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BETTER FINANCE welcomes and supports EIOPA’s ongoing work on a supervisory toolkit to assess the value for money offered by unit linked and hybrid insurance products. Since its creation, BETTER FINANCE has been fighting for regulatory and supervisory action to improve the returns of long-term and pension saving products. As BETTER FINANCE research shows, high

The document serves as BETTER FINANCE response to selected questions of ESMA’s discussion paper on the implications of digitalisation for investor protection under MiFID II. The document “Discussion Paper on MiFID II investor protection topics linked to digitalisation” provided by the European Securities and Markets Authority (ESMA) focuses on various aspects of digitalisation in the

BETTER FINANCE endorses the FSUG’s call for improved ‘Value for Money’ in retail investments. The focus is on enhancing the effectiveness of packaged retail and insurance-based investment products (PRIIPs) to contribute significantly to investors’ financial well-being. The FSUG emphasises the responsibility of product manufacturers to design products that boost investors’ financial wealth and urges supervisors

BETTER FINANCE is pleased to announce the appointment of Professor Barbara Alemanni, a specialist in behavioural finance and one of the four academic members of the European Securities and Markets Authority’s Securities and Markets Stakeholder Group, to the BETTER FINANCE Scientific Council.   ⬇️ Read or download the full press release below. ⬇️

Today, BETTER FINANCE, the leading advocate for European citizens as investors, savers, shareholders, and financial services users, unveils its manifesto ahead of the upcoming European Union elections in June 2024. Entitled “Sustainable Value for Money: Reconciling Individuals, Enterprises & The Planet,” the manifesto calls for a renewed emphasis on better outcomes for consumers, long-term investment,

BETTER FINANCE’s full Response to the Targeted Consultation on SRDs – Shareholder Rights Directives (SRD1 and SRD2) for the European Commission by the CSES — [15 December 2023]. BETTER FINANCE advocates for the enforcement of investors’ and shareholders’ rights, underscoring the pivotal role of engagement as a cornerstone within robust green transition plans and corporate

BETTER FINANCE is pleased to announce a new collaboration with SASV (Schweizerischer Anlegerschutzverein), the Swiss Investor Protection Association, further expanding its pan-European network. SASV is dedicated to promoting transparency within the Swiss capital market and advancing investor rights. This partnership with BETTER FINANCE aims to bolster the representation of Swiss individual investors and shareholders on

Brussels, 14 December 2023 – On December 11th, the BETTER FINANCE Scientific Council convened to discuss next year’s research program and to elect a new chairperson. The Council recommended that BETTER FINANCE continues to build on the extensive research conducted by the team and expressed support for the 2024 research program, including further research on

BETTER FINANCE supports FSUG’s COP28 statement, calling on the European Commission to ensure the green transition burden isn’t solely on citizens and communities. ⬇️ Read the full statement below ⬇️

BETTER FINANCE, a leading advocate for investor rights and financial transparency, has released a position paper on transition investing, emphasizing its importance in achieving climate neutrality in the EU. The paper stresses the need for credible, transparent transition plans to avoid greenwashing, advocating for structured engagement over divestment in carbon-intensive industries to drive the shift

Individual, non-professional (“retail”) investors are significantly interested in sustainable investments and by extension rely not only on more data on climate or sustainability-related risks and opportunities, but also on more comparable, and comprehensible data in order to understand the risks and opportunities entities are exposed to.

BETTER FINANCE agrees with ESMA that names can be misleading if those funds do not invest in line with what their names would suggest.

