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7th January 2026
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Capital Markets Union (CMU)
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Product governance & disclosures
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Research papers
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Retail Investment Strategy
Financial Advice in the EU | Mapping the Rules Protecting Individual Investors
As announced in the Communication on the Savings and Investments Union (SIU)1, the European Commission aims to give European citizens broader access to capital markets and companies better financing options. This ...
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15th December 2025
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Life Insurance & Pensions
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Pensions Report - The Real Return
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Research papers
Will you afford to retire? | The Real Return of Long-term and Pension Savings | 2025 Edition
It is sometimes frustrating to report, every year, on something as unfailingly disappointing as the real return of European supplementary ...
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20th November 2024
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Life Insurance & Pensions
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Pensions Report - The Real Return
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Research papers
Will You Afford to Retire? | The Real Return of Long-term and Pension Savings | 2024 Edition | Country-by-Country
Was 2023 the year when European retail investors finally obtained the “fairer deal” that outgoing European Commissioner Mairead McGuinness had ...
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6th November 2024
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Life Insurance & Pensions
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Pensions Report - The Real Return
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Research papers
Will you afford to retire? | The Real Return of Long-term and Pension Savings | 2024 Edition
Was 2023 the year when European retail investors finally obtained the “fairer deal” that outgoing European Commissioner Mairead McGuinness had ...
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4th December 2023
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Life Insurance & Pensions
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Pensions Report - The Real Return
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Research papers
Will you afford to retire? | The Real Return of Long-term and Pension Savings | 2023 Edition
For long‐term and pension savers, the year 2022 was undoubtedly a calamitous one. Poor capital market performance and sky‐rocketing inflation ...
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1st December 2023
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Pensions Report - The Real Return
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Research papers
Will you afford to retire? | The Real Return of Long-term and Pension Savings | 2023 Edition – Country-by-country
The Real Return of Long-term and Pension Savings 2023 - Austria The Real Return of Long-term and Pension Savings 2023 ...
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30th November 2023
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Pensions Report - The Real Return
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Research papers
Will you afford to retire? | The Real Return of Long-term and Pension Savings | 2023 Edition – Executive Summary
For long‐term and pension savers, the year 2022 was undoubtedly a calamitous one. Poor capital market performance and sky‐rocketing inflation ...
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7th December 2022
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Life Insurance & Pensions
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Pensions Report - The Real Return
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Research papers
Long-term and Pension Savings – The Real Return – 2022 Edition – Summary Booklet
BETTER FINANCE published the 10th edition of its “Real Return of Long-Term and Pension Savings report | 2022 Edition”. Download ...
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10th October 2022
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Life Insurance & Pensions
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Pensions Report - The Real Return
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Research papers
The Real Return 2022 – Country by Country
The Real Return 2022 - Austria The Real Return 2022 - Belgium The Real Return 2022 - Croatia The Real ...
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10th October 2022
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Financial Education
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Life Insurance & Pensions
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Packaged Investment Products
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Research papers
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Sustainabe Finance
Guide on Pension Awareness
Every year, BETTER FINANCE compiles the returns of private long-term and pension savings, so we can have an overview of ...
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