Key points at a glance
This page is for residents of Untervaz 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 Untervaz (postal code 7204), a municipality of roughly 2’517 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 (Zizers (2 km), Landquart (3 km), Trimmis (4 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Untervaz at a glance: your local context
Untervaz, a municipality of roughly 2’517 residents in the canton of Graubünden, brings its own local context to "Comparing and choosing pillar 3a". Untervaz 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 2’517
- Canton: Graubünden
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 7204
- Federal municipality number (BFS): 3946
Comparing and choosing pillar 3a around Untervaz: compare neighbouring municipalities
Living or working near Untervaz? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Comparing and choosing pillar 3a in Zizers — 2.5 km away
- Comparing and choosing pillar 3a in Landquart — 3.4 km away
- Comparing and choosing pillar 3a in Trimmis — 4.2 km away
- Comparing and choosing pillar 3a in Pfäfers — 6.7 km away
- Comparing and choosing pillar 3a in Malans — 6.8 km away
- Comparing and choosing pillar 3a in Jenins — 8.1 km away
- Comparing and choosing pillar 3a in Coire — 8.4 km away
- Comparing and choosing pillar 3a in Bad Ragaz — 8.5 km away
- Comparing and choosing pillar 3a in Grüsch — 8.6 km away
- Comparing and choosing pillar 3a in Maienfeld — 8.9 km away
Pillar 3a in Untervaz: 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 Untervaz, 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 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 Untervaz →
How we work for Untervaz
For "Comparing and choosing pillar 3a" in Untervaz 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 Untervaz (practical guidance, not legal advice)
Is "Comparing and choosing pillar 3a" also covered for the area around Untervaz?
Yes. The neighbouring municipalities of Untervaz, such as Zizers (2 km), Landquart (3 km), each have their own page on "Comparing and choosing 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 Untervaz?
No, it is for orientation in Untervaz. 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 "Comparing and choosing pillar 3a" in Untervaz with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Untervaz follow. The comparison is free, and no offer is binding.
How is the data from the form handled?
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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.