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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

The Real Return 2022 – Country by Country

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

Guide on Pension Awareness

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 ...
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/ Research papers, Financial Education, Life Insurance & Pensions, Packaged Investment Products, Sustainabe Finance

The Real Return Long-Term Pension Savings Report | 2022 Edition

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) ...
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/ Research papers, Financial Education, Life Insurance & Pensions, Pensions Report - The Real Return, Sustainabe Finance

Solvency Reports (SFCR) 2021 under examination: the Body Mass Index of the life-insurance industry | 2022 Edition

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’ ...
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/ Research papers, Financial Reporting & Audit, Life Insurance & Pensions

Securities Lending: Income Attribution & Conflicts of Interests in EU Retail Investment Funds

In 2021, the total income generated by securities lending operations globally stood at €7.8 billion, up by 21% compared to 2020. The majority of operations and lenders are outside the ...
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/ Research papers, Capital Markets (equity & bonds), Securities Markets & Trading

The New Investing Environment for Retail Investors | Expectations and Challenges Ahead

BETTER FINANCE published a report in support of its response to the EC Consultation on the EU Strategy for Retail Investors, illustrating the current state of affairs, detailing how to ...
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/ Research papers, Capital Markets (equity & bonds), FinTech, Securities Markets & Trading

Individual Redress Tools in EU Retail Financial Services | Can a Retail Investor take on the Giants?

Savers and individual investors are one of the most vulnerable groups of consumers due to the nature of financial markets, the limited financial literacy of households and the growing complexity ...
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/ Research papers, Supervision & Redress

Simple Products for Retail Investors | What they look like vs What they should look like

Individual, non-professional investors have an increased appetite for investing in capital markets following the global health pandemic. Evidence in several jurisdictions shows that many new, young, and tech-savvy savers started ...
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/ Research papers, Capital Markets (equity & bonds), Life Insurance & Pensions, Packaged Investment Products

Special Purpose Acquisition Companies (SPACs): Impacts on Transparency, Information Disclosure, Investor Protection and Supervision

The objective of this project is to understand the perceived experience of market participants with special purpose acquisition companies (SPACs), including investment professionals as well as the recipients of financial ...
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/ Research papers, Capital Markets (equity & bonds), Securities Markets & Trading, Shareholder Rights & Corporate Governance, Supervision & Redress

BETTER FINANCE Evidence Paper on the Detrimental Effects of Inducements

BETTER FINANCE screened available evidence (literature, surveys, experiments, and statistical data) comparing the impact of allowing the receipt of “inducements” by distributors or brokers of “retail” investment services and products, ...
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/ Research papers, Capital Markets (equity & bonds), FinTech, Packaged Investment Products

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

View Latest Press Releases