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BETTER FINANCE strongly supports the intention to provide consumers with a clear and comprehensive view of their insurance policies, simplifying understanding and enabling easy product comparisons. BETTER FINANCE, however, has long called authorities themselves to centralize insurance/investment product information in order to enable (EU-wide) comparability tools. More generally, we also warn against the privatisation of

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

Packaged retail and insurance-based investment products (PRIIPs) cover the range of investment products marketed to retail investors which are subject to an investment risk.

Explanations A differential pricing mechanism in insurance contracts describes a practice by which an insurance company adapts the cost or price of the product/service on considerations other than the expected risk premia or estimated expenses. Put simply, prices will reflect how proactive or passive a client is (shop around or not) rather than the risk

This report is a collaboration between analysts, actuaries, and researchers from consumer protection organisations. The purpose is to analyse and evaluate the fitness of a selection of life insurance companies’ solvency conditions and reporting. The solvency condition reflects how well-prepared an insurance company is to react and pay out insurance claims to policyholders in case

BETTER FINANCE welcomes the fourth report on insurance and pension products’ costs and past performance published by the European Insurance and Occupational Pensions Authority (EIOPA). For the 2022 report, EIOPA received information on more than 760 insurance-based investment products (IBIPs). The research notes that despite the challenges posed by the COVID-19 pandemic, “both insurance and

Despite the attempts to channel equity trading to the “lit” markets, more than half of European stock is bought and sold through “dark pools”. BETTER FINANCE has long criticised its negative effects on transparency and pricing, promoting the need to restore confidence in financial markets. Attempts to regulate the financial markets and instruments have already

With work to complete the Capital Markets Union (CMU) underway, reforms with regards to  the functioning of the European System of Financial Supervisors (ESFS) were welcomed by the European Economic and Social Committee (EESC) during its plenary session in February. By increasing the competencies and improving the governance and funding of the ESFS bodies –

Whereas the UK was widely considered the leading force of the Capital Market Union (CMU), Theresa May’s speech on (date)… seems to announce serious turbulence ahead. Launched in 2014, the CMU intends to reduce barriers to cross-border investing and promote bond markets instead of bank lending.    Theresa May declared that there will be no

Increases in life expectancy and low interest rates are big problems for pension schemes. The European Central Bank’s ultra-easy monetary policy with historically low interest rates unprecedented bond purchase programmes is making it very difficult for companies offering in-house schemes for their employees to meet their pension obligations. Under its bond-buying (or “quantitative easing”) program,

On Sunday October 26, the results of the recently conducted stress tests were published. The European Central Bank (ECB) tested 130 Eurozone banks, 25 of which failed the test. The European Banking Authority (EBA) had a look at 123 banks EU-wide, with 24 institutes failing its test. As some commentators suggested, the test was just

"At stake is not just the future of France, but that of the euro. Mr Hollande has correctly badgered Angela Merkel for pushing austerity too hard. But he has hidden behind his napkin when it comes to the political integration needed to solve the euro crisis. There has to be greater European-level control over national

BETTER FINANCE published the 10th edition of its “Real Return of Long-Term and Pension Savings report | 2022 Edition”. Download the full report in English for free here. A Summary version of the report can be found below.

Every year, BETTER FINANCE compiles the returns of private long-term and pension savings, so we can have an overview of how these products perform, compare them, and know their performances in real terms. The report on the Real Returns of Long-Term and Pension Savings covers 17 countries in the EU and both occupational and voluntary

BETTER FINANCE published the 10th edition of its “Real Return of Long-Term and Pension Savings report | 2022 Edition”. Download the report in English for free here (or see below). Should you like to order a physical copy, please contacts us at info@betterfinance.eu. Press Release: “Pensions Report 2022: It will get much worse for EU

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

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

Recent Newsletters EU Financial Policy Insights | 15 December 2023 EU Financial Policy Insights | 03 October 2023 EU Financial Policy Insights | 25 July 2023 EU Financial Policy Insights | 26 June 2023 EU Financial Policy Insights | 3 March 2023 EU Financial Policy Insights | 29th of December 2022 EU Financial Policy Insights

10 years following the crippling global effects of the financial crisis, long-standing Icelandic BETTER FINANCE member ISA (the Icelandic Savers Association) recently launched a series of lectures and open meetings on the development of global financial markets. The series will look into the aftermath of the crisis, as well as what has been achieved since

The last general assembly held by SAP on the 10th of May could be described as a wake-up call for the German multinational, which produces enterprise software to manage business operations and customer relations.  Whereas General Assemblies are largely routine annual events to which shareholders are invited to voice their support for the supervisory board,

SAP’s shareholders growing disaffection over executive pay The last general assembly held by SAP on the 10th of May could be described as a wake-up call for the German multinational, which produces enterprise software to manage business operations and customer relations.  Whereas General Assemblies are largely routine annual events to which shareholders are invited to

Financial products and services in Europe have a bad rep. Not only do “investment products, private pension and securities” persistently rank as the worst of all 31 consumer markets according to the annual EU Consumer Scoreboard1, these markets also lag considerably behind others in terms of cross-border trade, thereby severely limiting competitiveness. In short, financial

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

Brussels, 13 October 2023 — BETTER FINANCE, the European Federation of Investors and Financial Services Users, in collaboration with IVA – the Austrian Shareholder Association, is pleased to announce that the International Investors Conference at the Vienna Stock Exchange and Oesterreichische Kontrollbank (OeKB) got off to a great start this morning. Keynote Carmine di Noia, Director

Video RecordingPhotosConference ProgrammeSpeakers BookletWill you afford to retire? | A presentation by BETTER FINANCE & PEKABEKeynote SpeechesPanel Discussions - Background information and reading materialPress Release

The conference, titled “Upholding Sustainable & Accessible Capital Markets for European Investors”, is jointly organised by the Interessenverband für Anlegern (IVA), the Austrian Shareholder Association, and BETTER FINANCE, the European Federation of Investors and Financial Services Users. With contributions from a number of distinguished speakers, the event will explore a range of topics concerning capital

The Retail Investment Strategy will be key in establishing a Capital Markets Union “that works for people”. The successful combined completion of the Retail Investor Strategy and the CMU Action Plan could generate a quantum leap in investor protection, empowerment and engagement, to their benefit and to the benefit of the CMU, sustainable investing and

The platform is a forum for dialogue between policymakers, with the overall aim of increasing the amount of private capital being invested in environmentally sustainable investments. The ultimate objective of the IPSF is to scale up the mobilisation of private capital towards environmentally sustainable investments.

The International Integrated Reporting Council was formed in 2010 and is entirely principles-based. According to the joint statement, while the GRI, SASB, CDP and CDSB set the frameworks and standards for sustainability disclosure, the IIRC provides the integrated reporting framework to connect sustainability disclosure with financial disclosure. It essentially sees itself as the convenor of

The IFRS Sustainability Disclosure Standards were created in 2022 by the International Sustainability Standards Board (ISSB) to serve as a global format for sustainability and climate reporting that meets the needs of CFOs and investors. While newer, and still in development, given the IFRS’s influence role in financial reporting, these standards should help connect sustainability reporting information

The Rutgers Institute for the Study of Employee Ownership and Profit Sharing opened applications for its 2022-2023 fellowship program: Rutgers University School of Management and Labor Relations Institute for the Study of Employee Ownership and Profit Sharing J. Robert Beyster Fellowship, Louis O. Kelso Fellowship & Other Fellowships The Rutgers Institute for the Study of