PERSONAL FINANCE TEAM

Lauren Davidson Head of Personal Finance @laurendavidson

Sam Brodbeck Personal Finance Editor @sambrodbeck

Contact us 111 Buckingham Palace Road, London SW1W 0DT money@telegraph.co.uk

Your information Any physical documents you send cannot be returned and will be securely destroyed so only send copies.

Please take independent advice before making financial decisions. Responsibility, legal or otherwise, cannot be accepted.

Online All articles in this section appear online, where readers can also comment and share. For reasons of space, some articles are online only.

telegraph.co.uk/money

Newsletters For the best of our stories, tips and ideas delivered straight to your inbox, sign up for our weekly Money and Investor emails.

telegraph.co.uk/ moneynewsletter

telegraph.co.uk/ investornewsletter