c-alm AG

c-alm AG Spirit & Team

c-alm AG stands for innovative, academically sound, yet practice-oriented solutions in the pension, investment, and insurance sectors. Challenging issues are our passion. Mastering them and communicating them clearly to our clients is our specialty. We are transparent, open, direct, solution-oriented, and completely independent in our work.

c-alm AG employs a highly qualified team of around 55 economists, statisticians, business economists, IT specialists, lawyers, and university students. Of these, seven are federally certified pension fund experts and six are actuaries (SAV). c-alm AG's offices are located in Zurich and St. Gallen.

c-alm AG Services:

Asset-Liability Management (ALM)

We are pioneers of dynamic ALM studies and have the necessary precision and flexibility from 14 years of experience with over 200 pension funds. We offer:

• Deterministic and stochastic projections
• Top-level risk management
• Proprietary AUGUR database with long-term return and risk forecasts
• Restructuring and investment strategies
• ALM peer grouping (database with 215 data points)
• Stringent, normative strategy concept
• Binding strategic investment beliefs

Expert services and actuarial services

As pension fund experts, we are perfectionists, but we also think outside the box when it comes to innovative solutions. c-alm AG has more than 40 years of cumulative experience as pension fund experts. We offer:

• Valuation of pension obligations according to Swiss accounting principles (FER 26)
• Actuarial reports (including conclusive profit/loss analysis)
• Drafting and auditing of regulations
• Reinsurance consulting
• Partial liquidation
• New foundations
• Training for foundation boards
• Legal expertise in the areas of BVG and pensions

Investment consulting & controlling services

With our in-depth expertise across all stages of investment activity, we support and complement committees and managers at pension funds, grant-making foundations, NPOs, and other institutional investors. We offer:

• Independent assessment of investment strategies
• Optimization of investment organization and implementation
• Manager searches in liquid segments
• Web platform-supported product evaluation and monitoring for unlisted collective investments
• Best practice implementations for direct real estate and mortgages
• Investment monitoring and controlling
• Sustainability design and implementation

Software applications

Our specialist expertise in the investment, insurance, and pension provision sectors forms the basis of our innovative and customized application solutions. We offer:

• Modern websites and web portals for pension funds
• Web portals for insured persons, pensioners, employers, and brokers
• Online portal for our investment controlling clients
• pensionpeers comparison tool for BVG foundations
• Da Vinci BVG application for consulting and sales in BVG collective investment schemes

International accounting and valuation (IFRS/US GAAP)

We are a sought-after provider for annual valuations or as part of M&A projects. We are fast, efficient, and speak the language of international companies. We offer:

• Valuation of pension obligations according to IAS 19 and US GAAP
• Preparation of reports and expert opinions
• Training and consulting for clients. We also offer our services as a responsible actuary for insurance companies.

Continuing Education and Research

To enable managers in occupational pensions to act with foresight rather than simply react to current developments, we offer flexible and innovative continuing education programs. c-alm AG has also co-developed the CAS "Occupational Pensions" program at the University of St. Gallen and the MAS "Pension Fund Management" program at the Lucerne University of Applied Sciences and Arts, and co-founded the OSBA platform for the training of foundation board members. Our employees also make valuable contributions to the development of occupational pensions with publications on all topics related to occupational pensions.