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19/07/2018
 

ECON’s draft report on the review of the European Financial Supervisors: disappointing for European NGOs and financial services users


On Tuesday 10th of July, the European Parliament co-rapporteurs published a disappointing draft report on the review of the European System of Financial Supervision : not only lacking any ambitious changes on the much needed reform of the governance model and funding of the European Supervisory Authorities (ESAs – EBA, ESMA and EIOPA), but even weakening some direct supervisory powers for ESMA proposed by the European Commission.

Categories: open_letters
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BETTER FINANCE
BETTER FINANCE
 
 
 
 
 
19/07/2018
 

BETTER FINANCE RELEASES RESEARCH FINDINGS ON LIFE CYCLE PENSIONS AND ONCE MORE REQUESTS THAT EU POLICY MAKERS ENSURE A REAL PROTECTION OF PERSONAL PENSION SAVINGS


BETTER FINANCE welcomes the recent opinions of the Committee on Employment and Social Affairs (EMPL) and the Committee on Internal Market and Consumer Protection (IMCO) on the proposed “PEPP” EU Regulation, but remains concerned regarding the recent developments at the European Parliament and Council, in particular with regards to the capital “protection” and the tax treatment of the future PEPP.

Categories: press_releases
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BETTER FINANCE
BETTER FINANCE
 
 
 
 
 
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
 
 
 
 
 

Spotlight

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

 

 

 

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