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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)
  • 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

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  • 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?

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  • 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

  • Friday, 24 May, 2024
    Insight & Comment
    Bond funds: a refuge as interest rates fall?

    It’s time to look again at fixed income

  • Friday, 17 May, 2024
    Personal Finance
    Will a mortgage scupper your retirement?

    City watchdog predicts more over-65s will have outstanding home loans in the future

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  • Saturday, 11 May, 2024
    Private investing
    Investment trusts troubles present an opportunity

    Act now before the Lords’ reform — the discounts may disappear

  • Friday, 3 May, 2024
    Personal Finance
    Can you afford to retire early?

    For many, escaping the 9 to 5 is an alluring proposal. But how can you ensure you don’t run out of money — or get bored?

  • Friday, 19 April, 2024
    Insight & Comment
    Don’t let your pension run out of money

    Drawdown investors need to be prepared for high inflation or a market crash

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  • Thursday, 4 April, 2024
    Insight & Comment
    Gold or gilts: which is best for inflation protection?

    An all-time high for the yellow metal is a sign drawdown investors should examine their reasons for holding it

  • Friday, 22 March, 2024
    Investing in funds
    Isas: the nation’s tax-free favourite turns 25

    The tax-sheltered investment scheme provides a lifeline for millions of savers

  • Wednesday, 6 March, 2024
    UK Budget 2024
    Do we really need another Isa allowance?

    The chancellor’s effort to boost investment in UK companies simply adds to the savings vehicle’s complexity

  • Friday, 1 March, 2024
    Insight & Comment
    Pensions: to crystallise or not to crystallise, that is the question

    Some advisers are recommending their clients act now to protect against a future tax charge

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