The resource you're requesting could not be located (404).

Note: As of early january 2019, BETTERFINANCE has a new website, and it seems the content you are trying to access has been moved or its address has been updated.
Here below is a list of what we think might be related to the content you're interested in.
40 search results

The resources are aimed to inform on consumer credits, loans and other financial services legislations.

BETTER FINANCE welcomes the Delegated act obligations for certain large undertakings to publish non-financial information. The rules set out in the delegated act clarify and allow for the translation of the technical screening criteria of the Climate Delegated Act (and the future Environmental Delegated Act) into quantitative economic performance indicators that will need to be

“Behavioural finance experts [at Oxford Risk] have found financial advisers can give “remarkably different” advice from each other to the same clients based on factors including sleep or how long since the adviser last ate.” They said that recommendations “were closer to totally random than totally consistent” and were, furthermore, dependent on advisors’ personal characteristics

SearchCategoryAllBanking (20)Capital Markets (equity & bonds) (51)Capital Markets Union (CMU) (2)Financial Education (10)Financial Reporting & Audit (10)FinTech (14)Life Insurance & Pensions (25)Other (15)Packaged Investment Products (24)Securities Markets & Trading (27)Shareholder Rights & Corporate Governance (28)Supervision & Redress (37)Sustainabe Finance (32)Uncategorised (1)Article TypeAllIn the newsPress CoverageSort byDefaultDate (Newest)Title (A - Z) FT: Surge in EU sustainable

BETTER FINANCE was mentioned in an article made by the newspaper Déontofi concerning the life insurance in Europe. Read the full article in french here. 

This is a test

The EU has been working on a framework for third-pillar personal pension products (PPPs) for quite some time now. In July 2012, the Commission requested the European Insurance and Occupational Pensions Authority (EIOPA) to provide technical advice to develop an EU Single Market for personal pension schemes. In February 2014, EIOPA delivered a preliminary report.

In a recent Financial Times article, Guillaume Prache, Senior advisor at BETTER FINANCE, criticizes the use of Article 8 funds in sustainable investing. He argues that increasing the minimum sustainable investment percentage in these funds is ineffective and prone to greenwashing. These funds often oversimplify sustainability as mere ‘green activities’ and predominantly use an exclusion

The Sustainable Finance Disclosures Regulation (SFDR) started applying in March 2021 and requires financial market participants and financial advisers to disclose at entity and product levels how they integrate sustainability risks and principal adverse impacts in their processes at both entity and product levels. It also introduces additional product disclosures for sustainable financial products making

The Retail Investment Strategy (RIS) compromise currently on the table for a European Parliament vote blatantly disregards the interests of retail investors and the establishment of a competitive Capital Markets Union (CMU). Should Ms Yon-Courtin’s proposed compromise be approved by the ECON committee on 20th March and subsequently put to a plenary vote one month

Factors influencing the number of new listings/IPOs in Sweden Paper presented to the Policy Committee of ecoDa, January 2022                                                                                                                   According to the EU Commission’s report “Primary and secondary equity markets in the EU” Sweden has had a unique development of the number of new listings/IPOs between 2010 and 2018 compared to all other member

In recent months, BETTER FINANCE members have received a large number of inquiries about the takeover of Crédit Suisse (CS) by UBS. Former CS shareholders consider the price of CHF 3 billion that UBS paid for Crédit Suisse in the form of treasury shares to be far too low. On the last trading day before

Support a BETTER FINANCE for all!➤ Donate via the Fondation de France ℹ️ Residents from France are eligible for tax deduction receipts. ◆ Make a donation online ➡︎ donate here [Fondation de France ‘TGE’ webpage] ➥ click the 'Belgium/Belgique' drop-down menu, find 'TGE - Better Finance' from the list, and choose your gift amount (one-off

For its March Newsletter, DG FISMA (the European Commission’s Directorate-General for Financial Stability, Financial Services, and Capital Markets Union) interviewed Alin Iacob, the new chairman of the Financial Services User Group (FSUG), and Board Member of BETTER FINANCE. Alin Iacob is also the chairman of the Association of Romanian Financial Users (AURSF). In the interview,

BETTER FINANCE is a non-profit international NGO with its office in Brussels acting as an independent financial expertise centre for the direct benefit of European financial services users (individual shareholders, investors, savers, life insurance policyholders, pension fund participants, mortgage borrowers, etc.) and other stakeholders of European financial services who are independent of the financial industry.

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

A month before the International investor conference and the meeting of the European Federation of Investors and the Financial Services Users (BETTER FINANCE) and the World Federation of Investors (WFI) in Slovenia, the Slovenian Press Agency (STA) published an interview with the VZMD President, mag. Kristjan Verbič. In it, mag. Verbič touches on the main topics of

On 22 April at the BETTER FINANCE’s international conference, high-level speakers and over 350 registered participants debated “How to make the EU Capital Markets Union (‘CMU’) work for people?”. For the CMU to succeed, putting equities back at the heart of the EU economy funding and reducing the reliance on bank funding, European citizens and

BETTER FINANCE and its member, the Lithuanian Investors Association (LIA) took note of the Lithuanian Parliament report shedding light on the responsibility of major Scandinavian banks in the 2009-2010 financial crisis in the Baltic States. In Lithuania, where GDP fell by almost 15% as of 2009, the parliamentary investigation reflects LIA’s position on the role

