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The fall in global equity and oil prices seen on Monday – and a simultaneous surge in the gold price – shows how investors have been complacent with regards to the coronavirus. The disease – which has spread outside of China – is impacting global markets in a way that was “underestimated”, according to Nigel

“Whistle-blowing“ is one of the most important tools to fight singular or structural breaches of law in EU Member States.[1] According to the European Commission, whistle-blowing is a form of reporting or disclosing acts or omissions that ‘represent a threat or harm to the public interest (such as fraud, corruption, tax evasion, threats to public

A new regulation raising standards for investment managers entered into force last week in the US, protecting investors and worrying active assets managers.  Drawn up by the Obama Administration, this new fiduciary rule applies to the $16tn retirement investment market and is expected to spell the end of financial advisers recommending expensive funds to clients

VFPK, the association of German company pension schemes, claimed that the ECB’s recent decision to lower its benchmark interest rate has been “tantamount to expropriation from private households and savers”. According to its chairman Helmut Aden, people “did not have a chance to accrue assets for their pension provision”. He believes the ECB and politicians should “end

In reality returns on pension savings are a lot lower How much money did you put aside for your old age? More importantly, what are the returns on that piggy bank? According to BETTER FINANCE, a European consumer organization which advocates more transparency in the financial sector, the returns are much lower than assumed… after

Research by BETTER FINANCE, published in 2015 in BETTER FINANCE’s briefing paper on the Capital Markets Union (CMU) initiative, debunked the myth that individual investors are short-term oriented. Now a survey carried out by S&P Dow Jones Indices (SPDJI), one of the world’s largest index providers has provided another angle to the debate, indicating that

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

[A provisional version of the publication was available in January 2024. The document has been updated to the final March 2024 version] The report by CFA Institute and BETTER FINANCE critically reviews the EU’s listing rules, targeting reforms to improve public market accessibility for small and medium-sized enterprises (SMEs). It aims to foster debate amidst

DWS, a German asset manager, has settled with the U.S. Securities and Exchange Commission (SEC) for $19 million. This settlement is over greenwashing allegations and is the SEC’s highest penalty related to environmental, social, and governance (ESG) criteria against an investment adviser. An additional $6 million penalty was imposed for anti-money laundering violations, totaling $25

BETTER FINANCE welcomes the objectives of the Listing Act review put forward by the European commission to make EU Capital Markets more attractive for companies, particularly for SMEs.[1] Investor associations have long emphasised that to revitalise the Capital Markets Union, the EU’s primary and secondary markets need a boost, that is, greater participation from EU

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

Original article in L’Echo Over the years BETTER FINANCE (Pension Savings – The Real Return) has warned authorities and stakeholders of the damage caused by excessive fees to the returns on long-term and pension savings in Europe. Last July, BETTER FINANCE was joined by the Belgian Financial Services and Markets Authority (FSMA) that warned investors

On 3 April the European Securities and Markets Authority (ESMA) published its final guidelines on performance fees in investment funds, applicable to Undertakings for Collective Investment in Transferable Securities (UCITS) and certain types of Alternative Investment Funds (AIFs). These guidelines aim to provide rules for fund managers when charging performance fees to retail investors as

Despite a 10-year bull market both for European equities and bonds, the outlook for European pension savers remains bleak. Whereas returns have improved in recent years, the Better Finance study, Pension savings: the real return, once again shows that most long-term pension savings products did not, on average, return anything close to those of capital markets.

Among other topics, the latest newsletter of POLITICO discusses the clash of fund managers and consumer groups on fees and responses to ESMA’s Consultation Paper on Guidelines on Performance Fees in UCITS. BETTER FINANCE, as a representative of financial services users, was quoted in the newsletter: “It falls under the fair treatment of investors to penalize the

BETTER FINANCE welcomes the recent efforts of ESMA to clarify and harmonise across the EU the provisions and supervisory practices on the management and transparency of information concerning UCITS and AIF funds, and in particular the current proposal to codify uniform rules applicable to performance fees. As a representative of retail investors (among others), BETTER FINANCE

For the seventh year in a row, BETTER FINANCE embarked on the herculean task of gathering all the data on private pensions in 17 EU Member States and published its annual report on the real net returns of long-term and retirement savings in Europe. Despite the fact that the European Supervisory Authorities (ESAs) have a

Shortly after its release, the new research by BETTER FINANCE on the Correlation between Costs and Performance of EU Retail Equity Funds has been picked up by media outlets across  Europe. The study is based on a very large sample of funds  (1,970 active funds), with BETTER FINANCE covering equity funds domiciled in France, Luxembourg

Daniel Brocklebank, UK director of Orbis Investments, warned the audience at the 72nd CFA Institute Annual Conference: Bad incentives lead to bad results, particularly when it comes to investment management. With that in mind, Brocklebank suggested that it was worth considering incentives, especially since they affect asset manager behaviour. According to him, while management fees

The Financial Conduct Authority (FCA) is considering either banning or capping exit fees charged by investment platforms. Christopher Woolard, executive director of strategy and competition at the FCA noted that even though the platform market is working well, it needs to be less expensive and time-consuming. According to him, restricting exit fees would make it

BETTER FINANCE welcomes and supports EIOPA’s ongoing work on a supervisory toolkit to assess the value for money offered by unit linked and hybrid insurance products. Since its creation, BETTER FINANCE has been fighting for regulatory and supervisory action to improve the returns of long-term and pension saving products. As BETTER FINANCE research shows, high

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

The Financial Services User Group (FSUG) welcomes the ongoing legislative and supervisory works aiming to improve the ‘Value for Money’ that retail investors obtain from their packaged retail and insurance-based investment products (PRIIPs). The FSUG argues that ensuring retail investment products are effectively designed to increase the financial wealth of investors should be amongst the

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

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,

⬇️ 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

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