Monroe Skincare Moisturiser SPF 20

On concentrations:

So why did the EU cut back on how much you can use?

It comes down to absorption. Oxybenzone passes through skin more easily than other filters.

When the FDA tested sunscreens, every filter showed up in people's blood above the level where the agency wants extra safety testing done. But Oxybenzone showed up at by far the highest levels of the bunch.

To be clear, the FDA's point was that we need more research and not that the ingredient is dangerous. They also said to keep using sunscreen.

That high absorption, plus some animal studies pointing to effects on reproduction, is why EU regulators labeled Benzophenone-3 a hormone disruptor in 2025. An official classification is expected to follow in 2026.

It's also the most common photoallergen among sunscreen filters so it's a more frequent cause of contact/photoallergic dermatitis than most alternatives.

Places like Hawaii and Palau have also banned it over coral-reef concerns.

The CIR Expert Panel has confirmed this ingredient to be nontoxic and clinical studies show no sensitization at cosmetic use concentrations.

True allergic reactions are quite rare: a 15-year retrospective study of 6,751 patients found only 0.31% had a positive reaction (and less than half were considered clinically relevant).

It seemed that when sensitization does occur, it's most commonly linked to topical medication (like corticosteroids) and not cosmetics. Allergic contact dermatitis also appears largely limited to individuals with underlying skin conditions.

Overall, propylene glycol is a well-studied ingredient that most people can tolerate without issue.

You'll often see it paired with other UV filters to boost overall SPF because octisalate is a fairly week filter on its own.

The reason you'll see it so often is because it can help solubilize and stabilize the trickier filters like oxybenzone and avobenzone.

Unlike these filters, octisalate has pretty good photostability and doesn't create skin-damaging free radicals when exposed to sunlight.

The fatty-alcohol part of the molecule also gives it a light, emollient feel so it doubles as a nice texture enhancer.

Usage levels vary around the world:

Safety-wise, this ingredient has a pretty reassuring track record. The EU's Scientific Committee on Consumer Products (SCCP) found very low skin penetration in human skin tests and negative results for irritation, phototoxicity, and photoallergy.

The real-world allergy risk is pretty low too; a 2012 European study of 1,031 people recorded only 2 reactions to it (a rate of 0.19%).

You might have seen scary headlines about sunscreen getting into your blood.

In 2019, the FDA found that several chemical filters can absorb through the skin and show up in the bloodstream at small but measurable levels.

Here's the important part: these tiny levels are just a cutoff the FDA uses to decide which ingredients need more testing and doesn't mean anything harmful was found.

The researchers were clear that the results are no reason to stop wearing sunscreen.

Your skin makes glycerin on its own (mostly from sebaceous oil breakdown) and shuttles it to your outermost layer of skin, or your epidermis, via aquaporin-3.

Aquaporin-3 is a transporter that is essential for normal skin hydration, elasticity, and repair. Interestingly, mice lacking in AQP3 have dry and less elastic skin that can be fully corrected with glycerin.

This ingredient is non-irritating, plays well with almost every ingredient, and works across all skin types. Typical use is anywhere between 3-10% but can go up to 79% in some leave-on products.

Just know very high concentrations (>40%) can feel tacky in low humidity.

Glycerin is the name for this ingredient in American English. British English uses Glycerol/Glycerine.

In practice, that translates to a long shelf life and a consistently elegant skin feel.

While there is an assumption Caprylic Triglyceride can clog pores due to it being derived from coconut oil, there is no research supporting this. Just patch test if you have concerns.

Fractionated coconut oil and MCT Oil are both listed as Caprylic/Capric Triglyceride according to INCI. This is because INCI names are based on the ingredient’s final chemical composition and not its marketing name or source.

This ingredient is treated as the gold standard fungal acne safe oil. Even though it is coconut derived, the problematic lauric acid is stripped out.

This leaves just caprylic (C8) and capric (C10) acid. These chain lengths actually trend antifungal; a 2020 study found caprylic acid was enough to disrupt Malassezia furfur cell membrane, with a caprylic acid derivative damaging membrane structures at concentrations as low as 0.2%.

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.

A high amount of carbomer can cause pilling or balling up of products. Don't worry, most products contain 1% or less of carbomer.

