Accessibility helpSkip to navigationSkip to contentSkip to footer

Cookies on FT Sites

We use cookies and other data for a number of reasons, such as keeping FT Sites reliable and secure, personalising content and ads, providing social media features and to analyse how our Sites are used.

Accept cookies
Manage cookies
  • Sign In
  • Subscribe
Open side navigation menuOpen search bar
Financial Times
SubscribeSign InmyFT
  • Home
  • World
    Sections
    • World Home
    • Global Economy
    • UK
    • US
    • China
    • Africa
    • Asia Pacific
    • Emerging Markets
    • Europe
    • War in Ukraine
    • Americas
    • Middle East & North Africa
    • Australia & NZ
    Most Read
    • Erdoğan extends rule into third decade with Turkish election victory
    • ‘Confidence is a big problem’: China’s economic recovery loses steam
    • Republican leaders try to quell debt deal revolt as US counts down to default
    • Spain’s PM Pedro Sánchez calls snap election after regional defeats
    • US debt crisis: Joe Biden gets the deal done but at a cost
  • US
    Sections
    • US Home
    • US Economy
    • US Companies
    • US Politics & Policy
    Most Read
    • Companies
      Sections
      • Companies Home
      • Energy
      • Financials
      • Health
      • Industrials
      • Media
      • Professional Services
      • Retail & Consumer
      • Tech Sector
      • Telecoms
      • Transport
      Most Read
      • PwC suspends 9 partners over Australian tax leak scandal
      • Temasek cuts pay of employees behind failed $275mn bet on FTX
      • Insolvency risk rises for larger UK companies as inflation bites
      • Mike Lynch uses $50mn in Darktrace shares to secure US bail
      • US retailers count the cost of surging shopping crime
    • Tech
    • Markets
      Sections
      • Markets Home
      • Alphaville
      • Markets Data
      • Cryptofinance
      • Capital Markets
      • Commodities
      • Currencies
      • Equities
      • Fund Management
      • Trading
      • Moral Money
      • ETF Hub
      Most Read
      • Temasek cuts pay of employees behind failed $275mn bet on FTX
      • Commercial property’s big reset will present opportunities
      • Turkish lira hits new low after Erdoğan’s election victory
      • Après debt ceiling deal, le T-bill déluge
      • Bank turmoil does not justify mission creep by deposit insurance
    • Climate
    • Opinion
      Sections
      • Opinion Home
      • Columnists
      • The FT View
      • Lex
      • Obituaries
      • Letters
      Most Read
      • How to buy a global $20bn company for nothing
      • Now the UK is finally tackling ‘Londongrad’, it’s time the US upped its game
      • Taking an electric car on the road is still a gamble in America
      • De-risking trade with China is a risky business
      • Citizens’ juries can help fix democracy
    • Work & Careers
      Sections
      • Work & Careers Home
      • Business School Rankings
      • Business Education
      • Entrepreneurship
      • Recruitment
      • Business Books
      • Business Travel
      Most Read
      • ‘Everyone has the right to completely log off’: what bosses think about the right to disconnect
      • Wellcome Leap’s Regina Dugan: ‘Odds are irrelevant, if what you’re trying to do is important’
    • Life & Arts
      Sections
      • Life & Arts Home
      • Arts
      • Books
      • Food & Drink
      • FT Magazine
      • House & Home
      • Style
      • Travel
      • FT Globetrotter
      Most Read
      • The UK’s best bakeries: the readers’ picks
      • The treasures of Mallorca’s Tramuntana mountains
      • GCHQ’s Jeremy Fleming: ‘Xi doesn’t want to see Putin humiliated’
      • The best summer road cycling gear
      • Yes, Suella Braverman should go, but not for the reason you think
    • HTSI
    MenuSearch
    • Home
    • World
    • US
    • Companies
    • Tech
    • Markets
    • Climate
    • Opinion
    • Work & Careers
    • Life & Arts
    • HTSI
    Financial Times
    SubscribeSign In

    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)

    Add to myFT Digest

    Add this topic to your myFT Digest for news straight to your inbox

    • Friday, 19 May, 2023
      Personal Finance
      How to invest in wind farms, motorways and mobile phone masts

      With governments banging the drum for infrastructure, retail investors should look hard at the opportunities

    • Friday, 12 May, 2023
      Advice & Comment
      Can Netflix really teach us ‘how to get rich’?

      Ramit Sethi’s series proves popular, but offers little that’s new

    • Friday, 5 May, 2023
      Advice & Comment
      Rate your fund manager for free

      Data providers are improving their no-cost online measurement tools

    • Friday, 21 April, 2023
      UK banks
      An open door for open banking

      Despite resistance from high street lenders, consumer services are multiplying

    • Friday, 31 March, 2023
      Advice & Comment
      My pick of the free DIY financial planning tools

      Look for easy access, good calculating options and nice graphics

    • Friday, 24 March, 2023
      Advice & Comment
      Are pensions really so good for IHT planning?

      The tax breaks aren’t as generous or easy to access as they look

    • Friday, 17 March, 2023
      ExplainerUK Budget
      Tax-free pension changes: what they mean for you

      FT Money’s analysis of chancellor Jeremy Hunt’s surprise Budget announcement

    • Wednesday, 15 March, 2023
      UK Budget
      Enjoy retirement savings boom while you can

      It’s a painful day for those who stopped contributing to a pension for fear of breaching the LTA

    • Friday, 10 March, 2023
      Isa Guide 2023
      Isas: time to take cover from tax

      The benefits of tax-free savings have rarely been greater

    • Friday, 24 February, 2023
      Personal Finance
      Tax year end — don’t forget your spouse

      Planning savings and investments together can save thousands

    • Friday, 10 February, 2023
      Advice & Comment
      VCTs: buyer beware, the tax benefits may not be worthwhile

      Anything with a wall of money flowing towards it makes me nervous

    • Friday, 3 February, 2023
      Personal Finance
      How to survive the financial shocks of redundancy

      Could you survive for long without a regular income?

