商品簡介
Young people face unprecedented financial challenges – rising student debt, stiff competition for jobs, barriers to home ownership, dwindling state benefits and prospects of a longer working life. Yet their formal education does not adequately prepare them to deal with these challenges and financial literacy is not perceived to be an essential life skill. Consequently, personal debt (including student debt) has now reached a record level and people both young and old are struggling to meet personal financial commitments.
This book provides essential money lessons to enable individuals to take control of their finances and build a secure financial future. It presents a practical guide to personal financial planning covering key background topics including the importance of setting goals and objectives and the meaning of money and its role in our lives, as well as introducing financial tools such as savings and investment, pensions, insurance and house-buying.
It also provides an introduction to some of the essential foundations of a modern undergraduate finance qualification, including:
• The nature of financial institutions, markets and economic policy that shape the opportunities and decisions that individuals face
• The range of financial assets available to households, the risk-return trade-off, basics of portfolio construction and impact of tax
• The importance of the efficient market hypothesis and modern portfolio theory in shaping investment strategies and the limitations of these approaches
• Behavioural finance as a key to understanding factors influencing individual and market perceptions and actions
• Using financial data to inform investment selection and to create financial management tools that can aid decision making.
Essential Personal Finance is a stimulating undergraduate introduction to aspects of finance that simultaneously provides a practical guide to the complex world of personal finance, enhancing personal financial management skills, and increasing awareness of the importance of personal financial planning.
作者簡介
Lien Luu, Northampton Business School, University of Northampton, UK
Jonquil Lowe, Professor of Personal Finance, Faculty of Social Sciences, Open University, UK
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