Invest or drink, that's the question faced by more and more folk these days as people are looking for different ways to get a return on their savings.

With returns regularly in double digits, investment in fine wine or scotch has never been more attractive, but I would say, buyer beware. If you opt for fine wine, do it through a company that's been established in en primeur for decades such as Tanners, Berry Bros & Rudd or Corney & Barrow because the wine trade has been blighted by fly-by-nights for years.

I find it's much easier with whisky because several of the established distilleries have barrel investment options and if at the end of your chosen investment period, you choose to take it in bottles, they will do that for you as well.

Personally though, my advice is always the same as with any long-term investment: only do it if you can afford to be without the cash for a long time, typically a decade or more because this isn’t a short term game.

Me? Well I'm far too interested in drinking the stuff to pay someone to stash it for me, so I'll stick with my pension fund!

Licanten Merlot, Idaho Estate La Ronciere 2018

The short version is Oh Wow because this really is a lovely fruit driven wine with considerable complexity for the rather simple price tag.

Corney & Barrow £15.50

M&S Collection Chablis

A refreshing apple-dominated nose with more of the same on the palate, a lovely nutty touch and a crisp clean and rather classy finish. Well done M&S

Marks & Spencer £15.00