Key points at a glance
Living in Borex 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 Borex (postal code 1277), a municipality of roughly 1’133 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 (Arnex-sur-Nyon (1 km), Crassier (2 km), Eysins (2 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Borex at a glance: your local context
Borex, a municipality of roughly 1’133 residents in the canton of Vaud, brings its own local context to "Comparing and choosing pillar 3a". Borex lies in premium region 1 of the canton of Vaud (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 1’133
- Canton: Vaud
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 1277
- Federal municipality number (BFS): 5706
Comparing and choosing pillar 3a around Borex: compare neighbouring municipalities
Around Borex, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Comparing and choosing pillar 3a in Arnex-sur-Nyon — 1.4 km away
- Comparing and choosing pillar 3a in Crassier — 1.6 km away
- Comparing and choosing pillar 3a in Eysins — 1.8 km away
- Comparing and choosing pillar 3a in Signy-Avenex — 1.9 km away
- Comparing and choosing pillar 3a in Grens — 2.0 km away
- Comparing and choosing pillar 3a in La Rippe — 2.2 km away
- Comparing and choosing pillar 3a in Bogis-Bossey — 3.3 km away
- Comparing and choosing pillar 3a in Chavannes-de-Bogis — 3.3 km away
- Comparing and choosing pillar 3a in Crans — 3.6 km away
- Comparing and choosing pillar 3a in Céligny — 3.6 km away
Pillar 3a in Borex: 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 Borex 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 Vaud 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 Borex →
How we work for Borex
Our approach for "Comparing and choosing pillar 3a" in Borex: (1) list your contracts and deadlines in the canton of Vaud; (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 Borex (practical guidance, not legal advice)
Is "Comparing and choosing pillar 3a" also covered for the area around Borex?
Yes. The neighbouring municipalities of Borex, such as Arnex-sur-Nyon (1 km), Crassier (2 km), each have their own page on "Comparing and choosing pillar 3a" — 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 Borex?
No. It explains the insurance and tax concepts for residents of Borex (canton of Vaud). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Comparing and choosing pillar 3a" in Borex with no obligation?
Of course. The starting point is your situation in Borex; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
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
This local guide for Borex is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.