Women & pensions · Module 15

The gap is
not fate

With the right levers the pension gap can be closed deliberately.

♀
Catch up yourself
Lever 1

Max out pillar 3a

Pillar 3amax out yearly
Tax-privilegedyear after year
Even part-timefully usable
Lever 2

Strengthen the pension fund

Buy-insclose gaps, save tax
Fund choicecheck when changing jobs
Coordination deductionas low as possible
Lever 3

Work and workload

Workloadraise if possible
Breakskeep short
Pay riseraise provision too
Lever 4

Share fairly as a couple

Stepping backnot at your own expense
Partner's 3aco-finance – only possible with own AHV-liable earned income
Share fairlyprovide together
Good to know

Are you using your levers?

💡 First step: The women's pension gap can be influenced – with pillar 3a, the pension fund and a fair split as a couple you catch up deliberately.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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