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We are pleased to share that Jesse Collin, from BETTER FINANCE member organization Finnish Share Promotion Foundation, has been selected as a member of ESMA’s Consultative Working Group in the Risk Standing Committee – Investor Trends and Research Working Group. The working group will focus on consumers, ESG and innovation related topics. For a full

BETTER FINANCE’s member organisation (and experts) from the Slovak Institute of Savings and Investments have developped a Technical Working Paper on key aspects for the PEPP: how to estimate pension projections (for the PEPP KID and Benefit Statement) and how to design the PEPP Benefit Statement so that it is useful and attractive for savers.

BETTER FINANCE is pleased to announce that two of its members have been selected for the renewal of the Investment Management Standing Committee Consultative Working Group (CWG). Jean Medernach – President of Investas in Luxemburg and Jean Berthon (President of GAIPARE and Vice-President of BETTER FINANCE) have been selected for a renewable term of two

In a press release on 24 October 2017 the French Financial Markets Supervisor (Autorité des Marchés Financiers, AMF) announced that, in light of the transposition of the new Shareholders Rights Directive (EU 2017/828), it will establish a Working Group to continue research on, and enhance, voting rights for shareholders in listed companies. This decision is

The European Securities and Markets Authority (ESMA) is looking to newly constitute a Consultative Working Group (CWG) for the ESMA Commodity Derivatives Task Force (CDTF) as the two-year-term of the existing CWG has recently expired. Stakeholders have the opportunity to apply to become a member of the CWG by no later than July 6 2014. Please find the

In March 2015 the European Securities and Markets Authority (ESMA) launched a call for candidates for its Consultative Working Group (CWG) for the Investor Protection and Intermediaries Standing Committee (IPISC). Following his application, Juan Manuel Viver of BETTER FINANCE’s Secretariat has been appointed to the CWG. Josina Kamerling, Head of regulatory outreach for the EMEA region at

In January 2015, the European Securities and Markets Authority (ESMA) launched a call for candidates for its Consultative Working Group (CWG) for the Corporate Reporting Standing Committee (CRSC). Following his application, Roger Collinge of BETTER FINANCE’s member organisation UKSA (the UK’s Shareholders Association) was today appointed to the CWG. The CRSC advises ESMA on issues related to accounting, audit, periodic reporting and storage of regulated

The European Securities and Markets Authority (ESMA) had published a call for candidates for the Consultative Working Group for ESMA’s Corporate Reporting Standing Committee. The Corporate Reporting Standing Committee is active in promoting consistent application of International Financial Reporting Standards (IFRSs) and fostering convergence of enforcement practices. It also contributes to the development of high-quality

The European Securities and Markets Authority (ESMA) is seeking to appoint new members to the Consultative Working Group of its Investment Management Standing Committee (IMSC). The IMSC focuses on collective investment management instruments, such as the Directives on Undertakings for Collective Investment in Transferable Securities (UCITS) and Alternative Investment Fund Managers (AIFMD), as well as

The document serves as BETTER FINANCE response to selected questions of ESMA’s discussion paper on the implications of digitalisation for investor protection under MiFID II. The document “Discussion Paper on MiFID II investor protection topics linked to digitalisation” provided by the European Securities and Markets Authority (ESMA) focuses on various aspects of digitalisation in the

BETTER FINANCE is pleased to announce that, also in 2021, it is well-positioned to remain the leader in providing high-level user-side experts to EU and International expert advisory groups in policy and regulatory matters impacting individual, non-professional users of financial services. At the European level, BETTER FINANCE is pleased to announce that Desislav Danov from

Back in November 2017 we formed an Alliance to voice our disappointment with the European Commission’s proposal for the review of the European Supervisory Authorities (ESAs), and to make proposals to remedy the situation. The Alliance reiterated its main concerns in a joint statement in July 2018, following the report on the review by the

The European federation of retail investors, BETTER FINANCE, has criticised the new composition of stakeholder groups at the European supervisory authorities, branding it “a step backwards with regard to a balanced representation between industry and consumers in EU financial rulemaking.” Read the full article here.

BETTER FINANCE is pleased to announce that Edoardo Carlucci, Research and Policy Officer at BETTER FINANCE – the European Federation of Investors and Financial Services Users – was appointed as a member of the European Insurance and Occupational Pensions Authority’s (EIOPA) Consultative Expert Group on Digital Ethics in Insurance to represent individual savers and investors.

