Personal finance

Personal finance
Credit · Debt
Mortgage Car loan Charge card Credit card Unsecured personal loan Rent-to-own Student loan Pawn Title loan Payday loan Refund anticipation loan Refinancing Debt consolidation Debt rescheduling Bankruptcy
Employment contract
Salary Wage Salary packaging Employee stock ownership Employee benefits
Retirement
Pension Defined benefit Defined contribution Social pension Social security
Personal budget and investment
Active management Alternative investment Asset allocation economics growth Bond (finance) Cash Diversification (finance) Equity (finance) ESG Estate planning ETF Financial adviser asset plan planner independence Fundamental analysis Government bond Growth investing Growth stock Hedge (finance) Impact investing Investment advisory Investment performance Investment style Investor profile Market risk Passive management Portfolio optimization Speculation Stock Stockbroker Target date fund
See also
Asset pricing Bank Citizen's dividend Cooperative Credit union Economic bubble Financial deepening Financial inclusion Financial risk Fintech Guaranteed minimum income Market impact Risk-return spectrum Social dividend Structured product Sustainability Systematic risk Universal basic income Volatility (finance) Watered stock
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Part of a series on financial services
Banking
Types of banks Advising Banq Bulge bracket Central Commercial Community development Cooperative Credit union Custodian Depository Development Direct Export credit agency Investment Industrial Merchant Middle market Money center Mutual savings Neobank Offshore Participation Payments Postal savings Private Public Retail Savings Savings and loan Universal Wholesale Bank holding company Lists of banks
Accounts · Cards Accounts Christmas club Deposit Money-market Savings Time deposit (Bond) Transaction (checking / current) Cards ATM Credit Debit Prepaid
Funds transfer Cheque Card Electronic Bill payment Mobile Wire RTGS NS ACH Instant payment Giro SWIFT Correspondent account CLS CIPS SPFS BRICS PAY
Terms Asset allocation management Automated teller machine Bad debt Bank regulation Bank secrecy Asset growth Capital asset Cash Climate finance Corporate finance Disinvestment Diversification (finance) Eco-investing Economic bubble Economic expansion Enterprise value Enterprise risk management Environmental finance ESG Ethical banking Financial analysis analyst asset economics engineering forecast plan planner services Fractional-reserve banking Full-reserve banking Fundamental analysis Growth investing Hedge (finance) Impact investing Investment advisory Investment management Islamic banking Loan Mathematical finance Mobile banking Money creation Pension fund Private banking Sustainability Sustainable finance Speculation Statistical finance Strategic financial management Stress test (financial) Structured finance Structured product Toxic asset
Related topics Asset pricing Bond (finance) Capital structure Corporate finance Cost of capital Equity (finance) Ethical banking Exchange traded fund Financial law market participants regulation risk system History of banking List of banks Market risk Personal finance Public finance Security (finance) Shares Sustainable development goals Systematic risk Systemic risk Time value of money Too big to fail Too connected to fail Watered stock
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Personal finance is the financial management that an individual or a family unit performs to budget, save, and spend monetary resources in a controlled manner, taking into account various financial risks and future life events.

When planning personal finances, the individual would take into account the suitability of various banking products (checking accounts, savings accounts, credit cards, and loans), insurance products (health insurance, disability insurance, life insurance, etc.), and investment products (bonds, stocks, real estate, etc.), as well as participation in monitoring and management of credit scores, income taxes, retirement funds and pensions.