National Savings Certificates

[bad company]

I think these certificates are now closed to new investors but I still have a few. As they mature they can either be re invested or cashed in. If I re invest the deal is index linking +0.01% but free of UK taxes so no worries about CGT or income tax.

So the return is very small but probably better that I would get for cash in a bank. Most of my other investments are in equities or bonds so perhaps I should keep a bit of cash but on the other hand I know I could generate a better in low if I sold the certificates and invested the £'s elsewhere.

Any thoughts?