Cashing in

By This Is Money
Updated: 00:00 BST, 22 October 2002

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I HAVE a 王室の & SunAlliance 部隊-linked endowment. I have paid £78.50 a month for 11 years. The 降伏する value is £5,300. I have another 14 years to 支払う／賃金. In 見解（をとる） of their poor 業績／成果 should I take the money and run, 凍結する it and stop 支払う／賃金ing or continue? I no longer need it for my mortgage that I have changed to 返済. SR, Lichfield/i>.

Ben Yearsley at 独立した・無所属 財政上の 助言者 Hargreaves Lansdown says: I would probably say that it is 価値（がある） cashing in the 政策 (although not knowing which 基金 it is in makes a 最終的な answer difficult).

部隊-linked endowments 一般に don't 申し込む／申し出 広大な／多数の／重要な value for money - if you want life cover and 投資 it is often better and more cost-効果的な to separate the two elements.

Long-称する，呼ぶ／期間／用語 saving can be done cheaply and in many 事例／患者s with better 投資 可能性のある by using a 部隊 信用 or 投資 信用 貯金 計画（する） - this can be done inside an ISA ーするために make it 税金-解放する／自由な.

This also gives you more 柔軟性 about when to cash in the 投資 in later years.