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Moira O'Neill

Investing Columnist

Moira is an independent freelance investment and money journalist. She was previously head of content at interactive investor, editor at Moneywise, personal finance editor at Investors Chronicle and deputy editor at Money Observer. She has won a Wincott Journalism Award and written two personal finance books, Finance at 40 and Saving and Investing for Your Children.

Email Moira O'Neill @MoiraONeill  on Twitter (link opens in a new browser window)
  • Saturday, 14 December, 2024
    Insight & Comment
    Why pensions planning can feel like trying to nail jelly to a wall

    For decades, our retirement finances have been a political plaything

    A money safe with a dripping background
  • Saturday, 7 December, 2024
    Investment trusts special 2024
    Investment trusts: a 150-year-old industry under siege

    Demand from investors is in retreat as the popularity of passive funds and fixed income rises — but loyalists are convinced that opportunities remain

  • Friday, 6 December, 2024
    Investment trusts special 2024
    Are ‘hero’ trusts the answer for income-seeking investors?

    Twenty LSE-listed investment trusts have increased their dividends for at least 20 years in a row.

    Folder with a gold star
  • Friday, 22 November, 2024
    Insight & Comment
    Quick fixes to lower your inheritance tax liability

    Act before pension pots are swept up by the tax net

    Illustration of an elderly woman and her house inside an hourglass
  • Friday, 8 November, 2024
    Insight & Comment
    The great post-Budget pensions rethink

    But there are several tools you can use to cut an IHT bill

    Commuters walk along the concourse at London Waterloo station
  • Wednesday, 30 October, 2024
    Insight & Comment
    Will investors live to regret their pre-Budget actions?

    Gains may have been locked in too soon in anticipation of a bigger CGT increase

    Rachel Reeves
  • Friday, 25 October, 2024
    Insight & Comment
    Investment apps: are they up to scratch?

    Beware the time-consuming lure of gut-reaction trading from your handset

    Illustration of a person standing on a large phone with a maze on it
  • Thursday, 24 October, 2024
    Q&APersonal pensions
    Is it wise to take out my pension tax-free lump sum?

    Investment firms report a rush of clients looking to withdraw cash before the Budget

    Montage image of hands holding a piggy bank over a chancellor’s red box
  • Saturday, 12 October, 2024
    Tax
    The couples’ conundrum: joint or separate finances?

    In many cases, it’s best — financially — to go your separate ways

  • Monday, 30 September, 2024
    Special ReportFTfm: Pensions
    Pension investors seek better means to force action on climate

    Savers with environmental and other ethical concerns now have plenty of options to vote with their money

  • Friday, 27 September, 2024
    Personal Insurance
    Are you paying too much for insurance?

    Many take out the wrong kind of protection insurance, leaving them with overlapping — or inadequate — cover

    An illustration of a person holding onto the pole of a large red umbrella, floating in the sky among swirling blue clouds. Autumn leaves are falling around them, with the person dressed in a yellow sweater and white pants
  • Monday, 23 September, 2024
    Special ReportFTfm: Pensions
    Tomorrow’s pensioners face up to working — and saving — for longer

    Despite opposition, governments are forcing through changes to make pension systems sustainable

    A group of elderly individuals sit together on a bench in a park, engaging in conversation
  • Friday, 20 September, 2024
    Insight & Comment
    Should you always ‘fill to the max’ on tax-free allowances?

    Investors are rushing to use their allotments for Isa and pensions accounts in anticipation of Labour’s first Budget

    Illustration of two figures with pound coins for heads, one with a tick on their shirt and the other a cross. Where the coins/heads intersect is the word Isa
  • Friday, 13 September, 2024
    Insurance
    Reader callout: Have you taken out insurance you regret?

    The Financial Conduct Authority has expressed worries that some products may be poor value

  • Friday, 30 August, 2024
    Inheritance
    Inheritance tax: how to prepare for the Great Wealth Transfer

    Work out what you want to achieve and start early. The principles will probably remain the same, regardless of any changes in the autumn Budget

  • Friday, 16 August, 2024
    Inheritance
    How do you plan to deal with the Great Wealth Transfer?

    FT Money wants to hear about your experiences

    Different generations of a family on a beach
  • Friday, 16 August, 2024
    Insight & Comment
    Junior Isa rich kids are sitting on pots of gold

    New data shows the wealthiest have more than £750,000 in their accounts — but you don’t have to be a millionaire in the making to enjoy the fruits of tax-free savings

  • Saturday, 27 July, 2024
    Insight & Comment
    Become a landlord? You’re better off putting your money in the bank

    The latest data suggests buy-to-let purchases are down, mortgage lending has dropped off and the sector is shrinking

  • Saturday, 27 July, 2024
    Personal pensions
    Entrepreneurs, are you paying enough into your pension?

    Four in 10 self-employed people are not on track for even a minimum standard of retirement lifestyle

  • Saturday, 13 July, 2024
    Financial Advice
    Why are fewer people getting financial advice?

    Numbers are down on last year, thanks in part to the burden of new regulations. But is this necessarily a bad thing?

    Montage of woman from behind with pen and pound signs and exclamation marks
  • Thursday, 4 July, 2024
    Investing in funds
    How to crack investing for retirement income

    Britons need urgent help with their long-term savings

  • Friday, 28 June, 2024
    Insight & Comment
    Wealth managers need to adopt AI — and fast  

    The industry is at risk of overplaying the quality of its ‘human’ support

  • Friday, 21 June, 2024
    Savings accounts
    Should you really open the Bank of Mum and Dad?

    ‘Nepo-investors’ are on the rise, but will they spend wisely?

  • Friday, 14 June, 2024
    Insight & Comment
    Tax anomalies that keep experts awake at night

    The UK has the world’s longest tax code — and the politicians don’t seem keen to change that

  • Friday, 7 June, 2024
    Insight & Comment
    Dreaming of retiring abroad? It’s more difficult than you think

    Popular destinations for expats have tightened their tax regimes

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