maximising savings interest

redpin_2

need advice/opinions of where i should put my savings to maximise the interest; these are the options i've come up for myself

£12400 including this years ISA into the 5% ISA from CB ; which will get me £3000+ in 5 years time http://cbonline.co.uk/
this company was posted in another thread yet theres not really much said about them? would it be a risky move of such

the other money i'd put into NS&I Interest linked certificates

or keep my loyality with halifax; putting 12400 into the fixed 5 year ISA account
which offers slightly less at 4.75% / -£140 in comparison
put the current money into a fixed account, & the rest i save into monthly savers/ variable accounts

regards

Consumerist

Strange as it may seem, we are all trying to maximise our return on savings.

A five-year fix is a bit too rich for many of us. There is a wide belief that interest rates will start to rise again by end of this year. There is also a fear of inflation which could push up rates in the medium term.

What looks like a good rate now may not be so attractive over the next five years. A shorter term outlook might be more prudent. Indexed-linked certificates could be a sensible each-way bet, though.
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