Endowment

[TheRightStuff]

just found out that the final bonus is currently on 1K. Great

[lukemg]

These things are an absolute joke, got one myself with 10 years to run, Charlie clueless about finance then. it's 32 notes a month so I don't even notice it, I was hoping that it is back-loaded and that the bonuses really start to kick in towards/at maturity but that looks doubtful. I think it will probably give the same return as a deposit account so will just leave it running, probably wouldn't if it was 100/month though !
My pep's and ISA are averaging 13.5%/year return (various since 97)which puts things in perspective !

[MickeyP]

I used the letter generator on

http://www.which.co.uk/reports_and_c...ages/index.jsp

for my wife's mortgage endowment with Allied Dunbar. Got quite a few grand back and the original money without any hastle. Not sure if you have missed the deadline, have a read of the website.

Would I send this letter to the mortgage company itself eg Clerical Medical, Winterthur or to the company who advised me eg John Charcol Ltd

[Lockhouse]

I've got two 25 year policies running that expire in 6 years time. A total of £160 per month - they are just starting to climb up a bit in value but I'd have been better off putting the money in something else. I was originally supposed to get back around £100k but I reckon I'll be lucky to see £45K.

Older and wiser now.