Key points at a glance
Living in Lommis 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 Lommis (postal code 9506), a municipality of roughly 1’215 residents in the canton of Thurgau, 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 (Stettfurt (2 km), Affeltrangen (3 km), Wängi (3 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Lommis at a glance: your local context
Lommis, a municipality of roughly 1’215 residents in the canton of Thurgau, brings its own local context to "Calculating and simulating pillar 3a". For health insurance premiums, Lommis belongs to FOPH premium region 0 of the canton of Thurgau. 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 1’215
- Canton: Thurgau
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 9506
- Federal municipality number (BFS): 4741
Calculating and simulating pillar 3a around Lommis: compare neighbouring municipalities
Around Lommis, 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 Stettfurt — 2.3 km away
- Calculating and simulating pillar 3a in Affeltrangen — 2.5 km away
- Calculating and simulating pillar 3a in Wängi — 3.1 km away
- Calculating and simulating pillar 3a in Thundorf — 3.7 km away
- Calculating and simulating pillar 3a in Tobel-Tägerschen — 3.8 km away
- Calculating and simulating pillar 3a in Matzingen — 3.8 km away
- Calculating and simulating pillar 3a in Münchwilen — 3.9 km away
- Calculating and simulating pillar 3a in Bettwiesen — 4.2 km away
- Calculating and simulating pillar 3a in Sirnach — 5.7 km away
- Calculating and simulating pillar 3a in Eschlikon — 6.4 km away
Pillar 3a in Lommis: 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 Lommis, 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 Thurgau 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 Lommis →
How we work for Lommis
For "Calculating and simulating pillar 3a" in Lommis we work in three stages: an inventory of your contracts and dates (canton of Thurgau); 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 Lommis (practical guidance, not legal advice)
Is "Calculating and simulating pillar 3a" also covered for the area around Lommis?
Yes. The neighbouring municipalities of Lommis, such as Stettfurt (2 km), Affeltrangen (3 km), each have their own page on "Calculating and simulating pillar 3a" — handy when you compare several places to live in the canton of Thurgau or a move is coming up.
Does this page replace personal advice in Lommis?
No. It explains the insurance and tax concepts for residents of Lommis (canton of Thurgau). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Calculating and simulating pillar 3a" in Lommis with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Lommis 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
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.