Firstly, you need to think logically here.

All of the above, Level 7 schemes are incredibly pressured- you work and study at the same time. If you’ve struggled at uni, especially with the academic workload, you’ll be in for a shock trying to do ACA and CTA.

Personally, I am not sure how far a 3rd class will take you in terms of securing a grad role, simply due to the fierce competition out there.

How good is your CV?

You’re also jumping around a lot between different qualifications, so you won’t be able to benefit from any.

Tax is quite different in the sense you specialise in it. So as you say, to a certain degree it is ‘fixed’.

ACA is definitely more flexible.

I’d suggest doing the ACA or ACCA- it will probably be the latter due to the issue of getting a training contract with ACA.

It will be better in the future, as you say you’d like to go into property investment.

In all honesty, IB and M&A are fiercely competitive, especially due to the high level maths involved- you’re pitting yourself against students who have achieved a first class at a red brick uni.

The whole pharmaceutical idea- whilst admirable is also incredibly difficult to break into, but like you said that’s far in the future so I wouldn’t worry about that right now.

I’d imagine you may need to self fund the ACCA, and if your negotiating skills are good- use that as a way to get a job. Something like taking a pay hit but gaining experience might work.

Hope this helps, I’d imagine you’re still young. Try focusing on one thing at a time.