By Ján Šebo, Ştefan Dragoş Voicu, Carsten Andersen, Aleksandra Mączyńska, Didier Davydoff, Lorenzo Marchionni, Marissa Diaz, Michal Mešťan, Lubomir Christoff, Edin Mujagić, Gabaut Laetitia, Grégoire Naacke, Johannes Hagen, Guillaume Prache, Fernando Herrero

In June 2013, BETTER FINANCE published a research report entitled “Private Pensions: The Real Return” which evaluated the return of private pension products after charges, after inflation (“real” returns) and – where possible – after taxation. This first report furthermore identified the factors affecting these returns in Denmark, France and Spain, including an indepth description of the pension savings vehicles available in these countries.

In September 2014, BETTER FINANCE published the 2014 edition of the “Pension Savings: The Real Return” research report, which included data updates for the three countries covered in the initial study, as well as new in-depth evaluations of pension savings for five new countries: Belgium, Germany, Italy, Poland and the United Kingdom.

The 2015 edition of the BETTER FINANCE research report was aimed at updating the existing country cases and expanding the coverage to 15 European Union countries with the addition of Bulgaria, Estonia, Latvia, the Netherlands, Romania, Sweden and Slovakia. With the inclusion of these countries the research report reached a coverage of approximately 85% of the EU population.

Source: SSRN