<prompt> Human: Im from Sweden but currently live in Dubai. Three years ago at the tender age of 27 I thought it was a good idea to start saving for my retirement. One of those pesky financial advisers contacted me and I thought, hey, why not?. The ongoing meetings concluded with me signing up for a monthly plan with 1000 premiums for a 25-year term. I was given promising illustrations showing how I would eventually end up with a million USD with the indicated 10 return lol and everything seemed fine and dandy. I looked at the fine print but didnt really get it so trusted my adviser that this plan is really what I need and as long as I pay the premiums there would be no issue.Well, recently I had an epiphany and wanted to look at the fine print again. My conclusion this time is that Im in a balls-deep heap of trouble. Im writing here to see what you investing-savvy people believe my options are. Can I get out of this without losing everything I put in potential sunk cost due to the heavy surrender penalties?The link to the plan is hereDetailsTerm: 25 yearsPremium: 1,000 with monthly contributionsTotal premiums paid: 36,000Net Value of investment: 44,729Now, the Net Value looks darn good but this includes bonus allocations received in the first 18 months. I was told this was 40 on top of my premiums so 7,200 total. This plus the initial 18 months premiums are allocated to the Initial Units and can not be surrendered. This is where the majority of fees are deducted.The fees are:Initial charge: Quartely 1.5 or 6 annually on the Initial 18-month UnitsPlan Fee: 6 per monthFund AMCs: Assume this to be around 1-1.5 on the yearly return the funds make.Looking at these charges alone it looks like Ive made a god awful mistake no matter the Net Value before. This roughly translates to; 6 x 18,000 x 25 6 x 12 x 25 28,800 in fees without including the AMC. Thats 10 of my total investment gone!! Please, please correct me if Im wrong.It will really go downhill when I couple these fees with inflation, which is what Im supposed to beat. From these numbers it looks like I would need 14-15 return on a 25-year investment to make even the littlest margin. Now, in what universe would that be possible??Can someone please look at this and tell me what to do. Im in the need of a real Finance Adviser! :edit: If I surrender the plan today, I will get 23,783 back. 12k forever lost in a naive fashion.  <response>: You need to get rid of this plan you got duped into as soon as possible. As in, call this financial adviser today and tell him youre cancelling your plan. Then read the WikiFAQ on the sidebar to see what you should really be doing although you might need to do some Googling to see what the equivalent retirement plans are for your countries. At your age and income level, you shouldnt be paying anyone anything to manage your money, it wont be worth the cost as you just learned the hard way. 