ANDREW BROWN   Much has been written about the disruptive changes that are continually assailing organisations and markets. Organisations that have been unable to adapt appropriately are being ...DTCC *   The past several years have been characterised by a worldwide economic expansion that is broadly synchronised between the U.S., Europe and Asia. In 2017, the global economy grew ...

TOBY GOODWORTH   Derivatives-based overlay strategies to protect against equity losses have become increasingly popular through the past twelve months among pension funds, endowments and other ...TOH SHAOWEI   Even though much has already been spoken about the coming Asia Pacific (APAC) growth era, the investment universe is still caught in a tug-of-war between the familiar comforts ...

LINDA BRUCE   Personal insurance policies, such as death, total & permanent disability (TPD) and income protection insurance, are often held within super. In fact, more than 70 per cent of personal ...EMMA RAPAPORT   On Monday March 7, 2016, the Australian life insurance sector changed forever. With his back to camera, former CommInsure chief medical officer turned whistleblower, Dr Benjamin ...

SHAUN MCKENNA   Part one: From angst to advantage Today's superannuation funds are at risk of losing control of their futures through regulation, through acquisition and, in the longer term ...ROSS ISRAEL   Each generation appears to think that changes experienced in their time are the most dramatic in history. Everything is said to be "bigger, faster, best/worst, unprecedented" and ...

GOPINATH KARUNAKARAN   We have been in a period where financial market volatility has been abnormally low and as such, the focus in fixed income has become overly skewed to how much interest income can ...DAVID ORFORD   The risk of financial advisers using the Australian life tables (ALT) to help clients prepare for retirement will lead to Australians facing ongoing challenges as they increasingly ...

CHRISTIAN PAKPAHAN   This article covers the main ways a person becomes a disqualified person, the consequences of disqualification and the options available to those who are disqualified. (We refer ...DANIEL BUTLER   The new law pertaining to 'ipso facto' clauses came into operation on 1 July 2018. This article highlights the relevance of the new law for SMSFs. Note that the law in ...

GUY MCKANNA   There is a range of trends, themes and issues that our industry will need to address this year. Improving environment, but increasing challenges The majority of respondents expect ...DOUG MCBIRNIE   Life expectancy is a statistical indication of how long a person may live as opposed to an estimate of how long they will live. It is typically based on their year of birth, current ...