Select Publications


Asher A, 2015, Working Ethically in Finance: Clarifying Our Vocation, Business Expert Press, New York,

Book Chapters

Asher A; De Ravin J, 2020, 'The Age Pension Means Tests: Contorting Australian Retirement', in Muenstermann I (ed.), Who Wants to Retire and Who Can Afford to Retire?, Intech,

Asher A, 2013, 'The Financial Management of Life Insurance (Revised)', in In WICKENS The Law of Life Insurance in Australia., Thomson Lawbooks,

Asher A, 2008, 'Conflicted super structures: Are Australian investors being short-changed?', in Pension Fund Governance: A Global Perspective on Financial Regulation, pp. 61 - 96

Asher A, 2007, 'Smoothing investment returns', in Retirement Provision in Scary Markets, pp. 145 - 160,

Asher A, 2006, 'Pensions in Africa', in The Oxford Handbook of Pensions and Retirement Income,

Journal articles

Gerrans P; Asher A; Earl JK, 2022, 'Cognitive functioning, financial literacy, and judgment in older age', Accounting and Finance, vol. 62, pp. 1637 - 1674,

Bruhn A; Asher A, 2021, 'The primacy of ethics in the provision of financial advice', Accounting and Finance, vol. 61, pp. 3305 - 3327,

Asher A; Wilcox T, 2021, 'Virtue and Risk Culture in Finance', Journal of Business Ethics,

Taylor S; Asher A; Tarr J-A, 2017, 'Accountability in Regulatory Reform: Australia’s Superannuation Industry Paradox', Federal Law Review, vol. 45, pp. 257 - 289,

Asher A; Meyricke R; Thorp S; Wu S, 2017, 'Age pensioner decumulation: Responses to incentives, uncertainty and family need', Australian Journal of Management, vol. 4, pp. 583 - 607,

Kenny DT; Asher A, 2017, 'Gender differences in mortality and morbidity patterns in popular musicians across the lifespan', Medical Problems of Performing Artists, vol. 32, pp. 13 - 19,

Asher A, 2017, 'Explicitly incorporating virtues into actuarial education', Annals of Actuarial Science, vol. 11, pp. 253 - 285,

Taylor SM; Tarr J; Asher A, 2016, 'Australia’s flawed Regulatory Impact Statement (RIS) process', Australian Business Law Review, vol. 44, pp. 361 - 376,

Asher A, 2016, 'The justice of Australian tax and redistribution in 2016', St Mark's Review: a journal of Christian thought and opinion, pp. 28 - 43,;dn=193576382627037;res=IELAPA

Kenny DT; Asher A, 2016, 'Life expectancy and cause of death in popular musicians: Is the popular musician lifestyle the road to ruin?', Medical Problems of Performing Artists, vol. 31, pp. 37 - 44,

Earl JK; Gerrans P; Asher A; Woodside J, 2015, 'Financial literacy, financial judgement, and retirement self-efficacy of older trustees of self-managed superannuation funds', Australian Journal of Management, vol. 40, pp. 435 - 458,

Asher A, 2015, 'Retirement incomes–issues and next steps', Australian Journal of Actuarial Practice, pp. 93 - 97,

Asher A, 2014, 'Factors behind the administrative fees of private pension systems: an international analysis*', JOURNAL OF PENSION ECONOMICS & FINANCE, vol. 13, pp. 113 - 116,

Asher A, 2014, 'Redistribution and capital market impacts of social security retirement systems: principles and scope for actuarial involvement', The Australian Journal of Actuarial Practice, vol. 2, pp. 13 - 20,

Asher A, 2011, 'Equity in Retirement: Are All Australians Getting a Fair Deal?', Economic and Labour Relations Review, vol. 22, pp. 65 - 84,

Asher A, 2011, 'Salary Linked Home Finance: Reducing interest rate, inflation and idiosyncratic salary risks', Australian Actuarial Journal, vol. 17, pp. 117 - 148,

Conference Papers

Asher A; Fergusson K, 2021, 'Maturity Transformation is an Oxymoron: Ways to Match Pensions and Long-term Assets', Virtual, presented at GFC 2021, Virtual, 27 May 2021 - 28 May 2021,

Asher A, 2019, 'Greed: an interdisciplinary mind-map', Sydney, presented at Actuaries Institute summit, Sydney, 03 June 2019,

Asher A; Wilcox T, 2018, 'Virtue Ethics, Risk and Finance', Chicago, USA, presented at Society for Business Ethics, Chicago, USA, 10 August 2018 - 12 August 2018

