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  • October 25, 2014
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  1. Business - Money - ASK MELANIE

    Ask Melanie: Investing in stamps

    Posted Nov 26th 2012, 12:00am by Melanie Nutbeam

    ... to melanie.nutbeam@hfs.com.hk Does philately get your investment stamp of approval? My investment portfolio already covers shares, bonds and property, and I'm ready to add something a bit different. What are your thoughts, for a beginner, on investing in collectable postage stamps? It's easy to be seduced by stamps. They can be bold, beautiful and cryptic. They can be loaded with historic, cultural ...

  2. Business - Money - ASK MELANIE

    Making a cautious case for insurance-linked annuity plans

    Posted Nov 05th 2012, 12:00am by Melanie Nutbeam

    ... a cautious case for insurance-linked annuity plans I save regularly into an investment portfolio managed by my adviser and am happy with that. I'm 45, and this portfolio will be my only source ... lump sum, insurers prefer to sell plans involving regular contributions through the years. This is partly because it allows the insurance company to better manage investment inflows. Typically, ...

  3. Business - Money - ASK MELANIE

    Ask Melanie: New Year's evolution

    Posted Jan 07th 2013, 12:00am by Melanie Nutbeam

    ... are realistic. Prepare your budget: putting your spending on paper is a very powerful way to change behaviour. Your savings, and your investment earnings, are the bridge across the financial gap. How much you save is largely within your control. By now you might be resolving to either change behaviour or modify your goals. Review your investment portfolio: investors only need two strategies ...

  4. Business - Money - ASK MELANIE

    Prospect of property slump adds to risk

    Posted May 20th 2013, 12:00am by Melanie Nutbeam

    ... We are in our mid-50s and plan to repay the loan from the sale of our Wan Chai investment flat when we retire at 65. This flat is mortgaged to about 70 per cent of its value. What do you ...

  5. Business - Money - ASK MELANIE

    Ask Melanie: When money isn't safe in houses

    Posted Oct 29th 2012, 12:00am by Melanie Nutbeam

    ... the purchase for about six to eight months. Where should I park this money? Would reits be a good investment? I would be happy with a yield of 5 per cent. Happiness is surely the prospect of preserving ... not park your money, even short term, in a real estate investment trust (reit). The illiquid nature of reit's assets makes them only a good long-term investment. The drivers of a cooling ...

  6. Business - Money - ASK MELANIE

    Break free from foreign tax shackles and embrace Hong Kong's low rate

    Posted Mar 25th 2013, 12:00am by Melanie Nutbeam

    ... earn. You can use the tax reserve certificate scheme to pay tax as you earn to keep things clear. It takes a little while for newcomers to appreciate that tax on investment earnings here is virtually non-existent. You might consider moving your assets to Hong Kong, if this can be done easily and without a wicked tax backlash at home. It is also a reason to keep savings and investments ...

  7. Business - Money - ASK MELANIE

    Grasp your priorities in life with a budget

    Posted Jul 29th 2013, 12:00am by Melanie Nutbeam

    ... and investing goals. Motherhood stuff, yes, but a budget reveals more than we initially realise. It reflects not just what we spend our money on but what we choose to spend our money on. It's ...

  8. Business - Money - ASK MELANIE

    How is financial planning different for women?

    Posted Mar 04th 2013, 12:00am by Melanie Nutbeam

    ... for women's lower earnings in Australia. The report also found gender differences in money planning. It noted that women tended to be more conservative when investing which, in my experience, usually is more about women's inexperience with finance than an inherent sense of conservatism. Generally, because women earn less than men, they have less to invest. This gap is amplified ...

  9. Business - Money - ASK MELANIE

    Ask Melanie: plan for your retirement

    Posted Oct 08th 2012, 12:00am by Melanie Nutbeam

    ... You are right to think about how you can improve your investing decisions. Most people make reactive, rather than proactive, financial decisions. They respond to what has happened rather than ... of that difference is represented by assets that are for personal use (home and car, for example) and how much is investment capital that can generate income after retirement. Draw up the family budget built ...

  10. Business - Money - ASK MELANIE

    Swapping Hong Kong for the UK. An adviser here or there?

    Posted Mar 11th 2013, 12:00am by Melanie Nutbeam

    ... on investments, cost of investing, tax and drawdown on capital to meet unexpected expenses. Living costs may decline if you are less active in later life, but health costs may increase. Downsizing ... goals encompassing investment, tax, insurance and estate planning. Most qualified financial planners will co-ordinate overall planning, including referrals to third parties for specialist ...




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