According to the definition adopted by the World Health Organisation (WHO), “Health is a state of complete physical, mental, and social well-being and not merely the absence of an objectively existing disease or disability” (World Health Organization, 1946). However, it appears that in addition to the three areas mentioned by the WHO, a fourth key
BETTER FINANCE Provides Feedback on Draft Amendments to Solvency II Delegated Rules on the Calculation of Insurers’ Capital Requirements BETTER FINANCE welcomes the European Commission’s efforts to review the prudential framework for insurance undertakings in a way that enables more investments into productive assets. BETTER FINANCE generally believes that the objectives of a stable financial
BETTER FINANCE welcomes the European Commission’s intention to review the EU’s legal framework for supplementary pensions—the IORP II Directive and PEPP Regulation—as well as promote measures for the development of pension tracking systems and pension dashboards. As BETTER FINANCE research has shown for years, the EU’s supplementary pensions landscape is characterised by pervasive underperformance. We,
Following the European Securities and Markets Authority’s (ESMA) initiative to map the “retail investor journey”, BETTER FINANCE welcomes this timely step towards putting citizens at the heart of capital markets policy. BETTER FINANCE reiterates that low retail participation is not due to investor “reluctance” or “risk aversion” alone, but stems from long-standing structural frictions: misaligned
BETTER FINANCE welcomes ESMA’s initiative to map the “retail investor journey” as a step toward an investor-centric approach. Our response highlights that low retail participation is less about investor “reluctance” and more about structural failures: biased advice models, inconsistent oversight, poor value for money, and tax frictions. Current frameworks are fragmented, opaque, and product-siloed, limiting
BETTER FINANCE, warmly welcomes the European Commission’s stated intention to review the EU framework on supplementary pensions. Year after year, our research on the real return of long-term and pension savings highlights the dramatic underperformance of too many pension saving solutions across the EU. We therefore strongly support the Commission’s efforts to identify the changes
Simple access to a wide range of investment products, incentives to adopt a long-term perspective and the freedom to switch service providers without undue costs are crucial elements of an investor-friendly framework for retail investments. In that regard, BETTER FINANCE, the European voice of individual investors, strongly welcomes the European Commission’s intention to promote simple
BETTER FINANCE Responds to the European Commission’s Targeted Consultation on the Integration of EU Capital Markets BETTER FINANCE welcomes the comprehensive examination that the European Commission is undertaking of the barriers that prevent the integration of EU capital markets. Further integration is essential to build deeper and more competitive EU capital markets, for the benefit
BETTER FINANCE, the European Federation of Investors and Financial Services Users, has announced its support for the Spanish Association for Minority Shareholders of Listed Companies (AEMEC) in its efforts to ensure transparency, accountability, and strong corporate governance following the nationwide blackout that affected Spain, Portugal, and parts of France on 28 April 2025. BETTER FINANCE
BETTER FINANCE and AEMEC are pleased to announce the winners of the Euroshareholders Award 2025, held on 12 June 2025 in Madrid. This year’s honourees are Inditex and Banco Santander, recognised for their exemplary commitment to shareholder rights, corporate governance, and transparent communication. Established by BETTER FINANCE in 2009, the Euroshareholders Award highlights listed companies