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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

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

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

BETTER FINANCE is pleased to announce the appointment of Professor Barbara Alemanni, a specialist in behavioural finance and one of the four academic members of the European Securities and Markets Authority’s Securities and Markets Stakeholder Group, to the BETTER FINANCE Scientific Council.   ⬇️ Read or download the full press release below. ⬇️

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,

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

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

Brussels, 14 December 2023 – On December 11th, the BETTER FINANCE Scientific Council convened to discuss next year’s research program and to elect a new chairperson. The Council recommended that BETTER FINANCE continues to build on the extensive research conducted by the team and expressed support for the 2024 research program, including further research on

BETTER FINANCE supports FSUG’s COP28 statement, calling on the European Commission to ensure the green transition burden isn’t solely on citizens and communities. ⬇️ Read the full statement below ⬇️

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.

The EU taxonomy for sustainable activities (i.e. “green taxonomy”) is a classification system established to clarify which investments are environmentally sustainable, in the context of the European Green Deal. The aim of the taxonomy is to prevent greenwashing and to help investors make greener choices. The Taxonomy Regulation (complemented by the Sustainable Finance Disclosure Regulation)

The Finnish Foundation for Share Promotion is a neutral foundation that finances its operations with the rental income of the Stock Exchange Building Oy. The Finnish Foundation for Share Promotion is an associate member of BETTER FINANCE.

Thanks to the stellar lineup of international and Slovenian speakers and panelists, you were numerous in attending the joint BETTER FINANCE and VZMD International Investors’ Conference in Bled, Slovenia on 13 September. Thank you for your enthusiastic participation! You were also joined by over 350 participants who followed the conference online, with live streaming on

Asset managers are urging Brussels to delay implementation of its landmark sustainable investing rules. The resistance from the investment industry shows the struggle and complexity between policymakers´ambitions to push for greener finances and the harsh reality of implementing a new financial system. The rules are expected to come into force in March 2021, a deadline

The challenge of an aging population is getting more and more acute every day. On the one hand, the European Commission states that close to one out of five people over 65 in the European Union are at risk of poverty and that women are not sufficiently protected with regard to their rights to an

European Federation of Investors and Financial Services Users in short « BETTER FINANCE » ASBL Rue d`Arenberg 44 1000 Brussels Name, legal status, term and legal domicile Art. 1 The name of the not for profit Association is “European Federation of Investors and Financial Services Users”, in short “Better Finance” (the Association). Art. 2 The

The BETTER FINANCE team As an association of national member organisations, BETTER FINANCE is supported by a small professional Brussels-based team and our friends on Facebook and LinkedIn. New members and supporters are always welcome to get involved. Our team consists of finance professionals, lobbyists and communication specialists who carry out the core activities of BETTER FINANCE. Managing Director, Aleksandra Mączyńska

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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

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 provided an initial feedback to the EC’s plans to create a system for accessing financial data (FIDA) to boost digital financial services by promoting competition. We suggest carefully considering the risks and benefits of opening up a financial data market using based on contractual, industry-led ‘schemes.’ FIDA proposes a change that would make

Climeworks offers carbon dioxide removal for individuals and businesses who want to fight climate change. You can take action on behalf of the planet by permanently removing unavoidable CO₂ emissions.

BETTER FINANCE released its updated report on the progress of the European Capital Markets Union (CMU), and the results are discouraging. The report analyses the first five key performance indicators (KPIs) used to assess the progress of the CMU, and adds two additional KPIs to reflect developments in EU capital markets. The report is based

The Retail Investment Strategy will be key in establishing a Capital Markets Union “that works for people”. The successful combined completion of the Retail Investor Strategy and the CMU Action Plan could generate a quantum leap in investor protection, empowerment and engagement, to their benefit and to the benefit of the CMU, sustainable investing and

BETTER FINANCE welcomes this unique initiative from EIOPA as an example of best practice in terms of supervision and investor protection, not only at the EU level but on the global regulatory scene, especially given the architecture of the distribution market for retail investment products. EU savers have been slowly diverted from direct investments towards

