Short-time work and lower wages represent a risk for personal retirement. Careful planning is important.
The two pillars AHV and Pensionskassen should guarantee after the pension in fact 60% of the previous income. Does the system shake. Pension income may already be much lower today. Who does not put a capital hole out of the third pillar, has to adjust its standard of living in a considerably negative time. Part of the old people's poverty is also endangered.
A new UBS study suggests that it may be scarce, especially for women in their old age. But not just.
A fictional example of Sandra
Sandra has run her own hairdresser for 30 years. The job is better, sometimes worse. On average, he earns 45,000 francs a year. From this salary, mandatory AHVs contribute as much as they can on the account of their pillar 3a.
When Sandra withdraws, she is expected to receive a pension of 2,980 francs a month. With money she can live in Switzerland worse than law.
Why is the pension so profound, explains Jackie Bauer, author of the UBS study: "Firstly, it's not enough to get this salary to a full AHV. On the other hand, Sandra does not have a pension fund in this example."
Self-employed and pension fund
Self-employed persons can freely pay the pension fund or not. "With this small salary she decided not to do it," Bauer said.
Surely the example is an extreme case, said Bauer. However, according to a study, women generally receive less pensions than men.
The advantage of women at first glance
At first glance, the numbers look positive for women, such as AHV. Since 66% of all deposits come from men. However, only 46 percent of AHV pensions use them. In addition, women usually receive the same rate of conversion of a pension fund as men, although they work less and spend an average of three years longer.
On the other hand, however, it is in a disadvantageous situation
However, all these benefits will not be compensated for lower incomes, because of the interruption of work for children and subsequent retirement pensions, says Jackie Bauer, a prevention expert.
Especially women with special time have far lower pensions, says the study. For example, many affected women do not receive a maximum AHV pension due to loss of earnings, unless they are married to a full-time man.
Working with working time as a problem
According to the Federal Bureau of Statistics, four out of ten women work in a reduced amount. Three of them work under 50 percent. This is much more than in other European countries.
Although men usually work full time in Switzerland, more and more men have reduced their work with cultural changes in raising children. For them, they are essentially the same as for women, says Jackie Bauer.
Low salaries as another obstacle
Whether it's a man or a woman, it will become financially sharper, even if gross wages fall below 85,000 francs. Then the insured will not receive the maximum pension of AHV. At least not if the person is not married and can count on the partner's deposits.
Even with the second pillar, low wages may be a problem, says Bauer: "The second pillar has the challenge of having to overcome only an obstacle of over 20,000 francs, so it is secured in all the capital in the second pillar."
Part-time work keeps women in working life
Although calculating whether a mother's job is financially worthwhile, it can be a cut. After reimbursement of care expenses, there is often a little left over from salary. But short-term review is rarely worth, you need to think about the retired gaps, and Bauer. In addition, the woman remains a long-term working labor market with shorter working hours.