Key points at a glance
This page is for residents of Les Planchettes 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 Les Planchettes (postal code 2325), a municipality of roughly 209 residents in the canton of Neuchâtel, 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 (La Chaux-de-Fonds (5 km), Le Locle (6 km), La Sagne (8 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Les Planchettes at a glance: your local context
Les Planchettes, a municipality of roughly 209 residents in the canton of Neuchâtel, brings its own local context to "Private pension (pillar 3a / 3b) and planning". Les Planchettes lies in premium region 0 of the canton of Neuchâtel (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 209
- Canton: Neuchâtel
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 2325
- Federal municipality number (BFS): 6422
Private pension (pillar 3a / 3b) and planning around Les Planchettes: compare neighbouring municipalities
Around Les Planchettes, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Private pension (pillar 3a / 3b) and planning in La Chaux-de-Fonds — 4.5 km away
- Private pension (pillar 3a / 3b) and planning in Le Locle — 6.4 km away
- Private pension (pillar 3a / 3b) and planning in La Sagne — 8.0 km away
- Private pension (pillar 3a / 3b) and planning in La Ferrière — 10.5 km away
- Private pension (pillar 3a / 3b) and planning in La Chaux-du-Milieu — 11.5 km away
- Private pension (pillar 3a / 3b) and planning in Val-de-Ruz — 11.8 km away
- Private pension (pillar 3a / 3b) and planning in Renan — 11.9 km away
- Private pension (pillar 3a / 3b) and planning in Les Bois — 12.8 km away
- Private pension (pillar 3a / 3b) and planning in Les Ponts-de-Martel — 12.8 km away
- Private pension (pillar 3a / 3b) and planning in Le Cerneux-Péquignot — 12.9 km away
Pillar 3a in Les Planchettes: 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 Les Planchettes, 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 Neuchâtel 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 Les Planchettes →
How we work for Les Planchettes
Our approach for "Private pension (pillar 3a / 3b) and planning" in Les Planchettes: (1) list your contracts and deadlines in the canton of Neuchâtel; (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 Les Planchettes (practical guidance, not legal advice)
Is "Private pension (pillar 3a / 3b) and planning" also covered for the area around Les Planchettes?
Yes. The neighbouring municipalities of Les Planchettes, such as La Chaux-de-Fonds (5 km), Le Locle (6 km), each have their own page on "Private pension (pillar 3a / 3b) and planning" — handy when you compare several places to live in the canton of Neuchâtel or a move is coming up.
Does this page replace personal advice in Les Planchettes?
No, it is for orientation in Les Planchettes. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Neuchâtel.
Can I compare "Private pension (pillar 3a / 3b) and planning" in Les Planchettes with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Les Planchettes 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
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.