Where to save after end of Halifax savings account year?

[Yippee]

Apologies if this already posted.
Have saved for first child into Halifax savings every month and then put monies at end of year into Ctf or national savings bonds. What does everyone else do? Ctf is stakeholder and loathe to put all money in there when stock market so shaky. Ns&i bonds though safe are on low rate. Do you use fixed rate saving ie with Yorkshire Bank or alternative bond ie with Scottish Friendly? Cash it in and make merry? Buy gold coins?

I've just converted one of DS's savings accounts into a fixed rate 1 year bond and will do the same for the other next week. I'd have gone for three year bonds but would hate to find interest rates went up in 2 years time and he was locked into something disappointing!! Nationwide were offering 3% and Halifax something similar. I've set up the bonds for him as a non-taxpayer so those rates are net rather than gross.

I also contribute an amount each month into a Junior ISA, taken out this year, and a Children's Unit Trust that was taken out when he was born (pre CTF scheme). My rationale there is that a shaky stock-market is not necessarily a bad thing when looking at a 7-year investment period (he's 11 now) .... everything is relatively cheap at the moment and, with a bit of luck, it could pay off. So that's my approach... 'diversification'