If my divorced Swiss friends are anything to go by, you shouldn’t worry too much about your wife in a divorce situation. The law & divorce conditions are “somewhat skewed” to her benefit, is the impression I get. To steer against this, it should be a big priority for you, that she starts a job, part-time is good too, to simply get back in the job market ASAP. Don’t wait till 45. If she is 45 and ends up unemployable & you get divorced you’ll pay support till you die. In this case, U
unless you’re a great earner, you’re really screwed. I know you didn’t ask for this advice, and I’m really not cynical about it as it’s not my personal experience. I’ve just heard to many sh*tty stories & know it must be reality.
At divorce AHV gets split too. But not only your contributions are in the pot, cos as a stay at home Mum she is making theoretical contributions equivalent to CHF 80k income at this time.
Don’t worry about AHV.
Where half of your 2nd pillar flows - “worry” about that when you get there (hopefully never). There’s new options for 2nd pillar accounts (Freizügigkeitskonto is one option, Finpension another) for non-employed opening up every few months. Maybe she’ll be working by then, in that case it goes to her 2nd pillar at that employer.