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.

/ Press Coverage, CMU Barometer

POLITICO Pro Morning Exchange: Capital market crossroads — AML oversight — Stressing disclosure

Europe has made limited progress with its capital markets union, and decision-makers must do more to protect people’s right in ...

CMU Assessment Report 2015-2019

This Briefing Paper aims to provide a targeted assessment of the progress achieved by the European Union (EU) in establishing ...

Lest more is done to attract EU Households into Capital Markets, the CMU project will fail

Brussels, 12 November 2019 – More than five years ago, the EU laid the foundation for a Capital Markets Union ...

The paradox of savers: they are loss averse, but their top choice is more and more money losing products

CONSOB, the Italian financial watchdog, invited me on November 8, 2019 to comment on their very interesting 2019 report on ...

POLITICO Pro Morning Exchange: Fund fees friction — Dirty deposits — Libra’s latest

Among other topics, the latest newsletter of POLITICO discusses the clash of fund managers and consumer groups on fees and ...

BETTER FINANCE takes part in First-Ever Study of UCITS Prospectuses

LUXEMBOURG, 4 NOVEMBER 2019  - Document optimisation company More Carrot has completed what is believed to be the industry’s first ...

BETTER FINANCE response to ESMA’s Consultation Paper on Guidelines on Performance Fees in UCITS

BETTER FINANCE welcomes the recent efforts of ESMA to clarify and harmonise across the EU the provisions and supervisory practices ...
Hearing on Banking Union Report
/ Public Hearing

Hearing on Banking Union Report

On 7 November 2019, BETTER FINANCE's Managing Director Guillaume Prache will be attending the Hearing on Banking Union Report, organised ...
GDV Conference Capital Markets Union 2.0: An Insurance perspective
/ Conference

GDV Conference Capital Markets Union 2.0: An Insurance perspective

On 5 November 2019, BETTER FINANCE's Managing Director Aleksandra Mączyńska will be speaking at the conference 'Capital Markets Union 2.0: An ...
FPSB Strategy Meeting
/ Meeting

FPSB Strategy Meeting

On the 21 October 2019, BETTER FINANCE's Managing Director Aleksandra Mączyńska will be speaking at the FPSB Strategy Meeting, discussing the ...
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