Key points at a glance
This page is for residents of Davos 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 Davos (postal code 7260), a municipality of roughly 10’862 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 (Klosters (9 km), Conters im Prättigau (11 km), Fideris (12 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Davos at a glance: your local context
Davos, a municipality of roughly 10’862 residents in the canton of Graubünden, brings its own local context to "Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal)". Davos lies in premium region 2 of the canton of Graubünden (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 10’862
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7260
- Federal municipality number (BFS): 3851
Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal) around Davos: compare neighbouring municipalities
Living or working near Davos? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal) in Klosters — 8.9 km away
- Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal) in Conters im Prättigau — 11.0 km away
- Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal) in Fideris — 11.5 km away
- Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal) in Arosa — 12.3 km away
- Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal) in Küblis — 12.8 km away
- Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal) in Luzein — 13.5 km away
- Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal) in Jenaz — 15.2 km away
- Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal) in Tschiertschen-Praden — 18.3 km away
- Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal) in Schmitten — 18.6 km away
- Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal) in Furna — 19.1 km away
Pillar 3a in Davos: 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 Davos, 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 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 Davos →
How we work for Davos
For "Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal)" in Davos 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 Davos (practical guidance, not legal advice)
Is "Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal)" also covered for the area around Davos?
Yes. The neighbouring municipalities of Davos, such as Klosters (9 km), Conters im Prättigau (11 km), each have their own page on "Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal)" — 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 Davos?
No, it is for orientation in Davos. 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 "Withdrawing pillar 3a (home ownership, leaving Switzerland, early withdrawal)" in Davos with no obligation?
Of course. The starting point is your situation in Davos; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Your details are transmitted through our secure infrastructure — solely with your explicit consent. The purposes, recipients and retention periods are described in the privacy policy.
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.