Should I surrender my ILP that is full investment?

Hi, I don't think this is enough information for ANYONE to recommend surrendering your ILP.

Please do not think that an 101 ILP (Judging from your limited description) does not aid you in your investment journey. Many times, it actually helps in:

1. Providing a lower cost, fractional access to Unit Trusts, simillar to what Robo-Advisor does for ETFs

2. Help provide discipline in mid-long term goals (many people think they have discipline but humans are fickle beings)

A further understand of your cash flow, current net worth and financial situation would allow for better answers for your need.

If you really do need to surrender your policy_ (well if the agent has done a good job he/she would have told you its for mid-long term purposes and you are actually proving the point about discipline) _you can consider 2nd-hand endowment/101 ILP trading firms.

However when doing so - do you have a clear idea of where your remaining cashflow will flow to? Will you use it to confidently generate higher or equivalent returns? Or will you leave it in the bank? ​​​