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Money earning poor rates...

Hi all,

First time poster in here. In the current climate, is there any way to get decent returns from savings? I have 2 Santander ISAs paying about 1.5% on a combined total of a little over 25k. I also have about 15k in a 123 current account (and I just did a 10k overpayment on my mortgage). Is there a better way to get this money working for me? Up to now I have done no investing as I am risk averse, but I think I would accept a little risk assuming the gains are significantly better than what I am currently at.

Any pointers?

Thanks
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