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2018 has gotten off to a shaky start… With the start of the New Year, the updated Markets in Financial Instruments Directive (MiFID II) rules came into force, requiring investment managers to reveal transaction costs that were previously not included in the ongoing charges information for Ucits funds. Despite continuing opposition from the investment industry,

There are differences between intermediated or “packaged” investments (life insurance, funds, savings plans, etc.) and direct investments in capital markets (ETFs, bonds, shares). Several independent studies indicate that the higher the annual fees, the lower the average medium and long-term returns of investment products. Annual fees for intermediated products are much higher than those for direct savings in securities.   The impact of these fees in France has been especially significant for certain insurance

BETTER FINANCE thanks the European Securities and Markets Authority (ESMA) for its “peer review” report on the Wirecard scandal. It is quite revealing of the many failures and conflicts of interests that can plague even the most resourced national financial supervisors. It is unfortunate however that ESMA did not look into the handling by the

Based on an article written for Managermagazin, by Axel Kleinlein, BETTER FINANCE President and Head of the Association of the Insured (BdV), Germany’s largest consumer protection organisation for the insured. A consumer advocate enthusiastic about an unsuccessful defence minister? That may sound surprising… but let me try to explain myself. As the newly elected president of

2018 saw the start of the implementation of the packaged retail and insurance-based investment products (PRIIPs) regulation, imposing a new standardized information document (KID) to parties providing investment products. BETTER FINANCE, ahead of the curve, was quick to point out the inconsistency between MiFID II`s rejection of future performance based on past performance, and the

In a white paper on MiFID II and PRIIPs rules, FE Limited, a UK-based investment ratings and research agency, warned about the difficulties advisers will face when providing clients with personalised data about their funds (costs, purchases and sales of funds). Three difficulties stand out:  First of all it looks as though some fund firms

Bank of America, the second-largest U.S. bank, agreed to pay $9.3 billion to settle a lawsuit arising out of troubled mortgage-backed securities it cobbled together and sold to several federal housing agencies such as Fannie Mae and Freddie Mac. The settlement, announced on Wednesday, includes $6.3 billion in cash and $3.2 billion in securities that Bank

A recent study by S&P Dow Jones Indices once again illustrates that active managers have trouble beating the indexes, especially over the long term. There seems to be no end in sight to the debate between advocates of active investing and those promoting a passive strategy, with the former defending their ability to deviate from

Regulators are planning to hit nine of the biggest insurance companies with new safety rules which are tougher than the industry expected. The proposals are estimated to increase the capital requirements for unexpected losses by 10 percent on average. Insurers have attacked the plans of the G20’s Financial Stability Board, which oversees the new regime

Interest rates, which sat between zero and 0.25% in the US and 0.5% in the UK for the past years, were supposed to go up this year. However, the Fed decided not to increase them while Andrew Haldane, the BoE’s chief economist proposed an interest cut instead of a raise. With a rising number of

BETTER FINANCE is pleased to announce a new collaboration with SASV (Schweizerischer Anlegerschutzverein), the Swiss Investor Protection Association, further expanding its pan-European network. SASV is dedicated to promoting transparency within the Swiss capital market and advancing investor rights. This partnership with BETTER FINANCE aims to bolster the representation of Swiss individual investors and shareholders on

BETTER FINANCE welcomes the European Commission’s WHT FASTER Proposal that has to potential to bring procedural progress in addressing longstanding obstacles to tax recovery for investors dealing with their cross-border investment income. We applaud an EU-wide framework to streamline withholding tax (WHT) refund modalities under common reporting, and support its digitalisation addressing the current hurdle

On Tuesday, 19 September from 15:00 to 16:30 in the European Parliament in Brussels, a public hearing on the “New EU common system for the avoidance of double taxation and prevention of tax abuse in the area of withholding taxes” will take place. The hearing aims to address the burdensome withholding tax refund procedures for

BETTER FINANCE supports the recent proposal put forth by the European Commission, aimed at simplifying the reimbursement of cross-border withholding taxes. Guillaume Prache, the Managing Director of BETTER FINANCE, expresses cautious optimism and states, “This proposal, which was swiftly introduced following a joint study conducted by BETTER FINANCE and DSW – Germany’s leading association for

Many investors commonly use the strategy of investing in dividend stocks. Yet, investors holding foreign shares often have to pay additional withholding tax on dividends in the respective country. A recent survey conducted by BETTER FINANCE and DSW[1] among 3,000 investors across the EU found that withholding tax (WHT) refund procedures are cumbersome and costly,

A recent survey conducted by BETTER FINANCE and DSW among 3000 investors across the EU found that withholding tax (WHT) refund procedures are cumbersome and costly, making it difficult or financially unreasonable for non-professional investors to reclaim excess withholding tax on cross-border dividend income. More than 90% of European investors find the WHT reclaim procedure

On Thursday 13 April Ferrovial, the Spanish construction group, announced that its shareholders have approved a plan to relocate its holding company to the Netherlands through a reverse merger with its Dutch subsidiary Ferrovial International SE (FISE). The decision was made during Ferrovial’s Annual General Meeting (AGM). This strategic move aims to facilitate future listings

[ARCHIVED: This survey is now closed] The refund of withholding taxes on dividends – to avoid double taxation – can be a complicated procedure for private investors/shareholders across the European Union. Many factors must be taken into account, including the tax residence of the shareholder and the country of the issuer (the listed company), administrative

Eurozone inflation mushroomed from 3.4% to 10% in one year, further deepening Europe’s cost-of-living crisis, yet the best the European Central Bank (ECB) could muster is a late and timid hike of interest rate from 0 to 0.75%. Financial repression policies in place since the crises of 2008 and 2009 are being tightened further in

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

BETTER FINANCE endorses the FSUG’s call for improved ‘Value for Money’ in retail investments. The focus is on enhancing the effectiveness of packaged retail and insurance-based investment products (PRIIPs) to contribute significantly to investors’ financial well-being. The FSUG emphasises the responsibility of product manufacturers to design products that boost investors’ financial wealth and urges supervisors

⬇️ Read or download BETTER FINANCE’s Individual Investors’ Key Priorities for 2024-2029 below. ⬇️ Let’s harness the Capital Markets Union’s (CMU) potential to benefit our citizens as financial consumers, retail investors and pension savers, as well as our planet, the economy, and for future generations. This will ensure Europe’s prosperity and security in a rapidly

DG FISMA will be organising a roundtable on January 25th, 2024 at 10:00, where Aleksandra Maczynska, Acting Managing Director at BETTER FINANCE will address the panel on ‘Opportunities from a shorter settlement cycle in the EU’.

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

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