Passive Income vs. Residual Income: An Overview(수동 소득 대 잔여 소득: 개요)

Passive Income vs. Residual Income: An Overview(수동 소득 대 잔여 소득: 개요)

If an individual's passive income is big enough, it can free up (자유롭게 하다)their time to do other things besides work. And although it may be risky when establishing the mechanism for passive income, it also offers increasing levels of financial security. If it provides steady cash flow, passive income can provide significant security because it’s not connected to your time. If it's not enough to quit your day job, it's still nice to have an additional income source to supplement what you earn from working. You may even have a better quality of life by moving more of your annual income to a passive source, especially if you have a lot of debt or a dependent(부양가족) gets sick. Earned income is anything you work for, such as wages, salaries, tips, commissions, and bonuses. With passive income, you may be an investor or silent partner, but you are not the person heading up (이끌다)the enterprise.

개인의 수동 소득이 충분히 크면 일 외에 다른 일에 시간을 할애할 수 있습니다. 그리고 수동 소득을 위한 메커니즘을 구축할 때 위험할 수 있지만 재정적 안정성을 높이는 수준도 제공합니다. 꾸준한 현금 흐름을 제공한다면 수동 소득은 시간과 연결되지 않기 때문에 상당한 보안을 제공할 수 있습니다. 하루 일과를 그만두는 것만으로는 충분하지 않더라도 일을 통해 벌어들이는 수입을 보충할 수 있는 추가 수입원이 있는 것이 좋습니다. 특히 부채가 많거나 부양가족이 병에 걸린 경우에는 연간 수입의 더 많은 부분을 수동적 출처로 옮겨 삶의 질을 높일 수도 있습니다. 근로 소득은 임금, 급여, 팁, 커미션 및 보너스와 같이 일하는 모든 것입니다. 수동 소득으로 당신은 투자자이거나 침묵하는 파트너일 수 있지만 기업을 이끄는 사람은 아닙니다.

Residual income in corporate finance is also referred to as a company's net operating income or profit exceeding its required rate of return. It is any profit remaining after a company pays all its capital costs. A company's residual income is generally used in assessing capital investment or business unit performance,When it comes to equity valuation, residual income is an economic earnings stream and the valuation method used to estimate a stock's value. The residual income valuation model values a company as the sum of book value and the present value of expected future residual income. This figure is calculated by subtracting the cost of net capital from net income. Special Considerations  When you define residual or passive income in terms of earning money on a regular basis due to stocks, royalties, or rental income, it is easy to see how the two terms are similarly descriptive. Passive income versus residual income and how they are defined depends on the circumstances of an individual or company.How Can I Create Residual Income?What Is Active Income?How are Passive Income and Residual Income Taxed?

기업 금융의 잔여 소득은 회사의 순 영업 소득 또는 요구 수익률을 초과하는 이익이라고도합니다. 회사가 모든 자본 비용을 지불하고 남은 이익입니다. 회사의 잔여 수입은 일반적으로 자본 투자 또는 사업 단위 성과를 평가하는 데 사용됩니다. 주식 평가와 관련하여 잔여 수입은 경제적 이익 흐름이며 주식 가치를 추정하는 데 사용되는 평가 방법입니다. 잔존수익 평가모형은 장부가액과 미래에 기대되는 잔존수익의 현재가치의 합으로 기업의 가치를 평가합니다. 이 수치는 순이익에서 순자본 비용을 뺀 값입니다. 특별 고려 사항 주식, 로열티 또는 임대 소득으로 인해 정기적으로 돈을 버는 측면에서 잔여 또는 수동 소득을 정의할 때 어떻게 되는지 쉽게 알 수 있습니다. 두 용어는 유사하게 설명합니다. 수동 소득 대 잔여 소득 및 정의 방법은 개인 또는 회사의 상황에 따라 다릅니다.잔여 소득은 어떻게 생성할 수 있습니까?활동 소득이란 무엇입니까?수동 소득 및 잔류 소득은 어떻게 과세됩니까?

Passive and residual income is taxable but not at the same rates as active income, and the amount you owe(지불할 의무가 있다) depends on numerous factors, like if the income is from financial dealings(거래) or real estate.1

수동 소득 및 잔여 소득은 과세 대상이지만 활성 소득과 동일한 세율이 아니며 귀하가 지불해야 하는 금액은 소득이 금융 거래 또는 부동산에서 발생하는 경우와 같은 다양한 요인에 따라 달라집니다.1

Your job earns active income in the form of a salary, hourly wage, tips, and commissions. Active income means you are performing tasks related to your job or career and getting paid for it. Active income takes up your time. Passive income allows you to earn money with minimal effort.

