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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

Europe Wants Citizens to Invest. So Why Does the Tax System Punish Them?

Europe wants its citizens to invest more of their savings in capital markets. Yet across Europe, tax systems can make investing unnecessarily complex, favour certain savings products over others and ...
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/ Press Releases, Savings and Investment Union, Securities Markets & Trading

Tax Distortions in Retail Investing: Brokerage and Savings & Investment Accounts in Europe

Seven national tax systems through the lens of retail-investor representatives: lessons for the Savings and Investments Union Europe’s true challenge is not a shortage of household savings in aggregate, but ...
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/ Research papers, Savings and Investment Union, Securities Markets & Trading

European shareholders call time on “postcode lottery” AGMs

New BETTER FINANCE survey reveals fragmented rules, persistent barriers, and risks of weakening individual shareholder voice across Europe A new Europe-wide survey by BETTER FINANCE members and coordinated by its ...
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/ Press Releases, Savings and Investment Union, Shareholder Rights & Corporate Governance

Evidence from AGMs: Fixing Europe’s Fragmented Shareholder Rights Framework (2025-2026)

BETTER FINANCE and IVA surveyed retail investor representatives across 15 European jurisdictions (13 EU Member States, together with the UK and Switzerland) to examine how shareholder rights work in practice ...
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/ Research papers, Capital Markets (equity & bonds), Savings and Investment Union, Shareholder Rights & Corporate Governance

BETTER FINANCE & FESE Joint Statement: Urgent Call to Make EU Capital Markets Deeper and More Attractive

A renewed vision for Europe’s capital markets Mario Draghi’s Report highlighted that Europe’s capital markets should finance growth and innovation, yet they remain fragmented and underperforming. A year later, European ...
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/ Public Letters, Capital Markets Union (CMU), Savings and Investment Union

​BETTER FINANCE Welcomes EU Blueprint for Savings and Investment Accounts as a Long-Awaited Boost for EU Citizens – with Some Caveats

BETTER FINANCE, the European Federation of Investors and Financial Services Users, welcomes the European Commission’s new initiatives to advance the Savings and Investments Union (SIU), notably the EU Financial Literacy ...
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/ Press Releases, Capital Markets Union (CMU), Savings and Investment Union

Financial Health of Europeans – Quantitative Research & Report Insights from a Pan-European Study

According to the definition adopted by the World Health Organisation (WHO), “Health is a state of complete physical, mental, and social well-being and not merely the absence of an objectively ...
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/ Research papers, Capital Markets Union (CMU), Financial Education, Savings and Investment Union

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 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

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

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