Sulwhasoo UV Daily Fluid Sunscreen Multi-Protection SPF50+ PA+++

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.

In formulas, it's always paired with a separate UVA filter because octinoxate solely protects skin from UVB.

Because it's an oil-soluble liquid, it's easy to blend into the oil phase of lotions/creams and gives a cosmetically elegant feel.

The one quirk about formulating this ingredient is photostability; the molecule slowly changes shape into a less effective version when sunlight hits it. So the longer you're in the sun, the weaker its protection gets. The drop can be more than 30% in some formulas.

It also doesn't play nice with Avobenzone (the common UVA filter) since avobenzone destabilizes octinoxate and the two degrade each other. But don't worry: brands have solved this issue by adding photostabilizers like Tinosorb S to prevent degradation and keep SPF stable under heavy UV exposure.

The maximum allowed level is 10% in the EU and Australia, 7.5% in the US and Canada, and 20% in Japan.

The Cosmetic Ingredient Review Panel has concluded this ingredient to be safe in cosmetics up to 10%.

One last thing worth knowing for context:

Octinoxate has been the subject of ongoing review in Europe where the Scientific Committee on Consumer Safety's (SCCS) 2025 final opinion is that this ingredient is an endocrine-active substance.

Lab and animal studies suggest it can act a bit like a hormone in the body (mildly mimicking estrogen and slightly blocking male hormones). It's important to know this hasn't really been shown to happen in everyday human use.

This ingredient is also banned in Hawaii over coral reef concerns.

Isododecane's role as a solvent makes it a great texture enhancer. It spreads smoothly on skin and does not leave a sticky feeling behind. Isododecane also helps prevent color transfer in makeup products.

Isododecane is not absorbed into skin.

The chemical name for this ingredient is 2,2,4,6,6-PENTAMETHYLHEPTANE.

This ingredient gets a bad rep because it is irritating and drying due to its astringent property. Astringents draw out natural oils in tissue to constrict pores and dry out your skin.

However, alcohol denat. is not all that bad.

Due to its low molecular weight, alcohol denat. tends to evaporate quickly. One study on pig skin found half of applied alcohol evaporated in 10 seconds and less than 3% stayed on skin.

This also helps other ingredients become better absorbed upon application.

Studies are conflicted about whether this ingredient causes skin dehydration. One study from 2005 found adding emollients to propanol-based sanitizer decreased skin dryness and irritation. Another study found irritation only occurs if your skin is already damaged.

Small amounts of alcohol are generally tolerated by oily skin or people who live in humid environments.

The rule of thumb is this ingredient will probably not affect your skin much if it is near the end of an ingredients list.

One thing to note:
People with ALDH2 (aldehyde dehydrogenase 2) deficiency may experience skin irritation from continued alcohol use. About 8% of the world's population have this deficiency.

The Cosmetic Ingredient Review Expert Panel has determined denatured alcohols to be safe for use in concentrations between 0.05% and 12% (depending on which denaturant is used).

Also...

This ingredient has antimicrobial and solvent properties.

The antimicrobial property helps preserve products and increase their shelf life. As a solvent, it helps dissolve other ingredients.

Look for formulas that contain glycerin, hyaluronic acid, or panthenol if you want to offset any drying effect.

This ingredient will trip away your skin's natural oils/lipids that help it lock in moisture. This can worsen dryness, trigger eczema flare-ups, and aggravate rosacea.

Be sure to patch test any product with this ingredient if you have dry or sensitive skin, eczema, or rosacea.

Though this ingredient works well with most skin types, some people with sensitive skin may experience a reaction such as allergic rashes, closed comedones, or itchiness.

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.

Emulsifiers help stabilize a product. It does this by preventing certain ingredients from separating.

Methyl Trimethicone does not get absorbed into the skin.

Typical usage concentrations range from 1-5%.

Human testing shows it's non-irritating and non-sensitizing, and the EU Scientific Committee on Consumer Safety (SCCS) has cleared it at very high levels (79% in leave-on products).

The one thing worth knowing about its comedogenic score of 3-4 is to keep it in perspective: these ratings come from old rabbit-ear tests using 100% of pure ingredient and doesn't reflect how it behaves at low levels in a finished product.

Because it is an ester of palmitic acid (C16), it falls into the range that the Malassezia yeast can feed on and is considered not fungal acne safe.

This ingredient is commonly used to enhance both UVB and UVA protection due to its unique property in stabilizing avobenzone. It also pulls double duty by boosting water resistance and giving formulas a smooth, spreadable feel.

