Yes, you’re absolutely right. That’s also what I meant by buying back “missing years of contributions”. In that sense, whether one measure or the other is more beneficial will depend on each individual’s personal situation (e.g. age, length of career in Switzerland, etc.). In any case, if the annual limit were to be increased to 15K for instance, I assume that the other provision (buy-backs) would need to be adjusted accordingly anyway.
That might be my own misunderstanding. This most recent one is listed as “Folge gegeben” as you point out (“donné suite” in French), whereas the other one is listed as “Annahme” (or “adopté”). I assumed that the first one implied only some kind of approval for the relevant commission to investigate further until a final vote for adoption is taken. I’m not an expert though, so beyond noticing that lexical difference, I must admit that I don’t know if there’s an actual difference here or not.
The difference is the one that’s already adopted (buying into 3a), was a “Motion” whereas the newer one is a “Parlamentarische Initiative”.
I could go into details, but what matters is that the newer 15K thingy goes to the second chamber after being accepted (“Folge gegeben/donné suite”) by the first one.
Update2 on this topic:
The social security and health comission of the Ständerat (council of states) discussed this in January and they voted against increasing the 3a limits to 15k.
This means, that the entire Ständerat will have to vote on this initiative.
Yes and then both councils vote again on that.
Although I don’t see how you would need two years to increase 3a limit from 7k to 15k. Because IMHO there isn’t much wriggle room how the decree should look.
So I just wrote a mail to one of the national assembly members co-signing the initiative (that, curiously, I have a number of linkedin acquaintances with), asking him what it’d need to drive those two motions/initiaties forward.
Let’s see how that goes.
EDIT: Replied within ten minutes, ha! 19.3702 / purchase into 3a is, supposedly, waiting on action of the Federal Council / Federal Department of Home Affairs. The FDP parliamentary group already decided to follow up and ask about this at the next parliamentary question time.
“Schon heute zahlten nur etwa zehn Prozent der Bevölkerung jährlich den Maximalbetrag von rund 6800 Franken ein.”
Typical politician argument. A number is thrown out without any context or critical thinking. How many people are aware of 3a and the possible tax savings? How many are aware but don’t want to use their expensive house bank solutions? How many are aware of low-cost solutions like VIAC and finpension?