{"id":1191,"date":"2020-09-06T14:13:31","date_gmt":"2020-09-06T14:13:31","guid":{"rendered":"https:\/\/www.cashvisory.com\/blog\/?p=1191"},"modified":"2020-09-06T14:33:38","modified_gmt":"2020-09-06T14:33:38","slug":"investment-to-total-assets-ratio-a-floor-to-your-investment-strategy","status":"publish","type":"post","link":"https:\/\/www.cashvisory.com\/blog\/investment-to-total-assets-ratio-a-floor-to-your-investment-strategy\/","title":{"rendered":"Investment to Total Assets ratio: A floor to your investment strategy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1191\" class=\"elementor elementor-1191\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-40c8357 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"40c8357\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-493dcbe\" data-id=\"493dcbe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ba4a6b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ba4a6b6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0b26e7f\" data-id=\"0b26e7f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ba7111f elementor-widget elementor-widget-text-editor\" data-id=\"ba7111f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">How much of my assets should I invest? As financial advisors, this is one of the most common questions we receive. Our response: instead think of how much of your assets you should not be investing and keeping aside as <a href=\"https:\/\/www.cashvisory.com\/blog\/are-you-prepared-for-financial-emergencies\/\">emergency funds<\/a>. You can and should go ahead and invest everything in excess of this. The aim is to <a href=\"https:\/\/www.cashvisory.com\/blog\/how-to-protect-your-savings-from-the-impact-of-inflation\/\">beat inflation<\/a> and at the same time, grow your wealth. This strategy enables maximum utilization of your funds and ensures that your money is working hard enough for you. All you need to do is to make sure that you have sufficient liquidity with your investments of choice and they match your risk tolerance.<\/span><\/p><p><span style=\"font-weight: 400;\">However, if you have reservations about this approach to investment, fret not! The investment to total assets ratio metric has been formulated to help you ascertain the minimum amount you should be investing relative to your assets. Essentially, the metric establishes a baseline for you to ensure good financial health.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-49836ff\" data-id=\"49836ff\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b49937 elementor-widget elementor-widget-image\" data-id=\"4b49937\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1002\" height=\"824\" src=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image4.png\" class=\"attachment-large size-large wp-image-1192\" alt=\"\" srcset=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image4.png 1002w, https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image4-300x247.png 300w, https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image4-768x632.png 768w\" sizes=\"(max-width: 1002px) 100vw, 1002px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d736e22 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d736e22\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c614174\" data-id=\"c614174\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a67d6b elementor-widget elementor-widget-heading\" data-id=\"4a67d6b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investment to total assets ratio\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ecffbc3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ecffbc3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70f35e6\" data-id=\"70f35e6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b4b60a5 elementor-widget elementor-widget-text-editor\" data-id=\"b4b60a5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Mathematically speaking, investment to total assets ratio is your invested assets (such as shares, mutual funds, property investments, etc.) divided by your total assets. It indicates the percentage of your assets that are invested to beat inflation and work towards your financial goals.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1d930cb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1d930cb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d249298\" data-id=\"d249298\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7f1a096 elementor-widget elementor-widget-text-editor\" data-id=\"7f1a096\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em><span style=\"font-weight: 400;\">Investment to total assets ratio = (invested assets \/ total assets) x\u00a0<\/span><span style=\"font-weight: 400;\">100<\/span><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a15ae81 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a15ae81\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b1501ad\" data-id=\"b1501ad\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5cfac89 elementor-widget elementor-widget-text-editor\" data-id=\"5cfac89\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Let\u2019s look at Raj, a 35-year old IT professional who started investing early on in his career. Here\u2019s where his assets stand today &#8211;\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mutual funds: Rs 50,00,000<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Stocks and bonds: Rs 20,00,000<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Savings account: Rs 8,00,000<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fixed deposit: Rs 12,00,000<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Total Assets =<\/span><b> Rs 90,00,000<\/b><\/p><p><span style=\"font-weight: 400;\">Total Investments = <\/span><b>Rs 70,00,00<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fff9fa2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fff9fa2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8a11705\" data-id=\"8a11705\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d3247b4 elementor-widget elementor-widget-text-editor\" data-id=\"d3247b4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Investment to total assets ratio = (70,00,000 \/ 90,00,000) x\u00a0<\/span><span style=\"font-weight: 400;\">100 =\u00a0<\/span><span style=\"font-weight: 400;\">77.8%<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5784dc1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5784dc1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-42584b8\" data-id=\"42584b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49695ab elementor-widget elementor-widget-heading\" data-id=\"49695ab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much should the Investment to Total Assets ratio be?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9105393 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9105393\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-42a3253\" data-id=\"42a3253\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd35a6d elementor-widget elementor-widget-text-editor\" data-id=\"bd35a6d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">As a rule of thumb, the ratio should be at least <\/span><b>50% or above<\/b><span style=\"font-weight: 400;\">. A value of 50% is considered to be the floor to ensure that the depreciation from the portion of your assets that are not invested is easily offset by the returns generated by the other half that is invested.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-df9e324 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"df9e324\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f0ae412\" data-id=\"f0ae412\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16cc767 elementor-widget elementor-widget-text-editor\" data-id=\"16cc767\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Anything lower than a 50% ratio would mean that you might not be able to offset inflation and in effect, depreciate your assets over time. On the other hand, a 50% ratio would get you to comfortably offset inflation but not really gain anything on top of it. In order to grow your wealth, you want to ensure that your investment to total assets ratio is above 50%.