Belo Sun-Expert Reef-Friendly Sunscreen SPF 60

The safety profile of this ingredient is reassuring; the US CIR Expert Panel concluded D5 is safe as used in cosmetics and Health Canada concluded that D5 is not harmful to human health or the environment as currently used in cosmetics

There's a study that people mention about D5 in a rat study showing tumors. This study is related to long-term inhalation of high D5 levels.

Regulatory bodies have judged this study to be not applicable in topical skincare since skin absorption of D5 is very low and we're not really inhaling huge amounts of D5.

The only restriction for this ingredient is environmental. The European Chemicals Agency (ECHA) restricted D5 in wash-off cosmetics at or above 0.1% due to their persistence in water.

A really common myth is that mineral filters work by reflecting UV light off your skin like tiny mirrors.

They don't only do that; modern research shows TD protects mostly by absorbing UV radiation, the same way chemical filters do.

When researchers measured this, reflection accounted for only about 4-5% of the protection (and less than SPF 2 on its own). The other ~95% comes from absorption: the UV photons hit the particle and their energy gets soaked up by its semiconductor band gap rather than bouncing off.

So "reflects vs. absorbs" was never really the right way to split mineral from chemical filters.

TD gives broad-spectrum protection that's strongest in the UVB and UVA-2 range and weaker in the UVA-1 range. Its UVA protection isn't quite as strong as Zinc Oxide's which is why you'll often see the two paired together.

Together, they make a solid broad-spectrum system.

TD is a great pick for sensitive, acne-prone, or redness-prone skin because it's non-irritating and chemically inert. Regulatory reviews classify it as a non-sensitizer and mild-to-non-irritant.

It's also unlikely to cause the "eye sting" some chemical filters are known for.

The main trade-off is cosmetic; TD can leave a white cast and has a thicker texture. This is why mineral sunscreens are often less cosmetically elegant than chemical or hybrid formulas (and harder to shade-match on deeper skin tones).

Formulators often use micronized or nano-sized TD to cut down on white case and improve spreadability. Smaller particles scatter less visible light so the formula looks less chalky while still filtering UV.

TD is almost always bundled with coatings like Alumina, Silica, Stearic Acid, or Dimethicone. These coatings do two important jobs:

TD can be used at up to 25% in a finished sunscreen; this is the regulatory ceiling in both the US and the EU.

In practice, the amount in any given product varies a lot depending on the target SPF and whether it's paired with other UV filters.

TD is one of the most heavily vetted sunscreen ingredients out there. It is approved as a UV filter in all major markets worldwide, including the US, EU, UK, Japan, Korea, China, Australia, and Canada.

The safety evidence is solid. There was an old worry that nano particles might absorb through skin into the body but multiple studies (including on damaged, sunburned, and UV-irradiated skin) have shown that TD stays on the surface and the layer of dead skin cells on top of everything else.

There's also no evidence of carcinogenicity, mutagenicity, or reproductive toxicity from dermal exposure of this ingredient.

For those who have seen the headline about a 2022 EU ban on TD, that was on TD as a food additive (a complete separate use from topical sunscreen).

There are ongoing questions about how nano-TD might affect marine ecosystems. As of now, there has been no conclusive evidence that any form of TD (or any other sunscreen filter) harms coral reefs or marine life.

The science is still developing and it's a space worth watching rather than packing over.

However, several destinations have reef-safety sunscreen rules that restrict certain chemical filters and steer visitors toward mineral, non-nano options. If you're traveling somewhere with these rules, a non-nano mineral sunscreen is the safe bet.

According to manufacturers, this ingredient is an emollient and humectant. This means it helps hydrate the skin.

In medicine, this ingredient is used to help relieve heartburn and help heal ulcers.

There is currently no credible scientific evidence linking aluminum hydroxide in cosmetics to increased cancer risk.

Major health organizations allow the use of aluminum hydroxide in personal care products and have not flagged it as a carcinogenic risk at typical usage levels.

The unique structure of silica enhances the spreadability and adds smoothness, making it a great texture enhancer.

It is also used as an active carrier, emulsifier, and mattifier due to its ability to absorb excess oil.

In some products, tiny microneedles called spicules are made from silica or hydrolyzed sponge. When you rub them in, they lightly polish away dead skin layers and enhance the penetration of active ingredients.

Here's a myth worth busting: mineral filters are usually described as working by "reflecting" or "bouncing" UV off your skin.

That's mostly not true: when researchers actually measured it, ZO and Titanium Dioxide reflect only about 4-5% of UV (less than SPF 2 worth of protection).

