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BETTER FINANCE is very pleased to welcome Sébastien Commain to the BETTER FINANCE Team in Brussels where he has started in his new role as Research and Policy Officer. As part of the BETTER FINANCE Research and Policy team, Sébastien will focus on Financial Services Regulation and Capital Markets Research. Sébastien has extensive experience with

Solvency II review: improving rules for insurers to build a sustainable future.

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Robo-advisors are digital platforms that provide investors with financial advice or investment services based on computer-based technologies using artificial intelligence or algorithms and sometimes take into consideration sustainability preferences.

The European Commission published a legislative proposal for a regulation on European green bonds, which is supposed to become the high quality voluntary European Green Bond Standard. Its intention is to use the potential of the single market for achieving the EU’s climate and environmental goals in a more efficient way.

The initiative by the European Commission aims to improve the EU regulatory framework on company law and corporate governance. It seeks to enable companies to focus on long-term sustainable value creation rather than short-term benefits as well as better align the interests of companies, their shareholders, managers, stakeholders and society. Ths initiative would help companies

There is a growing wave of ESG regulation and an increasing need for ESG reporting – nationally, regionally and internationally. In Europe, ESG rating and data providers are indicative of an immature but growing market, which has seen the emergence of a small number of large non-EU headquartered providers.

It is part of an initiative first mooted in the Commission’s September 2020 Capital Markets Union Action Plan and designed, among other things, to “increase consumer participation in capital markets.” The the level of retail investor participation in EU capital markets remains very low. The strategy is aimed to ease difficulties for retail investors in

Sustainability policies affect all and the same rules should be applicable in order to harmonise interpretations and improve financial services in support of retail investors. In this section you will find position papers which shed more light on multiple climate-oriented and sustainable finance developments. In this section, you will find position papers that shed more

The EU’s legislation in the fields of climate, energy and economic activities linked to greenhouse gas emissions needs to also take into consideration latest technological advancements and the way climate action can be incentivised for all.

BETTER FINANCE welcomes the European Commission’s initiative to set clear policy measures regarding climate targets beyond 2030, which ultimately can support the objective of 2050 climate neutrality goal and its realisation. BETTER FINANCE’s core expertise mainly involves defending the interests of European citizens as financial services users, and we are therefore cognisant of the benefits

BETTER FINANCE welcomes the fourth report on insurance and pension products’ costs and past performance published by the European Insurance and Occupational Pensions Authority (EIOPA). For the 2022 report, EIOPA received information on more than 760 insurance-based investment products (IBIPs). The research notes that despite the challenges posed by the COVID-19 pandemic, “both insurance and

The fifth edition of World Investor Week, an initiative of IOSCO, the International Organization of Securities Commissions, will take place From Monday 4 October to Sunday 10 October. World Investor Week 2021 aims to promote financial education and increase investor protection and will shine a spotlight on a range of initiatives in this area by

For the seventh year in a row, BETTER FINANCE embarked on the herculean task of gathering all the data on private pensions in 17 EU Member States and published its annual report on the real net returns of long-term and retirement savings in Europe. Despite the fact that the European Supervisory Authorities (ESAs) have a

European Federation of Investors and Financial Services Users in short « BETTER FINANCE » ASBL Rue d`Arenberg 44 1000 Brussels Name, legal status, term and legal domicile Art. 1 The name of the not for profit Association is “European Federation of Investors and Financial Services Users”, in short “Better Finance” (the Association). Art. 2 The

The BETTER FINANCE team As an association of national member organisations, BETTER FINANCE is supported by a small professional Brussels-based team and our friends on Facebook and LinkedIn. New members and supporters are always welcome to get involved. Our team consists of finance professionals, lobbyists and communication specialists who carry out the core activities of BETTER FINANCE. Managing Director, Aleksandra Mączyńska

Whereas the European Supervisory Authorities (ESAs) have a legal duty to collect, analyse and report data on “consumer trends” in their respective fields, the unfortunate reality is that long-term and pension savings remain one of the few retail services where neither the customers nor the public supervisors are properly informed about the real net performance

BETTER FINANCE is offering a full-time internship for the duration of 6 months. The successful candidate will assist the team with day-to-day office management, administration as well as internal and external communication. Please note we can only accept candidates able to be enrolled in an exchange programme such as the European ERASMUS+ programme!  We are looking forward to welcoming an enthusiastic

BETTER FINANCE is offering a full-time internship for the duration of 6 months. The successful candidate will assist the team with day-to-day office management, administration as well as internal and external communication. Please note we can only accept candidates able to be enrolled in an exchange programme such as the European ERASMUS+ programme!  We are looking forward to welcoming an enthusiastic

Any investment that seeks to incorporate sustainability elements alongside financial returns. You may hear sustainable investing referred to as ethical investing, impact investing, socially responsible investing, and values-based investing. While definitions of sustainability vary across jurisdictions and regulatory frameworks around the world, the basic tenet of sustainability refers to ESG factors (Environmental, Social, and Governance)

Faced with the risk of “regulatory capture”, six civil society co-signatories representing “small” savers and “minority” investors call on the President of the French Republic to reconsider the governance of the French Financial Markets Authority (AMF) The representatives of “l’Association Éthique et Investissement”, FAIR, Deontofi, RéseauCEP, “l’Association pour le Patrimoine et l’Actionnariat Individuel” and the “Fédération

What is sustainable investing ?

