Pension Governance

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Will the Fund Last? Social Security Sustainability in the Caribbean

June 24, 2026by Dr Dawkins Brown

Almost every Caribbean territory runs a national social security scheme, and almost all face the same arithmetic: an ageing population, a shrinking contributor base, and benefits that will one day outrun the money coming in. The actuary’s task is to say when — and what it would take to change the answer. Nearly every...

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The Liability on Your Balance Sheet You May Be Underestimating

June 24, 2026by Dr Dawkins Brown

Beyond pensions, IAS 19 captures gratuities, long-service awards, post-retirement medical cover and accumulated leave. Unfunded and long-dated, these obligations are routinely under-provided — until an actuary measures them properly. Most boards know there is a number on their balance sheet for the pension plan. Far fewer are confident about the other employee-benefit obligations sitting beside...

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De-Risking the Pension Promise Before It De-Rails the Balance Sheet

June 24, 2026by Dr Dawkins Brown

A defined-benefit pension can be the largest financial risk an organisation carries — quiet for years, then suddenly decisive. De-risking is how a board takes control before circumstances do. A defined-benefit pension is one of the longest promises an organisation can make. It commits an employer, often decades in advance, to pay a member...

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From Compliance to Competitive Edge: The Five Stages of Actuarial Value

June 22, 2026by Dr Dawkins Brown

Every organisation that carries financial risk sits somewhere on a five-stage continuum — usually without having chosen its position. Knowing where you are, and what it would take to climb, is the first strategic decision a board should make. There is a tendency, in boardrooms and management teams alike, to think of actuarial...

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Provisions Are Predictions: Why Caribbean Boards Must Govern Reserves Before the Audit

May 30, 2026by Dr Dawkins Brown

This is the third of four papers in The Caribbean Actuarial Imperative, an editorial series from Dawgen Global — an independent, integrated, multidisciplinary professional services firm spanning eleven service disciplines across more than fifteen Caribbean territories. The first paper introduced the Long‑Horizon Test for identifying the board decisions whose financial consequences extend beyond the quarterly...

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Every Valuation Is an Argument: Pension Valuation Governance for Caribbean Trustees

May 30, 2026by Dr Dawkins Brown

When a Caribbean trustee approves a pension valuation, they are not approving a fact. They are endorsing a chain of assumptions reached by someone else — and the governance question that matters is whether the board has seen the argument, or only the conclusion. This is the second of four papers in The...

The Liability on Your Balance Sheet You May Be Underestimating

From Compliance to Competitive Edge: The Five Stages of Actuarial Value

Provisions Are Predictions: Why Caribbean Boards Must Govern Reserves Before the Audit

July 14, 2026The Umbrella Fund Reimagined: SACs and the Future of Collective Investment Schemes in Jamaica

July 14, 2026When One Account Fails: Receivership, Solvency and the Genius of Contained Collapse

July 13, 2026Directors Beware: Personal Liability and the Disclosure Discipline Every SAC Board Must Master

July 13, 2026The Governing Instrument: Where SAC Protection Is Won or Lost

July 13, 2026The Gateway: Regulators, Consents and the Path to SAC Registration in Jamaica

Where to find us?

Dawgen Social links

Where to find us?

Dawgen Social links