The vast majority of the work (~95%) is done by absorption, similar to chemical UV filters. ZO is a semiconductor that absorbs UV photos through its energy band gap.

So the old "physical blocker vs. chemical absorber" framing is really an oversimplification.

Zinc Oxide is one of the most effective broad-spectrum UV filters out there. It protects across UVB, UVA2, and UVA1 with a flat, even absorption curve across the whole UVA-UVB range.

That uniform UVA coverage is its standout feature; titanium dioxide skews more toward UVB as its particle size drops so ZO gives more consistent and extended UVA protection.

It's also very photostable. As an inorganic oxide, ZO doesn't break down in sunlight the way some organic filters can, so it holds up over a day of wear.

This ingredient is gentle and soothing, making it go-to for sunscreens aimed at sensitive skin, rosacea, or ecezma-prone skin, babies, and children.

It's also unlikely to cause the "eye sting" that some sunscreen ingredients are known for, and regulatory agencies broadly consider it non-toxic and safe for topical use.

Beyond sun protection, ZO is also a recognized OTC skin protectant. It forms a breathable barrier that shields skin from moisture and irritation while supporting healing. This is why you'll see it as a classic active in diaper rash creams.

The only downside to ZO is that it can leave a visible white cast, especially on deeper skin tones. This is the main reason mineral sunscreens have historically felt less cosmetically elegant than chemical or hybrid formulas.

Zinc Oxide comes in both non-nano and nano forms. The dividing line is 100nm and anything under is classified as a nanomaterial by the EU.

The nano version scatters less visible light which cuts down white case and gives a lighter, more wearable texture.

Another thing worth understanding about formulation:

Uncoated ZO has some inherent photocatalytic activity. This just means it can generate reactive oxygen species under UV. It's exactly why cosmetic-grade ZO is almost always surface-coated; this coating suppresses that reactivity and improves how the powder disperses and feels.

A well-formulated coated ZO largely sidesteps this issue.

Zinc Oxide is commonly used anywhere from 10% up to the regulatory maximum in sunscreens (25%).

Mineral-only broad-spectrum products often land in the 15-25% range to hit higher SPF and UVA values. Keep in mind SPF performance depends heavily on particle size, dispersion, and the rest of the formula, and not just the percentage.

As an OTC skin protectant like diaper creams, ZO typically runs higher at roughly 10-40%.

This ingredient is generally easy to work with and doesn't photodegrade.

The only thing to know is that uncoated ZO can be a bit reactive in a formula.

Under UV, it can break down sensitive ingredients like other actives or UV filters. This is another reason coated versions are standard. ZO can also react with very acidic ingredients or throw off stability of some creams. A good formula will get around this with the right coatings and dispersion.

The EU's Scientific Committee on Consumer Safety has concluded that ZO nanoparticles "can be considered to not pose any risk of adverse effects in humans after application on healthy, intact or sunburnt skin".

You might hear that ZO is "toxic"; this is because an in-vitro (test tube) study suggested micronized ZO had potential phototoxicity. In vivo (human) investigations have disputed this and the results have come back reassuring.

So does ZO penetrate skin? The short answer is no, not in any way that matters.

The most relevant evidence comes from real-world human studies: in one, volunteers applied ZO nanoparticle sunscreen hourly for six hours and daily for five days. The advanced imaging showed the particles stayed on the surface and never reached the living epidermis, and no cellular toxicity was found.

Other in-vivo and ex-vivo work agree; ZO nanoparticles don't cross the stratum corneum, even on flexed, massaged, or barrier-impaired skin.

A small amount of solubilized zinc ions can dissolve off the particles and enter the upper skin. But the quantities are tiny compared to the zinc already naturally present in your body, and studies haven't found this to cause local toxicity.

The sunscreen bans you've heard of (like Hawaii's) are aimed at two chemical filters, Oxybenzone and Octinoxate. ZO itself it not banned and is often recommended instead.

So far, there's no solid evidence that any form of ZO harms reefs. It is an ongoing and active area of study, and worth keeping an eye on.

If you're traveling somewhere with these rules, a non-nano mineral sunscreen is the safe bet.

Though it has "alcohol" in the name, it is not related to denatured alcohol or ethyl alcohol.

The FDA allows products labeled "alcohol-free" to have fatty alcohols.

This ingredient may not be fungal acne safe. It is a primary fatty alcohol with a chain length above 12 carbons. A study from 2019 show Malassezia can feed on fatty alcohols in this range, so it may trigger fungal acne in those prone to it.

The UVA-2 gap is something that a lot of older UV filters miss; UVA-2 is a deep-penetrating, aging and pigmentation-driving, wavelength that you can't feel (it doesn't burn the way UVB does).

