Help next to a income please?

Just over 5 years ago my mother (part time arts school dinner lady) , in a minute 63, took out a UK stakeholder emploers allowance manage by scotiish equitable. She compensated contained by lb12.04 a week and her employer rewarded lb5.02 totalling lb17.06. Over a 5 year interval the total remunerated contained by is roughly lb4,500. She is going on for to retire and they hold sent her a for next to 2 alternatives 1. she have a lump some of lb1700 within full settlement, or lb533 lump sum and lb 91.00 a year guaranteed for 10 years.

What should she do?

Why if she and her employer enjoy rewarded within lb4,500 is the total allowance fund just worth roughly lb2000?

Should she be advise NOT to unify a allowance undertaking at her age since if she'd own put adjectives her contributions within a jar contained by the kitchen she's still hold have more even short the employer contributing too? (lb12 x 52 x 5 = lb3125)

I am wrong, or missing something?,

What the best thing to do or complain to?

Answers:
looks approaching who ever have control of the investments be one dumb investor -- i could hold done that well brought-up throwing dart at the open market board -- i contemplate i would look surrounded by to getting a attorney and I don`t know going after the company beside a class behaviour imperative suit!


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