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Another Standard Life Endowment Question - stay or go?

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Hi

I'm hoping someone can be very kind and help me with this.

Just received my Standard Life Homeplan Yearly Statement, as follows

Plan started 28 June 1994, matures 28 June 2019. Monthly payments - £67.08, target amount £47,502

Total plan value on 28 June 2006 - £10,685.21 (total fund value £10,077.90, final bonus £617.31)

What I might get back - low rate 3.75% £21,202, intermediate rate 5.5% £31,400, high rate 7.25% £37,600

There's also the famous Endowment Promise, which means I might get between £2,080 and £3,122.

Can anyone advise me on whether I should

1) surrender the endowment, place it and future monthly payments in a high interest account and use to pay off the mortgage at the end?

2) sell through a broker rather than surrender?

3) keep the endowment, keep on paying and keep my fingers crossed that it will do better than is forecast? (I've already claimed for mis-selling and received a payment of £2400)

If anyone can offer any advice on this I'd be extremeley grateful.
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