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e8cd241 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e8cd241\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f3566e1\" data-id=\"f3566e1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49fe94a elementor-widget elementor-widget-image\" data-id=\"49fe94a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"198\" src=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image3-768x198.png\" class=\"attachment-medium_large size-medium_large wp-image-1194\" alt=\"\" srcset=\"https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image3-768x198.png 768w, https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image3-300x77.png 300w, https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image3.png 975w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-491878b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"491878b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-de76109\" data-id=\"de76109\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-edc7a0f elementor-widget elementor-widget-heading\" data-id=\"edc7a0f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is an invested asset and more importantly, what is not?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e237e3a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e237e3a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f56142\" data-id=\"1f56142\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c2821c7 elementor-widget elementor-widget-text-editor\" data-id=\"c2821c7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Invested assets are all assets that, over time, are expected to outperform inflation. Common examples of such assets are <\/span><a href=\"https:\/\/www.investopedia.com\/terms\/m\/mutualfund.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">mutual funds<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.investopedia.com\/terms\/r\/reit.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">REITs<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.investopedia.com\/terms\/e\/etf.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">ETFs<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.investopedia.com\/terms\/s\/stock.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">stocks<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.investopedia.com\/terms\/b\/bond.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">bonds<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-25b881f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"25b881f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8a664ad\" data-id=\"8a664ad\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5dfdefe elementor-widget elementor-widget-text-editor\" data-id=\"5dfdefe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">It is important to remember that anything that provides an average return rate which is below the inflation rate is not an invested asset, irrespective of how considerable the returns appear to be.\u00a0 A common example of this is a fixed deposit which is often mistaken as an investment vehicle for its seemingly decent returns, however provides interest rates which are generally lower than inflation. While this is not an investment, it is a good vehicle to keep emergency funds in.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-363f1dc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"363f1dc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3c0476a\" data-id=\"3c0476a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b0061d7 elementor-widget elementor-widget-heading\" data-id=\"b0061d7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bottom Line\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b19d18 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b19d18\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-03419df\" data-id=\"03419df\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8405df9 elementor-widget elementor-widget-text-editor\" data-id=\"8405df9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Building your emergency funds takes precedence over investments. But the mantra is once you\u2019ve secured these funds, go ahead and invest everything towards your goals. The investment to total assets ratio is a useful metric for those of us who might have personal reservations about this approach. It tells you what percentage of your assets are working hard towards your future.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4507db8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4507db8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-642a114\" data-id=\"642a114\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e7c0a78 elementor-widget elementor-widget-text-editor\" data-id=\"e7c0a78\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Make sure you keep yourself above a 50% investment to total assets ratio to ensure your assets do not depreciate over time. The higher the value, the more optimum the utilisation of your assets and the better positioned you are to grow your wealth and meet your financial goals.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>How much of my assets should I invest? As financial advisors, this is one of the most common questions we receive. Our response: instead think of how much of your assets you should not be investing and keeping aside as emergency funds. You can and should go ahead and invest everything in excess of this. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1192,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[5],"tags":[],"class_list":["post-1191","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments"],"uagb_featured_image_src":{"full":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image4.png",1002,824,false],"thumbnail":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image4-150x150.png",150,150,true],"medium":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image4-300x247.png",300,247,true],"medium_large":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image4-768x632.png",768,632,true],"large":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image4.png",1002,824,false],"1536x1536":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image4.png",1002,824,false],"2048x2048":["https:\/\/www.cashvisory.com\/blog\/wp-content\/uploads\/2020\/09\/image4.png",1002,824,false]},"uagb_author_info":{"display_name":"Admin","author_link":"https:\/\/www.cashvisory.com\/blog\/author\/admin\/"},"uagb_comment_info":5,"uagb_excerpt":"How much of my assets should I invest? As financial advisors, this is one of the most common questions we receive. Our response: instead think of how much of your assets you should not be investing and keeping aside as emergency funds. You can and should go ahead and invest everything in excess of this.&hellip;","_links":{"self":[{"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/posts\/1191","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/comments?post=1191"}],"version-history":[{"count":10,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/posts\/1191\/revisions"}],"predecessor-version":[{"id":1727,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/posts\/1191\/revisions\/1727"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/media\/1192"}],"wp:attachment":[{"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/media?parent=1191"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/categories?post=1191"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cashvisory.com\/blog\/wp-json\/wp\/v2\/tags?post=1191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}