Interestingly, the size of the molecule affects its behavior:

Some clinical evidence links low molecular weight versions to improved wrinkle depth, elasticity, anti-inflammatory effects, and barrier repair.

Many serums use a blend of both weights so you can get surface hydration plus longer-lasting and deeper effects.

You'll typically see concentrations between 0.1-2% for this ingredient.

Unlike other plant oils, jojoba wax doesn't easily penetrate skin. It mostly works in the uppermost layers as an emollient. This just means it forms a light barrier on the skin to help retain moisture.

Formulations with jojoba esters up to 90% reduced transepidermal water loss (TEWL) and increased barrier recovery by 81% (outperforming bisabolol at 47%).

Besides barrier support, the science also suggests jojoba to have anti-inflammatory effects and potential applications for skin infections, aging, and wound healing.

Fun fact: Indigenous cultures have used jojoba as a moisturizer and to help treat burns for centuries.

Fungal acne: The Malassezia yeast is known to metabolize fatty acids in the C11-24 range and jojoba's dominant fatty acid components fall into this range. This ingredient may not be fungal acne safe.

Safety-wise, the CIR Expert Panel has concluded it to be safe in cosmetics when formulated to be non-irritating and non-sensitizing.

Free stearic acid is a C18 fatty acid that the Malassezia yeast can substrate, so this ingredient may not be fungal acne safe.

This ingredient also helps improve the spreadability of a product.

This ingredient hasn’t been shown in studies to feed fungal acne yeast.

Like other essential oils, this ingredient can be a fragrance allergen.

Research shows it can encourage your skin cells to turn over and renew by stimulating keratinocyte and fibroblast proliferation.

It also has mild keratolytic properties to help loosen and shed dead skin cells without being harsh.

Studies also suggest allantoin can help calm inflammation by dialing down some of the chemical signals your skin sends out when it is irritated.

This ingredient is typically used in the 0.1-0.5% range, and the FDA recognizes it as a skin protectant in OTC products up to 2%.

Overall, allantoin is a wonderful addition to most routines; it is stable across a wide pH range (~4-8), works well with other ingredients, and is considered non-sensitizing/non-irritating.

Fun fact: Allantoin is naturally occurring in comfrey root, beets, chamomile, and wheat sprouts. Our bodies even produce it as a byproduct of uric acid metabolism.

On top of that, this ingredient can counteract the effects of hard water by binding to the minerals in it.

One thing worth knowing is that Disodium EDTA has been shown to be a mild penetration enhancer. It can help other ingredients absorb into skin more effectively which can be a double-edged sword (great for actives, but can also make the active too strong if you have sensitive skin).

Clinical patch testing showed no significant skin irritation at typical use concentrations and minimal dermal absorption.

You'll most likely see this ingredient near the end of an ingredient list. It's typically found in concentrations less than 1%.

First, Retinyl palmitate is created from palmitic acid and retinol. It is a retinol ester and considered one of the weaker forms of retinoid.

This is because all retinoids have to be converted to Tretinoin, AKA retinoic acid. Retinyl Palmitate is pretty far down the line and has to go through multiple conversions before its effects are seen.

Due to this long and ineffective conversion line, the benefits of Retinyl Palmitate are debated.

Studies show Retinyl Palmitate to help:

Dermatologists say this ingredient is ineffective because it isn't used in high enough concentrations in cosmetics.

This ingredient used to be found in sunscreens to boost the efficacy of sunscreen filters.

The downfall of Retinyl Palmitate was due to released reports about the ingredient being correlated to sun damage and skin tumors.

While there is a study showing this ingredient to cause DNA damage when exposed to UV-A, there is no concrete proof of it being linked to skin cancer. It is safe to use when used correctly.

All retinoids increase your skin's sensitivity to the sun in the first few months of usage. Be especially careful with reapplying sunscreen when using any form of retinoid.

Currently, this ingredient is still allowed in cosmetics all over the world. In Canada, cosmetics must have a warning label stating the product to contain Retinyl Palmitate

Fun fact: This ingredient is often added to low-fat milk to increase the levels of Vitamin A.