Individual, non-professional investors have an increased appetite for investing in capital markets following the global health pandemic. Evidence in several jurisdictions shows that many new, young, and tech-savvy savers started to invest without professional assistance through what is called execution-only services under EU law . The European Supervisory Authorities (ESMA, EIOPA, EBA) have a legal

Behind the abbreviations multiplying non-stop there are hidden nuances of the financial products in which you invest. More often than not, all these acronyms are used to designate the same thing: investment funds in transferable securities (stocks, bonds or other debt or interest rate products). “These prejudices sometimes contribute to making the supply of funds

Yesterday Oxera released a report entitled “The design of equity trading markets in Europe – An economic analysis of price formation and market data services” commissioned by the Federation of European Securities Exchanges (FESE). Through this research, FESE is seeking to inform the debate on the design of equity trading markets in Europe, particularly when

The world’s largest asset manager, BlackRock, has pitched into debate over US investor rights, backing tougher rules on shareholder advice and “greater transparency” in resolutions and annual meetings. According to Barbara Novick, BlackRock’s vice-chairman, and Ray Cameron, head of investment stewardship for the Americas, such improvements are possible through the proxy process, including around voting

According to research carried out by Morningstar aimed at comparing the performance of active funds with that of index trackers and passive funds over 10 years, managers have consistently failed to beat their benchmarks. In fact, most active fund managers on average outperformed their passive counterparts in just two of the 49 categories taken into

Advocacy, Research, Training and Communication

Six weeks into 2018 the principal indexes around the globe went into freefall, following a global sell-off in stock markets. The table below shows the changes (Δ%) between the closing prices of the indexes over the course of one day.    Some look at the US markets for the cause, where a ‘wage growth in the US jumping

The Retail Investment Strategy (RIS) compromise currently on the table for a European Parliament vote blatantly disregards the interests of retail investors and the establishment of a competitive Capital Markets Union (CMU). Should Ms Yon-Courtin’s proposed compromise be approved by the ECON committee on 20th March and subsequently put to a plenary vote one month

Business and individual investors organisations issue statement on the European Commission’s upcoming initiative on sustainable corporate governance. BETTER FINANCE joined ecoDa, European Family Businesses, EuropeanIssuers, Federation of European Securities Exchanges (FESE), Invest Europe and SMEUnited in issuing this Joint Letter to the European Commission to convey our shared concerns regarding the upcoming proposal on sustainable

BETTER FINANCE issued a Joint Letter regarding the European Commission’s initiative on Sustainable Corporate Governance. This communication asserts that leading European associations share a common perspective on the upcoming initiatives. Alongside BETTER FINANCE, co-signatories are EuropeanIssuers, ecoDa, European Family Businesses (EFB), Federation of European Securities Exchanges (FESE), Invest Europe, SMEunited.

Back in November 2017 we formed an Alliance to voice our disappointment with the European Commission’s proposal for the review of the European Supervisory Authorities (ESAs), and to make proposals to remedy the situation. The Alliance reiterated its main concerns in a joint statement in July 2018, following the report on the review by the

On 6 December the European Securities and Markets Authority (ESMA) announced the new composition of its Securities and Markets Stakeholder Group (SMSG). BETTER FINANCE thanks and congratulates ESMA for improving on the consumer and retail user representation within the SMSG, now at 11, up from 9 in the previous stakeholder group. To read the full

On 6 December the European Securities and Markets Authority (ESMA) announced the new composition of its Securities and Markets Stakeholder Group (SMSG). BETTER FINANCE thanks and congratulates ESMA for improving on the consumer and retail user representation within the SMSG, now at 11, up from 9 in the previous stakeholder group.

On 17 July EIOPA, the European Insurance and Occupational Pensions Authority announced the new composition of its two “stakeholder groups”: the Insurance and Reinsurance one (IRSG), and the Occupational Pensions one (OPSG). BETTER FINANCE thanks and congratulates EIOPA for successfully “seeking to strengthen representation of consumers”, especially in the OPSG where up to now BETTER

On 17 July EIOPA, the European Insurance and Occupational Pensions Authority announced the new composition of its two “stakeholder groups”: the Insurance and Reinsurance one (IRSG), and the Occupational Pensions one (OPSG). BETTER FINANCE thanks and congratulates EIOPA for successfully “seeking to strengthen representation of consumers”, especially in the OPSG where up to now BETTER

2 Degrees Investing Initiative* ...Read More A.D.A.M. – Association pour la défense des Actionnaires Minoritaires A.D.A.M. the Association of Minority Shareholders is an association founded in 1991 whose purpose is to defend the collective interests ...Read More ADICAE – Asociacion de Usuarios de Bancos Cajas y Seguros ADICAE is a Spanish consumer organisation specializing in