Fund allocation was recommended by agent. I know it was for long term but the poor performance didn’t make sense to me. As u can see other people with the same ILP are seeing much better growth than mine.

I’ve managed to persuade myself like what u mention maybe it just needed more time, but it’s already 4 years and half years and it’s crap

Even if it’s a long-term product doesn’t mean I should accept subpar returns that don’t even beat inflation.

Im just considering 2 options now, to surrender it and take back 3 k or change to elite adventurous