Izvlečki vikend branja nedavnih člankov 3.

Financial Times o preverjanju obračunavanja stroškov za dolgoročne naložbe v sklade

EU to investigate fees and performance of funds
European regulators will look at the transparency of long-term retail products
www.ft.com/content/a...4dcea95797

Na to temo iz bruseljskih dvoran EK:

VP Dombrovskis: The CMU Action Plan - One Year On
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The Capital Markets Union should also provide more options for people who want to save for their retirement. The EU has no single market for personal pensions. We are missing out on economies of scale which limits choice and pushes up the cost for savers. It also means many Europeans do not have access to what can be a valuable addition to a state based or occupational pension.
Over the past 50 years, returns on equity indices yielded 6% annual return and return on corporate debt averaged 4.9%. Banks delivered 1.5% on deposits. The higher levels of return delivered by capital markets could make a critical difference to people saving over the long term, as long as fees are reasonable. As a first step, we have launched a public consultation. We want to use it to determine how to create a competitive and simple personal pension product. We will look carefully at the responses we received and set out how we move forward in this area. We are keeping all options open – including proposing new legislation.
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We will also ask the ESAs to look at the transparency of long term retail investment and pension products, and to perform an analysis of their actual net performance and fees. Returns on retail investment products and pensions can be heavily influenced by the fees levied by asset managers and intermediaries. The right data on the net performance and fees of the most commonly sold products is important. We need it to ensure more competition and better service for consumers.
ec.europa.eu/commiss...ne-year_en

Krasna karikatura FT o inovativnem penzijskem skladu :-)

next-geebee.ft.com/i...&width=600