one big ISA or 2 separate? fixed or easy access?

Vladislavs

Hello everyone, just registered here.
Last week i was thinking to open santander 2.5% easy access, but noticed its been withdrawn so as leeds BS 2.55% as well, oh well!!
Is anyone thinks that we will get in the near future a better rate than curreent 2.3% Chesire BS?
im currently thinking about fixed rate 3 year ISA, 3% seems very good at the moment, but 3 years.... too long perhaps? imagine next year or year after rates wil go up and you will be able to get 3% on easy access and 3.5% fixed? there is a risk to be trapped.
Ive got the same dilema right now, to put 15k all together on Chesire BS 2.3%, that will give me 345£ per year or
To put 13100£ from previous years on a fixed rate 3% halifax, and another 1900£ on Conevtry BS 2.6%, which will give me 393£+49£ = 442£
So question is 345£ a year and easy access, or 442£ and 13k stuck for the next 3 years on 3%.........
Thats 97£ better for fixed rate!
Anyone can comment? If rates will stay as they are low, then for sure 3% is a good fixed rate, but if they suddenly will go up next year, then im trapped!

RoxRoxBling

First of all you've got more interest
However I think it depends on whether you personally need that money if you fix it for 3
Interest rates aren't in a hurry to rise.

Vladislavs

RoxRoxBling wrote: »

First of all you've got more interest
However I think it depends on whether you personally need that money if you fix it for 3
Interest rates aren't in a hurry to rise.

yeah i think im able to put it away for 3 years, dont think i will need them in the near future anyway. thats not the question im thinking about, but about not being trapped next year or the year after when (if) rates will go up.
For example even last year it was possible to open an ISA with 4% tax free! and of course this year everything gone down, but that doesnt mean it will not come back to 4% next year!!?

RoxRoxBling

Who knows how interest rates will change?
Who predicted that Santander would withdraw their top isas at the beginning of the tax year. because Last Year their 3.3% was available longer.