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Understanding the nature of their investments and the potential impact they can have is crucial for investors, and financial literacy plays a vital role in achieving this. In collaboration with Climate-KIC, Deutsche Schutzvereinigung für Wertpapierbesitz (DSW), The French Federation of Individual Investors and Investment Clubs (F2iC), and the Polish Individual Investors’ Association (SII), BETTER FINANCE

European Retirement Week 2022 will take place from 28 November through to 3 December 2022. The group of stakeholders behind the initiative jointly promote the two main goals of European Retirement Week: raising awareness of the pension challenge, and serving as a platform for stakeholders and policymakers to discuss possible solutions to ensure that people

The general meeting is the cornerstone of shareholder democracy. It is not only where voting on major company decisions takes place, but also the only place where private shareholders can engage with board members and their fellow shareholders. As shown in last year’s report, the Corona pandemic badly affected shareholder rights and engagement in the

Proposed by the European Commission in 2011, to make sure the industry made a “ fair contribution” after taxpayers bore the costs of the financial crisis, the Financial Transaction Tax ( FTT)  is under discussion regarding its effects on pension funds.On the 21st of February, a meeting involving the Finances Ministers of those countries was

A study published by ALTER-EU has analyzed DG FISMA’s meeting with lobbyists. The study points out 3 alarming practices that run counter the transparency rules. Only 16% of the meetings held by DG FISMA with lobbyists are published  In fact, only the Commissioner and the Director General are obliged to proactively publish these meetings with

On December 17, the European Parliament Economic and Monetary Affairs Committee voted on the draft EU legislation on bank resolution and the creation of a single mechanism for said banking resolution. The Parliament’s negotiation position on the single resolution mechanism for banks establishes a system aimed to be the central pillar of the European Union’s

Earlier this week BETTER FINANCE wrote to MEP Brian Hayes, ECON Rapporteur for the Revision of the IORP Directive, expressing its concerns regarding the proposed amendments in the ECON Committee draft report on the IORP Directive that would constitute a very significant setback in the protection of EU savers, watering down the information that IORP

Foreign exchange (FX) is the world’s largest, most liquid and active marketplace that surprisingly lacks for the attention its size merits.   As to its significance, one day of FX trading beats average daily trading in global stock markets by 28 to 1. According to the report “Navigating the waters of foreign exchange and international

International Financial Reporting Standards (IFRS), prepared by the London-based International Accounting Standards Board (IASB), aim to standardise accounting practices internationally. In order to enhance the development of the single capital market in Europe, IFRS were introduced for consolidated accounts of EU-listed companies in 2005 as a result of a Regulation in 2002. That Regulation is

The Retail Investment Strategy (RIS) compromise currently on the table for a European Parliament vote blatantly disregards the interests of retail investors and the establishment of a competitive Capital Markets Union (CMU). Should Ms Yon-Courtin’s proposed compromise be approved by the ECON committee on 20th March and subsequently put to a plenary vote one month

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

⬇️ Read or download BETTER FINANCE’s Individual Investors’ Key Priorities for 2024-2029 below. ⬇️ Let’s harness the Capital Markets Union’s (CMU) potential to benefit our citizens as financial consumers, retail investors and pension savers, as well as our planet, the economy, and for future generations. This will ensure Europe’s prosperity and security in a rapidly

DG FISMA will be organising a roundtable on January 25th, 2024 at 10:00, where Aleksandra Maczynska, Acting Managing Director at BETTER FINANCE will address the panel on ‘Opportunities from a shorter settlement cycle in the EU’.

The Sustainable Finance Disclosures Regulation (SFDR) started applying in March 2021 and requires financial market participants and financial advisers to disclose at entity and product levels how they integrate sustainability risks and principal adverse impacts in their processes at both entity and product levels. It also introduces additional product disclosures for sustainable financial products making

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

The Lithuanian Investors Association and BETTER FINANCE, the European Federation of Investors and Financial Services Users, are organising the annual BETTER FINANCE International Investors’ Conference, scheduled to take place in Vilnius on May 30, 2024. The conference, titled “Vilnius 2024 | Shaping the Future of Finance,” will delve into various topics encompassing European and Baltic

Date: Wednesday, 17 April 2024 | Time: 14h00 – 18h00 | Place: University Foundation, 11 Rue d’Egmont, 1000 Brussels (TBC) PROGRAMME 13h30 – 14h00 | Registration & Coffee 14h00 – 14h10 | Welcome | Aleksandra Mączyńska, Acting Managing Director, BETTER FINANCE 14h10 – 14h30 | Keynote Speech | José Manuel Campa, Chair, European Banking Authority