BETTER FINANCE supports the recent proposal put forth by the European Commission, aimed at simplifying the reimbursement of cross-border withholding taxes. Guillaume Prache, the Managing Director of BETTER FINANCE, expresses cautious optimism and states, “This proposal, which was swiftly introduced following a joint study conducted by BETTER FINANCE and DSW – Germany’s leading association for

ESMA’s Guidelines on funds’ names using ESG or sustainability-related terms in their names propose the use of quantitative thresholds whereby “if an investment fund has any ESG-, or impact-related words in its name, a minimum proportion of 80% of its investments should be used to meet the environmental or social characteristics or sustainable investment objectives…”

The Task Force on Climate-related Financial Disclosures (TCFD) guides companies on disclosing climate-related financial risks to investors, lenders, insurers, and other stakeholders. TCFD is primarily a theme or pillar-based recommendations framework, one that is increasingly being used throughout the finance and banking sectors, and championed by the US Securities and Exchange Commission (SEC), UK Financial

This document provides you with key information about this Pan-European Personal Pension Product (PEPP). It is not marketing material. The information is required by law to help you understand the nature, risks, costs, potential gains and losses of this personal pension product and to help you compare it with other PEPPs

Individual, non-professional (“retail”) investors are significantly interested in sustainable investments and by extension rely not only on more data on climate or sustainability-related risks and opportunities, but also on more comparable, and comprehensible data in order to understand the risks and opportunities entities are exposed to. In order to ensure investors receive consistent, comparable, and

The European Supervisory Authorities (ESAs) – EBA, EIOPA, and ESMA issued a consultation paper setting out the proposed Regulatory Technical Standards (RTS) setting out the content and presentation of the Sustainable Finance Disclosure Regulation (SFDR). BETTER FINANCE welcomed the consultation and supports the proposed approach amending the existing Regulatory Technical Standards for the Sustainable disclosure

BETTER FINANCE replied to the European Insurance and Occupational Pension Authority’s (EIOPA) public consultation on open insurance, focused on access to and sharing of insurance-related data. In its Discussion Paper, EIOPA explores questions on whether and how far insurance value chains should be ‘opened’ up by the sharing of insurance-related and specific policyholder data amongst

BETTER FINANCE welcomes the the use of specific templates to standardise the disclosures of ESG information. We consider that to be comparable, the information disclosed  must reach the highest degree of standardisation at cross-sectoral levels and standardisation concerns not only the type of information to be included, but also the order flow and format; in

For a third year in a row, a study by BETTER FINANCE and DSW still points to considerable barriers to shareholder engagement as the Shareholder Rights Directive II fails to deliver for European cross-border shareholders, seriously hampering long-term investor engagement and sustainable corporate governance. Following the entry into force of the Shareholder Rights Directive II

Your subscription was successful. Enjoy your BETTER FINANCE content! Sincerely, The BETTER FINANCE Team Browse our latest Press Releases Delve into our latest Research Reports Consult our Policy Positions and Consultations Peruse our Newsletters' Archive Check our News coverage and articles Check out our Newsletter page (read and/or subscribe)

The events unfolding during the first half of 2020 have shifted the interest of investors, issuers and corporate attitudes towards investments with a clear take on environmental, social and governance aspects. This comes as an attempt by participants and bond issuers alike to better respond to the COVID-19 crisis, translating into a surge in sustainable

Brussels, 21 January 2019 – Back in 2013, BETTER FINANCE clearly expressed its support for a European Financial Transaction Tax (FTT) and its main stated objective “[of ensuring] that financial institutions make a fair and substantial contribution to covering the costs of the recent crisis… and to ring-fence the real economy, SMEs, households, etc.”. At

The study by Morningstar found that out of 1,496 UK-listed open-ended funds, around 108 are run by managers named David or Dave, the equivalent to 7.2% of funds, while there are only 105 women overall managing funds. According to Emma Morgan, portfolio manager at Morningstar, “It’s a great shame that the industry is missing out

On the 13th and 14th September, an informal ECOFIN reunion discussed the “Union’s priorities in the field of the capital markets union for the next institutional cycle” based on the Finnish Presidency’s issues note on the matter. Put simply, the Finnish Presidency identified hurdles to the development of the Capital Markets Union and proposed priority

The Financial Conduct Authority (FCA) received 1,335 notifications of inaccurate reporting on the transaction under the Markets in Financial Instruments Directive (Mifid II) in 2018. The figures have been published by regulatory consultancy Bovill, and only covered those companies that were aware that they breached the new reporting requirements and thus reported themselves to the

