How do I calculate my investable assets?

And what isn’t included in my investable assets?

Your investable assets are the total of your liquid or near-liquid assets, aka assets that can be easily invested. This is different from your net worth, which is the total value of the assets you hold, minus any debt or liabilities. 

Your financial institution will want to know what your investable assets are in order to better understand how they can serve you and how much you can invest towards your goals. 

Investable assets can include:

• Cash, checking accounts, and savings accounts
• CDs and money market accounts
• Stocks, bonds, and mutual funds
• Private investments (note: these investments can have varying levels of liquidity)
• Traditional and Roth IRA accounts, along with 401(k) and 403(b) accounts from previous employers (those managed by your current employer are not able to be invested or managed elsewhere and, therefore, should not count towards your investable assets)

Items that don’t get counted toward your investable assets are typically those that aren’t very liquid, like:

• Your home and vehicles
• Art, jewelry, or collectibles
• Equity compensation
• Other real estate investment properties

It’s important to have an understanding of what your investable assets are so you can make the most of your money.