Scottish Widows Surrender?

Woolley4

I'm a bit unsure what to do with my House Purchase Savings Plan with Scottish Widows. The start date was Aug 99 and i've been paying in £74.38 a month. As far i understand i cannot sell this fund as is it a unitised with profit and so i can only surrender or keep on ploughing in the money.
Target amount is £38,531.
Latest projected shortfall with 4% growth is £25,800.
Surrender price is £5657
If surrendered now i would lose about £600, but i could pay cash for a new roof without forking out VAT and have a little left over for home improvements.
By the way i've gone repayment with the mortgage so it's just a case with whats the best move for this remaining policy?
Any insight would be appreciated.

EdInvestor

Can you post some maturity projections.

Woolley4

My Endowment Plan Update As At 4th July



4% each yr 5% each year 6% each yr

Projected
final amount £25,800 £29,500 £33,800


Potential
shortfall £12,731 £9,031 £4,731