A moisturiser and a sunscreen have two separate actions and thinking that they are “multi-purpose” can lead to trouble for your skin

Moisturiser: is designed to penetrate into the top layers of your skin to provide hydration and to prevent water from evaporating from the skin.

Sunscreen: is designed to sit on the skins surface and reflect or absorb UV radiation.

So having the two in the same bottle means that one action has had to compromise so that the other action can be most effective. I would hope in this case, SPF protection trumps moisturising ability (but then you are losing out on the hydration and protection benefits of a good quality moisturiser).

A mosituriser should be applied before sunscreen.