You sould go with whatever seems best to you. If you are wanting to know if next year's fixed rate deals will be better than now, you need to look into your crystal ball because mine isn't working.

Hi

My wife and I are now in a position to put our allowance of £5100 (plus 50’s) into this years ISA’s

Just wondering if it’s worth looking at a fixed term with the current low rates or just go with the first year at 3% with the option to transfer next year.

Also we both have £4500 in B&B ISA’s and £3700 in Egg ISA’s from previous years, would it be advisable to transfer these into this years preferred ISA?

Many thanks,

hotpepper