Key points at a glance
This page is for residents of Landquart 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 Landquart (postal code 7302), a municipality of roughly 8’849 residents in the canton of Graubünden, two decisions drive long-term success: how much you pay in (ideally the maximum) — and where. A 3a bank account (safe, low interest), a securities 3a (higher return potential) or an insurance 3a differ substantially in cost and return. Below are the essentials and a free comparison. Comparing several places to live (Zizers (2 km), Untervaz (3 km), Malans (4 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Landquart at a glance: your local context
Landquart, a municipality of roughly 8’849 residents in the canton of Graubünden, brings its own local context to "Pillar 3a for cross-border workers". Landquart 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 8’849
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7302
- Federal municipality number (BFS): 3955
Pillar 3a for cross-border workers around Landquart: compare neighbouring municipalities
Living or working near Landquart? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Pillar 3a for cross-border workers in Zizers — 1.5 km away
- Pillar 3a for cross-border workers in Untervaz — 3.4 km away
- Pillar 3a for cross-border workers in Malans — 3.7 km away
- Pillar 3a for cross-border workers in Grüsch — 5.4 km away
- Pillar 3a for cross-border workers in Jenins — 5.7 km away
- Pillar 3a for cross-border workers in Trimmis — 6.0 km away
- Pillar 3a for cross-border workers in Pfäfers — 6.3 km away
- Pillar 3a for cross-border workers in Maienfeld — 7.0 km away
- Pillar 3a for cross-border workers in Seewis im Prättigau — 7.0 km away
- Pillar 3a for cross-border workers in Bad Ragaz — 7.5 km away
Pillar 3a in Landquart: 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 Landquart, 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 Landquart →
How we work for Landquart
Our approach for "Pillar 3a for cross-border workers" in Landquart: (1) list your contracts and deadlines in the canton of Graubünden; (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 Landquart (practical guidance, not legal advice)
Is "Pillar 3a for cross-border workers" also covered for the area around Landquart?
Yes. The neighbouring municipalities of Landquart, such as Zizers (2 km), Untervaz (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 Graubünden or a move is coming up.
Does this page replace personal advice in Landquart?
No. It explains the insurance and tax concepts for residents of Landquart (canton of Graubünden). 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 Landquart with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Landquart follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
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Important notes
This local guide for Landquart is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.