Friends Provident Endowment

Moby

I was sold a Friends Provident Endowment in 1995 as part of a mortgage. I changed to a repayment mortgage years ago so no problems there....but I need advice as to whether to continue with this endowment as a savings plan, cash it in or try and sell it and buy National Savings certificates for example. I've been paying in £51 a month since May 1995. Its a Unit Linked fund, present gross value is £10 962, current cash value is £11 300 and the target end date is May 2020. Its 50% managed and 50% with profit. Projected value at end date is 4% £21 700, 6% £24 400 and 8% £29 100. Although growth has been atrocious.....it does seem to have improved recently!

Any advice as to what to do with it gratefully received!