Would you agree with the assessment that certain products that are offered to consumers do not offer Value for Money? If yes: a) how significant a problem would you consider this to be? b) for which products/market segments is this problem particularly relevant? To begin with, BETTER FINANCE firmly suggests providing clear definitions for key concepts,
Explanations A differential pricing mechanism in insurance contracts describes a practice by which an insurance company adapts the cost or price of the product/service on considerations other than the expected risk premia or estimated expenses. Put simply, prices will reflect how proactive or passive a client is (shop around or not) rather than the risk
The Real Return 2022 – Austria The Real Return 2022 – Belgium The Real Return 2022 – Croatia The Real Return 2022 – Denmark The Real Return 2022 – Estonia The Real Return 2022 – France The Real Return 2022 – Germany The Real Return 2022 – Italy The Real Return 2022 – Latvia The
Every year, BETTER FINANCE compiles the returns of private long-term and pension savings, so we can have an overview of how these products perform, compare them, and know their performances in real terms. The report on the Real Returns of Long-Term and Pension Savings covers 17 countries in the EU and both occupational and voluntary
Eurozone inflation mushroomed from 3.4% to 10% in one year, further deepening Europe’s cost-of-living crisis, yet the best the European Central Bank (ECB) could muster is a late and timid hike of interest rate from 0 to 0.75%. Financial repression policies in place since the crises of 2008 and 2009 are being tightened further in
For 10 years now BETTER FINANCE points to the often-poor real net returns of long-term and pension savings (see the 2022 Edition of the Real Return) across a large number of EU jurisdictions. It is getting worse, and while a couple of years of poor performances can be made up for, the same can’t be
BETTER FINANCE published the 10th edition of its “Real Return of Long-Term and Pension Savings report | 2022 Edition”. Download the report in English for free here (or see below). Should you like to order a physical copy, please contacts us at info@betterfinance.eu. Press Release: “Pensions Report 2022: It will get much worse for EU
CEPS together with Milieu and Europe Economics have been commissioned by the European Commission (Directorate-General for Financial Stability, Financial Services and Capital Markets Union) to conduct a study on the Audit Directive and Regulation. Please find BETTER FINANCE’s response to the survey for the CEPS Study below.
This report is a collaboration between analysts, actuaries, and researchers from consumer protection organisations. The purpose is to analyse and evaluate the fitness of a selection of life insurance companies’ solvency conditions and reporting. The solvency condition reflects how well-prepared an insurance company is to react and pay out insurance claims to policyholders in case