European Commission and Directorate-General for Financial Stability, Financial Services and Capital Markets Union 20 November 2025, COMMISSION STAFF WORKING DOCUMENT Accompanying the document COMMUNICATION FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT, THE EUROPEAN COUNCIL, THE COUNCIL, THE EUROPEAN CENTRAL BANK, THE EUROPEAN ECONOMIC AND SOCIAL COMMITTEE AND THE COMMITTEE OF THE REGIONS Enhancing the capacity of the EU supplementary pension sector to improve retirement income and supply long-term capital to the EU economy

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