McKinsey, a consultancy, reckons that those five to ten years away from retirement hold almost a third of personal financial assets in America.

麦肯锡咨询公司预计那些还有五到十年退休的人几乎握有美国私人金融资产的三分之一。

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Incorporate your business to separate your financial and personal assets.

创立公司，将公司财政和个人财政分开。

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Their net financial assets, excluding equities, amount to 3.2 times personal disposable income, compared with a ration of only 1.9 in America and 1.1 in Germany (see left-hand chart).

除资产净值外，他们的净金融资产总计是个人可支配收入的3.2倍，相比之下，美国和德国仅为1.9和1.1倍。

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Many analysts have attempted to value gold in other ways, such as by assuming a constant ratio between the gold price and consumer prices, personal incomes, the amount of U.S. dollars in circulation or the value of the world's financial assets.

WSJ: Upside: The Great Gold Divide: Which Side Are You On?