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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, 24 May, 2025
    Personal pensions
    How to cash out a pension (and not get a massive tax bill)

    With inheritance rules changing, people need to stagger drawdowns to minimise tax hit

  • Saturday, 17 May, 2025
    Financial Advice
    Is it time for a ‘mid-retirement MOT’?

    Giving your finances a check-up can be vital for those who embarked on retirement on an unsustainable financial footing

    Senior couple using laptop
  • Friday, 9 May, 2025
    Insight & Comment
    Are you falling foul of IHT gifting rules?

    HMRC hasn’t changed its gift exemptions for more than 40 years. But there are ways to avoid tax

    Illustration of a gift box with an envelope springing out of it with the HMRC logo
  • Saturday, 22 March, 2025
    Insight & Comment
    How to spot a dodgy tax scheme like the one that tripped Dettori

    HMRC’s pursuit of racing star is an indication of its renewed attention on avoidance

    Montage of Frankie Dettori on a racing horse, HMRC logo and a tax form
  • Friday, 14 March, 2025
    Insight & Comment
    Even A-list actors couldn’t convince us to green our pensions

    Filmmaker Richard Curtis’s campaign has bitten the dust — an unfortunately predictable ending

    Illustration of a wind turbine, Richard Curtis, money, a pie chart, a dying plant and a ladder
  • Thursday, 6 March, 2025
    Isa Guide 2025
    What’s going into your stocks-and-shares Isa this year? 

    Diversification is key if you’ve benefited from the US tech boom

    Illustration of a kitchen counter with a mixing bowl, spilled flour, broken egg and a book of financial information
  • Friday, 28 February, 2025
    Insight & Comment
    Venture capital trusts have little reason to celebrate turning 30

    Fundraising for the tax-efficient assets is up 10 per cent this year — but they remain a niche choice

    Illustration of sharks swimming in the sea with a line chart in the sky above ending with a decline
  • Friday, 7 February, 2025
    Insight & Comment
    How to retire and not run out of money

    Theories differ, but most say plan for the ‘retirement smile’ spending pattern

    Illustration of a calendar with squares for saving money, holidaying and retirement
  • Saturday, 1 February, 2025
    Personal pensions
    Retirees can struggle to shift the ‘saver mindset’

    Spend or save is a tricky balancing act as we age

    Montage of an older woman in thought and a jar of coins being tipped out
  • Monday, 27 January, 2025
    Special ReportFTfm: Fixed Income
    Does lower inflation make bonds an appealing option for portfolios?

    Gilts can offer an attractive income that is regular, predictable and contractual

    A close-up view of a stone wall with the words ‘HM Treasury’ engraved on it, with architectural columns and a historic building in the background
  • Friday, 24 January, 2025
    Personal Finance
    Reader callout: do you plan to retire abroad?

    Will tax and succession planning affect Britons’ choice of destination?

    Beach at Phuket, Thailand
  • Saturday, 18 January, 2025
    Insight & Comment
    Investment trusts under fire again — are they finally listening?

    Activist’s attack on ‘miserable seven’ highlights some well-known complaints

    Activist investor Boaz Weinstein
  • Friday, 10 January, 2025
    Insight & Comment
    Your new year pension tidy up could drag on until spring

    Why is it so difficult to transfer your retirement savings to a new provider?

  • 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
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