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On the 7th of February 2017, Guillaume Prache, Managing Director at BETTER FINANCE, Gunnar Ek from Aktiespararna and Marc Mathieu, Secretary General of the European Federation of Employee Share Ownership will be speaking at a roundtable organized by the European Commission’s Directorate General FISMA.   The roundtable will be organized in three sessions with the first

On Tuesday, 19 September from 15:00 to 16:30 in the European Parliament in Brussels, a public hearing on the “New EU common system for the avoidance of double taxation and prevention of tax abuse in the area of withholding taxes” will take place. The hearing aims to address the burdensome withholding tax refund procedures for

BETTER FINANCE is pleased to announce that Jella Benner-Heinacher, the Deputy Chief Director of the Deutsche Schutzvereinigung für Wertpapierbesitz (DSW) and BETTER FINANCE Vice-President, was appointed to the Board of the European Financial Reporting Advisory Group (EFRAG) as an observer with speaking rights to be the only representative of EU citizens as “retail” investors. EFRAG

On the 13th and 14th September, an informal ECOFIN reunion discussed the “Union’s priorities in the field of the capital markets union for the next institutional cycle” based on the Finnish Presidency’s issues note on the matter. Put simply, the Finnish Presidency identified hurdles to the development of the Capital Markets Union and proposed priority

Wanda Goldwag, the new chairwoman of the UK regulator’s Financial Services Consumer Panel has spoken about a “plethora” of products in the market that consumers do not understand, and advisers fail to properly explain. The panel was created in March, with the aim of advising the Financial Conduct Authority (FCA) on the interests and concerns

By Jean Medernach – The main role of EFRAG, the European Financial Reporting Advisory Group, is to advise the European Commission on whether new IFRS should be endorsed in Europe. The criteria for endorsement of new or revised IFRS are: Technical: do they meet the criteria of understandability, relevance, reliability and comparability of the financial

As BREXIT approaches, the loss of the main financial centre in the EU is also nearing. In such circumstances, the Capital Markets Union, as well as various other legislative initiatives and action plans are more important than ever. Speaking at a BETTER FINANCE conference in December 2018 in Brussels, Stephane Boujnah, CEO of Euronext, insisted

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

Climate change and sustainable development are more and more present in policymaking.  Following the agreement of the Paris Climate Summit ( COP21)  entering into force on the 4th November 2016 and the adoption by the United Nations of the Sustainable Development Goals (SDGs), establishing a framework for global public engagement in environmental and social matters,

On the 8th of June, Helen Gibbons, Board Member of BETTER FINANCE, will be speaking in a Project Lab on "Financial Education for the Promotion of Social and Financial Inclusion" organized by BBVA and the European Commission. This event is part of the European Development days ( EDD). Find more information on this event here 

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 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 (EBA)

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

The fifth edition of World Investor Week, an initiative of IOSCO, the International Organization of Securities Commissions, will take place From Monday 4 October to Sunday 10 October. World Investor Week 2021 aims to promote financial education and increase investor protection and will shine a spotlight on a range of initiatives in this area by

In february 2015, in a 18 page document called “The Union of Capital Markets: An Investor Perspective”, Blackrock CEO Larry Fink`s message was clear: the EU should assess the possibility of creating a cross-border personal pension fund. With a potential 240 million European citizens reached, the EU Commission, starting efforts for such a pan-european pension

World Investor Week (WIW) is a week-long, global campaign promoted by IOSCO to raise awareness about the importance of investor education and protection and highlight the various initiatives of securities regulators in these two critical areas. From 2-8 October 2017, IOSCO securities regulators and other IOSCO members on six continents will provide a range of

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

The 8th international congress of the European Federation of Building Societies (EFBS) – ‘Brave New World for Finance’ – took place on 19 October 2016 in Budapest. The conference was opened by Mr. Dániel Palotai, the Managing Director of the Hungarian National Bank, and Mr. Boris Vujčić, Governor of the Croatian National Bank. Six roundtable

A PwC survey of 176 Banking & Capital Markets (BCM) CEOs across 62 countries reveals the huge challenges facing banks globally. BCM CEOs see over-regulation (87%), geopolitical uncertainty (81%) and exchange rate volatility (76%) as really affecting their banks. The combination of higher capital charges, liquidity demands and compliance costs is forcing many to abandon

In february 2015, in a 18 page document called "The Union of Capital Markets: An Investor Perspective", Blackrock CEO Larry Fink`s message was clear: the EU should assess the possibility of creating a cross-border personal pension fund. With a potential 240 million European citizens reached, the EU Commission, starting efforts for such a pan-european pension

In the 1980s, some life-insurance companies, such as Abeille Vie – now part of Aviva France – issued life assurance products with an unusual feature: the ability to trade funds based on last week’s prices, a so called Fixed Price Abitrage Life Insurance. Under the terms of these insurance contracts, clients could effectively invest with hindsight since funds were available for a fixed price for a

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

Guillaume Prache, Managing Director of BETTER FINANCE, was quoted in the French financial magazine Challenges on Aviva’s "mistake" when in the 80s it issued life insurance products with an unusual feature – the ability to trade funds based on last week’s prices, a so called Fixed Price Abitrage Life Insurance.  Under the terms of these insurance contracts, clients could effectively invest with hindsight since funds were available for a fixed price for a

For a decade, BETTER FINANCE has flagged the persistently low real returns in EU long-term and pension savings. As government and occupational pensions dwindle, Public Authorities urge earlier and increased savings for retirement. Yet, this advice often disregards a fundamental issue: inadequate, sometimes negative, long-term real returns after inflation.  BETTER FINANCE reports disprove the claim

The recent ARTE documentary titled “The Future of our Pensions” explores how to make the EU pensions system more effective at providing adequate returns. This in-depth feature examines pension systems throughout the European Union and includes interviews with policymakers, scholars, stakeholders, and retirees to provide a comprehensive look at the current state of pensions in

The European Commission published a legislative proposal for a regulation on European green bonds, which is supposed to become the high quality voluntary European Green Bond Standard. Its intention is to use the potential of the single market for achieving the EU’s climate and environmental goals in a more efficient way.

It is part of an initiative first mooted in the Commission’s September 2020 Capital Markets Union Action Plan and designed, among other things, to “increase consumer participation in capital markets.” The the level of retail investor participation in EU capital markets remains very low. The strategy is aimed to ease difficulties for retail investors in

Eurozone inflation mushroomed from 3.4% to 10% in one year, further deepening Europe’s cost-of-living crisis, yet the best the European Central Bank (ECB) could muster is a late and timid hike of interest rate from 0 to 0.75%. Financial repression policies in place since the crises of 2008 and 2009 are being tightened further in

For 10 years now BETTER FINANCE points to the often-poor real net returns of long-term and pension savings (see the 2022 Edition of the Real Return) across a large number of EU jurisdictions. It is getting worse, and while a couple of years of poor performances can be made up for, the same can’t be

Read the full article [in French] in ARCAF’s website Over the years, BETTER FINANCE has warned authorities and stakeholders of the risks at stakes for Pension plan savers (Pension Savings – The Real Return). Today, the French ‘Union Mutualiste Retraite’ (UMR) just sparked a new pension scandal by cutting the pensions paid to ‘Corem’ retirees.

On 25 September 2020, BETTER FINANCE released the eighth edition of its research report on the Real Return of Long-Term and Pension Savings. More than a month later, on 5 November, PensionsEurope (PE), the lobbyist for the European Pensions Industry, issued a press release levelling unwarranted and unsubstantiated criticism against the findings in the Bulgarian