Ready for retirement? Ladies, now is the time.

Many women reduce their working hours for decades for their family. This results in larger gaps in retirement provision, leading to financial problems later on. Most women are not even aware of this. Female readers, now is the time to take care of your pension. Read on for essential information, valuable tips and offers tailored to you.

Saving for retirement is still seen as a matter for men in many families. The fact is, women are less interested in savings products and risk cover. This is in spite of the fact that they, the ones who take a step back professionally for their family, should start saving early. After all, during an extended baby break, there is no money to put into a pension fund. The same applies to part-time workers who do not reach the minimum pension fund salary of roughly CHF 21,510 a year.


At the same time, lots of young families ease the demands on their budget by stopping payments into women’s pillar 3a or drawing 3a funds early, to buy their own home, for example. This sees reserves for old age dwindle more and more.


Your husband has money set aside for retirement. What about you?

The result: many women have very little to live off in their own pension fund once they reach old age. They are worse off in retirement – but, statistically speaking, they have a higher life expectancy. These issues seem a long way off if you are a woman in the prime of your life, and feel relatively secure with a husband, family and part-time job. But marriage is no substitute for saving for retirement. After a divorce or the death of your partner, your situation can change in the blink of an eye.


What you need in your situation

The reasons women are faced with pension gaps are often the same. However, there is no one-size-fits-all solution to the problem. How do you start saving early? What types of insurance are the most important in the event of an emergency?

Which of these profiles sounds most like you?


The following five profiles show women in different professional and private life circumstances. Pick the one that most closely resembles your own situation. Each one has individual tips and product suggestions from our pension professionals.

What is your situation?

What is your personal situation? Find out with our pension calculator.