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For long‐term and pension savers, the year 2022 was undoubtedly a calamitous one. Poor capital market performance and sky‐rocketing inflation across all European Union (EU) Member States resulted in disastrous returns, both in nominal and real terms, for virtually all of the product categories analysed in this report. This comes after a year 2021 that

The Real Return of Long-term and Pension Savings 2023 – Austria The Real Return of Long-term and Pension Savings 2023 – Belgium The Real Return of Long-term and Pension Savings 2023 – Bulgaria The Real Return of Long-term and Pension Savings 2023 – Croatia The Real Return of Long-term and Pension Savings 2023 – Denmark

For long‐term and pension savers, the year 2022 was undoubtedly a calamitous one. Poor capital market performance and sky‐rocketing inflation across all European Union (EU) Member States resulted in disastrous returns, both in nominal and real terms, for virtually all of the product categories analysed in this report. This comes after a year 2021 that

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.

For a decade, BETTER FINANCE has flagged the persistently low real returns in EU long-term and pension savings. As government and occupational pensions dwindle, Public Authorities urge earlier and increased savings for retirement. Yet, this advice often disregards a fundamental issue: inadequate, sometimes negative, long-term real returns after inflation.  BETTER FINANCE reports disprove the claim

The recent ARTE documentary titled “The Future of our Pensions” explores how to make the EU pensions system more effective at providing adequate returns. This in-depth feature examines pension systems throughout the European Union and includes interviews with policymakers, scholars, stakeholders, and retirees to provide a comprehensive look at the current state of pensions in

Pensions Report - Overview BETTER FINANCE is committed to ensuring pension adequacy and transparency in pension returns for EU citizens. We recognize the ongoing challenges faced by pensioners in attaining a sustainable retirement income, including the impact of ‘financial repression’ on the purchasing power of EU pensioners and the growing strain on the provision and

BETTER FINANCE published the 10th edition of its “Real Return of Long-Term and Pension Savings report | 2022 Edition”. Download the full report in English for free here. A Summary version of the report can be found below.

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

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…”

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

In this video, BETTER FINANCE, INVESTAS and F2iC have put together the most important information on what you need to know about funds and how to invest in them.

An analysis by ESMA, the European Securities and Markets Authority, has shed light on the costs and performance of Environmental, Social, and Governance (ESG) funds compared to non-ESG funds. The findings reveal that ESG funds have lower costs and better performance, even after considering factors such as portfolio composition. Understanding the drivers behind these differences

In 2021, the total income generated by securities lending operations globally stood at €7.8 billion, up by 21% compared to 2020. The majority of operations and lenders are outside the EU, and around 88% of securities on loan were sovereign bonds and equities. In the EU, lenders cannot derive any profit from securities lending. All

As stated by ESMA “the COVID-19 crisis offers the opportunity to test the hypothesis [often claimed by the industry] that active equity UCITS outperform their benchmarks during stressed market conditions”. In light of this period of market downturn followed by a quick recovery and then stabilisation, ESMA analysed a sample of actively managed equity UCITS funds,

BETTER FINANCE’s Managing Director, Guillaume Prache, participated to the last episode (Are consumers being mis-sold investment funds?) of the podcast Fair and Square, part by Fideres. Fideres is an international economic consulting firm that specializes in investigating corporate and financial wrongdoing. In this episode, the programme delves into issues such as disguised index funds (closet indexing), false

16 juillet 2021 – La population européenne vieillit… Ajoutez à ce constat le fait que les comptes d’épargne des citoyens européens perdent rapidement de leur pouvoir d’achat (avec des taux d’intérêt bancaires inférieurs à l’inflation), et il devient évident que les épargnants doivent chercher des solutions différentes. Vu sous cet angle, l’avenir de la population

Following on the heels of its 2020 video on “why to invest in shares?” (published exclusively in French), BETTER FINANCE now launches a new educational video on “Investing in Funds”, in English as well as in French. This latest video takes a deeper look at investment funds in Europe and explains how individual investors can

Proposed by the European Commission in 2011, to make sure the industry made a “ fair contribution” after taxpayers bore the costs of the financial crisis, the Financial Transaction Tax ( FTT)  is under discussion regarding its effects on pension funds.On the 21st of February, a meeting involving the Finances Ministers of those countries was

The Financial Times reports that investors fear that the new accounting rules proposed by European regulators might mask the onset of another credit crisis. Under the new rules, financial institutions would be required to second guess whether the loans that they originated could default. As this is very similar to what happened during the recent

Aimed at certifying the most virtuous funds, the SRI label, which has just been reformed by the government, now excludes companies with new oil projects. Guillaume Prache denounces an ideological reform that risks favoring foreign oil and gas companies. The reform of France’s SRI (socially responsible investment) label, as announced by the French Ministry of

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 welcomes the amendments to the Taxonomy Disclosures Delegated Act (Art 8) in providing consistent methodologies and economic performance indicators that ensure financial and non-financial undertakings disclose the relevant taxonomy eligibility and alignment information. In order to strengthen market transparency and encourage companies to green their activities and portfolios, it is crucial to have

KIDs provide consumer-friendly information about the key features of investment products, including what investors might gain and the risks and costs involved. Their ultimate aim is to improve transparency in the investment market.

To collect input for the European Commission’s work on a legislative initiative that aims to strengthen the investment protection and facilitation framework in the EU as part of the capital markets union action plan, the directorate-general for financial stability, financial services and capital markets union (DG FISMA) commissioned a study to collect evidence on investor

According to a study brought up by the Financial Times, private investors seeking to question company strategy at annual general meetings are increasingly being ignored as Annual General Meetings (AGM) have moved online to adapt to the pandemic and confinement measures. Only 36 per cent of questions posed to companies by shareholders at virtual AGMs

The European Central Bank (ECB) extended its recommendation for European banks to withhold the payment of dividends until, at least, 1 January 2021. This might seem like a logical step in the middle of one of the biggest crisis of the century, in an attempt to keep the force of financial establishments expected to absorb

There is bad news for Belgian investors as Belgium and France have reformed a new tax treaty which, according to two sources close to the negotiators, would stop the Cour de cassation, one of the four courts of last resort in France, from allowing it to reduce the double imposition of dividends. The current convention

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