I did ACTL2111, ACTL2131, FINS1612 and FINS2624 during my 2nd yr 1st sem. Depending on your expectations I would say the two ACTLs together were indeed challenging but at the same time I felt they were a lot easier than what people say about them. ACTL after the first year rewards you very well if you understand the content comparing with first year and how rote learnable it is, which is probably why many may struggle since they are comparing the rote learning nature of first year. I will admit I am not naturally as talented as many other actuarial students but I can tell you that achieving distinctions for both ACTLs was very easy even with cramming so I don't know how others struggle considering actuarial students aren't dropkicks but rather more talented than other students. However, ACTL subjects after your first year build on from week 1 compared with ACTL1101 which was broken into different topics so you really need to pace yourself.
In terms of the other two courses, it is clear that FINS has generally been dumbed down considering when I did FINS2624 only 10% achieved HD compared to 20% this year but I wouldn't stress too much with the other two courses you'll be completing with the two ACTLs. ECON2206 is like the younger cousin version of ACTL2131 however doing two heavy stat courses may not be pleasant. Overall, you will mostly spend more time on ACTLs than your other courses considering how much more work you need to put in for ACTL compared to laughable FINS.
Finally, at the end of the day it is really up to you with how well you want to do and actuarial studies I feel over the last few years rewards you fairly. Other students may tell you things about the courses but do they really indicate how you should tackle the courses? Not really since a top student will always find a way to smash the course, regardless how poorly the course is taught or the course content itself etc. I am sure you will learn a lot from the semester regardless.
