Key points at a glance
This page is for residents of Lantsch/Lenz 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 Lantsch/Lenz (postal code 7083), a municipality of roughly 533 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 (Albula/Alvra (2 km), Vaz/Obervaz (4 km), Schmitten (8 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Lantsch/Lenz at a glance: your local context
Lantsch/Lenz, a municipality of roughly 533 residents in the canton of Graubünden, brings its own local context to "Pillar 3a for cross-border workers". For health insurance premiums, Lantsch/Lenz belongs to FOPH premium region 2 of the canton of Graubünden. 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 533
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7083
- Federal municipality number (BFS): 3513
Pillar 3a for cross-border workers around Lantsch/Lenz: compare neighbouring municipalities
Living or working near Lantsch/Lenz? 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 Albula/Alvra — 2.1 km away
- Pillar 3a for cross-border workers in Vaz/Obervaz — 3.9 km away
- Pillar 3a for cross-border workers in Schmitten — 8.1 km away
- Pillar 3a for cross-border workers in Scharans — 9.1 km away
- Pillar 3a for cross-border workers in Sils im Domleschg — 9.1 km away
- Pillar 3a for cross-border workers in Rongellen — 9.7 km away
- Pillar 3a for cross-border workers in Surses — 9.8 km away
- Pillar 3a for cross-border workers in Thusis — 10.2 km away
- Pillar 3a for cross-border workers in Fürstenau — 10.8 km away
- Pillar 3a for cross-border workers in Churwalden — 11.0 km away
Pillar 3a in Lantsch/Lenz: 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 Lantsch/Lenz 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 Lantsch/Lenz →
How we work for Lantsch/Lenz
For "Pillar 3a for cross-border workers" in Lantsch/Lenz 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 Lantsch/Lenz (practical guidance, not legal advice)
Is "Pillar 3a for cross-border workers" also covered for the area around Lantsch/Lenz?
Yes. The neighbouring municipalities of Lantsch/Lenz, such as Albula/Alvra (2 km), Vaz/Obervaz (4 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 Lantsch/Lenz?
No. It explains the insurance and tax concepts for residents of Lantsch/Lenz (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 Lantsch/Lenz with no obligation?
Of course. The starting point is your situation in Lantsch/Lenz; 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
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.