# Seeking advises about Pillar 3a and b
**URL:** https://forum.mustachianpost.com/t/seeking-advises-about-pillar-3a-and-b/15152
**Category:** Banks, Insurances & Third Pillar
**Created:** [January 10, 2025, 10:48am UTC](https://forum.mustachianpost.com/t/seeking-advises-about-pillar-3a-and-b/15152 "2025-01-10T10:48:31Z")
**Posts on this page:** 7
**Page:** 4
### Author:  [@Learning2Invest](https://forum.mustachianpost.com/u/Learning2Invest)
#### Post date: [February 25, 2026, 6:31pm UTC](https://forum.mustachianpost.com/t/seeking-advises-about-pillar-3a-and-b/15152/61 "2026-02-25T18:31:53Z")
Wow, the surprises never end. The contract states:
_Premium split 11% collateral element - 89% return element
Growth investment strategy and a dynamic premium split_
I had naïvely assumed that almost 90 % of the premium goes into the fund.
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### Author:  [@gaijin](https://forum.mustachianpost.com/u/gaijin)
#### Post date: [February 25, 2026, 7:18pm UTC](https://forum.mustachianpost.com/t/seeking-advises-about-pillar-3a-and-b/15152/62 "2026-02-25T19:18:45Z")
> [@Learning2Invest](#):
>
> From that CHF 1,800, only CHF 295 went toward my savings/investment, is that correct?
to second @nabalzbhf : At the beginning of these contracts, the savings part is much lower. This is how the company builds up its cushion in case it has to pay the insurance. The savings part gradually increases over the duration of the contract.
Sad world.
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### Author:  [@Learning2Invest](https://forum.mustachianpost.com/u/Learning2Invest)
#### Post date: [February 25, 2026, 7:31pm UTC](https://forum.mustachianpost.com/t/seeking-advises-about-pillar-3a-and-b/15152/63 "2026-02-25T19:31:16Z")
Thanks, this system is truly amazing. Once you put your finger in the mechanism, it will eat the whole arm, no matter what you do. But that’s all right; it no longer shocks me.
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### Author:  [@Mirager](https://forum.mustachianpost.com/u/Mirager)
#### Post date: [February 25, 2026, 7:31pm UTC](https://forum.mustachianpost.com/t/seeking-advises-about-pillar-3a-and-b/15152/64 "2026-02-25T19:31:39Z")
> [@Learning2Invest](#):
>
> but it seems that the request was misunderstood on their end
Bullshit. I had the same and responded with “[I want to quit the gym, ok](https://www.youtube.com/watch?v=-pwV694bV_I), send me confirmation that you received and understood my request along with the forms to do so”. There was no response but then a few days later a letter appeared in my mailbox that needed a wet signature - common in CH, I understand, but possibly a way to sneak one last payment too.
Edit: of course this was after several attempts to flexiblify my payment, lower it, pause it, phonecalls (no Maria, though)…anything to stop you from quitting the gym.
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### Author:  [@Learning2Invest](https://forum.mustachianpost.com/u/Learning2Invest)
#### Post date: [February 25, 2026, 7:40pm UTC](https://forum.mustachianpost.com/t/seeking-advises-about-pillar-3a-and-b/15152/65 "2026-02-25T19:40:00Z")
Yes, I was hoping for at least an easy administrative process (“take the money and let me leave”), but even the termination process will require some efforts.
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### Author:  [@PhilMongoose](https://forum.mustachianpost.com/u/PhilMongoose)
#### Post date: [February 25, 2026, 8:23pm UTC](https://forum.mustachianpost.com/t/seeking-advises-about-pillar-3a-and-b/15152/66 "2026-02-25T20:23:06Z")
I really hate this ‘make it difficult for you to cancel’ as a way of trapping people into subscriptions etc.
I really wish they’d bring in a law that prevents companies from requiring you to have more cumbersome ways of cancelling than they do of signing up. You want me to sign in blood in triplicate to cancel? OK, but then to upgrade from the $3 to $9 plan should have the same requirement.
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### Author:  [@Mirager](https://forum.mustachianpost.com/u/Mirager)
#### Post date: [February 25, 2026, 8:46pm UTC](https://forum.mustachianpost.com/t/seeking-advises-about-pillar-3a-and-b/15152/67 "2026-02-25T20:46:28Z")
Nothing reinstating crucifixion wouldn’t solve.
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