衡量你的财务体质并进行规划.pdf

Measuring Your Financial HHeallthh andd MMakiking a PlPlan衡衡 量你的財務體質並進行規劃量你的財務體質並進行規劃 Using a Balance Sheet to Measure Your Wealth使用資產負債表來衡量你的財 富 Personal balance sheet: the financial Polaroid個人 資產負債表 ：財務拍立得 資產負債表 ：財務拍立得 The financial equation: calculating net worth or equity財務方程式：計算淨值 Assets – Liabilities = Net Worth資產– 負 債 = 淨值 Prentice Hall Inc. 2 Your Assets: What You Own 資產：你 所擁有的 Monetary貨幣性資產 I 投資 Investment投資 Retirement plans退休計畫 Real estate不動產 AutomobilesAutomobiles andand otherother vehiclesvehicles汽車汽車 Personal property個人財產 OOthher tangiblible andd iintangiblible assets其他財產其他財產 Prentice Hall Inc. 3 Monetary Assets:貨幣性資產 Cash or other assets that can be easily converted can be easily converted into cash現金或其他容易 變成現金的資產變成現金的資產 These assets provide necessary liliquidiidity iin case of an emergency.這種資 產可以在緊急需要時提產可以在緊急需要時提 供變現的流動性 Examples – cash, Prentice Hall Inc. checking accounts, 4 Investment Assets: 投資資產 Assets that are invested for the future為了未來所投資 the future為了未來所投資 的資產 ThThese assets are usedd to accumulate wealth to satiisffy a goall.這些資產是這些資產是 用來累積財富以達成特 殊目的殊目的 Examples – sto