We are happy to announce that Christian Gülich, EU Policy Officer at the Bund der Versicherten (BdV), one of BETTER FINANCE’s German members, was appointed to the European Insurance and Occupational Pensions Authority’s Insurance and Reinsurance Stakeholder Group. For more information, please see EIOPA’s website. With 17 user-side expert members from among its ranks in

BETTER FINANCE has challenged BlackRock, UBS Asset Management and Deka, amongst others, on the revenues generated by their securities lending activities, reigniting a debate about an opaque but lucrative part of the fund industry. Under rules issued by the European Securities and Markets Authority in 2012, asset managers cannot profit from securities lending. However, analysis

Last week, IPE (Investment & Pensions Europe) published an article on the variety of responses to the EU’s proposed pan-European Personal Pension Product (PEPP). In a response to BETTER FINANCE’s calls for policy makers writing the PEPP rulebook to include protection against inflation in real terms, both the Committee for Internal Market and Consumer Protection

On 17 July EIOPA, the European Insurance and Occupational Pensions Authority announced the new composition of its two “stakeholder groups”: the Insurance and Reinsurance one (IRSG), and the Occupational Pensions one (OPSG). BETTER FINANCE thanks and congratulates EIOPA for successfully “seeking to strengthen representation of consumers”, especially in the OPSG where up to now BETTER

On 17 July EIOPA, the European Insurance and Occupational Pensions Authority announced the new composition of its two “stakeholder groups”: the Insurance and Reinsurance one (IRSG), and the Occupational Pensions one (OPSG). BETTER FINANCE thanks and congratulates EIOPA for successfully “seeking to strengthen representation of consumers”, especially in the OPSG where up to now BETTER

Our Participation in EU Financial Advisory Groups

Any investment that seeks to incorporate sustainability elements alongside financial returns. You may hear sustainable investing referred to as ethical investing, impact investing, socially responsible investing, and values-based investing. While definitions of sustainability vary across jurisdictions and regulatory frameworks around the world, the basic tenet of sustainability refers to ESG factors (Environmental, Social, and Governance)

Faced with the risk of “regulatory capture”, six civil society co-signatories representing “small” savers and “minority” investors call on the President of the French Republic to reconsider the governance of the French Financial Markets Authority (AMF) The representatives of “l’Association Éthique et Investissement”, FAIR, Deontofi, RéseauCEP, “l’Association pour le Patrimoine et l’Actionnariat Individuel” and the “Fédération

What is sustainable investing ?

Individual, non-professional investors have an increased appetite for investing in capital markets following the global health pandemic. Evidence in several jurisdictions shows that many new, young, and tech-savvy savers started to invest without professional assistance through what is called execution-only services under EU law . The European Supervisory Authorities (ESMA, EIOPA, EBA) have a legal

Behind the abbreviations multiplying non-stop there are hidden nuances of the financial products in which you invest. More often than not, all these acronyms are used to designate the same thing: investment funds in transferable securities (stocks, bonds or other debt or interest rate products). “These prejudices sometimes contribute to making the supply of funds

Yesterday Oxera released a report entitled “The design of equity trading markets in Europe – An economic analysis of price formation and market data services” commissioned by the Federation of European Securities Exchanges (FESE). Through this research, FESE is seeking to inform the debate on the design of equity trading markets in Europe, particularly when

The world’s largest asset manager, BlackRock, has pitched into debate over US investor rights, backing tougher rules on shareholder advice and “greater transparency” in resolutions and annual meetings. According to Barbara Novick, BlackRock’s vice-chairman, and Ray Cameron, head of investment stewardship for the Americas, such improvements are possible through the proxy process, including around voting

According to research carried out by Morningstar aimed at comparing the performance of active funds with that of index trackers and passive funds over 10 years, managers have consistently failed to beat their benchmarks. In fact, most active fund managers on average outperformed their passive counterparts in just two of the 49 categories taken into

Advocacy, Research, Training and Communication

Six weeks into 2018 the principal indexes around the globe went into freefall, following a global sell-off in stock markets. The table below shows the changes (Δ%) between the closing prices of the indexes over the course of one day.    Some look at the US markets for the cause, where a ‘wage growth in the US jumping