Key points at a glance
This page is for residents of Reinach who want to understand, compare or open a pillar 3a — Switzerland's most tax-efficient private pension. Every contribution (up to the annual maximum) reduces your taxable income, and the capital grows for retirement, buying a home or leaving the country.
In Reinach (postal code 4153), a municipality of roughly 20’690 residents in the canton of Basel-Landschaft, two choices matter most over time: the size of your annual contribution (ideally the maximum) and the right provider — a 3a savings account, a 3a with securities (more return potential) or a 3a insurance policy. Fees and returns vary widely; the essentials and a free comparison follow below. Comparing several places to live (Arlesheim (2 km), Dornach (3 km), Aesch (3 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Reinach at a glance: your local context
Reinach, a municipality of roughly 20’690 residents in the canton of Basel-Landschaft, brings its own local context to "Pillar 3a for cross-border workers". For health insurance premiums, Reinach belongs to FOPH premium region 1 of the canton of Basel-Landschaft. Two neighbouring municipalities can sit in different premium regions — and therefore pay noticeably different premiums for identical benefits. Always compare for your exact municipality of residence, not a cantonal average.
- Population: roughly 20’690
- Canton: Basel-Landschaft
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 4153
- Federal municipality number (BFS): 2773
Pillar 3a for cross-border workers around Reinach: compare neighbouring municipalities
Around Reinach, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Pillar 3a for cross-border workers in Arlesheim — 2.2 km away
- Pillar 3a for cross-border workers in Dornach — 2.6 km away
- Pillar 3a for cross-border workers in Aesch — 2.7 km away
- Pillar 3a for cross-border workers in Therwil — 3.1 km away
- Pillar 3a for cross-border workers in Münchenstein — 3.4 km away
- Pillar 3a for cross-border workers in Oberwil — 3.5 km away
- Pillar 3a for cross-border workers in Bottmingen — 3.7 km away
- Pillar 3a for cross-border workers in Pfeffingen — 3.7 km away
- Pillar 3a for cross-border workers in Ettingen — 3.8 km away
- Pillar 3a for cross-border workers in Binningen — 4.8 km away
Pillar 3a in Reinach: compare and contribute wisely
Pillar 3a is private, tax-advantaged pension saving: every franc paid in (up to the annual maximum) is deducted from your taxable income, and the capital stays invested until retirement. In Reinach, two decisions count: how much you pay in — and with whom? A bank account, a securities solution or an insurance policy differ sharply in fees and returns.
Over 20–30 years, costs and returns decide tens of thousands of francs. So check the solution type (account or securities), the fees and the flexibility (transferability, free contributions). How much tax you save is set by your marginal rate — depending on income, the canton of Basel-Landschaft and your municipality. Withdrawals attract a reduced special rate; running several 3a accounts lets you stagger withdrawals and optimise further.
Hallmarks of a good 3a solution
- Low total costs (management fee plus fund costs / TER).
- Equity share suited to your investment horizon until retirement.
- Flexible contributions and free transfer to another provider.
- Withdrawal planning: several accounts for staggered, tax-efficient withdrawals.
Compare pillar 3a offers for Reinach →
How we work for Reinach
Our approach for "Pillar 3a for cross-border workers" in Reinach: (1) list your contracts and deadlines in the canton of Basel-Landschaft; (2) uncover under- and over-insured risks as well as double cover; (3) compare options with concrete figures before you decide. The goal is never to pile up policies, but to align premiums, deductibles and benefits to a deliberately chosen level of risk. The comparison is free and without obligation; Assur-IA works in an educational way and replaces neither the tax authority nor regulated individual advice.
FAQ — insurance in Reinach (practical guidance, not legal advice)
Is "Pillar 3a for cross-border workers" also covered for the area around Reinach?
Yes. The neighbouring municipalities of Reinach, such as Arlesheim (2 km), Dornach (3 km), each have their own page on "Pillar 3a for cross-border workers" — handy when you compare several places to live in the canton of Basel-Landschaft or a move is coming up.
Does this page replace personal advice in Reinach?
No. It explains the insurance and tax concepts for residents of Reinach (canton of Basel-Landschaft). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Pillar 3a for cross-border workers" in Reinach with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Reinach follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
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Important notes
All information is provided without guarantee and may be affected by changes to the law or rates. No figure on this page creates a contractual entitlement: always check the definitive values with your insurer, the FOPH or your canton before you decide.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.