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Today, BETTER FINANCE, the leading advocate for European citizens as investors, savers, shareholders, and financial services users, unveils its manifesto ahead of the upcoming European Union elections in June 2024. Entitled “Sustainable Value for Money: Reconciling Individuals, Enterprises & The Planet,” the manifesto calls for a renewed emphasis on better outcomes for consumers, long-term investment,

This consultation, divided in two parts, addresses first the functioning of the ESG ratings market, its potential shortcomings, and the need for EU intervention. Second, it aims to inform the Commission on possible shortcomings in relation to the consideration of sustainability factors in credit ratings; on disclosures made by Credit Rating Agencies; and on the

BETTER FINANCE agrees with ESMA that names can be misleading if those funds do not invest in line with what their names would suggest.

BETTER FINANCE believes that the European Commission should not further diminish the ambition of ESRS. At the very least, there should be a set of mandatory disclosure requirements (such as GHG emissions) irrespective of materiality assessments made by companies.

Retail investors are increasingly concerned about the impact of their investment decisions on society and the environment. In recent years, European Union (EU) institutions have amended the legislation regarding the distribution of retail investment products by investment firms–the Markets in Financial Instruments Directive (MiFID II)–and related delegated legislation and guidelines to define how investment firms

The European Commission has issued the Delegated Act on the European Sustainability Reporting Standards (ESRS) under the Corporate Sustainability Reporting Directive (CSRD) to enhance transparency in sustainability reporting by companies. However, it faces criticism for weakening key aspects of the initial proposal by the European Financial Reporting Advisory Group (EFRAG) and neglecting vital concerns. Critics

BETTER FINANCE, as an independent financial expertise center serving European financial services users, represents millions of individual investors in Europe who stand to benefit from the draft non-financial reporting Standards developed by EFRAG. BETTER FINANCE welcomes the opportunity to provide feedback on the draft Delegated Act (DA) by the European Commission concerning the European Sustainability

ESMA’s Guidelines on funds’ names using ESG or sustainability-related terms in their names propose the use of quantitative thresholds whereby “if an investment fund has any ESG-, or impact-related words in its name, a minimum proportion of 80% of its investments should be used to meet the environmental or social characteristics or sustainable investment objectives…”

The Briefing Paper by BETTER FINANCE, 2° Investing Initiative and WWF focuses on the Packaged Retail Investment and Insurance-Based Products (PRIIPs) Regulation and provides recommendations for sustainability disclosure. While a legislative review of PRIIPs is planned, we suggest an omnibus regulation that will effectively harmonise product-level disclosures. The briefing elaborates on one of the recommendations

EU Law rightly requires information provided to individual investors to be clear, i.e., “presented in a way that is likely to be understood by, the average member of the group to whom it is directed, or by whom it is likely to be received”, and as such, retail investors expect definitions and classifications of funds

There is still a significant impact on investment returns for retail investors due to costs that are on average 40% higher than for institutional investors, Europe’s financial watchdog says. The costs paid by retail investors are “significantly higher” than those paid by institutional investors, leading to lower net returns, said Steven Maijoor, chair of the

On Friday 26 October the joint meeting of the World Federation of Investors (WFI) and World Federation of Young Investors (WFYI) at the Paris Stock EURONEXT marked the conclusion of the annual meeting of the WFI. This year the annual meeting coincided with the 50th anniversary of the French Federation of Individual Investors and Investor

BETTER FINANCE has been monitoring the performance of EU pension and long-term savings since 2013, with its 6th edition of the “The Real Return” by now covering 16 countries and over 85% of the EU population. Unfortunately, the dire state of pension savings across the EU has not improved much over the years. Despite a

BETTER FINANCE has been monitoring the performance of EU pension and long-term savings since 2013, with its 6th edition of the “The Real Return” by now covering 16 countries and over 85% of the EU population. Unfortunately, the dire state of pension savings across the EU has not improved much over the years. Despite a

Turns out it pays to be consciously-minded! In a survey of 650 institutions from around the world, ‘Schroders Institutional Investor Study 2018’ found that institutional investors who focus more on sustainability appear to be more confident in achieving their return expectations than those who do not. However, not everyone is on board with sustainability, seeing as three

