Thanks, yes Clubman I need the money imminently to pay to my ex. I really needed the full 37 to make up part of a settlement, but I think I will cut my losses and get our now and scrape the difference elsewhere. FYI - it was gifted to me, it has lost a lot of money because it is strong in equities, the capital is not guaranteed. My father bought it, thinking capital was guaranteed, he was misled. The ins and outs dont matter anymore. I need to cash in within the next few weeks. Whether it was technically mine or not shouldnt matter (though I cannot understand your thinking here.... a gift or inheritance becomes the property of the recepient). The initial value was €44K in 2000 but I spent about €10K, after 9/11 it lost €7k - it did about 8% last year. But I'm no longer concerned of its investment potential, it is going regardless.
I'm just annoyed that it dropped another 1500 so quickly in couple of weeks, it seems to alter very quickly. I thought perhaps I might gamble and hold out couple of weeks but the money is vital to me.
I was just only wondering of the timing of withdrawing as a week sometimes seems makes a different of a grand or two with this policy. I am sorry I didnt take it out in July and put it on deposit.
Thanks, very helpful.