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Recent content by Kuzey

  1. K

    Will NASA Kill a Pair of Critical Climate Satellites?

    The Trump administration has proposed cutting funding for the satellites, which are in good working order and provide some of the best data on carbon dioxide concentrations in the atmosphere. By Nicholas Kusnetz As Congress returns to session this month, the fate of two satellites that have...
  2. K

    Removing consultation from major infrastructure planning is undemocratic

    This post is by Maria Lee, professor of law at UCL. Much concerned and angry attention has, quite rightly, been paid to Part 3 of the Planning and Infrastructure Bill, for what the Office for Environmental Protection (OEP) soberly refers to as its “proposed reductions […]
  3. K

    The spending review: much-needed investment, but there’s more to be done

    The spending review underlined the difficult spot the government is in. Growth is low and public finances are under strain. Reform is snapping at the government’s heels in its political heartlands. Public services and net zero urgently need more investment. To square various circles, there […]
  4. K

    Will Scotland become the first UK nation to criminalise ecocide?

    This post is by Jodie Bettis, a Grand Union Scholar at the Open University. Ecocide broadly refers to severe damage to or loss of ecosystems, and in response to the ecological emergency, campaigners worldwide are seeking to criminalise the most environmentally destructive acts. More and […]
  5. K

    Why nature must be made visible in decision making

    Too often, nature is treated as a constraint to development. The prime minister’s comments earlier this year about the impact of bat conservation on the completion of HS2, sparked frustration within the conservation community, as this unhelpfully framed nature as being in conflict with economic […]
  6. K

    The UK needs to strengthen, not rollback, its environmental protections

    Across the world, governance systems that protect precious environments and people are being dismantled. This may feel a far cry from the cut and thrust of domestic politics, but there are already signs that some parties want to replicate or even supercharge such moves here. […]
  7. K

    Retirement Strategy Group

    In August 2021, the Actuaries Institute published its Public Policy Statement on “Securing Adequate Retirement Incomes for an Ageing Australia.” Since then, there have been several important developments, including: The Retirement Income Covenant (RIC) came into effect on 1 July 2022, which...
  8. K

    Public Policy & Practice Excellence in 2022

    The Institute’s public policy presence has been strong through 2022, with major publications being very timely and the stream of submissions to government, regulator and independent agency consultations being high. A snapshot attests: 9 major papers published Revised Disability Insurance...
  9. K

    Investment risk in retirement and the Annual Performance Test

    Addressing investment risk is a vital part of the design of post-retirement products. The question of how to measure it has been addressed by the Australian Government Actuary (AGA) who has looked at the probabilities of falling short of a target. This approach requires a method to simulate...
  10. K

    Can actuaries help solve the retirement advice gap?

    Using superannuation to replace your salary when you retire is not easy under a ‘lump sum’ retirement system. Spend too much and your savings will run out. Spend too little and you’ll forfeit the lifestyle you’ve worked hard to achieve. The balance needs to be ‘just right’ and include techniques...
  11. K

    Actuaries contribute to the work of the Disability Royal Commission

    Systemic failures and maltreatment experienced by people with a disability in Australia is estimated at $46 billion annually or $9,600 on average per person with a disability. These are among the key findings of recently published research undertaken by Taylor Fry in collaboration with The...
  12. K

    Fixing Financial Advice

    Most people are financially illiterate. Not because they are stupid, but rather because insurance, investment and superannuation are all unnecessarily complex and the guidance consumers need to navigate these uncertain areas is largely unavailable – with legislative barriers being a significant...
  13. K

    Balancing retirement assistance and Member Best Financial Interest Duty

    Retirement is a highly emotive, often stressful transition that involves a set of lifestyle choices, many of which have a financial dimension. Australia’s superannuation system serves as a critical pillar for ensuring financial security during retirement. Superannuation funds have a recently...
  14. K

    Transitioning from Retirement Villages to Aged Care: A Financial Tightrope for Older Australians

    In a nation where age-friendly accommodations are gaining popularity, Australian adults are increasingly drawn to retirement villages. Buys et al. (2006)[1] showed that community living arrangements, such as retirement villages, offer greater freedom and choice, leading to increased face-to-face...
  15. K

    Life Annuities and Legacy Products

    Legacy products are those that are no longer sold but are costly to administer and can offer poor value to customers who may be stuck in them. I am currently working on an UNSW research project on why lifetime annuities are not being sold. While interviewing a group of experts, the recurring...
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