怎样去衡量你的财务体质并进行规划.pptxVIP

Measuring Your Financial Health and Making a Plan衡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.Your Assets: What You Own 資產： 你所擁有的Monetary貨幣性資產Investment投資Retirement plans退休計畫Real estate不動產Automobiles and other vehicles汽車Personal property個人財產Other tangible and intangible assets其他財產Prentice Hall Inc.Monetary Assets:貨幣性資產 Cash or other assets that can be easily converted into cash現金或其他容易變成現金的資產These assets provide necessary liquidity in case of an emergency.這種資產可以在緊急需要時提供變現的流動性Examples – cash, checking accounts, savings accounts例如—現金、支票存款、存摺存款。Prentice Hall Inc.Investment Assets: 投資資產Assets that are invested for the future為了未來所投資的資產These assets are used to accumulate wealth to satisfy a goal.這些資產是用來累積財富以達成特殊目的Examples – stocks, bonds, mutual funds, cash value life insurance例如—股票、債券、共同基金、人壽保險的現金價值Prentice Hall Inc.Retirement Plans: 退休計畫Investments by you or your employer to save for retirement由你或你的老闆所投資，以儲存你的退休金。Long-term investments that often carry a penalty if used before a certain age長期投資，如果你在某一年齡前提領，可能有罰則Examples – pensions, IRAs, 401(k), 403(b), Keogh, or SEP-IRA plans例如-退休金、 IRAs, 401(k), 403(b), Keogh, or SEP-IRA 計畫Prentice Hall Inc.Housing / Real Estate: 房屋/不動產Tangible asset such as land and a dwelling, reported as fair market value有形資產例如土地和建物，以市價認定Represents most of your savings, and normally appreciates in value顯示出你的所有積蓄之所在，以及其增值。Examples – primary residence, vacation home, rental properties例如—主要的住所、渡假小屋以及出租資產Prentice Hall Inc.Automobiles and Other Vehicles:汽車Tangible assets that normally must be inspected and licensed有形資產必須要定期檢驗以及取得牌照的資產Reported as fair market value, but normally depreciate in value以市價來認定，但是必須要扣除折舊Examples – cars, trucks, motorcycles, and recreational vehicles例如—汽車、卡車、摩托車、和休閒的交通工具Prentice Hall Inc.Personal Property: 個人資產Tangib