Unbeknown to me my 80 year old mother was persuaded by the nice man at her local Britannia Building Society to invest 20k in an AXA bond. She is tied into it with a penalty that decreases with time. At the moment the penalty is £1000 to cash in the bond. She has had the bond since 2005 and it made £600 but has now lost £200 of that profit. My reaction was to panic and I organised a form for her to take the money out. Then I wondered if I wanted to be responsible for her losing the £1000 penalty.Any ideas? With the way things are at the moment (ie dire) should my ma panic and take the money out anyway??