How should I organise my pension if I work part time?

Working part time often results in large gaps in your pension because your lower income will automatically result in fewer savings for your retirement. Another disadvantage is that many pension funds apply the full coordination deduction to determine the insured salary. This results in lower benefits. You should check how "part-time-friendly" your employer’s pension fund is. Progressive funds adjust the deduction in line with your level of employment. And you can also contribute to a private pension fund, for example by regularly paying into your pillar 3a. If you are thinking about reducing your working hours, you should read our free-of-charge information sheet "Pensions while working part time".


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