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You can also use the LISA to invest in the stock market. The LISA functions as an alternative to a pension: you can save into it for either a home, or until you are sixty, though you cannot deposit any new money beyond the age of 50. (More on using a LISA as an alternative to a pension in the pensions chapter). The downside is that, unlike the Help to Buy ISA, you cannot withdraw your cash unless you are buying a house, or until you are sixty, though, whichever is sooner, without being penalized by losing interest.