Key points at a glance
This page is for residents of Fiez 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 Fiez (postal code 1420), a municipality of roughly 448 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 (Fontaines-sur-Grandson (0 km), Grandevent (1 km), Tévenon (2 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Fiez at a glance: your local context
Fiez, a municipality of roughly 448 residents in the canton of Vaud, brings its own local context to "Private pension (pillar 3a / 3b) and planning". Fiez 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 448
- Canton: Vaud
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 1420
- Federal municipality number (BFS): 5556
Private pension (pillar 3a / 3b) and planning around Fiez: compare neighbouring municipalities
Living or working near Fiez? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Private pension (pillar 3a / 3b) and planning in Fontaines-sur-Grandson — 0.0 km away
- Private pension (pillar 3a / 3b) and planning in Grandevent — 1.3 km away
- Private pension (pillar 3a / 3b) and planning in Tévenon — 1.6 km away
- Private pension (pillar 3a / 3b) and planning in Giez — 1.9 km away
- Private pension (pillar 3a / 3b) and planning in Champagne — 2.7 km away
- Private pension (pillar 3a / 3b) and planning in Novalles — 3.1 km away
- Private pension (pillar 3a / 3b) and planning in Orges — 3.1 km away
- Private pension (pillar 3a / 3b) and planning in Vugelles-La Mothe — 3.1 km away
- Private pension (pillar 3a / 3b) and planning in Grandson — 3.5 km away
- Private pension (pillar 3a / 3b) and planning in Mauborget — 3.8 km away
Pillar 3a in Fiez: 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 Fiez 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 Fiez →
How we work for Fiez
Our approach for "Private pension (pillar 3a / 3b) and planning" in Fiez: (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 Fiez (practical guidance, not legal advice)
Is "Private pension (pillar 3a / 3b) and planning" also covered for the area around Fiez?
Yes. The neighbouring municipalities of Fiez, such as Fontaines-sur-Grandson (0 km), Grandevent (1 km), each have their own page on "Private pension (pillar 3a / 3b) and planning" — 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 Fiez?
No, it is for orientation in Fiez. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Vaud.
Can I compare "Private pension (pillar 3a / 3b) and planning" in Fiez with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Fiez 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
This local guide for Fiez 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.