But where?

[TTCJJB]

I've been building up my savings in advance of a second maternity leave. Given that I'm not expecting the money won't be needed for some time.

I have 15k currently sat in a 4.5% instant access account but the rate dramatically decreases next month.

I've never held any ISAs/S&S so a complete novice. Where should I move my money too please?

Edit - Sorry I should also add I have a car and sofa on 0% finance that expires in Novemeber so pointless paying that off.

Mortgage circa 63k fixed at 1.29% so doesn't seem worthwhile making any overpayments until the deal comes to an end in a couple of years.

General advice is S&S is for longer term investing to avoid market volatility - if you're hoping to conceive in the next year or so it may be a more risky option.

What about either fixed term isa or regular saver? Both you should be able to find a reasonable rate and not lock money away for too long; even a 1 year fix with 9 months pregnancy you wouldn't be needing it until a month or so in depending when you get pregnant

Google the highest paying cash ISA and put it in there. You should be able to get about 5% interest.

Trading 212 are paying 4.9% on their cash ISA.

How long is 'some time'? As PP have said, investment is for the long term - 5 years absolute minimum, ideally 10 years+.