This article was first published in the 23rd edition of the Fact Book on 24 June 2025.

This article was first published in the 23rd edition of the Fact Book on 24 June 2025.

This article was first published in the 23rd edition of the Fact Book on 24 June 2025.

Towards a successful Savings and Investments Union 

This article was first published in the 23rd edition of the Fact Book on 24 June 2025.

This article was first published in the 23rd edition of the Fact Book on 24 June 2025.

This article was first published in the 23rd edition of the Fact Book on 24 June 2025.

Given the emphasis on costs and value for money for European investors, we have examined whether lower fees consistently translate into better net performance. Our analysis shows that this is not always the case; less-expensive funds do not necessarily deliver the highest returns, and in some instances, higher-cost funds outperform.  

This article was first published in the 23rd edition of the Fact Book on 24 June 2025.

This article was first published in the 23rd edition of the Fact Book on 24 June 2025.

This article was first published in the 23rd edition of the Fact Book on 24 June 2025.

It has now been three years since the European Commission launched a consultation on the Open Finance framework, with the idea of creating a similar solution to PSD2 for a broader range of financial data. This initiative took the shape of the Financial Data Access Regulation (FiDA)1, with the proposal being published in June 2023.