egentillgångar

Egentillgångar, or own assets, refers to the assets that a company or individual possesses outright. These are resources that are not financed by debt or external obligations. In a business context, they represent the part of a company's assets that is financed by its own capital, meaning shareholders' equity and retained earnings. This contrasts with borrowed assets, which are financed through loans or other forms of debt.

The concept of egentillgångar is important for assessing financial health and stability. A high proportion of own assets relative to total assets can indicate a strong financial position, as it suggests less reliance on external creditors. For a company, this can translate to greater financial flexibility and a lower risk profile for investors.

In personal finance, own assets encompass everything an individual owns outright, such as cash, savings accounts, investments, property, and vehicles, minus any outstanding debts. The net worth of an individual is calculated by subtracting liabilities from total own assets. Understanding the distinction between own assets and liabilities is fundamental to managing personal finances effectively. It helps in making informed decisions about spending, saving, and investing.