Thinking from our practice.
Technical perspectives, market commentary, and advisory notes from the Niloyd Associates team - covering actuarial standards, investment governance, sustainable finance, and data.
ESG and Sustainability Reporting for SACCOs and Pension Schemes
The voluntary phase has passed. With mandatory IFRS S1 and S2 reporting beginning January 2027, SACCOs and pension schemes need a credible, well-governed sustainability story - built on time, without disrupting core reporting.
Should You Be Saving for Medical Costs Too?
Post-retirement medical fund contributions just grew 646.9% in a year. Here's what that means for your own retirement plan.
Saving Beyond the Pension
Post-Retirement Medical Fund contributions grew 646.9% in a single year. What's driving the surge - and what it means for schemes, sponsors and members.
The Adequacy Gap
Why saving more won't guarantee a secure retirement - and what trustees, insurers and regulators can do about it.
The Future of Sovereign Wealth and Risk Governance in Africa
As African economies grow, sovereign wealth funds and national investment structures are becoming central to how governments preserve national wealth, stabilise economies and invest in future generations.
The Quiet Work That Makes Great Actuarial Advice Possible
When people picture actuarial consulting they see the outputs - valuations, reserving reports, risk assessments. What they see less often is the quiet, disciplined work that makes those outputs trustworthy.
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In-depth thinking across our practice areas.
Our team publishes analysis on actuarial standards, pension governance, sustainable finance, and data - grounded in the technical and regulatory realities of the markets we serve.
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