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This report is a collaboration between analysts, actuaries, and researchers from consumer protection organisations. The purpose is to analyse and evaluate the fitness of a selection of life insurance companies’ solvency conditions and reporting. The solvency condition reflects how well-prepared an insurance company is to react and pay out insurance claims to policyholders in case

BETTER FINANCE finds that commission-based distribution models (kickbacks) cost individual investors up to 15% of their investments in sales commissions and generate conflicts of interest which severely hurt their performance. One of the main objectives of the European Commission’s “EU Strategy for Retail Investors” is to “ensure bias-free advice” for individual investors. It is meeting

In the study about the Solvency and Financial Condition Reports (SFCRs) – that have to be disclosed under the Solvency II Directive (Art. 51) – we take a closer look at eight different figures that are calculated and rated: Transparency, expressed on a point scale (from -2 to 19); Solvency ratio, expressed as a percentage

The coronavirus pandemic has dealt a blow to pension systems across Europe, heaping pressure on policymakers to introduce reforms to avoid a decades-long retirement crisis, according to an influential consumer group. Big increases in unemployment will shrink the tax revenues used to fund state pensions and reduce contributions to retirement saving schemes run by employers

Brussels, 20 July 2020 – The new composition of the European Supervisory Authorities’ (ESAs) “Stakeholder Groups” is a step backwards with regard to a balanced representation between industry and consumers in EU financial rulemaking. This is the result of the recent ESAs reform, which reduced the quotas for consumers and academics in favour of financial

“Savers across Europe with private pension plans endured a miserable year for performance in 2018 with widespread negative returns raising more concerns about the health of retirement systems across the region.” Read the full article on FTfm.

Proxy advisers have been mired in controversy due to perceived conflicts of interest and doubts about the adequacy of their resources. They are predicted to remain at the centre of attention, particularly after the launch of the “name-and-shame” register in the United Kingdom, providing details of those companies that failed to attain 80 per cent

Emerging Financial Technology (Fintech) has a, seemingly endless, potential to drive efficiency gains and the disintermediation of financial services, thereby bringing about decreased transaction costs. Keeping in mind that Fintech so far remains relatively unchartered territory, regulatory measures and their effects on the future development of the industry make for heated discussions. Currently, as stated

The European Commission is hurrying to the retirement industry against EU legislation that could hurt the sector.  The European Market Infrastructure Regulation, passed in 2012, provides for an obligation for pension funds to put aside more money in order to comply with the EU legislation on derivatives trading. It sets minimal rules on the collateral

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

On Friday 4 October 2013 EIOPA announced the appointment of the members of their stakeholder groups. Whilst reserving judgement until more information is available, EuroFinUse is cautiously optimistic about the new composition, although much could still be improved. Please read here the press release.

On Friday 4 October 2013 EIOPA announced the appointment of the members of their stakeholder groups. Whilst reserving judgement until more information is available, EuroFinUse is cautiously optimistic about the new composition, although much could still be improved. EIOPA – the European Insurance and Occupational Pensions Authority – is part of the European System of

Following a recent position paper by EuroFinUse on Philippe Maystadt’s Draft Report on IFRS Standards, an article appeared today 9 October in Accountancy Age. The article points out to the fact that the EP’s Economic and Monetary Affairs Committee (ECON) has concerns regarding the funding arrangements for the IASB and Efrag. MEP’s object to the

On Friday 4 October 2013 EIOPA announced the appointment of the members of their stakeholder groups. Whilst reserving judgement until more information is available, EuroFinUse is cautiously optimistic about the new composition, although much could still be improved.

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

There is still a significant impact on investment returns for retail investors due to costs that are on average 40% higher than for institutional investors, Europe’s financial watchdog says. The costs paid by retail investors are “significantly higher” than those paid by institutional investors, leading to lower net returns, said Steven Maijoor, chair of the

On Friday 26 October the joint meeting of the World Federation of Investors (WFI) and World Federation of Young Investors (WFYI) at the Paris Stock EURONEXT marked the conclusion of the annual meeting of the WFI. This year the annual meeting coincided with the 50th anniversary of the French Federation of Individual Investors and Investor

BETTER FINANCE has been monitoring the performance of EU pension and long-term savings since 2013, with its 6th edition of the “The Real Return” by now covering 16 countries and over 85% of the EU population. Unfortunately, the dire state of pension savings across the EU has not improved much over the years. Despite a

BETTER FINANCE has been monitoring the performance of EU pension and long-term savings since 2013, with its 6th edition of the “The Real Return” by now covering 16 countries and over 85% of the EU population. Unfortunately, the dire state of pension savings across the EU has not improved much over the years. Despite a

Turns out it pays to be consciously-minded! In a survey of 650 institutions from around the world, ‘Schroders Institutional Investor Study 2018’ found that institutional investors who focus more on sustainability appear to be more confident in achieving their return expectations than those who do not. However, not everyone is on board with sustainability, seeing as three

Sustainable Finance is the 2017 trend in Finance …but green bonds, ESG, SRI…are still concepts very much subject to questions and doubts regarding their definition and standards.  However, despite this lack of definitions, Sustainable Finance seems to attract more and more investors. In a survey realized by Natixis Global Asset Management, the asset manager reveals

In 2013, the Financial Conduct Authority (the City’s Financial Watchdog) adopted a reform relating to  fees charged to investors for fund management and financial advice. It decided to ban the “bundling of charges” and to stop fund groups from paying commission to advisers. The idea behind this reform is that since fund managers are no

MiFID II remains the main topic in terms of EU financial legislation despite a possible delay in implementing new rules covering European financial markets according to Jake Green, partner in the financial regulatory group dealing with corporate practice at law firm Ashurst in London. Green told Markets Media: “Some buyside clients are holding back preparations

Savers and individual investors are slowly finding their deserved place at the heart of the “CMU” initiative. So far none of the short term priorities identified by the EC had actually focused on them. Whereas these are definitely steps in the right direction, in our view the CMU Action Plan could still be more ambitious

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