+32 25 14 37 77

Members' Portal



image
Gateway to
Responsible Investing

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

Will you afford to retire? | The Real Return of Long-term and Pension Savings | 2023 Edition – Country-by-country

  • The Real Return of Long-term and Pension Savings 2023 - Austria
  • The Real Return of Long-term and Pension Savings 2023 - Belgium
  • The Real Return of Long-term and Pension ...
    Read More
/ Research papers, Pensions Report - The Real Return

Will you afford to retire? | The Real Return of Long-term and Pension Savings | 2023 Edition – Executive Summary

For long‐term and pension savers, the year 2022 was undoubtedly a calamitous one. Poor capital market performance and sky‐rocketing inflation across all European Union (EU) Member States resulted in disastrous ...
Read More
/ Research papers, Pensions Report - The Real Return

Transition investing: key challenges and opportunities

Transition investing refers to capital needed to improve economic activities, that are not environmentally friendly at present. Such capital supports the development of innovation and infrastructure, enabling current activities to ...
Read More
/ Research papers, Product governance & disclosures, Sustainabe Finance

CMU Assessment Report 2019-2022 | Building a Capital Markets Union “That Works for People”

BETTER FINANCE released its updated report on the progress of the European Capital Markets Union (CMU), and the results are discouraging. The report analyses the first five key performance indicators ...
Read More
/ Research papers, Capital Markets (equity & bonds), Capital Markets Union (CMU)

Withholding taxes on dividends in the European Union: An uphill battle for individual shareholders

A recent survey conducted by BETTER FINANCE and DSW among 3000 investors across the EU found that withholding tax (WHT) refund procedures are cumbersome and costly, making it difficult or ...
Read More
/ Research papers, Capital Markets (equity & bonds), Capital Markets Union (CMU), Other, Securities Markets & Trading, Shareholder Rights & Corporate Governance, Supervision & Redress

Robo-advice 2022 Report | Breaking Barriers of Traditional Advice

BETTER FINANCE continued its research series into Robo-advice with this seventh annual edition (2022), mapping a sample of platforms that provide online Robo-advisory investing services, by analysing their (automated) advice ...
Read More
/ Research papers, Capital Markets (equity & bonds), Financial Education, FinTech, Sustainabe Finance

Barriers to shareholder engagement | SRD II  Revisited (AGM season 2022)

EXECUTIVE SUMMARY Long-term investor engagement and sustainable corporate governance hampered by antiquated, fragmented and costly processes in the hands of financial intermediaries Despite the great importance the EU attaches to ...
Read More
/ Research papers, Capital Markets (equity & bonds), Capital Markets Union (CMU), Securities Markets & Trading, Shareholder Rights & Corporate Governance

Shifting the Trillions | Why will private investors play a key role?

Research presentation by 2° Investing Initiative (2DII
  • Shifting the Trillions: the transition needs to be massive and transformative
  • Still, the funding gaps can be put in perspective with household savings
    • ...
    Read More
/ Research papers, Sustainabe Finance

Long-term and Pension Savings – The Real Return – 2022 Edition – Summary Booklet

BETTER FINANCE published the 10th edition of its “Real Return of Long-Term and Pension Savings report | 2022 Edition”. Download the full report in English for free here. A Summary ...
Read More
/ Research papers, Life Insurance & Pensions, Pensions Report - The Real Return

The Real Return 2022 – Country by Country

/ Research papers, Life Insurance & Pensions, Pensions Report - The Real Return

For timely updates on our advocacy and regulatory positions, consult our press releases

View Latest Press Releases