Unless you are planning on using the money for retirement or a deposit for the purchase of your first property , do not open a LISA . You say it ' s just money you don ' t need at the moment , but things can drastically change . If you invest in a LISA and you suddenly need the funds , you will be hit with an extremely heavy early withdrawal charge of 25 % of any money withdrawn before the age of 60 . Unless you can absolutely guarantee you will only access the funds at retirement or for a deposit for your first property , then you can consider going ahead with it . <| sep |> Moto g 4 xt 1621 and shinecon V 1 <| sep |> Does this mean Giovinazzi passed up on the offer from Mercedes ? What is his plan ? He keeps saying he ' ll think about it on Monday but surely there aren ' t going to be options left the longer he waits .