Key points at a glance
This page is for residents of Bergün Filisur 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 Bergün Filisur, a municipality of roughly 905 residents in the canton of Graubünden, 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 (Schmitten (5 km), Surses (11 km), Albula/Alvra (11 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Bergün Filisur at a glance: your local context
Bergün Filisur, a municipality of roughly 905 residents in the canton of Graubünden, brings its own local context to "Pillar 3a at 25: start early". In Bergün Filisur, the official FOPH premium rates for the canton of Graubünden apply.
- Population: roughly 905
- Canton: Graubünden
- Federal municipality number (BFS): 3544
Pillar 3a at 25: start early around Bergün Filisur: compare neighbouring municipalities
Living or working near Bergün Filisur? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Pillar 3a at 25: start early in Schmitten — 5.3 km away
- Pillar 3a at 25: start early in Surses — 10.8 km away
- Pillar 3a at 25: start early in Albula/Alvra — 11.3 km away
- Pillar 3a at 25: start early in Lantsch/Lenz — 12.1 km away
- Pillar 3a at 25: start early in Vaz/Obervaz — 14.7 km away
- Pillar 3a at 25: start early in Arosa — 14.9 km away
- Pillar 3a at 25: start early in Bever — 16.9 km away
- Pillar 3a at 25: start early in Samedan — 17.6 km away
- Pillar 3a at 25: start early in La Punt Chamues-ch — 17.8 km away
- Pillar 3a at 25: start early in Madulain — 18.1 km away
Pillar 3a in Bergün Filisur: compare and contribute wisely
With pillar 3a you save twice over: contributions up to the maximum immediately lower your tax bill, and the balance grows long term for retirement. What matters in Bergün Filisur is the size of the contribution and the choice of provider — between a safe 3a account, a return-oriented securities solution and a 3a insurance policy, the gap in cost and yield is wide.
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 Graubünden 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 Bergün Filisur →
How we work for Bergün Filisur
For "Pillar 3a at 25: start early" in Bergün Filisur we work in three stages: an inventory of your contracts and dates (canton of Graubünden); an analysis of cover gaps, over-insurance and overlaps; then costed scenarios as a basis for your decision. It is not about more insurance, but about the right balance of premium, deductible and benefit. All free and without obligation — as an educational complement, not a substitute for individual professional advice.
FAQ — insurance in Bergün Filisur (practical guidance, not legal advice)
Is "Pillar 3a at 25: start early" also covered for the area around Bergün Filisur?
Yes. The neighbouring municipalities of Bergün Filisur, such as Schmitten (5 km), Surses (11 km), each have their own page on "Pillar 3a at 25: start early" — handy when you compare several places to live in the canton of Graubünden or a move is coming up.
Does this page replace personal advice in Bergün Filisur?
No, it is for orientation in Bergün Filisur. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Graubünden.
Can I compare "Pillar 3a at 25: start early" in Bergün Filisur with no obligation?
Of course. The starting point is your situation in Bergün Filisur; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
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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.