61, TER 0.10%); iShares Europe Index Fund (IE) D Acc EUR (ISIN IE00BDRK7L36, TER 0.10%); iShares Europe ex-UK Index Fund (IE) D Acc EUR (ISIN IE00BD0NCR01, TER 0.10%); ING Direct Fondo Naranja Euro Stoxx 50 FI (ISIN ES0152771038, TER 1.10%); Pictet-Europe Index P EUR (ISIN LU0130731390, TER 0.45%); CaixaBank Bolsa Índice Euro FI Clase Estándar (ISIN ES0138792033, TER 1.06%); Bindex Europa Índice FI (ISIN ES0114564000, TER 0.11%); Vanguard European Stock Index Fund Institutional Plus EUR Acc (ISIN IE00BFPM9L96, TER 0.08%); Vanguard European Stock Index Fund EUR Acc (ISIN IE0007987708, TER 0.12%).

What's the difference between an ETF and an index fund in the European family?

Both can track the same index, but you buy and sell them differently. An ETF is listed on an exchange like a share: you trade it through a broker during the session and its price moves throughout the day. An index fund isn't listed: you subscribe and redeem at its net asset value, which is usually calculated once a day. In Spain the tax treatment differs too: switches between investment funds can be made without paying tax at that point (article 94 of Law 35/2006 on personal income tax) and, as a general rule, ETFs are excluded from that regime. Neto tracks both the same way.

Can I track a fund or ETF from this family that isn't on this list?

Yes. The app lets you search more than 10,000 assets by name, ticker or ISIN, and this list is only part of them. If it still doesn't show up, add it by hand at its value.