Started investing in the above a year ago. With world economy not doing so well, the returns havent been so great. Any Wazuans who have been in it longer? What were your average annual returns? Do I hold fort for the minimum 18 months and walk out or it pays long term? Investment goes to 2020.

I dont need the money that badly, but again even if l needed it, the penalties for withdrawing before 18 months are highly punitive, so l cant leave. I am seeking opinions so l gauge whether to exit at end of 18 months and put the money to some other use or stay the whole hog if Wazuans who have been in it longer have better rewards. I recognise that past experince cannot be used to judge the future, but it could shed some light.