Thoughts
Recent posts, articles, and reflections on actuarial science, technology, and financial services.
Targeted Superannuation Prompts and the s950A Generality Limit
Treasury's announcement confirms targeted superannuation prompts are proceeding. Most commentary has landed on the generality limit, but the March 2025 exposure draft applies it to products a member doesn't hold – which raises a question about IRIS accumulation options a member already has enabled.
Some Personal News: Wrapping Up My Time in Consulting
After 18 years across superannuation, life insurance and professional services, most recently as a Partner at Deloitte, I've wrapped up my time in consulting – parental leave first, then back to retirement and superannuation from the inside.
That Super Show: Measuring Retirement Outcomes
Joining Sarah Penn and Neil Benson on That Super Show to discuss Treasury's best practice principles – why measurement has to be evidence-based, where cohorting runs into data limits, and what it would take to shift drawdown behaviour.
Keating's Centrelink Merger: The Missing Delivery Mechanism
Why Paul Keating's call to merge Centrelink functions into super funds is the delivery mechanism the Retirement Paycheck has always been missing – and what integrating the Age Pension would unlock for retirement estimates.
The Price of a Service Will Always Converge to the Cost of Delivery
Why the price of any service converges toward its cost of delivery – and what this means for professionals in an era where AI has dramatically reduced that cost for a vast range of knowledge work.