Is there an optimal point to surrendering ILP investment-link policy?

The key question is: How will you know if the invested funds will rise and holding on will give you the higher returns? In addition, are you sure that the market will definitely perform in the short term?

Next, you must check and confirm the charges and to account them if you intend to hold onto the policy.

On the other hand, I will suggest you to conduct proper research on whether you should take the risk of transferring your monies from a diversified portfolio (assuming that you are well-invested in your investment-linked policy) and to focus solely on tech stocks.

In like manner, will roboadvisers generate the returns that you desire? While cost may be lower than an investment-linked fund, they are formed differently and have different fund objectives (and other factors). Hence, you need to determine whether roboadvisers fit into your needs better.

Now to answer your question, no, there is no optimal point to surrender an investment-linked policy. This is because nobody owns a crystal ball to be able to tell the future acccurately.

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