Tai san rong la con so quan trong nhat trong tai chinh ca nhan. No cho ban biet chinh xac vi tri cua minh bang cach cong tat ca nhung gi ban so huu va tru di nhung gi ban no. Theo doi theo thoi gian cho thay ban dang xay dung tai san hay tut lai.
Cong thuc rat don gian — cong tat ca tai san, tru tat ca no phai tra, va ket qua la tai san rong cua ban:
Tai san thanh khoan la nhung thu ban co the chuyen doi thanh tien mat nhanh chong: tai khoan tiet kiem, co phieu, trai phieu, tien dien tu va tai khoan huu tri. Nhung tai san nay quyet dinh lo trinh doc lap tai chinh cua ban.
Tai san kho thanh khoan co gia tri nhung kho ban: bat dong san, xe co, von doanh nghiep va do suu tam. Chung dong gop vao tong tai san rong nhung khong de dang trang trai chi phi sinh hoat.
NetWorthCast theo doi ca hai rieng biet va cho phep ban gan ty le tang truong rieng cho tung tai san — vi vay danh muc co phieu co the tang 8% trong khi nha cua ban tang gia 3%.
Bao gom moi thu co gia tri ma ban so huu:
Sau do tru no phai tra: so du the chap, no sinh vien, vay mua xe, no the tin dung, vay ca nhan, no y te va bat ky khoan tien nao khac ban no.
Nhung muc tieu nay cho ban cam nhan so bo ve vi tri cua minh so voi nguoi khac. Nho rang, lo trinh cua rieng ban quan trong hon bat ky muc trung binh nao:
Nhung con so nay gia dinh tiet kiem va dau tu nhat quan theo thoi gian. Bat dau som tao ra su khac biet to lon nho lai kep — ngay ca nhung dong gop nho o tuoi 20 cung co the thanh sau con so vao tuoi 35.
Khi ban theo doi tai san rong hang thang, ban thuc su co the thay lai kep lam viec. NetWorthCast du bao tung tai san voi ty le tang truong rieng, de ban thay chinh xac cach tai san xay dung trong 10, 20 hoac 30 nam.
Tai san rong cua ban — cu the la tai san rong thanh khoan — quyet dinh khi nao ban co the nghi huu. NetWorthCast cho thay chinh xac khi nao cac khoan dau tu vuot nguong FIRE, de ban biet con bao nhieu nam lam viec.
Chuyen den khu vuc co chi phi sinh hoat thap hon co the tang toc tang truong tai san rong dang ke. Su dung cong cu so sanh chi phi sinh hoat de xem viec chuyen noi o thay doi ty le tiet kiem va du bao dai han nhu the nao.
Tai san rong la tong gia tri cua moi thu ban so huu (tai san) tru di moi thu ban no (no phai tra). Day la thuoc do tot nhat ve suc khoe tai chinh tong the. Tai san rong duong co nghia la tai san vuot qua no, trong khi tai san rong am co nghia la ban no nhieu hon nhung gi ban so huu.
Tai San Rong = Tong Tai San - Tong No Phai Tra. Cong tat ca tai san (tien mat, tiet kiem, dau tu, bat dong san, xe co) va tru tat ca no phai tra (the chap, no sinh vien, no the tin dung, vay mua xe). Ket qua la tai san rong cua ban.
Tai san bao gom tien mat, tai khoan tiet kiem, co phieu, trai phieu, 401(k), IRA, tien dien tu, bat dong san, xe co va tai san ca nhan. No phai tra bao gom the chap, no sinh vien, vay mua xe, so du the tin dung, vay ca nhan va bat ky khoan no nao khac.
Muc tai san rong trung binh bien dong nhieu, nhung muc tieu chung la: ~$20.000 o tuoi 25, ~$100.000 o tuoi 30, ~$250.000 o tuoi 35, ~$500.000 o tuoi 40, ~$1.000.000 o tuoi 50 va ~$2.000.000 o tuoi 60. Nhung con so nay phu thuoc nhieu vao thu nhap, ty le tiet kiem va loi nhuan dau tu.
Khong can dang ky. Moi du lieu duoc luu trong trinh duyet cua ban.