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Thinking from our practice.

Perspectives, technical analysis, and market commentary from the Niloyd Associates team - covering actuarial standards, investment governance, sustainable finance, and data.

Saving Beyond the Pension

Retirement Benefits · Insight

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.

Post-Retirement Medical Funds (PRMF)Healthcare cost planning in retirementCircular No. 9/2024 policy impact

Retirement Benefits · Quick Read

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.

  • Post-Retirement Medical Funds (PRMF)
  • Retirement healthcare costs
  • Tax-efficient medical savings
Should You Be Saving for Medical Costs Too?

Actuarial · Reporting

IFRS 17: What Kenya's Insurance Market Needs to Know

A practical overview of how IFRS 17 reshapes actuarial modelling, disclosure requirements, and capital reporting for life and non-life insurers operating across East Africa.

  • Contractual Service Margin modelling
  • Transition approach selection
  • Disclosure & financial statement impact
  • Systems and data readiness
IFRS 17: What Kenya's Insurance Market Needs to Know
Investment Governance for Pension Trustees: Setting Policy That Works

Pension · Governance

Investment Governance for Pension Trustees: Setting Policy That Works

How retirement scheme trustees can build an investment policy statement that goes beyond compliance - covering ALM principles, manager selection, and monitoring frameworks.

Asset-liability matching principlesInvestment policy statement designManager selection & due diligencePerformance monitoring frameworks

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