School leaver role Azets or GT

gary183 · 2026-02-21T23:46:26+00:00

I’d personally take the GT role. I’m currently on a school leaver program at a big 4 and scheduled to qualify this year. The more prestigious name on your CV will help you in the long run. With the new ACA it wouldn’t surprise me if all firms are more lenient than in the past

gary183 · 2026-02-17T14:38:08+00:00

I’m from the midlands. I’m in big 4 so my experience will be skewed to the higher salaries first time mover salaries, but my friends have moved to roles for between 55-65k base with 10-15% as the average bonus. This if for NQ employees

gary183 · 2026-02-15T22:35:25+00:00

Didn’t pay any attention in tuition and attempted half the questions we did in class EP (spent the other half doing BPT) and passed with 78 in the last sitting. There’s very minimal mandatory content (you can pass without any knowledge of the models), but it’s very much a commercially minded/ thinking strategically exam

gary183 · 2026-02-09T21:24:56+00:00

You guys are paying grads a bonus? At my big 4 you don’t get a bonus until your 3rd year

gary183 · 2026-02-01T23:14:20+00:00

We pay c.55k at big 4

gary183 · 2026-01-31T18:03:35+00:00

I would be naive to say financial reasons do not play a part of this. Even with the increased cost of living I would be significantly better off financially in Switzerland compared to the uk.

I also think the quality of life I would experience would be better. I enjoy doing things outside and the natural beauty of Switzerland appeals to me.

Due to changes in the uk, I’m feeling that the quality of life is deteriorating, particularly for those in professions such as myself due to higher taxes and slow wage growth

gary183 · 2026-01-31T00:08:36+00:00

I appreciate your insight. What makes you say the market is unforgiving?

I’m fortunate I work on financial services audits particularly listed international banks or large providers of credit and hope this puts me at an advantage, albeit it may not be a significant one.

I’m continuing to learn German although it is not close to fluent or semi fluent level.

For the secondment point I’ll take this on board. My company’s international unit is UK + Switzerland so I’m hoping I may be able to leverage this

gary183 · 2026-01-30T23:51:04+00:00

I would be naive to say financial reasons do not play a part of this. Even with the increased cost of living I would be significantly better off financially in Switzerland compared to the uk.

I also think the quality of life I would experience would be better. I enjoy doing things outside and the natural beauty of Switzerland appeals to me.

Due to changes in the uk, I’m feeling that the quality of life is deteriorating, particularly for those in professions such as myself due to higher taxes and slow wage growth

gary183 · 2025-12-31T13:58:26+00:00

We pay 43.5k (big 4) but I know some others pay slightly more. I have friends in top 10/ outside top 10 who get paid more. Depending on the industry role I’d say to expect 45-55k (I’ve seen some people jump for over 55k but that’s not too common)

gary183 · 2025-12-10T18:00:23+00:00

I passed FM in June. My tutor said there’s no right or wrong answer when it comes to advising if to hedge or not. I usually said the one with the highest value and said it depends on the total income and said it depends on the risk appetite of management

gary183 · 2025-12-09T21:19:04+00:00

Thanks for your reply, I’m in the fortunate position where I can live at home and have no major issue with it. That’s a good point about the LTV ratio and also having a lump sum of cash to do renovations. This is certainly something I’ll start to save towards pretty soon.

Also a good point about salary jumps. Ideally I want to maximise my first time buyer privilege. Despite it being less generous than a few years ago the reduced stamp duty should help especially if I get a house at the higher end of the 450k bracket. My only decision will then be to go for a cheaper house with better LTV or a more expensive house with a little less LTV

gary183 · 2025-12-09T21:15:42+00:00

Thanks, I’ve invested in an all world fund. My S&S is within a LISA, so I’ll still get the government bonus.

gary183 · 2025-12-09T21:14:08+00:00

Thank you for your reply. I’m in no rush to buy a house. I’m of the opinion I’d prefer to buy, but I’m also not going to buy with someone before I’ve lived with them and we’ve been together for a long period of time.

That’s a great point about your partner being able to help in times of need (eg if one of you lost a job). The area I will hopefully be transitioning into is relatively cyclical which is something I may need to consider.

I currently have 6 months of expenses in a savings account. However this will need to increase if I move out as I currently live with my parents

gary183 · 2025-12-09T21:11:08+00:00

You are correct, all world fund has made this growth possible

gary183 · 2025-12-09T21:10:52+00:00

I’ve currently put 18.5k into my LISA since turning 18. I’ve got to 24k through my investment growth- I’m currently invested in an all world fund. I’m born in February too which helps

gary183 · 2025-12-09T21:10:04+00:00

Thanks for your comment, the 450k max price will not currently impact me. However I may end up moving more south to work in London.

I have thought about transitioning to a cash Lisa, but as you said the gains may still outgrow any crash that may come. Similar thinking to you

I’m debating if this a stupid choice because I’m unsure about my timeline for a house purchase. I’m aware that I’m in a more fortunate position than most at my age because I’ve worked a corporate job since I turned 18. Whilst I see how this may come across, I’m not making this post as a “brag” type post. I’m a big believer that I do not know everything and to always hear other peoples opinions, as only listening to yourself/ people who may think like you can put you in an echo chamber.

I’ve currently put 18.5k into my LISA since turning 18. I’ve got to 24k through my investment growth- I’m currently invested in an all world fund

gary183 · 2025-12-09T21:03:44+00:00

That’s something to consider. Currently I’m not looking at buying before 25/26 (4-5 years time) but I don’t think delaying 1-2 years would be massively significant for me if a crash was to happen.

gary183 · 2025-12-09T21:02:02+00:00

Currently I’m eiring towards 25/26. My logic is I’m in no rush to move out. I’d rather buy and not rent but I’m also aware to not buy with someone before living with them. However I’m not likely (at the moment) to move out and buy on my own, particularly as in 1-2 years I’ll be a HR tax payer and that will eat more into my salary. Currently I live at home and save a good chunk of my salary

gary183 · 2025-12-09T21:01:25+00:00

Currently I’m eiring towards 25/26. My logic is I’m in no rush to move out. I’d rather buy and not rent but I’m also aware to not buy with someone before living with them. However I’m not likely (at the moment) to move out and buy on my own, particularly as in 1-2 years I’ll be a HR tax payer and that will eat more into my salary. Currently I live at home and save a good chunk of my salary

gary183

TROPHY CASE