source: FAQ section in www.swisscash.biz

Is there a "Surrender Policy" for SIP?
No. All Investment is bound by contract whereby SwissCash will accept an investor's principal investment; in return the Investors accept the fixed payment schedule as defined by the SIP an investor chooses. SIP do not work based on the principle of "Fixed Deposit" offered by commercial banks. No one is able to withdraw his principal investment for a SIP but he/she is eligible to withdraw all the fixed returns at all time.

What is the difference between commercial banks' "Fixed Deposit" with SwissCash SIP?
FD yields you a return of 1-7% per annum depending on banks while SIP will yield you an average of 20% per month equivalent to 240% per annum. You are able to "Surrender" your FD Contract at anytime and collect back your Principal but SwissCash SIP do not have a "Surrender" Policy. You are not able to collect back your Principal midway through or even after the completion of the program.