Thoughts
Recent posts, articles, and reflections on actuarial science, technology, and financial services.
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.
APRA's Retirement Reporting Framework Consultation
Mapping APRA's new Retirement Reporting Framework consultation – from Government Design Specifications through to proposed SRS amendments (607.0 and new 611.1) – and why the deliberate separation of indicator and metric pathways represents a very different reporting burden for less advanced funds.
APRA Super Data & the Importance of Distribution Channels in Retirement Planning
How APRA super data highlights the role of distribution channels in driving pre-retiree movement, and why clear communication of lifetime income streams and Age Pension interactions is critical.
The Retirement Paycheck: Orchestrating Multiple Income Streams
Introducing the concept of a streamlined retirement paycheck and the importance of orchestrating multiple retirement income streams, including the Age Pension.
Retirement Income Covenant Pulse Check: Reasons to Be Positive
Unpacking the latest APRA and ASIC Retirement Income Covenant pulse check, highlighting Moneysmart updates, Best Practice Principles, the Reporting Framework, and DBFO Tranche 2b.