As an emollient, it softens and hydrates skin by forming a thin barrier that locks in moisture.

Clinical studies have found it to be non-irritating and non-sensitizing. The CIR Expert Panel has evaluated the available safety data and concluded it is safe for topical use.

Because of the oleic acid content, this ingredient may not be fungal acne safe.

The reason this ingredient is so effective is because it forms a thin film on the skin that reduces transepidermal water loss (TEWL) while supplying linoleic acid to the stratum corneum to improve barrier strength.

The high linoleic acid content is particularly noteworthy for acne-prone skin.

Research suggests that acne-prone skin tends to be deficient in linoleic acid in sebum. Topical application may help replenish this to support a healthier follicular environment and less comedone-promoting sebum.

One randomized study found sunflower seed oil preserved skin barrier integrity in adult volunteers with and without atopic dermatitis (outperforming olive oil).

This ingredient is well-studied, gentle, and an effective emollient suitable for most skin types.

On fungal acne: This ingredient may not be Fungal acne (Malassezia folliculitis) safe. This is because it contains fatty acids with carbon chain lengths in the C11-C24 range.

Topically applied tocopherol has been shown to protect against UV damage by ramping up the skin's own natural defense enzymes.

It also acts as a skin conditioning agent; some studies show that regular topical use can improve the skin's water-binding capacity over 2-4 weeks.

This ingredient is especially loved for being a team player. When combined with Vitamin C, the photoprotective effect of both ingredients roughly doubles and the combo also helps reduce UV-induced DNA damage.

This ingredient has some brightening potential but it's more of a prevention ingredient than spot-fader. Cell studies show it can slow down melanin production but it's worth noting that it's not the most powerful brightener out there.

In formulations, it also serves as a stabilizer that helps protect other oxidation-prone ingredients from degrading.

Concentrations usually range from 0.1-1% in most leave-on products.

As you may know, regular vitamin C is notorious for breaking down when exposed to sunlight and air. Ascorbyl Palmitate is more stable and degrades at a slower rate.

Research on whether it converts efficiently into active vitamin C once it's applied on your skin is still limited.

Some in-vitro studies suggest it may support collagen production, but it is not considered one of the stronger vitamin C derivatives, like:

Due to the palmitic acid base, this ingredient may not be fungal acne safe. Comedogenic studies have also shown this ingredient to have a rating of 2.

It's also worth keeping in mind that comedogenic and irritancy ratings are tested on individual ingredients, not finished formulas. The final product's formulation, concentration, and other ingredients all play a role in how something actually behaves on your skin.

Dipropylene glycol is technically an alcohol, but it belongs to the glycol family (often considered part of the ‘good’ alcohols). This means it is hydrating and gentle on skin unlike drying solvent alcohols like denatured alcohol.

As a masking agent, Dipropylene Glycol can be used to cover the smell of other ingredients. However, it does not have a scent.

Studies show Dipropylene Glycol is considered safe to use in skincare.

Because it is not a free-fatty acid, this ingredient is fungal acne safe (there's nothing for Malassezia to feed on).

Sodium benzoate works as a preservative by inhibiting the growth of bacteria inside of cells. It prevents the cell from fermenting a type of sugar using an enzyme called phosphofructokinase.

It is the salt of benzoic acid. Foods containing sodium benzoate include soda, salad dressings, condiments, fruit juices, wines, and snack foods.

Studies for using ascorbic acid and sodium benzoate in cosmetics are lacking, especially in skincare routines with multiple steps.

We always recommend speaking with a professional, such as a dermatologist, if you have any concerns.

Both potassium sorbate and sorbic acid can be found in baked goods, cheeses, dried meats, dried fruit, ice cream, pickles, wine, yogurt, and more.

You'll often find this ingredient used with other preservatives.

Limonene acts as an antioxidant, meaning it helps neutralize free radicals.

When exposed to air, oxidized limonene may sensitize the skin. Because of this, limonene is often avoided by people with sensitive skin.

The term 'fragrance' is not regulated in many countries. In many cases, it is up to the brand to define this term. For instance, many brands choose to label themselves as "fragrance-free" because they are not using synthetic fragrances. However, their products may still contain ingredients such as essential oils that are considered a fragrance.