Key points at a glance
Living in Himmelried and thinking about pillar 3a? A smart move: tied pension 3a is the most tax-efficient way to save in Switzerland. Contributions up to the annual maximum lower your taxable income, while the capital builds up for retirement, home ownership or a permanent move abroad.
In Himmelried (postal code 4204), a municipality of roughly 909 residents in the canton of Solothurn, 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 (Grellingen (2 km), Duggingen (3 km), Fehren (3 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Himmelried at a glance: your local context
Himmelried, a municipality of roughly 909 residents in the canton of Solothurn, brings its own local context to "Comparing and choosing pillar 3a". For health insurance premiums, Himmelried belongs to FOPH premium region 0 of the canton of Solothurn. 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 909
- Canton: Solothurn
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 4204
- Federal municipality number (BFS): 2618
Comparing and choosing pillar 3a around Himmelried: compare neighbouring municipalities
Living or working near Himmelried? 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 Grellingen — 2.4 km away
- Comparing and choosing pillar 3a in Duggingen — 3.1 km away
- Comparing and choosing pillar 3a in Fehren — 3.2 km away
- Comparing and choosing pillar 3a in Zullwil — 3.4 km away
- Comparing and choosing pillar 3a in Nunningen — 3.5 km away
- Comparing and choosing pillar 3a in Meltingen — 3.7 km away
- Comparing and choosing pillar 3a in Nenzlingen — 4.0 km away
- Comparing and choosing pillar 3a in Brislach — 4.2 km away
- Comparing and choosing pillar 3a in Pfeffingen — 4.3 km away
- Comparing and choosing pillar 3a in Breitenbach — 4.3 km away
Pillar 3a in Himmelried: 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 Himmelried 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 Solothurn 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 Himmelried →
How we work for Himmelried
Our approach for "Comparing and choosing pillar 3a" in Himmelried: (1) list your contracts and deadlines in the canton of Solothurn; (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 Himmelried (practical guidance, not legal advice)
Is "Comparing and choosing pillar 3a" also covered for the area around Himmelried?
Yes. The neighbouring municipalities of Himmelried, such as Grellingen (2 km), Duggingen (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 Solothurn or a move is coming up.
Does this page replace personal advice in Himmelried?
No, it is for orientation in Himmelried. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Solothurn.
Can I compare "Comparing and choosing pillar 3a" in Himmelried with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Himmelried 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
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.