Key points at a glance
This page is for residents of Moiry 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 Moiry, a municipality of roughly 310 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 (La Praz (2 km), Cuarnens (2 km), Chevilly (3 km))? The 3a maximum is set federally — only your municipal tax rate changes the effective saving.
Moiry at a glance: your local context
Moiry, a municipality of roughly 310 residents in the canton of Vaud, brings its own local context to "Calculating and simulating pillar 3a". In Moiry, the official FOPH premium rates for the canton of Vaud apply.
- Population: roughly 310
- Canton: Vaud
- Federal municipality number (BFS): 5490
Calculating and simulating pillar 3a around Moiry: compare neighbouring municipalities
Living or working near Moiry? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Calculating and simulating pillar 3a in La Praz — 2.2 km away
- Calculating and simulating pillar 3a in Cuarnens — 2.2 km away
- Calculating and simulating pillar 3a in Chevilly — 2.5 km away
- Calculating and simulating pillar 3a in Mont-la-Ville — 3.1 km away
- Calculating and simulating pillar 3a in Ferreyres — 3.1 km away
- Calculating and simulating pillar 3a in Juriens — 3.7 km away
- Calculating and simulating pillar 3a in La Chaux (Cossonay) — 4.2 km away
- Calculating and simulating pillar 3a in Dizy — 4.2 km away
- Calculating and simulating pillar 3a in L'Isle — 4.5 km away
- Calculating and simulating pillar 3a in La Sarraz — 4.5 km away
Pillar 3a in Moiry: 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 Moiry, 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 Moiry →
How we work for Moiry
For "Calculating and simulating pillar 3a" in Moiry 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 Moiry (practical guidance, not legal advice)
Is "Calculating and simulating pillar 3a" also covered for the area around Moiry?
Yes. The neighbouring municipalities of Moiry, such as La Praz (2 km), Cuarnens (2 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 Moiry?
No, it is for orientation in Moiry. 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 "Calculating and simulating pillar 3a" in Moiry with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Moiry 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
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.