Title: UCITS KIID - Vanguard EUR Cash UCITS ETF - (EUR) Distributing Shares - IE000AFVKJZ0 - en - GB URL Source: https://docs.oppl.io/etf/IE000AFVKJZ0_17-02-2026.pdf Published Time: Fri, 19 Jun 2026 13:01:36 GMT Number of Pages: 2 Markdown Content: Key Investor Information This document provides you with key investor information about this fund. It is not marketing material. The information is required by law to help you understand the nature and the risks of investing in this fund. You are advised to read it so you can make an informed decision about whether to invest. # Vanguard EUR Cash UCITS ETF (the "Fund") A sub-fund of Vanguard Funds PLC (EUR) Distributing Shares ISIN: IE000AFVKJZ0 Manager: Vanguard Group (Ireland) Limited (“VGIL”) # Objectives and investment policy • The Fund aims to preserve capital, maintain a high level of liquidity within the Fund’s portfolio of assets and provide a return in line with Euro money market rates. Money invested in the Fund is not protected or guaranteed. • The Fund is a Short-Term Variable NAV Money Market Fund in accordance with the EU Money Market Fund Regulation and will comply with the investment and diversification restrictions set out in the Fund Supplement. • The Fund employs an “active management” strategy in seeking to achieve its objective by investing in securities that are eligible assets according to Article 9 of the EU MMFR . The Fund seeks to primarily invest in high-quality EUR denominated Treasury Bills (short-term securities issued by Governments), Agency and Supranational issued commercial paper (unsecured short-term debt instruments issued by corporations or other entities including public or local authorities), Time Deposits (fixed term investment that gathers interest over the period of its term) and reverse repurchase agreements (instruments under which the Fund acquires ownership of securities from a seller who agrees to repurchase the securities at a mutually agreed date and at an agreed repurchase price). • The Fund may measure its performance against the compounded Euro Short-Term Rate (€STR), the rate published by the European Central Bank, which reflects the wholesale euro unsecured overnight borrowing costs of banks located in the Euro area. The Investment Manager has discretion to select the Fund’s investments and is not restricted to selecting investments from any benchmark. • The securities held by the Fund may be issued or guaranteed by Governments, Government Agencies or Local Authorities (including those that do not participate in the Economic and Monetary Union (EMU)), Supranational bodies or corporate issuers. • The weighted average maturity of the Fund’s portfolio will not exceed 60 days, and the weighted average life of the Fund’s portfolio will not exceed 120 days. At least 7.5% of the Fund’s portfolio will be daily maturing assets, reverse repurchase agreements or cash which may be terminated or withdrawn by giving prior notice of one working day. At least 15% of the Fund’s portfolio will be comprised of weekly maturing assets, reverse repurchase agreements or cash which may be terminated or withdrawn by giving prior notice of five working days and money market instruments or units or shares in other money market funds provided they can be redeemed and settled within five working days (provided such money market instrument or units or shares will only constitute a maximum of 7.5% of the weekly maturing assets). • The Fund will only invest in EUR denominated securities (which may include securities from issuers inside and outside the EMU) that are high credit quality pursuant to the Manager's internal credit quality assessment procedure and with a maturity at issuance or residual term to maturity of 397 days or less. • The Fund is appropriate for short-term investment (less than 1 year). • The Fund is not recommended for investors seeking an increase in the value of investments over the long-term. • The base currency of the Fund is EUR. • Income from the ETF Shares will be paid out. • Portfolio transaction costs will have an impact on performance. • ETF Shares in the Fund can be bought or sold on a daily basis (save on certain bank / public holidays and subject to certain restrictions described in Appendix 1 of the Prospectus or in a separate Supplement). ETF Shares are listed on one or more stock exchange(s). Subject to certain exceptions set out in the Prospectus, investors who are not Authorised Participants may only buy or sell ETF Shares through a company that is a member of a relevant stock exchange at any time when that stock exchange is open for business. A list of the days on which shares in the Fund cannot be bought or sold is available on https://fund-docs.vanguard.com/holiday- calendar-vanguard-funds-plc-ETFs.pdf For further information about the objectives and investment policy of the Fund please see the supplement for the Fund ("Supplement") and Appendix 6 of the Vanguard Funds plc prospectus (the "Prospectus") on our website at https://global.vanguard.com # Risk and reward profile > Lower risk Higher risk > Typically lower rewards Typically higher rewards # 1 2 3 4 5 6 7 • This indicator is based on historical data and may not be a reliable indication of the future risk profile of the Fund. • The risk category shown is not guaranteed and may change over time. • The lowest category does not mean “risk free”. • The Fund is rated 1 due to the nature of its investments which include the risks listed below. These factors may impact the value of the Fund's investments or expose the Fund to losses. - The value of bonds and fixed income-related securities is affected by influential factors such as interest rates, inflation, credit spreads and volatility which, in turn, are driven by other factors including political, economic news, company earnings and significant corporate events. The risk and reward indicator does not take account of the following risks of investing in the Fund: • Counterparty risk. The insolvency of any institutions providing services such as safekeeping of assets or acting as counterparty to other instruments, may expose the Fund to financial