Key points at a glance
This page is for residents of Concise 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 Concise (postal code 1426), a municipality of roughly 995 residents in the canton of Vaud, 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 (Corcelles-près-Concise (3 km), Onnens (3 km), Mutrux (4 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Concise at a glance: your local context
Concise, a municipality of roughly 995 residents in the canton of Vaud, brings its own local context to "Calculating and simulating pillar 3a". For health insurance premiums, Concise 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 995
- Canton: Vaud
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 1426
- Federal municipality number (BFS): 5554
Calculating and simulating pillar 3a around Concise: compare neighbouring municipalities
Around Concise, 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 Corcelles-près-Concise — 2.5 km away
- Calculating and simulating pillar 3a in Onnens — 3.4 km away
- Calculating and simulating pillar 3a in Mutrux — 3.6 km away
- Calculating and simulating pillar 3a in Bonvillars — 4.0 km away
- Calculating and simulating pillar 3a in Champagne — 5.5 km away
- Calculating and simulating pillar 3a in Yvonand — 6.1 km away
- Calculating and simulating pillar 3a in Provence — 6.2 km away
- Calculating and simulating pillar 3a in Cheyres-Châbles — 6.8 km away
- Calculating and simulating pillar 3a in La Grande Béroche — 7.0 km away
- Calculating and simulating pillar 3a in Tévenon — 7.2 km away
Pillar 3a in Concise: 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 Concise, 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 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 Concise →
How we work for Concise
For "Calculating and simulating pillar 3a" in Concise 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 Concise (practical guidance, not legal advice)
Is "Calculating and simulating pillar 3a" also covered for the area around Concise?
Yes. The neighbouring municipalities of Concise, such as Corcelles-près-Concise (3 km), Onnens (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 Vaud or a move is coming up.
Does this page replace personal advice in Concise?
No. It explains the insurance and tax concepts for residents of Concise (canton of Vaud). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Calculating and simulating pillar 3a" in Concise with no obligation?
Of course. The starting point is your situation in Concise; 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?
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.