The EU's Scientific Committee on Consumer Safety (SCCS) has deemed octocrylene to be safe as a UV-filter at concentrations up to 10% (capped at 9% in propellant sprays). The US also permits it up to 10%.

Two things worth knowing:

You'll usually see this ingredient used in concentrations between 2-10% (higher amounts when used as a stabilizer for avobenzone).

Polymethylsilsesquioxane has not been shown to clog pores. It has been deemed safe to use up to 55%, but most cosmetics use much less.

If you have concerns about using this ingredient, we recommend speaking with a professional.

According to a manufacturer, it can blend seamlessly with silicone oils, such as Cyclopentasiloxane.

You might have heard of "niacin flush", or the reddening of skin that causes itchiness. Niacinamide has not been found to cause this.

In very rare cases, some individuals may not be able to tolerate niacinamide at all or experience an allergic reaction to it.

If you are experiencing flaking, irritation, and dryness with this ingredient, be sure to double check all your products as this ingredient can be found in all categories of skincare.

When incorporating niacinamide into your routine, look out for concentration amounts. Typically, 5% niacinamide provides benefits such as fading dark spots. However, if you have sensitive skin, it is better to begin with a smaller concentration.

When you apply niacinamide to your skin, your body converts it into nicotinamide adenine dinucleotide (NAD). NAD is an essential coenzyme that is already found in your cells as "fuel" and powers countless biological processes.

In your skin, NAD helps repair cell damage, produce new healthy cells, support collagen production, strengthen the skin barrier, and fight environmental stressors (like UV and pollution).

Our natural NAD levels start to decline with age, leading to slower skin repair, visible aging, and a weaker skin barrier. By providing your skin niacinamide, you're recharging your skin's NAD levels. This leads to stronger, healthier, and younger looking skin.

Another name for vitamin B3 is nicotinamide. This vitamin is water-soluble and our bodies don't store it. We obtain Vitamin B3 from either food or skincare. Meat, fish, wheat, yeast, and leafy greens contain vitamin B3.

The type of niacinamide used in skincare is synthetically created.

DHHB has been approved by the EU, Japan, Taiwan, and South America for use up to 10%. Unfortunately, it has not been approved for use in the US or Canada due to slow regulatory processes.

This ingredient is soluble in oils, fats, and lipids.

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.

This ingredient is often coated with metal oxides like titanium dioxide. Trace amounts of heavy metals may be found in mica, but these metals are not harmful in our personal products.

Mica has been used since prehistoric times throughout the world. Ancient Egyptian, Indian, Greek, Roman, Aztec, and Chinese civilizations have used mica.

Another pro?

It's exceptionally photostable, barely degrades in sunlight, and acts as a "bodyguard" for less stable filters.

That's why you'll see it paired with avobenzone or octinoxate; this team up ensures they keep working through sun exposure.

Safety reviews have been reassuring across the board. This ingredient shows low absorption through the skin, rarely irritates, and lab studies found it doesn't act like a hormone in the body (a concern that's been raised about some older sunscreen filters).

On maximum concentrations:

In 2026, the US F.D.A finally added it as an OTC sunscreen ingredient at concentrations up to 6% for adults / children 6 months and older

This ingredient may not be reef-safe.

This ingredient is typically used at low levels (up to 2.5% in eyeshadow and 1% in lipstick).

This ingredient is sourced from plant-based oils like soybean or rapeseed.

Clinical studies found no signs of irritation from this ingredient.

Since Isostearic Acid is an 18-carbon fatty acid, it is in the range that Malassezia can feed on. This ingredient may not be fungal acne safe.

You might have seen sources that this ingredient is comedogenic. The original comedogenic testing on rabbit ear actually tested the ester, Isopropyl Isostearate and not Isostearic acid itself. There has been no comedogenic testing done on this ingredient, but it may be worth patch testing if you have acne-prone skin.

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.

Hectorite is a rare, white clay mineral.

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.

For instance, Habanolide is a proprietary trade name for a specific aroma chemical. When used as a fragrance ingredient in cosmetics, most aroma chemicals fall under the broad labeling category of “FRAGRANCE” or “PARFUM” according to EU and US regulations.

The term 'parfum' or '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 by INCI standards.

One example is Calendula flower extract. Calendula is an essential oil that still imparts a scent or 'fragrance'.

Depending on the blend, the ingredients in the mixture can cause allergies and sensitivities on the skin. Some ingredients that are known EU allergens include linalool and citronellol.

Parfum can also be used to mask or cover an unpleasant scent.

The bottom line is: not all fragrances/parfum/ingredients are created equally. If you are worried about fragrances, we recommend taking a closer look at an ingredient. And of course, we always recommend speaking with a professional.

