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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

Consultation Response to Commission’s Call for Evidence on Savings and Investment Accounts

Simple access to a wide range of investment products, incentives to adopt a long-term perspective and the freedom to switch service providers without undue costs are crucial elements of an ...
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/ Consultations, Capital Markets Union (CMU), Retail Investment Strategy, Savings and Investment Union, Shareholder Rights & Corporate Governance

Consultation Response on the Integration of EU Capital Markets​

BETTER FINANCE Responds to the ​​European Commission’s Targeted Consultation on the Integration of EU Capital Markets​ ​​BETTER FINANCE welcomes the comprehensive examination that the European Commission is undertaking of the ...
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/ Consultations, Capital Markets (equity & bonds), Capital Markets Union (CMU), Retail Investment Strategy, Securities Markets & Trading

BETTER FINANCE Asks EU Member States to be More Ambitious with Their European Savings Label Initiative

Brussels, 5 June 2025 - BETTER FINANCE, the voice of European savers and individual investors, expresses hopes but also concerns regarding the European Savings Label initiative to be launched today ...
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/ Press Releases, Capital Markets Union (CMU), PEPP, Product governance & disclosures, Retail Investment Strategy

Consultation Response on the EU Follow-on Prospectus and the EU Growth Issuance Prospectus

Targeted consultation on the reduced content and the standardised format and sequence of the EU follow-on prospectus and the EU growth issuance prospectus BETTER FINANCE welcomes the introduction of the ...
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/ Consultations, Capital Markets (equity & bonds), Product governance & disclosures, Retail Investment Strategy

Neobrokers – Trading Fractions Reinventing Retail Ownership and Challenging Regulation

A BETTER FINANCE Focused Paper on Fractional Investing The rapid expansion of neobrokers across the European Union has fundamentally reshaped the retail investment landscape by introducing mobile-first, low-cost platforms characterised ...
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/ Research papers, FinTech, Retail Investment Strategy, Securities Markets & Trading

Improving Retail Investment in the EU

Key points by civil society on the RIS trilogues from the individual investors' perspective. The Retail Investment Strategy was launched in May 2023, due to the realisation that consumers (i.e ...
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/ Position Papers, Capital Markets Union (CMU), Product governance & disclosures, Retail Investment Strategy

BETTER FINANCE Welcomes the Return to On-Site AGMs in Germany

Brussels | Press Release BETTER FINANCE, the European Federation of Investors and Financial Services Users, welcomes the encouraging vote by Siemens shareholders against virtual-only AGMs - a decision that signals ...
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/ Press Releases, Retail Investment Strategy

ESMA Reveals EU Individual Investors Still Losing Out: High Costs, Low Returns, and Ineffective Fund Management

Brussels | Press Release The European Securities and Markets Authority (ESMA) has just released its annual report on the costs and performance of EU retail investment products. While the report ...
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/ Press Releases, Capital Markets Union (CMU), Product governance & disclosures, Retail Investment Strategy, Securities Markets & Trading

Enhancing Financial Health and Wealth in the EU: A Comprehensive Approach to Boosting Retail Investor Participation in Capital Markets

Research Report - BETTER FINANCE's report, "Enhancing Financial Health and Wealth in the EU," explores strategies to boost retail investor participation in the European Union’s capital markets, which remains limited ...
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/ Research papers, Capital Markets (equity & bonds), Capital Markets Union (CMU), Financial Education, FinTech, Life Insurance & Pensions, Packaged Investment Products, Retail Investment Strategy

BETTER FINANCE Welcomes Key Aspects of Commissioner-Designate Albuquerque’s Vision but Urges Stronger Focus on Retail Investor Protections

Brussles, 8 November 2024 - Press Release BETTER FINANCE, the European Federation of Investors and Financial Services Users, welcomes the appointment of Ms Albuquerque as Commissioner-Designate for Financial Services following ...
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/ Press Releases, Banking, Capital Markets (equity & bonds), Financial Education, Life Insurance & Pensions, Packaged Investment Products, Product governance & disclosures, Retail Investment Strategy, Sustainabe Finance