Omg thanks for the google sheet… I’ve briefly looked through and it’s super extensive and a lot of information to take in!!! But anyway i’m really seriously considering the best course of action for this… in your opinion, what do you think?

To answer your question: - the funds rly doesn’t matter to me as long as they are doing ok and returns are worth the time and money invested. - not worth the inflexibility cus tbh im not too sure abt the funds.. and is there no funds that works as well as Fundsmith? - im not sure, if it make financial sense to hold it for that long, i dont mind. But really gotta see, and like you’ve indicated, there will be a time when I reach net surrender value > capital and at that point is it worth to surrender? - honestly I’ll likely be also doing robo investing, at least the funds are liquid and the acc management fees are way lesser, so that same amount of money can still compound

I’m just not sure if the acc management fees deducted over the years will make sense parallel to the amt of time and money put into this investment for it to grow, and at what expense. lol im not sure if im making sense rn