Building a personal wine cellar can be a daunting endeavour for the enthusiastic amateur, which is why wine merchant Jeroboams has come up with a cellar plan that allows you to invest as little as £100 a month to create a bespoke wine collection. You can have as much or as little input as you like: from merely deciding the ratio of reds and whites to selecting particular regions, grapes and price ranges.

A growing number of bankers are using the service, according to Jeroboams, spurred on by friendly rivalry with colleagues to create the most impressive collection. City workers also tend to be at ease with the more speculative aspects of wine collecting, such as buying wine early en primeur.