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Know More, Invest Better | Empowering Europe's Investors Through Financial Literacy

Though Europeans have one of the world’s strongest savings cultures, their savings are usually held in bank deposits. These generate low returns, especially when inflation is taken into account. 

This money represents a missed opportunity to invest capital in the markets.

The EU is promoting the shift from saving to investing through the Savings and Investment Union agenda, encouraging Europeans to channel their savings into capital markets. Yet investor understanding remains uneven, fragmented, and often insufficient to support confident, informed decision-making. 

BETTER FINANCE believes that citizen engagement in capital markets is essential and has, for years, advocated policies that both encourage and protect ordinary Europeans when engaging with capital markets.

KNOW MORE. INVEST BETTER.

Empowering Europe's Investors Through Financial Literacy

BETTER FINANCE campaign “Know More, Invest Better” aims to raise awareness of the state of investor education in Europe and highlight why independent, accessible, and lifelong financial education is essential for building trust, confidence, and meaningful participation in financial markets.

This campaign contributes to the broader European policy discussion, including the European Commission's Financial Literacy Strategy, by bringing the practical experience of BETTER FINANCE and its member organisations, which work directly with individual investors and savers across Europe.

It highlights the importance of providing investor education that is independent of commercial interests, grounded in real-life financial decisions, and available throughout citizens' lives, starting in schools and continuing at key financial decision points.

At the same time, the campaign aims to provide EU citizens with financial education materials to help them kickstart their investing journey.

Check Out the Campaign Materials

Investor Education in Europe: Why It Matters, and Why It Needs Attention Now

As Europeans are increasingly encouraged to take greater responsibility for their financial future, the shift from saving to investing has become both a personal necessity and a policy priority. Yet for many citizens, investing remains complex, unfamiliar, and often mistrusted. This disconnect between policy ambition and public confidence emphasises the critical need for effective investor education. When this gap is bridged, citezens build confidence, understand risk and make informed financial decisions aligned with their long-term goals.

This article explores why investor education matters today, how it supports both households and the broader economy, and why strengthening independent, accessible education initiatives across Europe is now more important than ever.

Read the article here.

Investor Education in Europe: Necessary, Limited, and Still Essential

The Savings and Investment Union has come to the forefront of the European Union’s agenda. Through it, the EU is urging citizens to take a more active part in capital markets, bringing investor education back to the centre of policy discussions.

While education is often seen as a key tool to help households transition from saving to investing, its role is frequently overstated and insufficiently examined. In reality, investor education is not a cure-all, but a necessary foundation for building confidence, understanding risk, and enabling informed financial participation.

This article examines what investor education can realistically achieve, why independence and lifelong learning are essential, and why education must be seen as part of a broader framework that includes strong consumer protection, fair markets, and investor-focused policies.

Read the article here

Investor Education Video Materials (coming soon)

Why Should Europeans Learn More about Investing?

As citizens face longer lifespans, pension pressures, and low interest rates, understanding how to activate your savings into capital markets has become more important than ever. This video explains how investor education helps individuals move beyond saving, build confidence in financial markets, and make informed decisions that support their long-term financial security.

https://vimeo.com/51589652

What Can Investor Education Realistically Achieve?

Investor education is often presented as a solution to increase participation in capital markets. However, the question is whether it can truly deliver on that. This video explains how independent, lifelong investor education helps individuals build confidence, understand risks, and make informed decisions, while emphasising that education must complement strong investor protection and fair financial markets.

https://vimeo.com/51589652

The State of Investor Education across the EU

Investor education is available across the European Union, but access and quality vary widely across Member States. This video explores the fragmented landscape, identifies current gaps in financial literacy, and explains how the European Commission’s Financial Literacy Strategy aims to improve coordination and empower citizens with the knowledge needed to navigate financial decisions confidently.

https://vimeo.com/51589652

The Right Way to Approach Investor Education

Investor education is most effective when it builds trust, remains independent, and supports lifelong learning. This video outlines the key principles of effective investor education, including neutrality, independence from commercial interests, and the importance of linking financial learning to real-life decisions such as pensions, savings, and first investments.

https://vimeo.com/51589652

BETTER FINANCE Investor Education Resources

BETTER FINANCE is committed to enhancing financial literacy and empowering individual investors across Europe. Its investor education resources are designed to provide clear, accessible, and independent information on key financial topics. It brings together infographics, videos, articles, and practical tools that help citizens better understand investing, pensions, shareholder rights, digital finance, and sustainable investing.

Explore the Investor Education Hub

Developed as part of BETTER FINANCE’s investor education mission, its Investor Education YouTube playlist brings together BETTER FINANCE’s educational and explainer videos to help European citizens better understand investing, financial markets, and their rights as investors.

Investor Education Initiatives

This interactive map allows you to discover independent investor education programmes and organisations across Europe that can support your investment learning.

Investor Education & Trust: Reconnecting European Citizens with Finance and Capital Markets | Online Discussion

Improving financial literacy, restoring trust in markets, and guaranteeing that retail investors receive fair, value-for-money outcomes are crucial steps. These efforts are vital for increasing long-term savings, encouraging retail participation in capital markets, and advancing the EU’s wider goals under the Savings & Investment Union. To initiate a discussion on this matter, BETTER FINANCE is organising an online discussion on 17 March 2026, starting from 10:00.

For more info on the programme and registration, click here.