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.
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.
Building ESG Frameworks Fit for African Institutional Markets
Global ESG frameworks were not designed with African market realities in mind. We examine how institutions can adapt international standards to local regulatory, data, and investment contexts.
IAS 19 Pension Scheme Valuations: A Corporate Finance Perspective
For corporate sponsors, defined benefit pension obligations carry significant balance sheet risk. This piece outlines how IAS 19 valuations interact with broader financial reporting and decision-making.
Data Quality and the Actuarial Estimate: Why It Matters More Than the Model
Technical models are only as reliable as the data behind them. We explore how rigorous data governance reduces uncertainty and strengthens actuarial outputs for regulated institutions.
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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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