新加坡家庭资产配置:新加坡保险,新加坡投资,新加坡储蓄,新加坡传承

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1,净资产偿付比率:净资产偿付比率=净资产(总资产-负债)/总资产

该比率反映了综合还债能力的高低,能用来判断自己财务状况的风险程度。

例如,小A的净资产为300,000新币,总资产为520,000新币,那么偿付比率为300,000/520,000≈0.58,这意味着即使在经济不景气时,小A也有能力偿付所有的债务。

理论上,该比率应大于0.5。

如偿付比率太低,意味着现在的生活主要靠借钱来维持,一旦债务到期或者收入大幅下降,资产也会随之出现损失,则很可能发生资不抵债的破产迹象。

偿付比率太高,比如接近1,那意味着你可能没有充分利用自己的信用额度。在这种情况下,有必要通过借款来进一步优化其财务结构。

 

2,资产负债率:资产负债率=负债/总资产

资产负债率是反映综合偿债能力的更为常用的比率指标,同样可以判断自己财务状况的风险程度。

该数值控制在0.5以下较为理想。

如果该比率低于0.5,那么由于资产流动性不足而出现财务危机的可能性较小。

如果该项比率大于1,则意味财务状况已趋恶化,从理论上讲已经破产。

 

 

3,负债收入比率:负债收入比率=负债/收入

负债收入比率又称债务偿还收入比率,是衡量财务状况是否良好的重要指标。该比率是某一时期(1个月,1季度或者1年)到期财务本息和收入的比值。

从财务安全的角度看,个人负责比率数值控制在0.35以下,其财务状况属于良好状态。

 

 

4,流动性比率:流动性比率=流动性资产/每月支出

资产的流动性是指资产在未来可能发生价值损失的条件下迅速变现的能力。能迅速变现而不会带来损失的资产,流动性就强;相反,不能迅速变现或是变现的过程中会遭受损失的资产,流动性就弱。

按照一般的经验标准,流动性比率应该是3-6。也就是通常所说的,一个家庭需要保留每月支出3~6倍的现金存款。这样才能保证在遇到变故时,至少有维持3~6个月的生活开支的现金。

其实,流动性比率过高也不好,应该理财收益的提高,财务状况同样也会进入亚健康状态。因此,只要你有固定的收入保障或工作十分稳定,那么流动资产性比率可以维持得较低一些。

 

5,储蓄比率:储蓄比率=盈余/税后收入

储蓄比率是指盈余和收入的比率,它反映了你控制开支和增加净资产的能力。

比如,小A6月的总收入为30176新币,盈余为22343新币,则储蓄比率为22343/30176≈0.74。也就是说,6月除去开支后,小A可以将74%的收入用于增加储蓄或投资。按标准的话,最低是10%。建议单身人士在还没有任何家庭负担的情况下可以调高储蓄比例。

 

6,投资与净资产比率:投资与净资产比率=投资资产/净资产

投资与净资产比率反映了通过投资增加财富以实现其财务目标的能力。

比如,小A的投资资产为235683元,净资产为291420.3元,投资与净资产比率为235683/291420.3≈0.81,这表示我的净资产有一半以上是由投资组成的。

一般认为,将投资与净资产比率保持在0.5以上,才能保证净资产有较为合适的增长率。

 

我们可以通过对资产负债表和收支的统计了解期望实现的消费支出和实际收入、储蓄及投资理财之间的差距。通过对各项财务比率进行分析,可以衡量拥有的资产在偿付债务、流动性和盈利性等方面的能力,同时反映出自己的风险偏好、生活方式和价值取向,从而找出改善财务状况、实现财务目标的方法。

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