Yesterday, the European Banking Authority (EBA) has published its report on high earners for 2017, available for the first time in a user-friendly format on the remuneration of “staff whose professional activities have a material impact on” the risk profile of the financial institution. The Capital Requirements Directive (CRD IV) sets out principles for sound

BETTER FINANCE fully supports this proposal to include ESG considerations during the advisory and product suitability process. However, we have some concerns regarding the proposal. Firstly, and as raised at several occasions by BETTER FINANCE, before requesting institutional investors and assets managers to include ESG’s client’s preferences in the advisory and product suitability process, we

BETTER FINANCE welcomes this opportunity to comment on the proposal amending Delegated Regulation (EU) 2017/565 supplementing MiFID II as regards organizational requirements and operating conditions for investment firms and defined terms for the purpose of that directive. Investment firms shall act in accordance with the best interest of their clients. As such, when providing investment

Pension savings appear to be one of the few retail services where neither the customers nor the public supervisors are properly informed about the real net performance for customers of the services rendered. There is no recent and comprehensive study on the real net pension savings returns for EU countries. Even OECD data is unfortunately

BETTER FINANCE published the 2017 Edition of “Pension Savings: The Real Return”. Download the report in English for free here. Should you like to order a physical copy please contacts us at info@betterfinance.eu.

This paper tries to assess the regulatory and, more importantly, the supervisory (public enforcement) developments regarding the actual protection of savers, individual investors and mortgage borrowers since the 2008 financial crisis, in particular regarding the mis-selling of savings, investment and mortgage products.

BETTER FINANCE response to the European Commission’s Public consultation on the Capital Markets Union mid-term review 2017 to take stock of progress on the implementation of the CMU Action Plan, re-frame actions in the light of work undertaken so far and evolving market circumstances and complement the CMU Action Plan with new measures which constitute

9 October 2017 – BETTER FINANCE, the European Federation of Investors and Financial Services Users, launched the fifth edition of its annual Pension Savings Report. Started in 2013, the annual research report undertakes an analysis of European pension investment funds and State pensions schemes, in order to provide the European citizen with the ‘real figures’

Speaking at a financial sector conference in Paris early this week, EU Commissioner for Economic Affairs Pierre Moscovici advanced that an EU Financial Transaction Tax (FTT) could be in place by early 2017. In June, 11 European nations representatives met in Luxembourg to discuss the design and future of the measure. However, disagreements on what

BETTER FINANCE, the European Federation of Investors and Financial Services Users, has released its Pensions Report 2023, uncovering the dire challenges confronting long-term and pension savers across 17 EU Member States in the aftermath of a tumultuous 2022. In what is termed an “annus horribilis,” the report exposes the setbacks faced by savers, with disastrous

KBC Against Small Savers? The CEO of the Belgian bank, KBC, has expressed criticism regarding the tax advantage granted to one-year government bonds. However, a more pressing concern lies in understanding why KBC, along with the majority of Belgian banks, offers less than 1% interest on savings for small one-year savers while being able to

At the beginning of the week, BETTER FINANCE and its Member Organisations gathered in Bucharest, Romania, to celebrate the 10-year anniversary of the European Federation of Investors and Financial Services Users and elect its new board and president. BETTER FINANCE is very pleased to announce that it’s new Board elected Axel Kleinlein, from the German

A strong European CMU requires the trust of citizens as individual investors, policy holders, pension savers and other savers. And defusing the pensions time bomb requires positive and decent real long term returns to pension savers. Those can only be reached by increasing the attractiveness of the EU capital markets to the benefit of all

Good news at last for some investors caught in “closet index” funds: fund managers will indemnify investors from 64 UK domiciled funds for £ 32 million following the UK financial supervisor’s investigation. Closet index funds are funds that claim to be actively managed, and charge “active” management fees, but closely track the market indices (before

Yesterday EuroFinUse, WWF and VoteWatch Europe were the last remaining candidates standing at the coveted European Public Affairs Awards, eagerly awaiting the announcement of the winner of the “NGO of The Year” category. The EPA awards single out organisations for excellence in their respective sector, while aiming to encourage best practice in the European public affairs

Following the 2008 financial crisis, a financial reform package aimed at preventing a recurrent crisis, addressing the so-called“too big to fail” issue and promoting financial stability, was enacted. This week the Dodd-Frank Wall Street Reform and Consumer Protection Act celebrates its fifth anniversary since US President Barack Obama signed it. Although some successes are recognised, the slow process of reform has also been at

EuroFinUse’s Managing Director, Guillaume Prache, was a speaker at a hearing held by the  European Economic and Social Committee’s Section for Economic and Monetary Union and Economic and Social Cohesion (ECO) on “Completing EMU – arguments and proposals for the next term of office of the European Parliament and the European Commission” last fifth of

Today, December 17, the European Commission adopted its Work Programme 2015 and announced new initiatives, withdrawals or modifications of pending proposals, REFIT actions (fixing EU law) and a list of legislation that becomes applicable law in 2015.   When it comes to the withdrawals, only one of those mentioned in a leaked letter from Commissioner

Good news at last for some investors caught in “closet index” funds: fund managers will indemnify investors from 64 UK domiciled funds for £ 32 million following the UK financial supervisor’s investigation. Closet index funds are funds that claim to be actively managed, and charge “active” management fees, but closely track the market indices (before