I have around £100k to put to good use in this difficult age of low returns.

I already have around £190k in isa's such as special situations etc.

Because of our need to use the monies I need to be able to get relatively easy access without penalty.I would prefer to keep away from fixed bonds and so forth.

Looking at yields in products such as money builder growth fund,growth income fund and money builder it would seem that perhaps splitting the £100k across these 3 or even putting rainy day money into Tesco easy access might make sense.What about tax implications?

Thankyou

Barry