Costs and past performance report 2026

EIOPA's 2026 Costs and Past Performance report provides an overview of the past performance and costs of EU retail investment products within EIOPA's remit for the period 1 January 2020 to 31 December 2024. Participating insurance undertakings were required to submit data via a standardised template, adhering to common principles that varied according to product type. Only products available on the market as of December 31, 2024, were considered for inclusion in the sample.

A total of 175 participating undertakings which account for more than 60% of the unit-linked and profit participation premium in the European Economic Area (EEA) participated in the exercise. These undertakings reported a sample of 5,906 products covering the most sold, most expensive and the cheapest products in their portfolios as well as different recommended holding periods, risks, and underlying assets to ensure a representative picture of the market.