Key points at a glance
This page is for residents of Medel 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 Medel (postal code 7184), a municipality of roughly 362 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 (Tujetsch (8 km), Disentis/Mustér (11 km), Sumvitg (12 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Medel at a glance: your local context
Medel, a municipality of roughly 362 residents in the canton of Graubünden, brings its own local context to "Calculating and simulating pillar 3a". Medel 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 362
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7184
- Federal municipality number (BFS): 3983
Calculating and simulating pillar 3a around Medel: compare neighbouring municipalities
Around Medel, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Calculating and simulating pillar 3a in Tujetsch — 7.5 km away
- Calculating and simulating pillar 3a in Disentis/Mustér — 11.3 km away
- Calculating and simulating pillar 3a in Sumvitg — 12.0 km away
- Calculating and simulating pillar 3a in Blenio — 14.2 km away
- Calculating and simulating pillar 3a in Andermatt — 15.5 km away
- Calculating and simulating pillar 3a in Quinto — 16.5 km away
- Calculating and simulating pillar 3a in Trun — 16.8 km away
- Calculating and simulating pillar 3a in Faido — 16.8 km away
- Calculating and simulating pillar 3a in Dalpe — 19.2 km away
- Calculating and simulating pillar 3a in Göschenen — 19.2 km away
Pillar 3a in Medel: 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 Medel 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 to 30 years, differences in fees and returns add up to five-figure amounts. So compare the type of solution (safe account vs. funds), the total costs and the flexibility (transfer, contribution rhythm). The effective tax saving depends on your marginal tax rate — that is, on your income, the canton of Graubünden and your municipality. On withdrawal the capital is taxed separately at a reduced rate; several 3a accounts allow staggered withdrawals.
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 Medel →
How we work for Medel
Our approach for "Calculating and simulating pillar 3a" in Medel: (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 Medel (practical guidance, not legal advice)
Is "Calculating and simulating pillar 3a" also covered for the area around Medel?
Yes. The neighbouring municipalities of Medel, such as Tujetsch (8 km), Disentis/Mustér (11 km), each have their own page on "Calculating and simulating pillar 3a" — 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 Medel?
No. It explains the insurance and tax concepts for residents of Medel (canton of Graubünden). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Calculating and simulating pillar 3a" in Medel with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Medel follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our 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.