귀하의 직업은 급여, 시급, 팁 및 커미션의 형태로 활성 수입을 얻습니다. 활성 소득이란 직업이나 경력과 관련된 작업을 수행하고 그에 대한 보수를 받는 것을 의미합니다. 활성 소득은 시간이 걸립니다. 수동 소득을 사용하면 최소한의 노력으로 돈을 벌 수 있습니다.

There are relatively easy ways to create residual income. Renting out a room or your whole house on the weekends, tap into (접속하다)your hobbies, like selling your photographs or crafts online, or consider learning about stocks and peer-to-peer lending opportunities.

잔여소득을 창출하는 비교적 쉬운 방법이 있다.주말에 방이나 집 전체를 빌려주고, 사진이나 공예품을 온라인으로 파는 것과 같은 취미에 접속하다 주식과 피어투피어 대출 기회에 대해 배우는 것을 고려해 보라.

 

Passive and Residual Income FAQs

수동 및 잔여 소득 FAQ

Sometimes passive income and residual income are referred to as the same thing, the money you earn with little to no effort. But they are not interchangeable because they can mean very different things. For example, if you own a small business, your residual income is calculated by the profit made after you pay all of your bills. As an individual, residual income is how much you have leftover after you pay your debts and financial obligations like a mortgage, or rent, and your debts.

때때로 수동 소득과 잔여 소득은 거의 또는 전혀 노력하지 않고 버는 돈을 같은 것으로 언급합니다. 그러나 그것들은 매우 다른 것을 의미할 수 있기 때문에 상호 교환할 수 없습니다. 예를 들어, 소규모 사업체를 소유하고 있는 경우 잔여 소득은 모든 청구서를 지불한 후 발생한 이익으로 계산됩니다. 개인으로서 잔여 소득은 부채와 모기지 또는 임대료와 같은 재정적 의무 및 부채를 상환한 후 남은 금액입니다.

When used in the valuation of investments, residual income is the net income generated more than the minimum rate of return. 

투자 가치 평가에 사용될 때 잔여 소득은 최소 수익률보다 더 많이 발생하는 순이익입니다.

Equity Valuation

주식 가치 평가

Corporate Finance

기업 금융

 Residual income can be passive, but passive income isn't always residual. For example, mortgage lenders look at an individual's residual income to decide how much money a potential borrower can afford.

잔존 소득은 수동적일 수 있지만 수동적 소득이 항상 잔존하는 것은 아닙니다. 예를 들어, 모기지 대출 기관은 개인의 잔여 소득을 보고 잠재적인 차용인이 감당할 수 있는 금액을 결정합니다.

For instance, banks use residual income to determine whether applicants can afford a mortgage, comparing it to the cost of living in a particular area. To calculate residual income, the bank subtracts the mortgage payment, property insurance, and taxes, along with any other monthly payments—credit cards, installment accounts, or student loans from the applicant's monthly income. The amount left—which doesn't include food and utilities—is considered residual income.

예를 들어, 은행은 잔여 소득을 사용하여 신청자가 모기지를 감당할 수 있는지 여부를 특정 지역의 생활비와 비교합니다. 잔존 소득을 계산하기 위해 은행은 신청자의 월 소득에서 모기지 지불금, 재산 보험료, 세금을 공제하고 신용 카드, 할부 계좌 또는 학자금 대출과 같은 기타 월별 지불액을 뺍니다. 음식과 유틸리티를 포함하지 않은 남은 금액은 잔여 소득으로 간주됩니다.

Residual income is the income an individual has left after all personal debts and expenses are paid in personal finance. Residual income is the level used to help figure out the creditworthiness of a potential borrower.

잔여 소득은 모든 개인 부채와 비용을 개인 금융으로 지불한 후 개인이 남긴 소득입니다. 잔여 소득은 잠재적 차용인의 신용도를 파악하는 데 사용되는 수준입니다.

Personal Finance

개인금융

 

Here's a brief look at how each area looks at this kind of income.

각 지역이 이러한 종류의 소득을 어떻게 보는지 간단한 보기가 여기 있다.