Sustainable Finance is the 2017 trend in Finance …but green bonds, ESG, SRI…are still concepts very much subject to questions and doubts regarding their definition and standards.  However, despite this lack of definitions, Sustainable Finance seems to attract more and more investors. In a survey realized by Natixis Global Asset Management, the asset manager reveals

In 2013, the Financial Conduct Authority (the City’s Financial Watchdog) adopted a reform relating to  fees charged to investors for fund management and financial advice. It decided to ban the “bundling of charges” and to stop fund groups from paying commission to advisers. The idea behind this reform is that since fund managers are no

MiFID II remains the main topic in terms of EU financial legislation despite a possible delay in implementing new rules covering European financial markets according to Jake Green, partner in the financial regulatory group dealing with corporate practice at law firm Ashurst in London. Green told Markets Media: “Some buyside clients are holding back preparations

Savers and individual investors are slowly finding their deserved place at the heart of the “CMU” initiative. So far none of the short term priorities identified by the EC had actually focused on them. Whereas these are definitely steps in the right direction, in our view the CMU Action Plan could still be more ambitious

Opening Speech - Carmine Di Noia, Director for Financial and Enterprise Affairs, Organisation for Economic Co-operation and Development (OECD)Video Address - Othmar Karas, Vice President of the European ParliamentVideo Address - Sirpa Pietikäinen, Member of the European ParliamentVideo Address - Eero Heinäluoma, Member of the European ParliamentOeKB SlidesVideo Address - Sergiy Tsivkach, CEO, UkraineInvestSlides -

Would you agree with the assessment that certain products that are offered to consumers do not offer Value for Money? If yes: a) how significant a problem would you consider this to be? b) for which products/market segments is this problem particularly relevant? To begin with, BETTER FINANCE firmly suggests providing clear definitions for key concepts,

Extreme divergences between platforms and investor profiles in terms of asset allocation and expected returns reveal significant deficiencies in the suitability of the algorithms’ investment recommendations. From virtual meetings and parties to shopping and dating online, people have en masse moved countless aspects of their lives into the virtual sphere due to restrictions imposed by

On Tuesday, 20 October 2020, the Supreme Court of Estonia ruled that the current government’s hotly contested pensions “reform” is not unconstitutional. The reform is set to dismantle the foundation of the second (occupational) pillar of the Estonian pension system. It is worth noting that many of the Judges who ruled in its favour, did

As the COVID-19 virus continues to spread around the world and emergency confinement measures have disrupted markets, bankers on both sides of the Atlantic have called for a relaxation of accounting standards introduced in the wake of the Great Financial Crisis, known as “expected credit loss provisioning”. These calls, like much bank lobbying attempting to influence capital regulation,

Brussels, 20 November 2019 – BETTER FINANCE Publishes its survey on “green” investment products in cooperation with Financial Analysts Besides addressing crucial environmental and social issues, the concept of sustainable finance should translate into investment products that are exemplary in complying with EU investor protection, governance and conduct of business rules. An investment can be

More than 100 climate-themed funds listed on global exchanges have approximately the same level of thermal coal exposure as the World MSCI Index of large cap equities, according to research from InfluenceMap. The findings highlight the need for greater attention and supervision of climate-themed and broader environment, social and governance (ESG) investment in terms of

Despite the attempts to channel equity trading to the “lit” markets, more than half of European stock is bought and sold through “dark pools”. BETTER FINANCE has long criticised its negative effects on transparency and pricing, promoting the need to restore confidence in financial markets. Attempts to regulate the financial markets and instruments have already

Read this notice carefully as it may affect your legal rights This lawsuit alleges that Pretium and Quartermain released documents containing misrepresentations about the Company’s business and operations at its Brucejack Mine. The lawsuit further alleges that when the Company issued statements correcting these misrepresentations on October 9, and 22, 2013, the price of Pretium’s

The average individual investor is overwhelmed by the sheer complexity of, and uncertainty associated with, the investment products available. Earlier this year, the European Commission released the findings of a study it commissioned on the European market for retail investment products. This should be seen in light of the continued work towards a Capital Markets

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