This decision should be based on your long-term goals and factor in any immediate needs. If you have funds spare that you can afford to set aside for a fixed period of time, a fixed rate bond is an excellent way to grow those funds with a higher interest rate. For more flexibility, a notice account, including the tracker account, may be more attractive as it will allow you to withdraw funds provided you give the required notice period. Alternatively, an easy access account allows you to deposit and withdraw funds at any time.