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Depends on your attitude to risk, in that case - stocks and shares tracker probably but there’s a real risk you’ll decide you need it at a bad time.
Especially as this might be an awful time to put a big chunk of money into something stocks based - market has fallen, lots of negative indicators suggesting it might get worse.
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I'd be tempted to split it - some in something easily accessible and 'safe' - like premium bonds or that new Chase account, and the other part in a standard index tracker of your choosing.
That split determined by your appetite for risk.
Or just buy 10k worth of Bitcoin #yolo
Where should someone look at sticking 10k if they may need access to it, but likely be happy to leave it alone for 3-5 years?
Currently it is in PBs but seems a "waste" as it is accruing roughly fuck all on a regular basis.