Despite the attempts to channel equity trading to the “lit” markets, more than half of European stock is bought and sold through “dark pools”. BETTER FINANCE has long criticised its negative effects on transparency and pricing, promoting the need to restore confidence in financial markets. Attempts to regulate the financial markets and instruments have already

28 November 2018 – Yesterday evening Euroshareholders, the shareholders branch of BETTER FINANCE, announced the winners of the 2018 Euroshareholders Awards at a ceremony in Wiesbaden, Germany. This year, the Euroshareholders’ “Shareholder-friendly” Award, awarded to a DAX 30 company with the most shareholder-friendly director’s pay system, went to Merck. The evaluation criteria for this award

28 November 2018 – Yesterday evening Euroshareholders, the shareholders branch of BETTER FINANCE, announced the winners of the 2018 Euroshareholders Awards at a ceremony in Wiesbaden, Germany. This year, the Euroshareholders’ “Shareholder-friendly” Award, awarded to a DAX 30 company with the most shareholder-friendly director’s pay system, went to Merck.

The Icelandic Savers Organization (ISA), the founding member of BETTER FINANCE, organised a series of lectures during 2018-2019 to commemorate the ten-year anniversary of the crisis of 2008. All the lectures had the common headline “Never Again” and looked into the reasons and consequences of the crisis. The lectures focused on subjects such as the

On December 3, Cecilia Malmström met with Members of the European Parliament who are active in the International Trade Committee (INTA) for the first time in her capacity as the EU Commissioner for Trade. The topic for discussion was a fresh start on TTIP. TTIP, the Transatlantic Trade and Investment Partnership, or as Commissioner Malmström

⬇️ Read or download BETTER FINANCE’s National Key Priorities for 2024-2029 below. ⬇️ Let’s harness the Capital Markets Union’s (CMU) potential to benefit our citizens as financial consumers, retail investors and pension savers, as well as our planet, economy, and future generations. This will ensure Europe’s prosperity and security in a rapidly changing geopolitical environment.

For long‐term and pension savers, the year 2022 was undoubtedly a calamitous one. Poor capital market performance and sky‐rocketing inflation across all European Union (EU) Member States resulted in disastrous returns, both in nominal and real terms, for virtually all of the product categories analysed in this report. This comes after a year 2021 that

For long‐term and pension savers, the year 2022 was undoubtedly a calamitous one. Poor capital market performance and sky‐rocketing inflation across all European Union (EU) Member States resulted in disastrous returns, both in nominal and real terms, for virtually all of the product categories analysed in this report. This comes after a year 2021 that

BETTER FINANCE was quoted in a recent Reuters article on the ongoing discussion surrounding the European Union’s plans to enhance consumer protections in the financial services sector through its retail investment package. Notably, the EU aims to introduce ‘value for money’ safeguards as well as a ban on “inducements” for non-advised sales of investment products,

BETTER FINANCE, the European Federation of Investors and Financial Services Users, welcomed the European Commission’s launch of a Retail Investor Strategy in September 2020, as a once in a lifetime opportunity to create a capital markets Union that works for people. Nevertheless, the legislative proposal, despite incorporating certain positive advancements, falls short of fulfilling several

On Thursday 13 April Ferrovial, the Spanish construction group, announced that its shareholders have approved a plan to relocate its holding company to the Netherlands through a reverse merger with its Dutch subsidiary Ferrovial International SE (FISE). The decision was made during Ferrovial’s Annual General Meeting (AGM). This strategic move aims to facilitate future listings

Any investment that seeks to incorporate sustainability elements alongside financial returns. You may hear sustainable investing referred to as ethical investing, impact investing, socially responsible investing, and values-based investing. While definitions of sustainability vary across jurisdictions and regulatory frameworks around the world, the basic tenet of sustainability refers to ESG factors (Environmental, Social, and Governance)

In general, those who seek sustainable investing gain a more holistic view of the companies they support, which can help mitigate risk and identify opportunities for growth and improvement. Before investing, you should carefully examine which of the above approaches and which product best suits you and your needs. For example, are ecological aspects of