ratio of net income to net worth

简明释义

净收益对资本净值比率

英英释义

例句

1.To evaluate the effectiveness of their investments, the couple analyzed the ratio of net income to net worth annually.

为了评估投资的有效性，这对夫妇每年分析净收入与净资产的比率。

2.A high ratio of net income to net worth indicates strong financial health for an individual.

高的净收入与净资产的比率表明个人财务状况良好。

3.The financial analyst calculated the ratio of net income to net worth to assess the company's profitability.

财务分析师计算了净收入与净资产的比率以评估公司的盈利能力。

4.Investors often look at the ratio of net income to net worth when deciding whether to invest in a startup.

投资者在决定是否投资一家初创公司时，通常会关注净收入与净资产的比率。

5.During the meeting, the CFO presented the ratio of net income to net worth to highlight improvements over the past year.

在会议上，首席财务官展示了净收入与净资产的比率以突出过去一年的改善。

作文

In the world of finance and personal wealth management, understanding various financial metrics is crucial for making informed decisions. One such important metric is the ratio of net income to net worth, which provides insights into an individual's financial health and performance. This ratio essentially compares how much money a person earns in a given period to their total wealth at a specific point in time. By analyzing this ratio, individuals can assess their ability to generate income relative to their overall assets and liabilities.To break it down further, 'net income' refers to the total earnings of an individual after taxes and other deductions have been accounted for. It reflects the actual money that can be spent, saved, or invested. On the other hand, 'net worth' is the difference between an individual’s total assets and total liabilities. It represents the value of everything owned minus what is owed. Therefore, the ratio of net income to net worth serves as a measure of how efficiently an individual is utilizing their wealth to generate income.For example, if someone has a net income of $50,000 and a net worth of $500,000, the ratio of net income to net worth would be 0.1, or 10%. This indicates that for every dollar of net worth, the individual earns ten cents in net income. A higher ratio might suggest that an individual is effectively leveraging their assets to produce income, while a lower ratio could imply that their wealth is not being utilized optimally.Understanding this ratio is particularly beneficial for those looking to improve their financial situation. If an individual finds that their ratio of net income to net worth is lower than desired, they may want to explore ways to increase their income or reassess their investment strategies. This could involve seeking higher-paying job opportunities, investing in income-generating assets, or reducing unnecessary expenses to enhance net income.Moreover, the ratio of net income to net worth can vary significantly across different demographics and life stages. For instance, younger individuals who are just starting their careers may have lower net worth but can still achieve a favorable ratio if they earn a good income. Conversely, retirees might have a high net worth due to accumulated savings and investments, but their net income could be lower, leading to a reduced ratio. In summary, the ratio of net income to net worth is a valuable indicator of financial health, highlighting the relationship between income generation and overall wealth. By regularly monitoring this ratio, individuals can gain a clearer understanding of their financial standing and make more strategic decisions to enhance their economic well-being. Whether one is in the early stages of their career or approaching retirement, maintaining a healthy ratio of net income to net worth can pave the way for a secure financial future.

在金融和个人财富管理的世界中，理解各种财务指标对做出明智的决策至关重要。其中一个重要的指标是净收入与净资产的比率，它提供了个人财务健康和表现的洞察。这个比率本质上比较了一个人在特定时期内赚取的金额与他们在特定时间点的总财富。通过分析这个比率，个人可以评估他们相对于整体资产和负债的收入生成能力。进一步分解，‘净收入’指的是一个人在扣除税费和其他费用后所获得的总收入。它反映了可以支出、储蓄或投资的实际资金。另一方面，‘净资产’是个人总资产与总负债之间的差额。它代表了所有拥有的价值减去所欠的金额。因此，净收入与净资产的比率作为一个人如何有效利用其财富来产生收入的衡量标准。例如，如果某人的净收入为50,000美元，净资产为500,000美元，那么净收入与净资产的比率将为0.1，或10%。这表明每一美元的净资产，该个人赚取十美分的净收入。较高的比率可能表明个人有效利用其资产来产生收入，而较低的比率则可能暗示他们的财富未被最佳利用。了解这一比率对于那些希望改善其财务状况的人尤其有益。如果个人发现其净收入与净资产的比率低于预期，他们可能想探索增加收入或重新评估投资策略的方法。这可能涉及寻找薪酬更高的工作机会，投资于产生收入的资产，或减少不必要的开支以提高净收入。此外，净收入与净资产的比率在不同的人群和生活阶段之间可能会有显著差异。例如，刚开始职业生涯的年轻人可能拥有较低的净资产，但如果他们的收入良好，仍然可以实现一个令人满意的比率。相反，退休人员可能由于积累的储蓄和投资而拥有较高的净资产，但其净收入可能较低，从而导致比率降低。总之，净收入与净资产的比率是财务健康的重要指标，突显了收入生成与总体财富之间的关系。通过定期监测这一比率，个人可以更清晰地了解自己的财务状况，并做出更具战略性的决策，以增强经济福祉。无论一个人处于职业生涯的早期阶段还是接近退休，保持健康的净收入与净资产的比率都能为安全的财务未来铺平道路。