BETTER FINANCE response to the IOSCO Crypto-Assets Consultation
The exposure of retail investors to crypto-assets has increased globally, leading to greater retail investor losses due to financial crime, fraud, money laundering, and under-regulated activities in the crypto-asset market ...
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BETTER FINANCE Response to the joint ESAs survey on Innovations
Through their joint pilot survey, the European Banking Authority (EBA), European Securities and Markets Authority and European Insurance and Occupational Pensions Authority (the ESAs) aimed to assess and monitor market ...
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Digital euro: EU Commission’s proposal a first step in the right direction, but more is needed for a safer alternative to bank deposits
The European Commission today published its long-awaited proposal on the digital euro, marking a significant milestone in the digitalisation of public money. The document sets the stage for a democratic ...
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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 ...
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BETTER FINANCE Position Paper on the EU Retail Investment Strategy (executive summary)
The European Federation of investors and Financial Services Users fully supports the clear stated objectives of the European Union’s very welcome “Retail Investor Strategy”. ENSURE A LEVEL PLAYING FIELD IN ...
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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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Retail Investing Surge Cushions Economic Downturn and Calls for Adequate Reforms
Over the last two years, health-related restrictions and economic shutdowns had unforeseen effects on European capital markets. An increase in disposable income available for EU households to invest, and at ...
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Recent “Unofficial” Reports Paid for by Investment Industry Players Push Misleading Findings and Conclusions in Defence of Kickbacks
BETTER FINANCE finds that commission-based distribution models (kickbacks) cost individual investors up to 15% of their investments in sales commissions and generate conflicts of interest which severely hurt their performance. ...
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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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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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