Investment & Investing

Interested in a few things:

1. Long term savings for my son / my yacht, depending how I feel about him in the future.
   
   

Low risk, just sitting there and if it earns, great, if not, meh. Looking at 15+ years minimum. Don't want to be tied to regular minimum monthly deposits. Have a couple of grand in premium bonds for him at the moment. Could plod along with these, depositing similar amount each year if they're the best for purpose. Otherwise open to alternatives.

1. Mid to long term low risk pot as a lump sum to dent mortgage in my 40s.
   
   

Would like to start with about 20k and see what that could potentially earn in 10+ years . I'd like to see theoretical returns on whether it could outperform the reduction in interest/years if I just used the sum for early repayment now.

1. Also interested for novelty value in very high risk, short term but not the kind of product where I'd need to put any real effort in myself - so something managed I guess. Relatively small though. Maybe 10k. This is my "I missed bitcoin so what else is out there" request. Would want to cash out if there's any left within a year. Again, purely for novelty rather than need so not concerned by how ludicrous the risk (unless it's deep sea mining funded by the CIA).
   
   

Nutmeg and others sound fun - can you dictate risk levels of your portfolio?