    • Thursday, 19 January, 2023
      Advice & Comment
      An investment in self-denial this Veganuary

      The growth of dry January and a desire to eat less meat point to new ideas for investors

    • Friday, 13 January, 2023
      Advice & Comment
      How to spot a red flag fund

      Check your portfolio for underperformers and weed out the weak

    • Saturday, 7 January, 2023
      Millennials
      How to manage your pension without running out of money

      Cost of living crisis increases risks of taking out too much too soon

    • Friday, 16 December, 2022
      FT Money personal finance guides
      FT Money’s guide to parking a lump sum

      Shop around for best rates when depositing cash

    • Friday, 9 December, 2022
      Financial Advice
      Financial advice: is it value for your money?

      Many retail investors face difficulties finding a suitable firm

    • Thursday, 1 December, 2022
      Advice & Comment
      Festive investment trust bargains for all the family

      But do your own research before you put them in the Christmas stocking

    • Thursday, 1 December, 2022
      Financial Advice
      Financial advice: Is it worth paying for?

      Tell us how your experience of using an adviser worked out

    • Friday, 25 November, 2022
      Advice & Comment
      Seize the Isa advantage while you can

      The tax-friendly savings vehicle is crying out for simplification. But the benefits could be watered down

    • Saturday, 19 November, 2022
      Advice & Comment
      Inflation remains the key fight for your finances

      Ignore the market noise, keep calm and carry on

    • Thursday, 17 November, 2022
      Autumn Statement
      A comfortable retirement is being sacrificed for many

      Jeremy Hunt has put saver and investor plans in the deep freeze

    • Friday, 11 November, 2022
      Advice & Comment
      Invest for good — put thoughts into actions

      Legislation must give people a voice in shareholdings and pensions

    • Friday, 4 November, 2022
      Advice & Comment
      Does your money manager pass the Ofsted test?

      Review your investment performance. If it doesn’t add up, head for the exit

    • Wednesday, 26 October, 2022
      InterviewInvestments
      Harry Nimmo: UK small companies will recover in six months

      Retiring veteran fund manager Harry Nimmo optimistic for investments

    Previous page You are on page 1 Next page

    Useful links

    Support

    View Site TipsHelp CentreContact UsAbout UsAccessibilitymyFT TourCareers

    Legal & Privacy

    Terms & ConditionsPrivacy PolicyCookiesCopyrightSlavery Statement & Policies

    Services

    Share News Tips SecurelyIndividual SubscriptionsGroup SubscriptionsRepublishingExecutive Job SearchAdvertise with the FTFollow the FT on TwitterFT ChannelsFT Schools

    Tools

    PortfolioToday's Newspaper (ePaper)Alerts HubBusiness School RankingsEnterprise ToolsNews feedNewslettersCurrency Converter

    Community & Events

    FT CommunityFT Live EventsFT ForumsFT Board DirectorBoard Director Programme

    More from the FT Group

    Markets data delayed by at least 15 minutes. © THE FINANCIAL TIMES LTD 2023. FT and ‘Financial Times’ are trademarks of The Financial Times Ltd.
    The Financial Times and its journalism are subject to a self-regulation regime under the FT Editorial Code of Practice.
    Financial Times

    International Edition

    Subscribe for full access
    • Switch to UK Edition

    Top sections

    • Home
    • World
      • Global Economy
      • UK
      • US
      • China
      • Africa
      • Asia Pacific
      • Emerging Markets
      • Europe
      • War in Ukraine
      • Americas
      • Middle East & North Africa
      • Australia & NZ
    • US
      • US Economy
      • US Companies
      • US Politics & Policy
    • Companies
      • Energy
      • Financials
      • Health
      • Industrials
      • Media
      • Professional Services
      • Retail & Consumer
      • Tech Sector
      • Telecoms
      • Transport
    • Tech
    • Markets
      • Alphaville
      • Markets Data
      • Cryptofinance
      • Capital Markets
      • Commodities
      • Currencies
      • Equities
      • Fund Management
      • Trading
      • Moral Money
      • ETF Hub
    • Climate
    • Opinion
      • Columnists
      • The FT View
      • Lex
      • Obituaries
      • Letters
    • Work & Careers
      • Business School Rankings
      • Business Education
      • Entrepreneurship
      • Recruitment
      • Business Books
      • Business Travel
    • Life & Arts
      • Arts
      • Books
      • Food & Drink
      • FT Magazine
      • House & Home
      • Style
      • Travel
      • FT Globetrotter
    • Personal Finance
      • Property & Mortgages
      • Investments
      • Pensions
      • Tax
      • Banking & Savings
      • Advice & Comment
      • Next Act
    • HTSI
    • Special Reports

    FT recommends

    • Lex
    • Alphaville
    • Lunch with the FT
    • FT Globetrotter
    • #techAsia
    • Moral Money
    • Newsletters
    • Video
    • Podcasts
    • News feed
    • FT Live Events
    • FT Forums
    • Board Director Programme
    • myFT
    • Portfolio
    • Today's Newspaper (ePaper)
    • Crossword
    • Our Apps
    • Help Centre
    • Subscribe
    • Sign In