3880 Vest Mill Road, Suite 100, Winston-Salem, NC 27103
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What are Net Investable Assets?
COVID-19 UPDATE: Our office continues to operate with limited staff onsite and during normal business hours. We remain available for phone and virtual meetings as well as a limited number of office visits as necessary, and we continue to follow the CDC recommended safety precautions for the health and wellbeing of us all. Please don’t hesitate to contact us with your questions or concerns.
Net investable assets (NIA) include all of your savings and investments less consumer debt, which includes your credit card debt and outstanding loans other than the mortgage on your home. By using NIAs to calculate your wealth, you see a more accurate picture of your financial independence – you know how much money you have without selling your home and car. To determine your wealth based on NIAs, add up the following:
After calculating your total in assets, subtract any debt you have including credit card debt and loans, other than the mortgage on your primary residence. The remaining balance represents your net investable assets.