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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

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

When Companies Leave the Market | Strengthening Investor Protection in Europe’s Delisting Landscape

Listing and delisting are the entry and exit doors of public equity markets, yet only the former has meaningfully shaped EU policymaking. Recent reforms — most notably the 2024 Listing Act — focused on ...
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/ Research papers, Capital Markets (equity & bonds), Capital Markets Union (CMU), Securities Markets & Trading, Shareholder Rights & Corporate Governance

Transition Investing | Key Challenges and Opportunities | 2025 Report

Transition investing, or investing in emission-reducing activities, has not become obsolete in 2025. Global investment amounted to about $2.1 trillion in 2024, led by renewables, electric vehicles, and grids. China ...
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/ Research papers, Shareholder Rights & Corporate Governance, Sustainabe Finance

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

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

Shareholder Engagement and Transition of Capital Flows

Executive Summary This report provides a comprehensive analysis of shareholder engagement and the transition of capital flows in Europe. Structured across five key chapters, each addressing critical aspects of shareholder ...
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/ Research papers, Sustainabe Finance

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

Transition Investing: Key Challenges and Opportunities | 2024 Report

Executive Summary The global financial landscape is increasingly focusing on transition investing, a strategic approach to channelling capital towards aspiring sustainable economic activities. This paper provides an overview of the ...
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/ Research papers, Sustainabe Finance

Will You Afford to Retire? | The Real Return of Long-term and Pension Savings | 2024 Edition | Country-by-Country

Was 2023 the year when European retail investors finally obtained the “fairer deal” that outgoing European Commissioner Mairead McGuinness had wished for them (McGuinness, 2023)? As far as long-term and ...
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/ Research papers, Life Insurance & Pensions, Pensions Report - The Real Return

Will you afford to retire? | The Real Return of Long-term and Pension Savings | 2024 Edition

Was 2023 the year when European retail investors finally obtained the “fairer deal” that outgoing European Commissioner Mairead McGuinness had wished for them (McGuinness, 2023)? As far as long-term ...
Read More
/ Research papers, Life Insurance & Pensions, Pensions Report - The Real Return

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

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