kokonaisvarallisuutta

Kokonaisvarallisuus, or net worth, refers to the total value of an individual's or entity's assets minus their liabilities. It is a measure of financial health and is commonly used to assess the wealth of individuals, families, or corporations. Assets include tangible items like real estate, investments, and personal property, as well as intangible assets like intellectual property and patents. Liabilities encompass debts, loans, and other financial obligations.

Calculating net worth involves listing all assets and subtracting all liabilities. For individuals, this can include personal bank accounts, retirement savings, and investments. For businesses, it may include equity, cash reserves, and fixed assets. Net worth can fluctuate over time due to changes in asset values, income, and expenses.

Net worth is a useful metric for personal finance planning, as it provides a snapshot of one's financial position. It can also be used by businesses to evaluate their financial stability and growth potential. However, it is important to note that net worth does not account for income or cash flow, which are also crucial factors in financial health. Additionally, the value of assets and liabilities can be subjective and may vary depending on market conditions and individual circumstances.