When paired with UVA-1 filters, Tinosorb A2B is able to give a "boosting" assist as well.

More cool things about this ingredient? It's highly photostable and has high SPF performance at low concentrations.

That photostability matters because plenty of older filters degrade as you wear them; this one stays put and even helps stabilize the other filters around it.

A 2015 study found this ingredient delivers about 2 SPF units and 1 UVA-PF unit per percentage used, with SPF and UVA protection holding steady after two hours under a solar simulator.

Safety-wise, it's been formally reviewed and cleared. Both the EU and Australia approve it as a UV filter up to 10%.

Because it has a high molecular weight, significant absorption through the skin is quite low and there has been no evidence of phototoxicity or photoallergenicity in a human study on 53 subjecfts.

You won't be able to find this ingredient in the US yet due to FDA regulatory backlog.

This ingredient is typically used in concentrations between 1-10%. Studies have found it to be non-sensitizing, non-phototoxic, and non-photoallergenic.

A close cousin of this ingredient is Glyceryl Stearate SE ("self-emulsifying"). This just has a small amount of sodium or potassium stearate added so it can emulsify without a co-emulsifier.

Since this ingredient is an ester of a C18 fatty acid, it may not be fungal acne safe. The Malassezia yeast can potentially metabolize within the C11-C24 range.

Fun fact: The human body also creates Glyceryl Stearate naturally.

Typical use ranges from 0.5-30%. Most leave-on products are in the 1-10% zone.

The 20 ethylene oxide units is well above the PEG-10 threshold and therefore not a food source for Malassezia (it's fungal acne safe).

This ingredient has a comedogenic rating of 2 and an irritancy rating of 3. These numbers come from testing the raw ingredient on rabbit ears and doesn't reflect how it will behave in a finished product.

In practice, this ingredient is a well-tolerated ingredient. The ratings reflect cautious lab conditions and not real-world use. Just be sure to patch test any formulas you feel unsure about.

It plays several roles in a formula:

Typical use levels for this ingredient sit around 1-10% and the Cosmetic Ingredient Review Expert Panel has affirmed safety at concentrations up to 25% in leave-on products.

Multiple assessments have found it to be non-irritating and non-sensitizing to most people.

However, there have been some cases of allergic contact dermatitis in patients with chronically compromised skin barriers.

Cetearyl alcohol has a comedogenic rating of 2 and irritancy rating of 1. Both of these numbers come from the 1989 study that used rabbit ears; a "2" means mildly comedogenic and a "1" means low irritancy.

Here's the catch: rabbit skin is more sensitive than human skin and throws a lot of false positives. A 1996 reappraisal found that ingredients rated 1-2 in the rabbit ear tests are generally safe for humans.

Remember comedogenic ratings are unable to assess the entire formula of a product or how it will react on your skin. Just be sure to patch test if you are unsure about certain ingredients.

This ingredient is not fungal acne safe. Cetearyl alcohol is a fatty alcohol with chain lengths that fall within the range that Malassezia can metabolize.

A 2019 study has also observed Malassezia growth in the presence of this ingredient, confirming it to be not-fungal acne safe.

This ingredient is considered safe and human testing of concentrations between 2.5-2.7% were found minimal irritation. Just know, there have been very rare cases of the palmitate family causing contact dermatitis.

This ingredient may not be fungal acne safe because it contains a C16 ester (palmitic acid) that falls into the C11-24 range that Malassezia can feed on.

Formulators love it for its stability; its ability to filter UV stays practically unchanged even under intense radiation and it can also help boost the photostability of less stable filters like avobenzone.

It's also a great pick for water resistant products because it's insoluble in water and has a good affinity for keratin.

Because it's a big, heavy molecule, the European Scientific Committee has found to to have very low dermal penetration and negative results for allergenicity.

In vitro testing also showed a low absorption rate and clean results on irritation.

Typical use levels are 1-5% with 5% being the maximum in the EU, Japan, and other markets that allow it. However, this ingredient is not approved yet in the US or Canada.

The Cosmetic Review Expert Panel has concluded the alkyl benzoate group to be safe as used in cosmetics; it wasn't found to be a skin irritant and unlikely to be absorbed due to its low water solubility.

This report recorded almost 1000 reported uses with concentrations up to 59% in leave-on products but your cosmetics will typically use 0.5-15% depending on the product.

It's often called a "SPF booster": this is because it keeps UV filters properly dissolved and evenly distributed to support a sunscreen's performance. It doesn't actually raise SPF on its own.

Overall, this ingredient is well tolerated.

