Personal profile


During his time at the Humboldt University of Berlin, Thomas Bernhardt studied model theory and stochastic. He earned his PhD from LSE in stochastic analysis and financial mathematics. Passionate about mathematics and society, he joined Heriot-Watt University and contributed to a project that tries to optimise future pension plans. During the pandemic, he worked at the University of Michigan and aimed to become an established member of the actuarial and financial mathematics community. Nowadays, he works at the University of Manchester as a full-time lecturer in financial mathematics.

Research interests

Stochastics and its connections to Actuarial Science, Financial Mathematics and Statistics. Decumulation and investment strategies for pension funds. Long-term goals include developing new Stochastic tools beyond Itô Calculus.

Media contributions and coverage

Article in THE ACTUARY (May 2021): Staying the course: how pooled annuity funds are proving an attractive alternative

Expertise related to UN Sustainable Development Goals

In 2015, UN member states agreed to 17 global Sustainable Development Goals (SDGs) to end poverty, protect the planet and ensure prosperity for all. This person’s work contributes towards the following SDG(s):

  • SDG 1 - No Poverty
  • SDG 10 - Reduced Inequalities


  • Applied Mathematics
  • Mathematical Finance
  • Optimisation
  • Insurance
  • Pension Funds


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Collaborations and top research areas from the last five years

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