Melanie Nutbeam

Melanie Nutbeam is an award-winning financial planning professional based in Hong Kong. She is a Certified Financial Planner TM (Australia) and has diplomas in finance, investment and law. She is also Vice-Chair of the Australian Chamber of Commerce in Hong Kong and Macau. She can be reached at [email protected]
Melanie Nutbeam
Melanie Nutbeam is an award-winning financial planning professional based in Hong Kong. She is a Certified Financial Planner TM (Australia) and has diplomas in finance, investment and law. She is also Vice-Chair of the Australian Chamber of Commerce in Hong Kong and Macau. She can be reached at [email protected]

Latest from Melanie Nutbeam

Consider all the angles when preparing a will
Is money in the bank a good thing in Hong Kong right now?
Ask Melanie: Life insurance
Ask Melanie | Does adding children's names to the deeds of a Hong Kong flat involve any duty or tax?

My husband and I have owned our flat here for more than 35 years. For succession planning, we would like to add the names of our two children (living and working abroad) to the title deeds of the property. Would this involve any duty or tax at any stage and, if so, would it be wise to do it in the current financial climate? We are about to start making our wills.

7 May 2015 - 12:48PM

My husband and I have owned our flat here for more than 35 years. For succession planning, we would like to add the names of our two children (living and working abroad) to the title deeds of the property. Would this involve any duty or tax at any stage and, if so, would it be wise to do it in the current financial climate? We are about to start making our wills.

Does adding children's names to the deeds of a Hong Kong flat involve any duty or tax?
Are you saving too much, or not enough, for your retirement?
Should I switch my HK dollar savings?
Ask Melanie | Swapping Hong Kong for the UK. An adviser here or there?

My wife and I are British/Irish. We plan to sell our property in Hong Kong and use the money to retire to Britain. Should we look for an adviser here or in Britain and what steps should we take?

11 Mar 2013 - 4:32AM

My wife and I are British/Irish. We plan to sell our property in Hong Kong and use the money to retire to Britain. Should we look for an adviser here or in Britain and what steps should we take?

Swapping Hong Kong for the UK. An adviser here or there?
Ask Melanie: Should we wait to buy our dream home?
Ask Melanie: plan for your retirement
Ask Melanie | Time to take a long, hard look at your bank's track record

Recent events in Cyprus remind all of us that you cannot always count on the cash in the bank. It is vulnerable to bank runs, financial crises, institutional failures and government edicts - of which recent Asian history provides many, many examples.

8 Apr 2013 - 3:09AM

Recent events in Cyprus remind all of us that you cannot always count on the cash in the bank. It is vulnerable to bank runs, financial crises, institutional failures and government edicts - of which recent Asian history provides many, many examples.

Time to take a long, hard look at your bank's track record
Ask Melanie: Tax loans
Making a cautious case for insurance-linked annuity plans
Melanie Nutbeam answers basic personal finance and investing queries
Ask Melanie: Home contents insurance
Ask Melanie: Investing in stamps
Ask Melanie: Writing a will
Ask Melanie: How to avoid falling off your own fiscal cliff
Ask Melanie: How to maximise pleasure without emptying your pockets
Ask Melanie | Saving stamp duty means leaving home

My wife and I are permanent residents and jointly own our home. We have separated and I would like to buy my own flat. Will I be exempt from the new higher stamp duties?

7 May 2015 - 12:48PM

My wife and I are permanent residents and jointly own our home. We have separated and I would like to buy my own flat. Will I be exempt from the new higher stamp duties?

Saving stamp duty means leaving home
Ask Melanie: New Year's evolution
Ask Melanie: a new year, a new financial plan
Ask Melanie | Prospect of property slump adds to risk

Rising property values have increased our equity in our Hong Kong home. We are thinking of increasing our current home mortgage to buy a property in Britain or Canada. 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 think?

7 May 2015 - 12:48PM

Rising property values have increased our equity in our Hong Kong home. We are thinking of increasing our current home mortgage to buy a property in Britain or Canada. 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 think?

Prospect of property slump adds to risk
Ask Melanie | Break free from foreign tax shackles and embrace Hong Kong's low rate

We arrived in Hong Kong a few months ago. My partner's initial contract is for two years with another two likely after that. Do you have any personal finance tips for us, or comments on pitfalls to avoid?

25 Mar 2013 - 3:30AM

We arrived in Hong Kong a few months ago. My partner's initial contract is for two years with another two likely after that. Do you have any personal finance tips for us, or comments on pitfalls to avoid?

Break free from foreign tax shackles and embrace Hong Kong's low rate
Ask Melanie | How is financial planning different for women?

How is financial planning different for women?

Women generally earn less than men, earn over shorter periods, and live longer. This means they face greater challenges accumulating the wealth needed for financial security throughout retirement.

4 Mar 2013 - 4:18AM

How is financial planning different for women?

Women generally earn less than men, earn over shorter periods, and live longer. This means they face greater challenges accumulating the wealth needed for financial security throughout retirement.

How is financial planning different for women?
Ask Melanie | Back-up medical plan a popular choice

I'm 45 and my annual health checks are great with no hint of the heart problems that killed my Dad and his Dad. My wife is 47 and in good health but smokes. My employer provides generous medical benefits for the family. I love my job and have no plans to move but my industry is fickle. Should I look for some sort of back-up cover?

22 Jul 2013 - 2:16AM

I'm 45 and my annual health checks are great with no hint of the heart problems that killed my Dad and his Dad. My wife is 47 and in good health but smokes. My employer provides generous medical benefits for the family. I love my job and have no plans to move but my industry is fickle. Should I look for some sort of back-up cover?

Back-up medical plan a popular choice
Ask Melanie | Rules shift on Australian pensions, assets

We have property in Australia and a bit of superannuation there. Was there anything arising from last month's federal budget that we should be aware of?

3 Jun 2013 - 1:23AM

We have property in Australia and a bit of superannuation there. Was there anything arising from last month's federal budget that we should be aware of?

Rules shift on Australian pensions, assets
Ask Melanie | Why not put all your eggs in one basket?

Should I consolidate my MPF accounts? 

Regardless of the sum in your Mandatory Provident Fund (MPF) accounts, it's worth considering consolidation. The MPF Authority (MPFA) is on a mission to encourage people to do this. There are over two million scheme members and four million accounts. You, and all scheme members holding multiple accounts, will soon receive a letter from the MPFA recommending consolidation.

15 Apr 2013 - 3:11AM

Should I consolidate my MPF accounts? 

Regardless of the sum in your Mandatory Provident Fund (MPF) accounts, it's worth considering consolidation. The MPF Authority (MPFA) is on a mission to encourage people to do this. There are over two million scheme members and four million accounts. You, and all scheme members holding multiple accounts, will soon receive a letter from the MPFA recommending consolidation.

Why not put all your eggs in one basket?
Ask Melanie: When money isn't safe in houses
Ask Melanie | Grasp your priorities in life with a budget

Life is a lottery. Why bother with financial planning?

Life is a lottery and, even for the most controlling, mostly beyond our control. All we can hope for is to manage the odds and relish the evens.

Financial planning is, at least, risk management and, at best, wealth enhancement.

29 Jul 2013 - 3:53AM

Life is a lottery. Why bother with financial planning?

Life is a lottery and, even for the most controlling, mostly beyond our control. All we can hope for is to manage the odds and relish the evens.

Financial planning is, at least, risk management and, at best, wealth enhancement.

Grasp your priorities in life with a budget
A bird in the hand may cost you a flock