Asher A; Roberts S; Khemka G, 2017, 'Enhancing Wellbeing in Retirement: Addressing Negative Shocks', in Enhancing Wellbeing in Retirement: Addressing Negative Shocks, 25th Annual Colloquium of Superannuation Researchers, Sydney, pp. 1 - 31, presented at 25th Annual Colloquium of Superannuation Researchers, Sydney, 06 July 2017 - 07 July 2017

Asher A, 2016, 'Lifecycle planning: towards a better financial calculator.', in Lifecycle planning: towards a better financial calculator., 24th Annual Colloquium of Superannuation Researchers,, Sydney, pp. 1 - 20, presented at 24th Annual Colloquium of Superannuation Researchers,, Sydney, 04 July 2016 - 05 July 2016

Asher A; Wilcox T, 2015, 'Virtue and risk culture in finance', in On webpage, IAA Colloquium, Sydney, presented at IAA Colloquium, Sydney, 23 August 2015 - 27 August 2015,

Asher A; Butt A; Khemka G; Kayande U, 2015, 'Formulating appropriate utility functions and personal financial plans', in On website, IAA Colloquium: PBSS, LIFE and IACA, OSLO, Norway, presented at IAA Colloquium: PBSS, LIFE and IACA, OSLO, Norway, 08 June 2015 - 10 June 2015,

Taylor S; Asher A; Tarr J, 2015, 'Sharpening Regulation in the Australian Superannuation Industry to Ensure Compatibility of Public and Private Objectives', Melbourne, presented at 7th Conference on Financial Markets and Corporate Governance, Melbourne, 15 March 2015 - 16 March 2015,

Asher A; Taylor S, 2013, 'Regulatory Capture and Overload in the Australian Superannuation Industry over the Last Decade: Trustees’ Views and a Cost/Benefit Analysis', sydney, presented at 21st Annual Colloquium of Superannuation Researchers, sydney, 09 July 2013 - 10 July 2013

Asher A; and other members of the retirement incomes working group , 2013, 'Post retirement funding in Australia', in Traverso, L (ed.), Post retirement funding in Australia, Actuaries Summit, sydney, presented at Actuaries Summit, sydney, 20 May 2013 - 21 May 2013

Conference Presentations

Asher A, 2012, 'The lifetime harvesting plan: smoothed annuities with sharing of mortality, and averaging of investment', presented at Actuaries Institute Financial Services Forum, Melbourne, 30 April 2012,


Asher A; Retirement Income Working Group AI, 2020, Developing the Retirement Income Framework, Actuaries Institute, Sydney,

Asher A; Knox D; Rice M, 2019, Options for an Improved and Integrated System of Retirement, Actuaries Institute, Sydney,

Asher A, 2018, Submission to Financial Services Royal Commission, Module 5,

Asher A, 2018, Submission to Productivity Commission: Draft Report: Superannuation: Assessing Efficiency and Competitiveness (May 2018),

Asher A; Rajadurai E, 2018, Investing Superannuation for the Public Good: Creating new markets to benefit members & fund necessary investments, The McKell Institute, Sydney,

Asher A, 2017, Submission to Department of Social Services Discussion Paper: Social security means testing of retirement streams.,

Working Papers

Asher A, 2021, Supply Side Resistance to Lifetime Annuities, SSRN,,

Asher A, 2014, Developing a Harvesting Plan: Optimising Retirement Spending in the Face of Economic, Social and Personal Risk, http://dx.doi.org

Asher A, 2013, Developing Actuarial Judgement,,

Asher A; Earle JK; Gerrans P; Asher A, 2013, Investigating the Influence of Cognitive Decline on the Quality of Financial Decision-Making in Older Adults: The Case of Self-Managed Superannuation Funds, SSRN Working papers, http://dx.doi.org

Asher A, 2006, Means Tests: an evaluation of the justice of imposing high rates of clawback on those of modest means, http://dx.doi.org


Asher A, 2019, Why overconfidence creates reckless CEOs,

Lorkin J; Asher ANTHONY, 2015, Maintaining integrity: Anthony Asher on an ethical life in finance - BusinessThink,

Submissions to Government

Asher A; Asher R; Nicholls R; Hsu G, 2021, Submission on Strategies for developing the Digital Economy,


Asher A; Donald S, 2020, Consultation paper: Retirement income review,

Asher A, 2018, Written Submission by Anthony Asher in response to policy-related issues raised in the MODULE 6: INSURANCE POLICY QUESTIONS,

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