CTF - now she's 18, where to put it?

[Gobimanchurian]

Just that really. She’s at Uni, there’s £20k in her CTF which hasn’t performed well, plus £6k in a separate building society account.

Both are sitting not doing well as we’re plagued by indecision. Thinking cash ISA for the £6k so she can get to it as needed in next few years, and something else for the bigger amount, could be less accessible more for house deposit etc?

Apparently cash ISA’s are aimed at tax efficiency but if she doesn’t pay tax is there a better account option?

She’s studying a language and will have a year abroad which makes me think perhaps she won’t settle in the UK (putting us off a LISA).

S&S isa’s need longer term investment right?

Thoughts welcome from anyone more qualified/who's had similar.

will be spent on uni costs over next year or 2. Never put much in so hasn’t amounted to much. Child very sensible so it won’t be spent other than what we’ve earmarked it for

What about one third premium bonds. One third a fixed bond of some sort around 5-6% and one third into a stocks and shares isa with someone like aj bell or similar. All 3 age can manage herself online with an app