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25 questions6 evaluation axes

QUALIPENSION Questionnaire

A comprehensive quality assessment of your occupational pension across 6 fundamental axes

⏱️ 5 minutes📊 25 questions🎯 6 evaluation axes

See how the score is calculated

0% complete0/25 questions

🏦 Your pension fund

Select your pension fund from the list below. It covers the members of Interpension and the main Swiss LPP insurers.

🧩 General information (not scored)

Solution type

Company size

Industry

📈

Long-term performance

Weighting: 30%3 questions

P1.Average interest credited on retirement assets (last 5 years)

< 1.0%1.0% - 1.5%1.5% - 2.0%2.0% - 2.5%> 2.5%

P2.Is the investment strategy formalised and aligned with the long-term horizon?

Yes, clearly documentedPartiallyNo / unknown

P3.Do insured members share in surpluses?

Yes, regularlyOccasionallyRarely / never

🛡️

Security & Resilience

Weighting: 15%3 questions

S1.Current coverage ratio

< 100%100% - 105%105% - 110%> 110%

S2.Level of fluctuation reserves

InsufficientBuilding upIn line with targetAbove target

S3.Formal reserve policy

Yes, documentedPartialNo

⚖️

Intergenerational equity

Weighting: 10%3 questions

E1.Conversion rate applied (extra-mandatory portion)

Well above market (> 6%)Slightly above (5.5% - 6%)In line with market (5% - 5.5%)Below market (< 5%)

E2.Is there implicit redistribution from active members to pensioners?

Strong redistributionModerate redistributionLow redistributionNone or corrected

E3.Are corrective or adjustment mechanisms in place?

Yes, formalised in the regulationsPartial or under discussionNo

🏛️

Governance & Transparency

Weighting: 25%8 questions

G1.Pension regulations

Clear and understandableComplex but accessibleHard to understand

G2.Reporting to the committee / employer

Regular and detailed (quarterly)Standard annualMinimal or none

G3.Role of the pension committee in practice

Decision-making, with real influenceAdvisoryFormal only

G4.Transparency on management fees

Full (detailed TER)PartialOpaque

G5.Financial expertise within the governance body

Proven expertise (certifications, experience)Basic knowledgeInsufficient or unknown

G6.Policy on term limits

Yes, formal limitInformal rotationNo limit

G7.Periodic re-tendering of mandates (management, audit)

Yes, every 3-5 yearsOccasionallyNot practised

G8.Transparency on the remuneration of governance body members

Published in the annual reportDisclosed on requestNot disclosed

🔄

Flexibility & Services

Weighting: 10%4 questions

F1.Easy access to voluntary buy-ins

Yes, simple and clear processWith some restrictionsNo or very difficult

F2.Number of investment strategies available

3 or more (broad choice)2 strategiesOnly one strategy

F3.Retirement options (lump sum, pension or a combination)

Full choice (lump sum, pension or a combination)Limited choiceNo choice (pension only)

F4.Online access to personal information

Full portal with simulatorsBasic accessNo online access

💰

Cost efficiency

Weighting: 10%4 questions

C1.Explicit management fees (TER - Total Expense Ratio)

< 0.3% (very competitive)0.3% - 0.5%0.5% - 0.8%0.8% - 1.0%> 1.0%

C2.Estimated implicit costs (trading, spreads, etc.)

Low and documentedModerateHigh or unknown

C3.Perceived value for money

Excellent value for moneyAcceptableHigh cost for limited services

C4.Transaction costs on asset growth

Optimised (negotiated rates, pooling)StandardNot optimised

“Today’s quality is tomorrow’s retirement potential. Measuring quality is the foundation of all progress.”

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