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Morning all.

I am seriously thinking of cashing in my endowment policies to pay off debts.
This would leave us near enough debt free.
The endowments are no longer linked to my mortgage and I was using them as a savings/pension plan.
So my question is, with the money we have been paying into these endowments, we plan to put into some other type of savings or pension plan that offers a good return. But we may need the option to dib into, for instance to help children at Uni etc (when they get to that age etc).
Ideas please

Regards
Mike
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