<prompt> Human: Hello rpersonalfinance.My best friend and I are planning on saving 8,000 UK each over the next 9 years. We want to put the money somewhere that will work for us and also make a rule that we cant withdraw it until the target is reached.Weve thought of a joint bank account but the interest would only be 12 ish.An ISA would give us nearly 3 but its only for 5 years.Premium Bonds would be a good shout but its accessible. Anyone got any other ideas? Thanks  <response>: OP DO NOT open a joint savings account with your friend. Even with best of intentions there are too many things that can go wrong. And 10 years is more than sufficient time for shit to hit the fan. 