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European Insurance and Occupational Pensions Authority
General publications

Cost and past performance report 2021


Publication date
14 April 2021


This report provides an analysis of costs for the year 2019 and past performance for the period 2015-2019. The products within scope for this iteration of the report are: Insurance-based Investments Products (IBIPs) and Personal Pension Products (PPPs).

The report covers the European Union (EU) markets until 2019 and excludes UK, being most of the analysis based on ad-hoc data collection developed after the UK Brexit final decision.

While the focus is 2019, some general considerations on the impact of COVID-19 on the retail investment market are also presented. Given the extent of the crisis, some preliminary considerations are drawn as the length and depth of the crisis raises a number of issues with regard to the costs and performance of retail investment products. Beyond possible illiquidity risks, market shocks have indeed impacted returns and in the longer terms costs.



31 JANUARY 2023
Cost and past performance report 2021.pdf
(1.75 MB - PDF)