Scottish Widows Endowment Advice please

m_c_s

Ed thanks, I will speak to them tomorrow as you suggest, I wish these companies would be clear about what is included in their growth projections.

dunstonh

EdInvestor wrote: »

I suggest you actually ask Widows whether the projections include terminal bonus amount rather than just assume they don't.Dunstonh has been wrong on this issue before.

Its not a case of being wrong. Its a case of finding out the facts and making a decision based on those facts. Not guesswork as is so often the case on here. You are making reference to that NU thread recently where I said they werent included but the OP said they were. The docs on the ones I have reviewed show them clearly not included. I cannot see the docs the OP had.

You have to be wary of the source of the information. I have been told before that figures included the terminal bonus accrued to date but when you query it further and speak to someone beyond the call centre front line you find out they are not included.

m_c_s

Ok finally have had an offer from fastteps.co.uk of £9360 which is 6.24% above current surrender value. This is sort of middle ground but I read somewhere that if below 10% then I should take the offer..anybody have any thoughts ?