BETTER FINANCE was created in 2009 following the financial crisis to federate all individual investor organisations in Europe including shareholders but not limited to these. BETTER FINANCE also looks after the interests of investors  in fixed income securities  like bonds, in  investment funds, in  life insurance pension fund well as those investing in bank saving products.

Today, individual investors are mainly offered “packaged” products rather than securities (shares and bonds): 78 % of EU households’ financial assets are held through these packaged investment products (life insurance, pension funds, bank accounts, investment funds). Since the financial crisis of 2008 new EU regulations have improved the protection of individual investors, but Better finance believes much is left to be done to ensure a consistent level of protection, of conduct of business rules and of key information disclosures.

BETTER FINANCE joint position paper on sustainability requirements in Solvency II

BETTER FINANCE together with ShareAction, the German Association of the Insured BdV, Urgewald and WWF European Policy Office react to ...

Council of the EU is the Last Hurdle to Tackling Conflicts of Interests in Retail Investment Services

17 November 2022 – The struggle against conflicts of interests and to deliver an adequate, high level of “retail” investor ...

BETTER FINANCE Applauds and Supports Proposed Ban on Sales Commissions Paid to Retail Distributors of Investment Products

BETTER FINANCE considers the recent proposal to ban “inducements” (commissions) in “retail” investment services to be a very significant milestone ...

The Real Return 2022 – Country by Country

The Real Return 2022 - Austria The Real Return 2022 - Belgium The Real Return 2022 - Croatia The Real ...

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 ...

Background: “EU Pensions seem doomed with ‘Financial Repression’ as the only game in town”

Eurozone inflation mushroomed from 3.4% to 10% in one year, further deepening Europe’s cost-of-living crisis, yet the best the European ...

The Real Return Long-Term Pension Savings Report | 2022 Edition

BETTER FINANCE published the 10th edition of its “Real Return of Long-Term and Pension Savings report | 2022 Edition”. Download ...
European Retirement Week | Pension Adequacy and Value for Money in the Time of Financial Repression
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European Retirement Week | Pension Adequacy and Value for Money in the Time of Financial Repression

Joint AGE Europe & BETTER FINANCE Virtual Workshop | SAVE THE DATE 10h30-10h45      Opening Speech Sirpa Pietikäinen, MEP, Committee on ...

Solvency Reports (SFCR) 2021 under examination: the Body Mass Index of the life-insurance industry | 2022 Edition

This report is a collaboration between analysts, actuaries, and researchers from consumer protection organisations. The purpose is to analyse and ...
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