Hi all. I tried to search for the answer but couldn’t find it.

I currently have a Moneybox LISA at 0.6% interest. I understand and have read up on how LISAs work as far as I am aware. Understand the limits etc.

Put 4k in. 1k bonus to retire or buy a first home under 450k…?

I have previously managed some of my own money via Trading 212 and used plum to invest. I have had fairly good results, around 10% with help from a friend who is a lot more into it than I am in terms of research.

I was kinda thinking, if I was considering buying a house in 3-4 years, is it better to go for the latter and focus on S&S? 5-12% year on year with the added freedom it would allow compared to LISA.

I am currently 21, taking home £18525 as I am part time studying masters for the next 2 years which is kindly paid for by work. I live at home for now, and have monthly outgoings of around £400 so can save around £800pm for a year and a half till I will probably rent.

As of April I plan on first making sure to contribute significantly to my pension, then focus on what is above. Trying to get set up for work and some upfront costs finishing uni meant I haven’t been adding to my pension but understand the importance.

Hopefully that’s enough context and apologies if it’s been answered.