Investment assets and liabilities are the most important financial arrangements for customers to prepare for their financial needs in different stages of their future lives.
1. Investment assets
Investment assets refer to assets that can generate interest income or capital gains, and assets after deducting self-use assets are all investment assets. Their main features and applications include the following aspects:
(1) The main purpose is long-term gains and capital gains;
(2) Having certain liquidity;
(3) Long-term capital appreciation and income are predictable (facilitating asset allocation for the return on investment required by customers);
(4) Selling cash will not have a negative impact on customers' quality of life. ?
Investment assets include: stocks, fund investments, investment real estate, bonds, etc. If financial services are a process of scientifically planning customers' present and future financial resources, then investment assets are the most important "capital" for customers. Investment planning in financial planning services also mainly refers to the use of assets in this part. ?
Investment assets can usually be divided into two categories: configurable investment assets and non-configurable investment assets. The latter includes some illiquid investment assets that cannot be realized at the moment, such as the equity of unlisted companies or partnerships, the cash value of insurance policies, the balance of housing provident fund and individual pension accounts, etc. The former includes relatively liquid assets such as securities investment, savings or real estate.
2. Investment liabilities
It mainly includes all kinds of debts for investment, such as debts owned by customers who use financial leverage to make financial investments, mortgage loans for investment properties, or personal debts for industrial investments. The ratio of investment liabilities to total liabilities is usually called investment liabilities ratio, which mainly reflects the financial enthusiasm of customers and also reflects the risk attributes of customers to some extent.