Key points at a glance
This page is for residents of Trun 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 Trun (postal code 7166), a municipality of roughly 1’170 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 (Sumvitg (5 km), Breil/Brigels (6 km), Obersaxen Mundaun (9 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Trun at a glance: your local context
Trun, a municipality of roughly 1’170 residents in the canton of Graubünden, brings its own local context to "Calculating and simulating pillar 3a". Trun 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 1’170
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7166
- Federal municipality number (BFS): 3987
Calculating and simulating pillar 3a around Trun: compare neighbouring municipalities
Around Trun, 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 Sumvitg — 4.8 km away
- Calculating and simulating pillar 3a in Breil/Brigels — 5.7 km away
- Calculating and simulating pillar 3a in Obersaxen Mundaun — 8.6 km away
- Calculating and simulating pillar 3a in Disentis/Mustér — 10.4 km away
- Calculating and simulating pillar 3a in Mundaun — 11.5 km away
- Calculating and simulating pillar 3a in Lumnezia — 15.5 km away
- Calculating and simulating pillar 3a in Medel — 16.8 km away
- Calculating and simulating pillar 3a in Ilanz/Glion — 17.3 km away
- Calculating and simulating pillar 3a in Tujetsch — 17.8 km away
- Calculating and simulating pillar 3a in Falera — 19.5 km away
Pillar 3a in Trun: 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 Trun 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 Trun →
How we work for Trun
Our approach for "Calculating and simulating pillar 3a" in Trun: (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 Trun (practical guidance, not legal advice)
Is "Calculating and simulating pillar 3a" also covered for the area around Trun?
Yes. The neighbouring municipalities of Trun, such as Sumvitg (5 km), Breil/Brigels (6 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 Trun?
No. It explains the insurance and tax concepts for residents of Trun (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 Trun with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Trun follow. The comparison is free, and no offer is binding.
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
This local guide for Trun 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.