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Blurring lines: how group and retail risk offers continue to converge

  • On 12/06/2014
A dynamic feature of the broader financial services industry is the degree to which competition is opening new frontiers for product innovation and delivery mechanisms. Pricing is also a strong lead indicator of underlying competitive pressures. A good example is risk insurance, a product segment that has traditionally provided a healthy competitive battleground between the […]
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Fees ate my super…or did they?

  • On 29/05/2014
Are Australians paying too much in management fees on their superannuation?   Recent discussion in the media suggests just that. However, some of the publicity is based on inaccurate claims or assertions that a single national fund would be much cheaper than a competitive environment. Let’s look at the facts…   The arrival of no […]
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The gentle art of kite flying and pension reform

  • On 07/05/2014
Intense pre-Budget kite-flying has increased the policy air traffic over Canberra in the past few weeks, creating a few crossed wires, some mid-air political collisions and one or two aborted take-offs. Expect more kites aloft this week as media opinion on controversial changes is tested and as we count down to the formal Budget announcement […]
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Achieving cognitive consonance for women and their super

  • On 26/04/2014
In psychology the concept of cognitive dissonance describes the feeling we humans have when our actions, ideas or beliefs contradict each other. Simply, the level of ‘dissonance’ is a measure of the gap between our expectations and reality. For example, we may experience dissonance when we say we intend to lose weight by watching our […]
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