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17/10/2017
 

A BLEAK OUTLOOK FOR EUROPEAN PENSIONERS AS INADEQUATE RETURNS CONTINUE TO HARM LONG-TERM SAVERS


The Organisation for Economic Co-operation and Development (OECD) recently repeated the Public Authorities’ mantra that citizens need to take their responsibility with regard to their pension savings, stating that “in light of the challenges facing pension systems, the only long-term solution for achieving higher retirement income is to contribute more and for longer periods”. Whereas this may be sound advice, it repeatedly ignores a key reason as to why too many long-term and pension savings are failing to provide for an adequate replacement income: insufficient and sometimes even negative long-term real (after inflation) returns. In fact, saving “more and for longer periods” will not even remotely address the issue by itself, since even saving 10% of activity income for 30 years - as often recommended - with a zero real net return will only provide about 12 % of one’s activity income through retirement.

Categories: press_releases
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BETTER FINANCE
BETTER FINANCE
 
 
 
 
 
17/10/2017
 

Presentation Long term and pension savings returns 2017




Categories: Research Reports
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BETTER FINANCE
BETTER FINANCE
 
 
 
 
 
17/10/2017
 

Pension Savings - The Real Return - 2017 Edition




Categories: Research Reports
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BETTER FINANCE
BETTER FINANCE
 
 
 
 
 
06/10/2017
 

Open Letter: "MiFID II rules for 'Systematic Internalisers' will hurt European investors"


In principle, European individual Investors welcome the introduction of the new Markets in Financial Instruments Directive (MiFID II). However, given BETTER FINANCE’s priority to ensure the protection of individual European savers and investors, we are concerned about the shrinking share of regulated securities markets in the EU, now down to around 50 % of transactions, compared to 67 % in the US and 88% in East Asia. Recent research reveals that the majority of OTC trades (58%) are retail-sized trades and that a significant part of the trades of European individual investors are now executed on these “dark” venues. Capital markets must remain fully open and transparent to individual investors.

Categories: open_letters
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BETTER FINANCE
BETTER FINANCE
 
 
 
 
 
21/09/2017
 

BETTER FINANCE response to consultation by the European Commission's High-Level Expert Group on Sustainable Finance


BETTER FINANCE answered this consultation by the European Commission's High-Level Expert Group on Sustainable Finance on what the most important issues are that need to be addressed to move towards sustainable finance.

Categories: positions
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BETTER FINANCE
BETTER FINANCE
 
 
 
 
 
20/09/2017
 

ESAs - TODAY S PROPOSED REFORM OF EUROPEAN FINANCIAL SUPERVISION SAVERS AND OTHER FINANCIAL SERVICES USERS RISK SUFFERING MORE - 200917


20 September 2017 - The European Commission (EC) announced its proposal to improve the supervision of European financial services as well as its revision of the European Supervisory Authorities (ESAs) today. BETTER FINANCE welcomes the proposal to have permanent members on the Boards of Supervisors of the ESAS as an improvement to their governance. However, as the proposal lacks ambition with regards to consumer and investor protection and fails to give the ESAs teeth with which to enforce EU Law, the outlook for the public enforcement of conduct of financial business rules looks grim.

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Spotlight

The latest edition of our report on Pension Savings is now available for download!

 

 

 

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