in 2017 I invested 80k in a low risk policy. this was split into 40k in my name and 40k in my wife's as advised by my financial advisor he said this would be the best idea as freebies were offered to members during the year and this way would double our freebies when offered. I was told that the investment would yield between 5-6% annually so we went with it. I called today 19/02/2024 to ask how my investment was going as I had heard nothing for a while. Now this is in it 7th year and here is what I have earned in interest. £138.65 in total. Yes you have read it correctly £138.65 in total. I cannot believe it but have been assured this is what I have should I want it out. I had no fixed term from the beginning and no penalties, How can this be correct? it works out at less than £20 per year interest. I am gutted to say the least. My advise is steer clear