CTF what type of sketch is the best contained by your judgment?

i have a stakeholder for 2 years and i keep losing alot of money, im thinking of changing to a reserves accounts, do you think im doing right?
and if so which one should i choose?

thanks x
Answers:    I think the reserves one is the best option because you're guaranteed not to lose any money on it and in the current climate that's all well-mannered. I think you can switch back to a stakeholder one from a savings one at a subsequent point if you think the economy's getting better. Nobody of our generation have a Child Trust Fund at all so something is better than nothing in my viewpoint!

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