Turning 30 this year - need help with 3rd pillars

[Ardius]

I think I had the same Zurich product, see my story here :

Cancel life insurance now and invest?

Hi ! I know that market timing is not the favorite subject in this forum but I have the following opportunities : I signed a (f***) life insurance contract linked to my 3rd pillar in 2013. Keys numbers : I already paid 7 * 4000 = CHF 28’000 End of february, the insurance wrote me following : Funds from the “réserve mathématique pour la garantie” : CHF 20’742 Funds from the exceeding fees invested in funds : CHF 1’439 Only the CHF 1’439 are subject to market fluctuations (…

Just cancelled my contrat.
I will certainly take a pure risk life insurance because I have 1 (and soon :-)) 2 kids.

Here is the documentation of the product I had : https://www.zurich.ch/-/media/zurich-site/content/privatkunden/vorsorge-anlage/dokumente/zurich-vorsorge-premium/factsheet-vorsorge-premium-e.pdf