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 response to the EU Commission Consultation on the New EU System for the avoidance of double taxation in the field of withholding taxes

Individual, non-professional (“retail”) investors are significantly demotivated or hampered from investing cross-border within the EU due to: The widespread de ...
LEVEL EEI Webinar on the 'Green Claims' from the Market
/ Workshop

LEVEL EEI Webinar on the ‘Green Claims’ from the Market

The LEVEL EEI consortium reviewed the legislative and regulatory framework applicable to environmental impact statements in the finance sector and ...
/ Press Releases, Other

BETTER FINANCE appoints Jella Benner-Heinacher as its new President

From 15 June to 17 June, BETTER FINANCE, the European Federation of Investors and Financial Services Users, and its Member ...

ESMA Report Confirms BETTER FINANCE Findings of Investor Detriment through “Fixed Fee Splits” in Securities Lending

A report published on Tuesday 31 May 2022 by the European Securities and Markets Authority (ESMA), confirms BETTER FINANCE’s findings ...

Securities Lending: Income Attribution & Conflicts of Interests in EU Retail Investment Funds

In 2021, the total income generated by securities lending operations globally stood at €7.8 billion, up by 21% compared to ...

European Retirement Week 2022 takes place from 28 November – 3 December

European Retirement Week 2022 will take place from 28 November through to 3 December 2022. The group of stakeholders behind ...

The New Investing Environment for Retail Investors | Expectations and Challenges Ahead

BETTER FINANCE published a report in support of its response to the EC Consultation on the EU Strategy for Retail ...

Retail Investing Surge Cushions Economic Downturn and Calls for Adequate Reforms

Over the last two years, health-related restrictions and economic shutdowns had unforeseen effects on European capital markets. An increase in ...

Last chance for Member States to support EU citizens as investors and finally ban Payment for Order Flow (PFOF)

Member States have until 31 May to actively support transparent, efficient, and accessible equity markets for retail investors and submit ...
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