cutepet There are only 2 reason why you want/should to terminate.

1. You have CONCRETE plans to ensure the money can instead be put to immediate use for higher gains investment.
2. You WANT to spend the money.

If it's not because of reason no. 1, then continue with it. It forces you to save. Many people think they can save without a plan. In many cases, most actually can't, especially those who do not earn much. It hurts them to see the little that they have going away into a fund they cannot use for 9 years, in your case, 6 more years. But unless you can guarantee a higher return if you terminate, then my suggestion would be to continue with it. The returns are generally higher than Fixed Deposits.