This ingredient is fungal acne safe because it is an ester of benzoic acid.

Think of this ingredient as two parts stuck together: an oily part and an acid part. Malassezia only gets a meal when it can snip off a fatty acid to eat. With C12-15 Alkyl Benzoate, the acid part is benzoic acid, which isn't a fatty acid and which the yeast can't use as food.

Benzoic acid is actually used as a preservative to stop yeast from growing.

The oily part is a blend of C12-15 fatty alcohols but fatty alcohols in this size range can support only a little Malassezia growth (mostly for one species of Malassezia as well).

In the ingredient, those alcohols stay locked inside the molecule. The yeast can only reach them by snipping the benzoate bond, and that type of bond is harder for it to cut than a normal fatty bond.

So not much gets released. And whatever does get snipped comes packaged with benzoic acid, which discourages yeast growth.

As a preservative, it works by disrupting the membrane of microbial proteins. This helps keep bacteria and fungi from growing in your products.

The sensitization picture is actually quite assuring as well:of nearly 71,000 patients patch tested with benzyl alcohol, only 0.21% showed a positive reaction with most of them being weakly positive.

This led researchers to conclude that benzyl alcohol cannot be regarded as a significant contact allergen.

It is worth noting this ingredient is classified as one of the EU's regulated fragrance allergens and restricted to 1% in finished products.

Labels must also declare it in concentrations above 0.001% in leave-on products and 0.01% in rinse-off products.

At concentrations around 5%, localized redness and itching can appear as a direct irritant response and not as a true allergic reaction.

As a co-emulsifier, its "head" and "tail" sit at the oil-water interface. But overall, the short C8 tail and not being water soluble means it doesn't really have the muscle to emulsify a formula on its own. That's why you'll often see it paired with a primary emulsifier like Cetearyl Glucoside.

Interestingly, Glyceryl Caprylate acts as a preservative booster. This is because its fatty-acid backbone disrupts microbial lipid membranes. It shows excellent activity against bacteria and yeast but is weaker against mold.

Typical concentrations range from 0.5-1% and this ingredient is generally non-irritating.

Because this ingredient has a C8 fatty acid chain, it is outside the range that the Malassezia yeast metabolizes (making it fungal acne safe).

The glycerin side attracts and binds water to support skin hydration and the undeclyenic acid side adds a bit of broad-spectrum antimicrobial activity.

Undecylenic acid inhibits the formation of fungal biofilm and the branching filaments that let fungi spread.

Typical use concentrations range from 0.1-5%, but it is generally used on the lower end and paired with other mild preservative boosters like caprylyl glycol.

On the fungal acne front:

This ingredient is described in the patent literature as a Malassezia-active ingredient used to treat an excess of Malassezia on the skin (Malassezia is actually a yeast and not fungal).

Though it leans anti-fungal, the leftover Malassezia yeast may feed on the Undecylenic Acid portion of this ingredient. Just know this ingredient may not be a trigger for everyone.

This ingredient is also known as part of Olivem 1000, with Cetearyl Olivate being the other part.

According to a manufacturer, this ingredient helps preserve the natural microbiome of skin. Having a healthy microbiome helps keep our skin healthy and protects against harmful bacteria.

Please note, having a healthy microbiome is different from fungal acne; a healthy microbiome includes small amounts of yeast that normally live on your skin without causing problems.

Fungal acne happens when one type of yeast (Malassezia) grows out of control. This is usually because it's feeding on certain oils or fatty acids. Due to the olive oil base, this ingredient may not be fungal acne safe.

However, this exfoliating effect only happens at high concentrations (20%) which can be hard to find in cosmetic products.

Due to this, citric acid is usually included in small amounts as a pH adjuster. This helps keep products slightly more acidic and compatible with skin's natural pH.

In skincare formulas, citric acid can:

While it can provide some skin benefits, research shows lactic acid and glycolic acid are generally more effective and less irritating exfoliants.

Most citric acid used in skincare today is made by fermenting sugars (usually from molasses). This synthetic version is identical to the natural citrus form but easier to stabilize and use in formulations.

Read more about some other popular AHA's here:

A clinical study found that applying 0.5% bisabolol daily for 8 weeks produced an average 9% decrease in skin pigmentation. Researchers found it can also suppress the process that leads to excess melanin production in skin.

In vitro studies found that bisabolol combined with propylene glycol significantly increased skin permeability by increasing lipid fluidity in the stratum corneum.

You'll likely see use concentrations quite low, usually 0.1-0.2%.

Overall, this is a well-tolerated ingredient that works well in formulas designed for sensitive, reactive, or post-procedure skin.