Abstract: A new cosmetic product combines tanning, sunscreen, moisturizing and water-repellant properties in a stable formulation. The product is an O/W emulsion which includes from 5% to 14% by weight of inorganic pigments treated with perfluoroalkyl phosphates, in which the pigments are selected from the group consisting of colored iron oxides, titanium dioxide and mixtures thereof. There are dispersants selected from the group consisting of at least (b1) cetyl dimethicone copolyol and (b2) cetyl dimethicone which are present in the range of 2% to 10% by weight, with the ratio of (b1) to (b2) in the range from 15-3 to 40-8, and further known carrier and auxiliary agents as well as further dispersants if required, in which the share of moisturizing additives is less than 4% by weight.