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05/07/2018
 

PR - PRIIPs KID - 290618


On Thursday 28 June, the European fund and asset management industry body issued a press release stressing the worrying shortcomings of the rules governing the Key Information Documents (KID) for Packaged Retail and Insurance-based Investment Products (PRIIPs). This follows the publication of its Evidence Paper that found that the new methodology for calculating transaction costs imposed by the PRIIPs regulation often produces positive “costs” and that the new KID deprives investors of a crucial past performance information.

Categories: press_releases
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BETTER FINANCE
BETTER FINANCE
 
 
 
 
 
04/07/2018
 

INVESTING IS NOT A FULL-TIME JOB FOR CITIZENS


With fewer individual investors investing directly in equities and bonds and households being sold packaged products instead, the products EU citizens invest in are becoming increasingly complex. As a result people struggle to understand and to trust the financial products they are invested in. Whereas new technologies and FinTech are, in principle, cutting out the middle man and returning some control to retail investors, these new tools also require a certain degree of knowledge on the part of the end-user. Investor Education is therefore a key success factor for the wellbeing of EU citizens as savers and investors.

Categories: press_releases
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BETTER FINANCE
BETTER FINANCE
 
 
 
 
 
04/07/2018
 

The Dispersion of Risk Mitigation Techniques in Life Cycle Pensions


The main purpose of the Research is to analyse whether the characteristics of the life cycle de-risking strategies are homogenous enough insofar that the default investment option will not need further calibration (regulatory provisions) with regard to its design. The other focus of the Research is to see how transparent and understandable these risk mitigation techniques are presented in the statutory documentation of the funds in focus, in view of the standalone Key Information Document that will accompany the PEPP product.

Categories: Research Reports
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BETTER FINANCE
BETTER FINANCE
 
 
 
 
 
04/07/2018
 

ROBO-ADVICE: EUROPEAN INDIVIDUAL INVESTORS TAKE A LOOK UNDER THE HOOD


For the third year in a row BETTER FINANCE took a closer look at the emerging Robo Advisory business from the perspective of individual investors and savers. Considering that new players are continuously joining the fray, this report focuses solely on selected platforms that set up shop over the last ten years in Europe and North-America, excluding platforms that are directly linked to established financial institutions. 16 platforms found their way into this study: 11 platforms from 7 different EU countries and 5 from North-America (4 US platforms and 1 Canadian one).

Categories: Research Reports
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BETTER FINANCE
BETTER FINANCE
 
 
 
 
 
14/06/2018
 

BETTER FINANCE feedback to the Regulation on charges on cross-border payments in the EU and currency conversion charges


BETTER FINANCE welcomes this proposal to extend the Regulation on cross-border transactions to non-euro Member States for cross-border transactions in Euros sent or received within the EU. Transactions in Euros from or to a Member State of the European Union will now be charged the exact same price as a domestic transaction in the official currency used in the Member State from where the transaction is sent or received.

Categories: positions
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BETTER FINANCE
BETTER FINANCE
 
 
 
 
 
04/06/2018
 

BETTER FINANCE’s feedback on a Simplified prospectus for companies and investors in Europe.


BETTER FINANCE welcomes this opportunity to comment on the European Commission’s roadmap on a “Simplified prospectus for companies and investors in Europe”. As representative of individual investors and savers, we believe that the main concern is to ensure that the Prospectus, the EU Growth Prospectus and their respective Summary prospectuses must reflect a true picture of the company’s financial health and prospects.

Categories: positions
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Spotlight

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

 

 

 

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