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

Ask Melanie: When money isn't safe in houses
Consider all the angles when preparing a will
Ask Melanie: Life insurance
Ask Melanie | Ask Melanie: Why you should afford to be charitable

We would like our family budget to include giving to charities. How should we incorporate this?

Giving is often spontaneous. Things happen over the course of a year that tug at the heart strings and loosen the purse strings. This is as it should be but you can also approach gift giving in the context of your wider financial objectives, so as not to compromise family goals.

24 Dec 2012 - 4:21AM
Ask Melanie: Why you should afford to be charitable

We would like our family budget to include giving to charities. How should we incorporate this?

Giving is often spontaneous. Things happen over the course of a year that tug at the heart strings and loosen the purse strings. This is as it should be but you can also approach gift giving in the context of your wider financial objectives, so as not to compromise family goals.

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
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.

Should I switch my HK dollar savings?
Ask Melanie | Calling all retiring types: make sure your superannuation fund stays super

We plan to retire to Australia in five to 10 years. Should we transfer our monthly surplus to an Australian superannuation fund so we don't pay as much tax when we're there?

4 Feb 2013 - 4:33AM
Calling all retiring types: make sure your superannuation fund stays super

We plan to retire to Australia in five to 10 years. Should we transfer our monthly surplus to an Australian superannuation fund so we don't pay as much tax when we're there?

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
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?

Ask Melanie: plan for your retirement
Ask Melanie: Critical Illness Cover
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
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.

Is money in the bank a good thing in Hong Kong right now?
Making a cautious case for insurance-linked annuity plans
Melanie Nutbeam answers basic personal finance and investing queries
Are you saving too much, or not enough, for your retirement?
Ask Melanie: Investing in stamps
Ask Melanie: Writing a will
Ask Melanie: Should we wait to buy our dream home?
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
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?

Ask Melanie: Tax loans
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
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?

Ask Melanie: Home contents insurance
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?

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.

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
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?

Ask Melanie: How to avoid falling off your own fiscal cliff
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
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.

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
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.

Ask Melanie: New Year's evolution
Business