ALM Pillar 3 — Hedging as Strategy, Not After thought
Derivatives are not just risk mitigants. Used well, they are a tool for portfolio construction, capital efficiency, and sustainable product economics.
The ALM Strategy — Why Insurers in Asia Get This Wrong
An ALM Strategy is not an ALM policy. It is the guiding document that ranks valuation bases and aligns the organisation around how the balance sheet is managed.
ALM Pillar 1 — Pricing Risk Right From Day One
Why ALM must be embedded at the product development stage — and what insurers lose when it isn't.
The ALM Control Cycle — A Four-Pillar Framework
An integrated framework for insurers and financial firms to embed disciplined ALM across pricing, investment, hedging, and reporting.
ALM Is Not What Most People Think It Is
Why the Society of Actuaries' definition of Asset-Liability Management matters — and why firms that treat ALM as a cash-flow matching exercise are leaving value on the table.