Women & pensions · Module 15

Why women get
a lower pension

On average, women's pensions come out noticeably lower – for several reasons.

♀

Understand the causes

Cause 1

Part-time & breaks

Part-timefewer contributions

Career breaksfor family and care

Resultlower pension in old age

Cause 2

Lower wageson average

Pensionmeasured on the wage

Over the yearsit adds up strongly

Cause 3

Entry thresholdinsured only above a minimum wage

Coordination deductionshrinks the insured wage

Small jobsoften fall through the cracks

Cause 4

Cohabitationno AHV widow's/widower's pension – pension fund benefits per its rules

Divorcesettlement often too small

Stepped backespecially affected

Good to know

💡 First step: The women's pension gap has clear causes – and equally clear levers. The earlier you start, the more you can catch up.

This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg