Across Europe, millions of citizens remain hesitant to save and invest. Their scepticism is mostly rooted in low financial literacy, limited confidence in financial institutions, and persistent concerns about fairness, transparency, and misselling. Today, as digital finance, neobrokers, finfluencers, AI-driven financial content, and a wider variety of investment products become the norm, investing has become more accessible and user-friendly than ever before, yet it remains complex. While these innovations offer new opportunities, they can also leave some citizens unsure about…
Find out more »Despite recent progress, EU financial markets remain fragmented, comparatively small and less competitive. This is a missed opportunity for potential economies of scale and efficiency gains. To combat this stagnation, the European Union is advancing the Savings and Investment Union by implementing the new Market Integration Package. However, as the EU intensifies its efforts, the central question is whether the new market integration package will deliver tangible benefits for Europe's retail investors and savers. For a thorough examination of this issue, BETTER FINANCE is hosting…
Find out more »Inflation and taxation are increasingly eroding the real value of household savings and long-term investment across Europe. Even when financial markets perform well, many retail investors struggle to preserve purchasing power, as tax systems often levy nominal returns without adequately accounting for inflation, cross-border investment barriers or the long-term nature of savings. As a result, taxation has become a key determinant of investor outcomes, retirement adequacy and confidence in Europe’s capital markets. Recent research highlights the scale of the challenge.…
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