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Publications

Our Research & Policy Aim

As a public interest organisation, BETTER FINANCE is committed to advancing the interests of individual investors and users of financial services throughout the European Union.

Our Goal

Our goal is to promote transparency, long-term value, and consumer protection in financial markets, ensuring that retail investors have a strong voice in policy discussions.

Our Approach

Working collaboratively with our member organisations, BETTER FINANCE undertakes rigorous analysis and research, engages in stakeholder consultations, and solicits expert contributions, resulting in well-informed, data-driven policy recommendations.

This approach ensures that EU financial regulations align with the interests of European citizens.

Explore Our Full Library of Publications

Financial Repression | Low ECB Interest Rates & High Inflation generate a Loss of €1 Trillion in Purchasing Power for European Savers in 2022 alone

In a late bid to address soaring inflation in the Euro area, the European Central Bank (ECB) increased interest rates for the first time in 11 years in July 2022, ...
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/ Press Releases, Financial Education, Life Insurance & Pensions, Securities Markets & Trading

European savers are set to lose hundreds of billions of euros in purchasing power in 2022 alone

21 April 2022 | Financial repression poses a major problem for the protection of savers: policymakers must act and stop using savers' cognitive biases to their detriment. Facts | On ...
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/ Press Releases, Financial Education, Life Insurance & Pensions, Packaged Investment Products

Robo-advice: Automated? Yes. Intelligent? Not so much.

Extreme divergences between platforms and investor profiles in terms of asset allocation and expected returns reveal significant deficiencies in the suitability of the algorithms’ investment recommendations. From virtual meetings and ...
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/ Press Releases, Capital Markets (equity & bonds), Financial Education, FinTech, Securities Markets & Trading, Sustainabe Finance

Are Robo-advisors sufficiently intelligent to provide suitable advice to individual investors?

BETTER FINANCE continued its research series into Robo advice with this sixth annual edition, mapping start-up platforms that provide Robo-advisory and investing services, and analysing their user-friendliness, transparency, costs, portfolio ...
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/ Research papers, Capital Markets (equity & bonds), Financial Education, FinTech, Sustainabe Finance

BETTER FINANCE response to the European Commission’s Public Consultation on the EU Strategy for Retail Investors – Annex 1

In our view, the Strategy for Retail Investors (the topic of this consultation) and the Capital Markets Union project are strongly interlinked as both share the aim to promote more ...
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/ Consultations, Capital Markets (equity & bonds), Financial Education, FinTech, Packaged Investment Products, Securities Markets & Trading, Supervision & Redress

BETTER FINANCE response to the European Commission’s Public Consultation on the EU Strategy for Retail Investors – Annex 2

Annex 2: Individual investor behaviour during the COVID-19 crisis in selected jurisdictions In the first edition of the half-annual report on Trends, Risks, and Vulnerabilities (no. 1, 2021) on EU ...
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/ Consultations, Capital Markets (equity & bonds), Financial Education, FinTech, Packaged Investment Products, Securities Markets & Trading, Supervision & Redress

Investing in Funds 101

Following on the heels of its 2020 video on “why to invest in shares?” (published exclusively in French), BETTER FINANCE now launches a new educational video on “Investing in Funds”, ...
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/ Press Releases, Capital Markets (equity & bonds), Financial Education

Commissioner McGuinness: “Putting people at the heart of the financial system is part of my vision”

On 22 April at the BETTER FINANCE’s international conference, high-level speakers and over 350 registered participants debated “How to make the EU Capital Markets Union (‘CMU’) work for people?”. For ...
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/ Press Releases, Banking, Capital Markets (equity & bonds), Financial Education, Financial Reporting & Audit

GameStop Case Highlights Discrimination of “Retail” Investors in Stock Markets

In January, the market value of American video game and electronics retailer GameStop, driven by an “army” of “retail” investors[1], shot up from $1.4 billion to $33.7 billion.  This dramatic ...
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/ Press Releases, Capital Markets (equity & bonds), Financial Education, FinTech, Securities Markets & Trading

The Report of the High-Level Forum on the European Capital Markets Union (CMU): European Savers one step closer to getting Sustainable Value for their Money

PRESS RELEASE The Report of the High-Level Forum on the European Capital Markets Union (CMU): European Savers one step closer to getting Sustainable Value for their Money Brussels, 10 June ...
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/ Press Releases, Capital Markets (equity & bonds), Financial Education, Financial Reporting & Audit, FinTech, Life Insurance & Pensions, Packaged Investment Products, Securities Markets & Trading, Shareholder Rights & Corporate Governance, Supervision & Redress, Sustainabe Finance