I have worked hard to pay off all my outstanding debts, and achieved a net worth that has a 'positive' symbol in front of it. My total savings at this juncture are around $5000 and my fortnightly contributions are expected to remain steady at precisely $500 a fortnight for the two years to come. I rent a house and have a company car.

My total assets include one neglected motorcycle and a case of scotch.

This saved money goes into a savings account with 'local bank 003' and generates 3.71% interest P.A paid monthly PROVIDED I don't withdraw any money.

This is the best savings account I could find amongst the major banks.

My question here is, is this the best thing I could be doing with my fortnightly scrimpings? To invest heavily in some thing or other takes a chunk of capital, and that capital, I assume, can't be paid into at steady amounts, so what options are available to someone with a small initial investment of $5000 and regular input that's going to net me better than 3.71% P.A?