Key points at a glance
Living in Agiez 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 Agiez (postal code 1352), a municipality of roughly 326 residents in the canton of Vaud, 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 (Bofflens (2 km), Montcherand (2 km), Arnex-sur-Orbe (2 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Agiez at a glance: your local context
Agiez, a municipality of roughly 326 residents in the canton of Vaud, brings its own local context to "Pillar 3a for cross-border workers". For health insurance premiums, Agiez belongs to FOPH premium region 1 of the canton of Vaud. 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 326
- Canton: Vaud
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 1352
- Federal municipality number (BFS): 5742
Pillar 3a for cross-border workers around Agiez: compare neighbouring municipalities
Living or working near Agiez? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Pillar 3a for cross-border workers in Bofflens — 1.9 km away
- Pillar 3a for cross-border workers in Montcherand — 2.2 km away
- Pillar 3a for cross-border workers in Arnex-sur-Orbe — 2.2 km away
- Pillar 3a for cross-border workers in Bretonnières — 2.5 km away
- Pillar 3a for cross-border workers in Orbe — 2.6 km away
- Pillar 3a for cross-border workers in Croy — 3.1 km away
- Pillar 3a for cross-border workers in Les Clées — 3.1 km away
- Pillar 3a for cross-border workers in Romainmôtier-Envy — 3.1 km away
- Pillar 3a for cross-border workers in Sergey — 3.8 km away
- Pillar 3a for cross-border workers in L'Abergement — 3.9 km away
Pillar 3a in Agiez: 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 Agiez, 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 Vaud 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 Agiez →
How we work for Agiez
For "Pillar 3a for cross-border workers" in Agiez we work in three stages: an inventory of your contracts and dates (canton of Vaud); 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 Agiez (practical guidance, not legal advice)
Is "Pillar 3a for cross-border workers" also covered for the area around Agiez?
Yes. The neighbouring municipalities of Agiez, such as Bofflens (2 km), Montcherand (2 km), each have their own page on "Pillar 3a for cross-border workers" — handy when you compare several places to live in the canton of Vaud or a move is coming up.
Does this page replace personal advice in Agiez?
No. It explains the insurance and tax concepts for residents of Agiez (canton of Vaud). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Pillar 3a for cross-border workers" in Agiez with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Agiez follow. The comparison is free, and no offer is binding.
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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.