In response to the global financial crisis, the EU started working towards a safer financial sector for the EU single market, triggering changes to European financial legislation and to the financial supervisory architecture. The single rulebook for all financial actors in the EU was enhanced, comprising stronger prudential requirements for banks, improved protection for depositors

The Commission is launching a public consultation, gathering evidence to create a safer financial sector for the EU single market. Click bellow to read Better Finance feedback on why it’s important for retail users to make sure there is adequate depositor protection shielding them from the effects of bank failures.

On 1 July 2020, Germany took over the Presidency of the Council of the European Union from Croatia and published the presidency programme for the next six months, including several aspects related to financial services, highlighting “a sustainable financial market architecture, stable financial policy and fair taxation”. With regards to taxation the German Presidency is

On Monday Les Echos reported on the European Securities and Markets Authority’s (ESMA) study on performance fees charged by UCITs which, together with inflation (albeit to a lesser extent), various charges and entry/exit fees, have on average reduced European investors’ returns by 29%. BETTER FINANCE urges that ESMA extend the time horizon of its study, as

BETTER FINANCE, the European Federation of Investors and Financial Services Users, welcomed the European Commission’s launch of a Retail Investor Strategy in September 2020, as a once in a lifetime opportunity to create a capital markets Union that works for people. Nevertheless, the legislative proposal, despite incorporating certain positive advancements, falls short of fulfilling several

Keynote address by Jella Benner-Heinacher on market structures, “retail” investors, and payments for order flows (PFOF) Thank you for the invitation and congratulations to FESE to organize such an impressive conference in Prague. I would have loved to be personally in this beautiful city of Prague but unfortunately, I can only attend virtually. Nevertheless, I

BETTER FINANCE screened available evidence (literature, surveys, experiments, and statistical data) comparing the impact of allowing the receipt of “inducements” by distributors or brokers of “retail” investment services and products, versus banning it. Two jurisdictions in Europe already banned the receipt of commissions for the distribution of retail investment products: the United Kingdom, since 2012,

BETTER FINANCE Member VZMD makes Objections Public in OPEN LETTER to the CEO of the Slovenian Securities Market Agency (ATVP), the national competent Authority In a press release at the end of 2021, VZMD – the Pan-Slovenian Shareholder Association and BETTER FINANCE Member – drew attention to the mass dissemination of letters and “innovative” offers

Lately, many shareholders in public limited companies have turned to the PanSlovenian Shareholders’ Association (VZMD) and stated that they have received various letters and very strange offers from IGOR ŠTEMBERGER, the CEO and owner of ILIRIKA bornz-posredniška družba, d.d. (a brokerage company). In certain cases, the offered prices for shares were extremely low. In others, they offered shareholders shares of the company ILIRIKA MOJA

BETTER FINANCE Member, VZMD (The Pan-Slovenian Shareholders’ Association), disputes the decision of MERCATOR General meeting allowing for an (unnecessary) recapitalisation by swapping a part of the debt which is due to the bankrupt AGROKOR (transferred to the FORTENOVA GROUP) and is thus paving the way to squeeze out the remaining 1284 minority shareholders. Last week,

“It is the innate conservation of the people that has kept our money good in spite of the fantastic tricks which financiers play – and which they cover up with high technical terms. The people are on the side of sound money. They are so unalterably on the side of sound money that it is

Back in November 2017 we formed an Alliance to voice our disappointment with the European Commission’s proposal for the review of the European Supervisory Authorities (ESAs), and to make proposals to remedy the situation. The Alliance reiterated its main concerns in a joint statement in July 2018, following the report on the review by the

As financial experts and policy advisors urge Brussels to make structural changes in the investment industry, the European Commission has been presented with a “game-changing” plan to overcome the dual challenges of the corona pandemic and Brexit through the unification of the 27 national markets in the EU into a single capital markets union (CMU).