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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

​​Strong Markets, Weak Pensions: The Real State of European Pensions​

BETTER FINANCE publishes the 2025 edition of “Will You Afford to Retire?” revealing persistent structural challenges in long-term and pension savings across Europe. Despite a second strong year, European pension ...
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/ Press Releases, Life Insurance & Pensions, Pensions Report - The Real Return

Will you afford to retire? | The Real Return of Long-term and Pension Savings | 2025 Edition

It is sometimes frustrating to report, every year, on something as unfailingly disappointing as the real return of European supplementary pensions. It is a feeling akin to that of ...
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/ Research papers, Life Insurance & Pensions, Pensions Report - The Real Return

​​Mind the Pension Gap: EU Stakeholders Call for More Adequate and Inclusive Supplementary Pensions​

BETTER FINANCE and the CFA Institute yesterday concluded the conference “Mind the Pension Gap: Delivering Adequate, Inclusive & Portable Pensions in the Current EU Cycle”, kindly hosted by MEP Stéphanie ...
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/ Press Releases, Life Insurance & Pensions, PEPP

​​BETTER FINANCE Welcomes Reforms to the Pan-European Personal Pension Product, but Cautions “the Devil is in the Detail”​

The European Commission’s proposed reforms to the Pan-European Personal Pension product (PEPP) could make retirement savings simpler, more transparent, and potentially more cost-efficient for millions of Europeans — but BETTER FINANCE warns that “the ...
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/ Press Releases, Life Insurance & Pensions, PEPP, Product governance & disclosures

BETTER FINANCE Responds to the Commission’s Call on Draft Amendments to Solvency II Delegated Rules

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 ...
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/ Consultations, Capital Markets (equity & bonds), Life Insurance & Pensions, Savings and Investment Union

BETTER FINANCE Responds to ​​European Commission Target Consultation on Supplementary Pensions​

​​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 ...
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/ Consultations, Life Insurance & Pensions, PEPP

BETTER FINANCE calls for structural reform to deliver a truly investor-centric retail journey

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 ...
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/ Press Releases, Capital Markets (equity & bonds), Capital Markets Union (CMU), Digital Finance, Life Insurance & Pensions, Packaged Investment Products, Product governance & disclosures, Retail Investment Strategy, Savings and Investment Union

BETTER FINANCE Response to ESMA Consultation on the Retail Investor Journey

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” ...
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/ Consultations, Capital Markets (equity & bonds), Capital Markets Union (CMU), Digital Finance, Life Insurance & Pensions, Packaged Investment Products, Retail Investment Strategy, Savings and Investment Union

Consultation Response to the Commission’s Call for Evidence on Supplementary Pensions

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 ...
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/ Consultations, Life Insurance & Pensions, PEPP

Consultation Response to EIOPA’s Consultation on the Opinion of AI Governance and Risk Management

BETTER FINANCE welcomes EIOPA’s draft Opinion on AI governance and risk management in insurance undertakings. As the European-level representative of life insurance policyholders, BETTER FINANCE fully supports EIOPA's risk-based approach ...
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/ Consultations, Life Insurance & Pensions, Product governance & disclosures

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

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