FT Money editor Claer Barrett is joined by investment expert Alex Davies to discuss the perks and pitfalls of VCTs. Plus Emma Dunkley, the FT's retail banking correspondent, on why Lloyds is scrapping overdraft charges, and Family Money columnist Lucy Warwick-Ching reveals why HMRC's new tax-free childcare accounts are causing parents to have tantrums. Hosted on Acast. See acast.com/privacy for more information.