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Achieving Financial Success: Big ideas. Small business

Thus, our total wealth is made up of two parts: our human capital and our financial capital. Recognizing this simple dichotomy dramatically broadens how we analyze financial activities. We desire to create a diversified overall portfolio at the appropriate level of risk. Because human capital is usually relatively low risk (compared with common stocks), we generally want to have a substantial amount of equities in our financial portfolio early in our careers because financial wealth makes up so little of our total wealth (human capital plus financial capital). Over our lifetimes, our mix of human capital and financial capital changes. In particular, financial capital becomes more dominant as. | About the Guide This guide was prepared by Jan Barned CPA FFTP principal of Financial Management Trainer with the assistance of CPA Australia and Small Business Victoria. Jan has worked in the finance industry internationally and in Australia for over twenty years. She also held the position of policy advisor for CPA Australia from 2004 to 2008. Jan now runs a successful training and consulting business Financial Management Trainer www.fmtrainer.com.au which provides financial and risk management advisory services to small and medium business. Her experience in financial and risk analysis provides businesses with strategies to improve performance and their financial position. She is also the author of the CPA Australia publication Financial Management for Not-for-profit Organisations . Copyright Notice Copyright 2010 CPA Australia ABN 64 008 392 452 and The State of Victoria. All rights reserved. All trade marks and trade names are proprietary to CPA Australia and the State of Victoria and must not be downloaded reproduced or otherwise used without the express consent of CPA Australia and the State of Victoria. 1. You may access and display pages from the website or CD-ROM on your computer monitor or other video display device and make one printed copy of any whole page or pages for your personal use only. 2. You may download from the website or CD-ROM and reproduce modify alter or adapt the provided templates if any and use them so reproduced modified or adapted for your personal use and or in your practice. Other than for the purposes of and subject to the conditions prescribed under the Copyright Act 1968 Cth or any other applicable legislation throughout the world or as otherwise provided for herein no part of this Product may in any manner or any medium whether now existing or created in the future including but not limited to electronic mechanical microcopying photocopying or recording be reproduced adapted stored in a retrieval system or transmitted without