loss. • Credit risk. The issuer of a financial asset held within the Fund may not pay income or repay capital to the Fund when due. • Negative Yield Environment risk. In the event of a low interest rate, deflationary or other such environment, certain money market instruments in which the Fund invests may trade at a negative yield. • An investment in a money market fund is not a guaranteed investment. An investment in a money market fund is different from an investment in deposits, as the amount invested in a money market fund is capable of fluctuation. Money market funds do not rely on external support for guaranteeing the liquidity of the money market fund or stabilising the Net Asset Value per share. The risk of loss of the amount invested shall be borne by the investor. For further information on risks please see the “Risk Factors” section of the Prospectus on our website at https://global.vanguard.com Charges The charges you pay are used to pay the costs of running the Fund, including the costs of marketing and distributing it. These charges reduce the potential growth of your investment. One-off charges taken before or after you invest Entry charge* None Exit charge* None This is the maximum that might be taken out of your money before it is invested / before the proceeds of your investment are paid out. Charges taken from the Fund over a year Ongoing charges 0.07% Charges taken from the Fund under certain specific conditions Performance fee None Investors who are not Authorised Participants ("APs") may have to pay fees to a stockbroker when you buy or sell on stock exchange(s). The fees are available directly from your stockbroker and are not charged by, or payable to, the Fund. The entry and exit charges shown are maximum figures and in some cases you might pay less. Investors can find out the actual entry and exit charges from their distributor and or adviser. APs dealing directly with the Fund will pay related transaction costs. For cash creations or redemptions there may be a cash transaction fee of a maximum of 2% which is paid to the Fund, and all transactions will have associated transaction costs. Investors who are not APs will not pay these fees or costs. * In the case of a large subscription or redemption by an investor, that investor may have to pay an additional charge (e.g. anti-dilution levy) to the Fund to cover transaction costs incurred. Ongoing charges have not been based on an ex-post calculation as the share class was launched less than one calendar year ago. Ongoing charges have accordingly been estimated based on the expected total of charges that will be taken from the assets of the Fund over the course of a year. It excludes portfolio transaction costs. For further information about charges, please see the Supplement and the sections entitled “Buying Shares”, “Redeeming Shares”, and “Fees and Expenses” in the Prospectus on our website at https://global.vanguard.com > 2021 2022 2023 2024 2025 #  Fund #  Euro Short-Term Rate (€STR) • Shares in the Fund were first issued in 2025. • This share class was launched in 2025. # Practical information • Depositary: Brown Brothers Harriman Trustee Services (Ireland) Limited. • Documents, prices of shares and further information: You can obtain copies of the Prospectus and the latest annual and semi-annual report and accounts for Vanguard Funds plc (“VF”) along with the latest published prices of shares and other practical information, from VF c/o Brown Brothers Harriman Fund Administration Services (Ireland) Limited, 30 Herbert Street, Dublin 2, D02 W329, Ireland or from our website at https://global.vanguard.com . Information on the Fund's portfolio disclosure policy and publication of the iNAV can be obtained at https://global.vanguard.com/portal/site/portal/ucits- documentation . The documents are available in English and are free of charge. • Prices: The last published prices of shares in the Fund are also available from the FT's website www.ft.com or https://global.vanguard.com . • Tax: VF is subject to the tax laws of Ireland. Depending on your country of residence, this may have an impact on your personal tax position. You are recommended to consult your professional tax adviser. • Liability: VGIL may be held liable solely on the basis of any statement contained in this document that is misleading, inaccurate or inconsistent with the relevant parts of the Prospectus for VF. 1 • Sub-funds: VF is an umbrella fund with a number of sub-funds. This document describes a sub-fund of VF. The prospectus and periodic reports are prepared for the entire company. • VF is an umbrella Fund with segregated liability between sub-funds. This means that the holdings of the Fund are maintained separately under Irish law from holdings of other sub-funds of VF and your investment in the Fund will not be affected by any claims against any other sub-fund of VF. • Shares: ETF Shares in the Fund may not be exchanged for ETF Shares in any other sub-funds of VF, however APs may, with prior approval, switch ETF Shares in the Fund to a different share class of the same Fund, where other share classes are available. • Information about other share classes offered by VF can be found in the prospectus or from our website at https://global.vanguard.com . • Remuneration policy: Details of VGIL's Remuneration Policy are available at https://www.ie.vanguard/content/dam/intl/europe/documents/ch/en/ucits-v- remuneration-policy.pdf including: (a) a description of how remuneration and benefits are calculated; and (b) the identities of persons responsible for awarding remuneration and benefits. A paper copy of these details may be obtained, free of charge, on request from VGIL at 70 Sir John Rogerson's Quay, Dublin 2, Ireland. The Fund is authorised in Ireland and regulated by the Central Bank of Ireland (the “Central Bank”). VGIL is authorised in Ireland and regulated by the Central Bank. This key investor information is accurate as at 17/02/2026. > 0 > 0.2 > 0.4 > 0.6 > 0.8 > 1 > 1.2 There is insufficient data to provide a useful indication of past performance to investors. > Per cent (%) # Past performance