Since last 3 years, I have been investing in HDFC Pension Super Plan with annual premiums of Rs. 1, 00,000. This year my policy will be converted to paid-up policy. Present value of the fund is Rs. 3, 03,334. The policy allocates in growth fund, secure fund and stable fund at 47%, 13% and 40% respectively. What will you suggest ? should I surrender this policy or should I continue with investing in it?