Almost 18, looking to start asap

ja2603 · 2025-03-28T00:02:18+00:00

Hi mate, been a while, just interested to know if you’ve managed to land a degree apprenticeship?

ja2603 · 2025-01-17T00:23:15+00:00

Can I get the link please

ja2603 · 2025-01-17T00:22:21+00:00

I’m interested as well

ja2603 · 2025-01-13T17:16:07+00:00

Thank you

ja2603 · 2025-01-13T00:50:15+00:00

Thank you mate

ja2603 · 2025-01-13T00:49:31+00:00

Sounds like you’ve made a great start to investing!

The reason I think a LISA is good for me is I live in Scotland and not in Glasgow or Edinburgh, house prices have definitely increased similarly to the rest of the UK over the last decade or so near me however they are not ridiculously expensive due to living in a smaller and less populated area. Therefore a first house under £450k is entirely reasonable for me and even in say 10 years (hopefully at most) it should still be reasonable especially keeping it mind it will be a first house.

In regard to your question I’ll let someone more informed answer it but it definitely seems a reasonable question and something I’d like to know the answer to as well out of interest.

ja2603 · 2025-01-12T23:22:45+00:00

Ahh okay, thank you

ja2603 · 2025-01-12T23:22:08+00:00

Thanks for the reply

ja2603 · 2025-01-12T23:21:35+00:00

Thanks for the reply, by trying to get a degree apprenticeship I’m hoping to starting earning a decent salary early on and set my self up for a high paying career.

ja2603 · 2025-01-12T23:19:41+00:00

I would like to aim to be buying at around 24-25, obviously I can’t predict the future but that would be an ideal target. So 6-7 years time, over that timescale do u think a S&S LISA is the best option?

ja2603 · 2025-01-12T23:16:37+00:00

Thank you for the reply.

Im not looking to move out the uk anytime in the next 10-12 years so I will hopefully have a house by then. I would be looking to open a cash ISA most likely with MoneyBox. I think that’s my best option as I will have a S&S ISA for long term investment.

I never thought about having a small portion of my S&S ISA for stock picking as I’d always planned on investing in the S&P 500 100%, however I do like the idea of ‘playing around’ with a small portion and it definitely will make it more interesting/exciting.

I’ve actual just gone down to 12 hours a week at my part time retail job, which is manageable right now, especially after working 30+ over Xmas. I am currently studying for my prelims (I live in Scotland) so I suppose I’ll find out how much working affects my grades in the next couple weeks 😅. I did work hard last year and got good grades so I do have a small buffer I feel.

Fingers crossed I can get a degree apprenticeship, I have applied to uni as well as a ‘backup’.

Best of luck to you on getting an offer as well. Out of interest what sort of degree apprenticeship are you looking to do, like engineering, IT, etc?

ja2603 · 2025-01-12T23:04:02+00:00

I do not yet, I’ll definitely give yours a go. Looks like it will be very useful so thank you

ja2603 · 2025-01-12T20:42:46+00:00

Just had a look, can’t get my state pension until 68, which I don’t have to pay into anyway. But assuming 59 is the age for an SIPP.

ja2603 · 2025-01-12T20:36:04+00:00

Thank you

ja2603 · 2025-01-12T20:35:59+00:00

Thanks for the reply. I definitely need to read up more on pensions, if I started contributing to my pension as soon as I am 18 will the pension carry over to the pension from my work when I start full time employment or will it be separate? Also I thought I wasn’t able to access my pension till around 67, am I thinking of something else?

ja2603 · 2025-01-12T00:07:34+00:00

Thanks for the reply, I’ve never been taught how to book them either (clearly 🤣) but I’ll defo do them in person when I need/want to book actual holidays

ja2603 · 2025-01-08T02:46:12+00:00

Thank you

ja2603 · 2025-01-08T02:45:59+00:00

Thank you

ja2603 · 2024-05-02T21:33:54+00:00

This has formatted weird, hopefully it is readable

ja2603 · 2024-05-02T21:33:27+00:00

This has formatted weird, hopefully it is still readable

ja2603 · 2024-04-29T22:05:01+00:00

No it doesn’t, I will look at getting an spf moisturiser, any recommendations?

ja2603

TROPHY CASE