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Query on market related investment, when is the best time to withdraw?

Hi,

I had invested in Birla Platinum Plus II fund. I paid the premium for the 3 yrs only. Now it’s the 5th year. I see that the fund has a Guaranteed Maturity Unit Price = 18.2026 which means if I wait for 5 more years, I will get at least this much NAV. But if I decide to withdraw now, the NAV is 17.5154.

The question I have is, is it really worth waiting for 5 more years and hope that the NAV will go beyond 18.2026 OR does it make sense to withdraw at a lower NAV and invest somewhere else.

Thanks in advance,
Vijay

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