The “Swiss Association for the Protection of Investors” (Schweizerische Anlegerschutzverein) is committed to transparency on the Swiss capital market and the promotion and enforcement of investor rights in Switzerland. Its purpose is to protect the interests of investors with regard to financial investments and to support them in the enforcement of their corporate and economic

Collective Redress Directive – a directive for initiating court actions against companies who infringe consumers rights

BETTER FINANCE’s Managing Director, Guillaume Prache, participated to a roundtable discussion on the Future of Finance in Europe, hosted by Ana Botin, Executive Chairman, Santander. On 6 June Santander’s Ana Botin, the European Commission’s Roberto Viola, Starling Bank’s Anne Boden and BETTER FINANCE’s Guillame Prache discussed the future of finance in Europe and whether digital

Madrid – Today BETTER FINANCE’s Managing Director, Guillaume Prache, addressed the Santander International Banking Conference and called on the industry and regulators for more transparency on performances and fees as well as decent and higher returns for pension savings products: a requisite for EU citizens to get an adequate pension income. In turn, the EU

Saving Banco Popular… On the 7th of June, the European Commission approved the rules for the rescue plan of Banco Popular proposed by the Single Resolution Board under the EU bank recovery and resolution directive. The Bank was sold to Santander for a symbolic €1. The Commission endorsed the resolution scheme because the conditions for

Last week, ShareAction, a UK registered charity promoting an investment system which serves savers, society and the environment, released a survey on Responsible Investment Performance of European Asset Managers. For this study, ShareAction has examined and ranked the transparency and Responsible investment practices of 40 of the largest asset managers in Europe which control €21

The exchange traded fund arm of Invesco is weighing up the launch of a robo-advice platform in Europe following its acquisition of a US-based digital advisory firm Jemstep last January. Byron Lake, head of Invesco PowerShares for Europe, the Middle East and Africa, says the firm is “evaluating” whether it can offer a similar robo-advice

Yesterday, the European Banking Authority (EBA) has published its report on high earners for 2017, available for the first time in a user-friendly format on the remuneration of “staff whose professional activities have a material impact on” the risk profile of the financial institution. The Capital Requirements Directive (CRD IV) sets out principles for sound

BETTER FINANCE fully supports this proposal to include ESG considerations during the advisory and product suitability process. However, we have some concerns regarding the proposal. Firstly, and as raised at several occasions by BETTER FINANCE, before requesting institutional investors and assets managers to include ESG’s client’s preferences in the advisory and product suitability process, we

BETTER FINANCE welcomes this opportunity to comment on the proposal amending Delegated Regulation (EU) 2017/565 supplementing MiFID II as regards organizational requirements and operating conditions for investment firms and defined terms for the purpose of that directive. Investment firms shall act in accordance with the best interest of their clients. As such, when providing investment

Pension savings appear to be one of the few retail services where neither the customers nor the public supervisors are properly informed about the real net performance for customers of the services rendered. There is no recent and comprehensive study on the real net pension savings returns for EU countries. Even OECD data is unfortunately

BETTER FINANCE published the 2017 Edition of “Pension Savings: The Real Return”. Download the report in English for free here. Should you like to order a physical copy please contacts us at info@betterfinance.eu.

This paper tries to assess the regulatory and, more importantly, the supervisory (public enforcement) developments regarding the actual protection of savers, individual investors and mortgage borrowers since the 2008 financial crisis, in particular regarding the mis-selling of savings, investment and mortgage products.

BETTER FINANCE response to the European Commission’s Public consultation on the Capital Markets Union mid-term review 2017 to take stock of progress on the implementation of the CMU Action Plan, re-frame actions in the light of work undertaken so far and evolving market circumstances and complement the CMU Action Plan with new measures which constitute

9 October 2017 – BETTER FINANCE, the European Federation of Investors and Financial Services Users, launched the fifth edition of its annual Pension Savings Report. Started in 2013, the annual research report undertakes an analysis of European pension investment funds and State pensions schemes, in order to provide the European citizen with the ‘real figures’

Speaking at a financial sector conference in Paris early this week, EU Commissioner for Economic Affairs Pierre Moscovici advanced that an EU Financial Transaction Tax (FTT) could be in place by early 2017. In June, 11 European nations representatives met in Luxembourg to discuss the design and future of the measure. However, disagreements on what