I've just been notified in a significant interest rate drop for my children's savers accounts, and it's got me thinking if there's a better way I can hold and grow this money for them? I know now is probably not an ideal time to invest money, but wondered if anyone had any words of wisdom for me as I'm really clueless when it comes to investments and shares. There's about £12k between the two kids, they're only young, so money won't need to be accessed for at least 10-15 years. Am I better off just looking for an account with a higher interest rate? Or should I try and invest it? The money cannot be lost or put at risk, so would have to be a no risk to initial investment type thing. They also get small sums of money paid into these accounts for birthdays and xmas. Would it be worth investing some and holding some back? Any help/knowledge would be greatfully received! Thanks