MiFID II and savings

The markets in financial instruments directive (MiFID) is a regulation that appeared in 2008 across European Union, as an effect of the crisis, that increases the transparency across the financial markets and standardizes the regulatory disclosures for particular markets. In 2014 MiFID II appeared on Directive 65/EU and will be applied on the markets starting January 2018 all over European Union. It offers increased transparency especially for derivatives and other over-the counter markets. This paper aims to analyze the new directive and savings/investments in the new context as a part of MiFID II strategy for individuals. Higher regulations and higher understanding of the risk could lead to a higher exposure to the saving part in a portfolio