Description: Many experts tout the benefits of index investing, but history tells us that when enough investors do the same thing it tends to end badly. Stay tuned!

Description: The goal of this paper is to examine similarities between value investing and enterprise risk management (ERM) methods.

Description: The goal of this paper is to examine similarities between value investing and enterprise risk management (ERM) methods.

Description: The recent financial crisis created incentives to review investment practices and see what was done well and what could be improved for the future. Looking inward at insurer investment practices, background trend information was generated and a survey developed for insurers to share their thoughts. The research continued with conversations in private and public forums, where initial conclusions were expanded.

Description: Summary of research project designed to document method to credit interest rates to account value based products. The investment year method (IYM) can theoretically align with investment strategy and be fair to policyholders. These products were designed in the 1980s with guaranteed nominal rates above what is currently accessible so most products credit the guaranteed rate. This paper documents how it could be resurrected during the next interest rate cycle.

Description: Study of the Effect of a Flu Pandemic on Economic Values Using the Delphi Method

Description: This report introduces actuaries and risk managers in the insurance and pension industries to current literature discussing growth rates in the past and future expectations.

Description: Research report describing the results of an Emerging Risks Survey conducted in 2010. This survey attempts to track the thoughts of risk managers about emerging risks across time. The new top five are: 1. Fall in value of US Dollar. 2. International terrorism. 3. Chinese economic hard landing. 4. Oil price shock. 5. Failed and failing states.

Description: This research report explores investment year methodology to set renewal credited rates. There is an accompanying Excel workbook created as a teaching aide.

Description: To be financially "well" is unique to an individual. Following a hierarchy of needs is key, along with saving more than the talking heads tell you to.