Ive finally saved myself up 10k. I will be looking to buy a house in the next year or so and this will eventually be my deposit. However I would like to know what to do with it in the meantime. Right now its sitting in an open access bank account with a very average interest rate (less than 4%). I want something fairly low risk so that I have have the deposit when I need it. I would like to be able to access the money when I want BUT I would consider locking it down for up to 6 months if the rewards were right. Obviously I can look at online savings accounts or term deposits to get a bit of a better interest rate - but even they are all falling and dont have much to offer. Anything else you guys can think of? Im really a newbie when it comes to investing. Cheers!