This is the fund value
1. Enhancer fund : 50% investment of premium / current NAV 16.78
2. Growth fund : 50% investment of premium / current NAV 15.01
The premium amount Rs. 12500 half yearly. Total policy term 10 year, policy start date August 2010.

total invested Rs. 150000 in six year and now return value Rs. 16066.
should I switch the fund or withdraw the policy?