Women & pensions · Module 15

Part-time –
and the pension fund?

Whoever works part-time often loses disproportionately in the second pillar.

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The part-time trap

Problem 1

The coordination deduction

Coordination deductionfixed, regardless of workload

Part-timeeats up proportionally more

Insuredonly the small rest

Problem 2

Minimum wage22,680 francs (2026)

Below itno second pillar

Several jobseach too low

The solution

Better fundlower threshold possible

Coordination deductionpartly reduced

Pool jobsvia the substitute institution

Balance it yourself

Pillar 3afull even part-time

Tax-privilegedyear after year

Important leveragainst the gap

Good to know

💡 First step: Part-time needn't be a pension trap – with the right fund, clever combination and pillar 3a you get a lot back.

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