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Women’s Wealth Compact
How do women invest and how does society invest in women? What progress have women made on the job market? How sustainable is our pension system? Read about the opportunities and challenges we face.
On 3 March 2025, UBS published its latest Gender Lens Report, which analyzes investments for, by and in women, as well as investment opportunities and challenges for women in the four key areas of education, health, financial inclusion and entrepreneurship. The key findings are as follows:
Read our Gender Lens Report to discover the details and other interesting findings.
A generational balance sheet shows how the state distributes its income and expenditure over several generations. It helps to understand whether each generation is being treated fairly and where adjustments are needed to create balance.
A system can be considered sustainable and fair if it works in the long term without changing the rules. The first pillar of the Swiss pension system (OASI), for example, is not sustainable because pensions are not covered by income in the long term.
The OASI funding gap shows how the income and expenditure of pillar 1 relate to Swiss GDP. Only the hidden debts are taken into account. The sustainability gap of the OASI also includes the open debts and assets of the OASI.
Summary of the results:
The OASI significantly improved its benefits in 2024. Over the next few years, we need to focus on how we can finance the pension promises fairly for all generations. There are various ways to do this: raising the retirement age, collecting more taxes and contributions or adjusting the structure of the OASI. But none of these solutions alone will suffice. The OASI currently has a funding gap of around CHF 1,315 billion. To distribute this burden fairly across generations and different social groups, we need a comprehensive and long-term reform based on several solutions and compromises.
Options for closing the OASI financing gap:
The European Court of Human Rights has ruled that Switzerland must treat women and men equally when it comes to survivors’ pensions. Until now, women have received higher pensions than men due to historical social norms. In future, more attention will be paid to ensuring that surviving children can maintain their standard of living. These changes will have a slightly positive effect on the financing of the OASI.
In order to make the pension system sustainable, various measures must be combined. The extent to which each measure is implemented is a political decision. It is important that the benefits of the current system are preserved for future generations and that the additional burdens are distributed fairly.
Would you like to find out more about this topic? Then read our generational balance sheet (in German).
In recent years, women have made remarkable progress in the labor market. In 2023, the global labor force participation rate for women was 47%, compared to 72.3% for men. Women are increasingly taking on leadership positions, especially in healthcare, education, consumer goods and the public sector. Countries such as Iceland, Norway and Finland are leading the way in closing the gender gap.
Despite this progress, there are still major differences between the sexes. Economist Claudia Goldin, who won the Nobel Prize in Economics, examines the causes of these differences. She emphasizes that structural challenges such as discrimination, lack of childcare and limited opportunities for advancement prevent women from being fully integrated into the workforce. Goldin also highlights the importance of work-life balance, equal pay and equal career opportunities. To achieve true gender parity, politicians, employers and society must work together to create a fair and inclusive world of work for future generations.
You can find more information on this topic in our article “The progress and challenges of women in the workforce”.
What can we do for you? We’re happy to address your concerns directly. You can contact us in the following ways:
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