The POME method
A clear, structured, results-driven approach to optimising your occupational pension.
The POME method provides a rigorous framework for comparing, assessing and transforming your pension fund. It combines financial analysis, strategic evaluation and hands-on guidance to help you unlock the full potential of your occupational pension.
Potential
Define your potential
The first step is to identify the untapped levers in your pension.
We analyse the structure of your current plan to establish whether it is flexible enough to accommodate new investments or open up new asset classes (real estate, infrastructure, private equity, private debt and so on).
Each additional investment opportunity can strengthen long-term performance and make your returns more dependable.
Every franc contributed counts: on an insured salary of CHF 64'260*, a gap in quality can mean as much as CHF 350'000 at retirement.
What isn't accumulated is lost. Find out how much your plan could actually generate.
Objective
Define your priorities and expectations
Before optimising, you need to know where you want to go. We help you clarify your objectives by working through the key questions:
- Do you favour maximum security or optimised returns?
- Are you considering early retirement, or do you want to maximise your pension?
- Do you want your values reflected through ESG criteria?
- How much flexibility do you want for buy-ins and withdrawals?
Well-defined objectives are the foundation of a coherent, personalised strategy.
Clear objectives lead to informed decisions.
Measure
Verify real-world performance
The third step compares theory with reality.
We measure your portfolio's historical performance and compare it with what it should have delivered, given your strategy and market conditions.
Drawing on our databases and the MESI index, we assess whether the strategy has been implemented as it was designed.
This review reveals performance gaps, hidden costs and opportunities for lasting improvement.
Measure the actual efficiency of your pension, not just its regulatory compliance.
Evolve
Take action and regain control
Analysis is only valuable if it leads to concrete action.
We help you select better-suited solutions and put high-performing, durable structures in place.
In particular, we encourage companies to take back ownership of their occupational pension and turn it into a genuine lever for performance and employee retention.
Grow what you have built. Take action.
* Median insured salary: Swiss median salary (CHF 90'720) minus the coordination deduction (CHF 26'460).
Ready to unlock the potential of your pension?
Start by assessing your current situation with our questionnaire, or contact us for a personalised review.