Residual income is a form of passive income because entities may earn it without any effort. But it may mean different things depending on the context, whether that's in the world of personal finance, corporate finance, or equity valuation.

잔여 소득은 기업이 노력 없이 얻을 수 있기 때문에 수동 소득의 한 형태입니다. 그러나 개인 금융, 기업 금융 또는 주식 가치 평가의 세계인지에 따라 상황에 따라 다른 의미를 가질 수 있습니다.

 

Residual Income(잔여소득)

 

One example of passive income is the profit realized from a rental property owned by investors who are not actively involved in managing it. Another example is a dividend-producing stock that pays an annual percentage. While an investor must purchase the stock to realize the passive income, no other effort is required.

수동 소득의 한 예는 부동산 관리에 적극적으로 참여하지 않는 투자자가 소유한 임대 부동산에서 실현된 이익입니다. 또 다른 예는 연간 백분율을 지불하는 배당금을 생산하는 주식입니다. 투자자는 수동 소득을 실현하기 위해 주식을 구입해야하지만 다른 노력이 필요하지 않습니다.

Passive income is earned with little or no effort, and individuals and companies often make it regularly, such as an investment or peer-to-peer (P2P) lending. The Internal Revenue Service (IRS) distinguishes it from earned income as money earned from an entity with which you have no direct involvement.

수동 소득은 거의 또는 전혀 노력하지 않고도 얻을 수 있으며, 개인과 회사는 종종 투자나 P2P(Peer-to-Peer) 대출과 같이 정기적으로 수익을 냅니다. 국세청(IRS)은 귀하가 직접 관여하지 않은 법인에서 번 돈으로 근로 소득과 구분합니다.

Passive Income

수동 소득

KEY TAKEAWAYS

핵심참조

Passive income is money earned from an enterprise with little or no ongoing effort involved, but most likely, the upfront(선행,먼저) investment of a passive income stream took time and money.

수동 소득은 지속적인 노력이 거의 또는 전혀 없이 기업에서 번 돈이지만, 대부분 수동 소득 흐름에 대한 선행 투자에는 시간과 돈이 필요합니다.

Residual income is a calculation that determines how much discretionary money is available after financial obligations have been met.

잔여 소득은 재정적 의무가 충족된 후 얼마만큼의 재량 자금을 사용할 수 있는지를 결정하는 계산입니다.

Active and passive income streams are both taxed but in different ways.

능동적 소득원과 수동적 소득원 모두 과세되지만 방식은 다릅니다.

Passive income can be earned in various ways, such as renting out your home on a home-sharing app or selling your crafts online.

수동 소득은 주택 공유 앱에서 집을 임대하거나 온라인으로 공예품을 판매하는 등 다양한 방법으로 얻을 수 있습니다.

Residual or left-over funds from active income can be used to support a passive income earning endeavor.

적극소득의 잔여 자금 또는 남은 자금은 수동 소득 획득 노력을 지원하는 데 사용할 수 있습니다.

Passive income is money earned from an enterprise that has little or no ongoing(진행하고 있는) effort involved. Residual income is not exactly a type of income but a calculation determining how much discretionary money an individual or entity can spend after paying their bills and meeting their financial obligations.

수동 소득은 관련된 지속적인 노력이 거의 또는 전혀 없는 기업에서 번 돈입니다. 잔여 소득은 정확히 소득의 한 유형이 아니라 개인 또는 법인이 청구서를 지불하고 재정적 의무를 이행한 후 얼마만큼의 임의 금액을 지출할 수 있는지를 결정하는 계산입니다.

Income refers to money a person or business entity(본체,실체) receives to provide a service or when making an investment. Passive income and residual income are two categories of income. Although these terms are often used interchangeably, they are fundamentally different. While residual income may be passive, passive income isn't always residual.

소득이란 개인이나 사업체가 용역을 제공하거나 투자를 할 때 받는 돈을 말합니다. 수동 소득과 잔여 소득은 소득의 두 가지 범주입니다. 이러한 용어는 종종 같은 의미로 사용되지만 근본적으로 다릅니다. 잔여 소득이 수동적일 수 있지만 수동적 소득이 항상 잔여 소득인 것은 아닙니다.

Passive Income vs. Residual Income: What's the Difference?

수동 소득 대 잔여 소득: 차이점은 무엇입니까?