The nonzero widths of heavy particles become significant when they appear in the final state of any decay occurring just around its kinematical threshold. To take into account such effects, a procedure, called the convolution method, was proposed by Altarelli, Conti and Lubicz. We expand their study which included only threshold effects for t → bW Z in the standard model. We discuss finite width effects in the three body decays t → cW W, cZZ and A 0 (h 0 ) → tbW in the type III version of a two Higgs doublet model. In particular, we find a substantial enhancement in the decay t → cZZ, which brings its branching ratio to BR(t → cZZ) ∼ 10 −3 , and in the decay A 0 → tbW , which, unlike the h 0 case, becomes competitive with the A 0 two-body decay modes.