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

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.

In Chinese traditional folk medicine, Scutellaria Baicalensis Root Extract is used to help treat lung issues and hypertension.

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%.

Industry-reported use ranges from 8% in rinse-off products and 2% in leave-on formulations.

Your skin has cells called fibroblasts that build collagen (the stuff that keeps skin firm and smooth). Adenosine basically flips a switch on these cells that tells them to get to work making more collagen and other proteins. These cells slow down on their own as skin ages, so Adenosine helps give them a little nudge to keep going.

The clinical backing is pretty solid too.

A blind, randomized, placebo-controlled trial of 126 women aged 45-65 tested a 0.1% cream twice daily and found real improvements in crow's feet and frown lines using a precise 3D skin-mapping technique; these changes showed up by week 3 and held at 2 months.

A later study using Adenosine-loaded dissolving microneedle patches reported gains in wrinkle depth, dermal density, elasticity, and hydration.

On concentrations, South Korea's Ministry of Food and Drug Safety has set 0.04% as the approved functional anti-wrinkle level. You'll typically see this ingredient used somewhere in the 0.04-0.1% range since it works at low doses.

This ingredient has been found safe for cosmetics with the data showing no irritation or sensitization.

Overall, this is a great ingredient for any anti-aging routine and has no photosensitizing effect, so it suits both AM and PM use.

A study from 2021 found this ingredient to inhibit melanin production. An animal study found plum blossom to help increase collagen production.

This ingredient has a scent that is floral, spicy tropical, and citrus-like.

PMMA is also able to enhance the texture of products by add a smooth feel.

One of the standout features of ginseng is its ability to improve blood circulation and oxygen delivery to the skin, bringing a fresh supply of nutrients to support overall skin health. It also has antioxidant and anti-inflammatory properties. This helps to protect your skin against damage from UV exposure, pollution, and daily stress.

Additionally, studies suggest that ginseng may help reduce hyperpigmentation by inhibiting tyrosinase, the enzyme involved in melanin production.

There are different types of ginseng used in skincare, and while they all share core benefits, their potency can vary.

Most products use fresh or white ginseng because it’s more affordable. However, red ginseng, produced by steaming the root, contains higher levels of ginsenosides, which are compounds with proven anti-aging effects. These ginsenosides help reduce the appearance of wrinkles and improve skin elasticity.

Note: All forms of ginseng are listed simply as “Panax ginseng” in ingredient lists. We recommend reaching out to the brand if you have questions about which type of ginseng is used in their ingredients.

For general antioxidant benefits, any ginseng extract will do, but for wrinkle care or firmer skin, red or fermented ginseng is often more effective.

In short, ginseng is a powerhouse ingredient that supports hydration, radiance, and resilience.

Citronellol is a modified terpene. Terpenes are unsaturated hydrocarbons found in plants. They make up the primary part of essential oils.

Citronellol is not able to be absorbed into deeper layers of the skin. It has low permeability,

Citronellol is also a natural insect repellent.

As a preservative, it is used to stabilize products and prevent them from degrading. Specifically, BHT prevents degradation from oxidation.

The concerns related to BHT come from oral studies; this ingredient is currently allowed for use by both the FDA and EU.

However, it was recently restricted for use in the UK as of April 2024.

You should know this ingredient is a known EU fragrance allergen.

Animal studies classifies this ingredient as a weak-to-moderate skin sensitizer and clinical patch testing on eczema patients confirmed it to be both a contact allergen and irritant.

The term 'citral' is a collective term for two geometric isomers: geranial/Citral A and neral/Citral B.

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.

Geraniol can be found in many essential oils including Rose Oil and Citronella Oil. The scent of Geraniol is often described as "rose-like". Many foods also contain Geraniol for fruit flavoring.

Geraniol can irritate the skin when exposed to air. However, irritation depends on the ability of geraniol to penetrate into the skin. In general, geraniol is not able to penetrate skin easily.

Geraniol is colorless and has low water-solubility. However, it is soluble in common organic solvents.

Like citronellol, it is a natural insect repellent.

2,6-Octadien-1-ol, 3,7-dimethyl-, (2E)-

Solvents are used to keep ingredients together in a product. They can help dissolve ingredients to stable bases or help evenly distribute ingredients throughout the product.

Due to its fragrance, Benzyl Benzoate can be sensitizing and may cause contact dermatitis. It is a known EU allergen. We recommend speaking with a professional if you have any concerns.

Benzyl Benzoate can be naturally found in cranberries and peaches.

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.