Turning more Europeans into investors

Name: Brand Response
Price range: $

Maxime Jérôme Rolland-Calligaro

December 18, 2025

Last night MEPs and diplomats found an agreement on the “Retail Investment Strategy”.

Retail investors are simple households wishing to invest in the real economy. Not many do in Europe - more than 70% of EU citizens have never invested in financial products. Either because they find it risky or because they’re not even aware it can be done.

The law agreed yesterday does two things. First, it beefs up consumer information on financial products to attract more Europeans towards investments. Second, it relaxes rules for those who already do invest.

Making investing safe and easy.

One of the reasons why European do not invest is because they’re afraid of losing their money. This is part of the investment game. But scams should not be allowed.

Stéphanie Yon-Courtin, rapporteur for the text, says: “Financial influencers have become “financial advisors 2.0” online. If some are good, some are plain fraudsters and today, this goes unpunished. With the agreement we found, finfluencers will be held accountable for the investment they’re pushing on their social media feed”.
Stéphanie Yon-Courtin
Renew Europe MEP, France, Renaissance

Another reason why Europeans do not invest is because they do not understand the financial lingo. This will change. The agreement found yesterday will force sellers to make clear and easy-to-understand summaries of the pile of information given to them before making an investment. What’s more, this easy-to-use information will become more comparable.

Stéphanie Yon-Courtin says: “The European Parliament pushed for the creation of an EU-wide financial product comparison website equivalent to a flight comparators one where Europeans will be able to easily compare costs, risk and return of financial products. The Commission will have to assess how and when this idea shall be put in place.”
Stéphanie Yon-Courtin
Renew Europe MEP, France, Renaissance

Making investing a real conduit for innovation and reform

For those Europeans who already dab into investment, the agreement will relax rules and make investing worth the risk.

Today, individuals that do have knowledge of investments but are not licensed bankers or traders cannot access high-risk investments (understand: the next big innovation).

Stéphanie Yon-Courtin, stated: “The agreement we found last night enables knowledged and experienced investors to be requalified as “professionals” and tap into juicier, riskier investments opportunities. We’re essentially creating the conditions to have more business angels in Europe."
Stéphanie Yon-Courtin
Renew Europe MEP, France, Renaissance

This file is the first decisive step towards delivering the Savings and Investments Union, translating the proposals put forward by Draghi and Letta into action.

She concluded : "This agreement moves the Savings and Investment Union from theory to reality. It has been an honour for me to lead this file in the European Parliament. And while the final vote still lies ahead, today our message could not be clearer: Europe is serious about savings, investment and growth”.
Stéphanie Yon-Courtin
Renew Europe MEP, France, Renaissance

ECON Retail Investment Strategy Mario Draghi