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The document serves as BETTER FINANCE response to selected questions of ESMA’s discussion paper on the implications of digitalisation for investor protection under MiFID II. The document “Discussion Paper on MiFID II investor protection topics linked to digitalisation” provided by the European Securities and Markets Authority (ESMA) focuses on various aspects of digitalisation in the

We are pleased to share that Jesse Collin, from BETTER FINANCE member organization Finnish Share Promotion Foundation, has been selected as a member of ESMA’s Consultative Working Group in the Risk Standing Committee – Investor Trends and Research Working Group. The working group will focus on consumers, ESG and innovation related topics. For a full

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

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

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…”

According to the European Securities and Markets Authority’s (ESMA) recent study on the EU Eco-label awarded to green retail financial products and services, only 16 funds out of a sample of 3000 meet the proposed minimum portfolio greenness threshold of 50% and exclusion requirements. In view of these findings, the supervisor has suggested loosening requirements

The European Commission published a legislative proposal for a regulation on European green bonds, which is supposed to become the high quality voluntary European Green Bond Standard. Its intention is to use the potential of the single market for achieving the EU’s climate and environmental goals in a more efficient way.

There is a growing wave of ESG regulation and an increasing need for ESG reporting – nationally, regionally and internationally. In Europe, ESG rating and data providers are indicative of an immature but growing market, which has seen the emergence of a small number of large non-EU headquartered providers.

The International Financial Reporting Standards (IFRS) created the International Sustainability Standards Board “to provide the global financial markets with high-quality disclosures on climate and other sustainability issues.” As part of its work, the ISSB published two exposure drafts on climate-related disclosures and geenral requirements for disclosure of sustainbility-related financial information.

EuroFinUse was quoted by the Financial Times in relation to the European Securities and Markets Authority recent report on structured products. Following "relatively low” returns on investment in structured products over the past five years, the ESMA is concerned that retail investors who invest in structured products that use hedge fund-type strategies might not have

EuroFinUse was quoted by the Financial Times in relation to the European Securities and Markets Authority recent report on structured products. Following "relatively low” returns on investment in structured products over the past five years, ESMA is concerned that retail investors who invest in structured products that use hedge fund-type strategies might not have sufficient

BETTER FINANCE published its response to ESMA Consultation on Draft guidelines on complex debt instruments and structured deposits.

EuroFinuse fears that the proposed guidelines for the choice and presentation of performance scenarios will mislead information for retail investors. These performance scenarios should reflect probable or highly probable returns in order to guide investors and be consistent with the EC Regulation implementing the Investment Funds Directive.

BETTER FINANCE, a leading advocate for investor rights and financial transparency, has released a position paper on transition investing, emphasizing its importance in achieving climate neutrality in the EU. The paper stresses the need for credible, transparent transition plans to avoid greenwashing, advocating for structured engagement over divestment in carbon-intensive industries to drive the shift

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.

LUXEMBOURG, 4 NOVEMBER 2019  – Document optimisation company More Carrot has completed what is believed to be the industry’s first study of UCITS prospectuses. The findings shed light on a range of issues, including who uses prospectuses, the main purposes of use, what types of information they look for and how easy it is to

BETTER FINANCE welcomes the report from ESMA on the cost and performance of retail financial investment products in the EU that provides an initial mapping of the current state of the market concerning UCITS, AIFs and structured retail products (SRPs). This annual statistical report complements the other valuable research releases by ESMA – i.e. the

Prospectus Regulation Adopted in June 2017 as part of the Capital Markets Union Action Plan, the Prospectus Regulation aims to it make easier and cheaper for companies to access capital and improve the user-friendliness for investors of SME prospectuses. ESMA published 3 consultation papers on the format and content of the prospectus, on the EU

On Tuesday evening the the European Commission, the European Parliament and the Council of Ministers reached an agreement on MiFID II. Overall EuroFinUse welcomes the agreement and will continue its active involvement and hard work throughout the remaining process, with special attention for the upcoming level 2 legislation, to ensure the best possible outcome for end users of financial products.  MiFID II constitutes

On November 28th BETTER FINANCE and FESE will be hosting a webinar on ‘Enhancing Retail Participation in Capital Markets Through Pension Products’. As part of European Retirement Week 2023, the webinar will assess the Retail Investment Strategy’s impact on pension investments in capital markets and explore the reasons behind Europeans’ limited investment in pension products.

  The roundtable on the distribution of retail financial products will bring together representatives of key industry and consumer stakeholders. This meeting aims to launch a reflection on issues related to the retail investments market’s current practices, as well as relevant technological and societal trends. ‘Interventions by stakeholders’ will take place between 9:10 – 10:00

BETTER FINANCE was quoted in a recent Reuters article on the ongoing discussion surrounding the European Union’s plans to enhance consumer protections in the financial services sector through its retail investment package. Notably, the EU aims to introduce ‘value for money’ safeguards as well as a ban on “inducements” for non-advised sales of investment products,

On 2 March 2023, BETTER FINANCE was one of the two organisations representing individual investors and financial users invited by the European Commission (together with 5 financial industry representatives) to address representatives of EU Member States at a “Government Expert Group on Retail Financial Services” meeting in Brussels on the Commission’s initiative of a “Retail

Packaged retail and insurance-based investment products (PRIIPs) cover the range of investment products marketed to retail investors which are subject to an investment risk.

BETTER FINANCE considers the recent proposal to ban “inducements” (commissions) in “retail” investment services to be a very significant milestone in investor protection and firmly urges EU Member States to also support it. EU authorities are currently working on the reform of rules surrounding market structures and execution of client orders, namely the EU Regulation

Individual, non-professional investors have an increased appetite for investing in capital markets following the global health pandemic. Evidence in several jurisdictions shows that many new, young, and tech-savvy savers started to invest without professional assistance through what is called execution-only services under EU law . The European Supervisory Authorities (ESMA, EIOPA, EBA) have a legal

BETTER FINANCE welcomes the fourth report on insurance and pension products’ costs and past performance published by the European Insurance and Occupational Pensions Authority (EIOPA). For the 2022 report, EIOPA received information on more than 760 insurance-based investment products (IBIPs). The research notes that despite the challenges posed by the COVID-19 pandemic, “both insurance and

Greening investments is a top priority for the EU, which requires financial advisers to consider the environmental objectives of their clients and beneficiaries. However, energy efficiency (EE) and sustainable energy (SE) investments face a finance gap. The EU-funded LEVEL EEI project makes these EE and SE products more competitive. It conducts behavioural science field experiments

While the aim of the EU Ecolabel should be to guide retail investors towards truly sustainable financial products, and at the same time avoid the greenwashing of unsustainable investments, the current proposal creates the exact opposite scenario for the label. It is labeling unsustainable investments as “green” and not sufficiently promoting targeted and genuine sustainable

After the 2023 AGM season and looking ahead to the 2024 season, BETTER FINANCE and its member organisations voice concerns about the erosion of shareholder rights. Inadequate rules for Virtual Annual General Meetings (AGMs) in some Member States highlight the need for broader engagement and representation frameworks for investors to truly benefit from digitalisation. The

BETTER FINANCE’s full Response to the Targeted Consultation on SRDs – Shareholder Rights Directives (SRD1 and SRD2) for the European Commission by the CSES — [15 December 2023]. BETTER FINANCE advocates for the enforcement of investors’ and shareholders’ rights, underscoring the pivotal role of engagement as a cornerstone within robust green transition plans and corporate

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