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How should I invest to make up endowment shortfalls?

Q If l had ?5,000, how should I invest it to make up for endowment shortfalls and enable me to pay off my mortgage in ten years' time?

DC

A It depends on what kind of risk you are prepared to take. Personally l would take out a share based individual savings account (Isa) in a unit or investment trust. In spite of the decline in share markets during recent years l still believe that over a l0-year period equities will provide the best returns.

An Isa will give you valuable tax concessions and should perform a lot better than an endowment policy loaded down with charges and restrictions.

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