Di seguito sono riportate le ipotesi assunte per l’esempio. Si supponga quindi di:

	Nota
	Again these examples are not intended as valid and accurate advice. They are only to be considered as an example for the techniques used in GnuCash, and not as Investment Advice. Please consult a proper financial advisor for more information regarding international investments/loans.

This time let’s start with a fresh and new GnuCash data file, so File → New File, and edit preferences (Edit → Preferences, GnuCash → Preferences on Mac OS X) to set Default Currency as AUD. Since you have decided to be able to track as much detail of your income and expenses as possible, the following account hierarchy could be used;

You open the mail one morning, and to your enormous surprise find that you are the last living relative of a very distant relative who happened to be very rich. And so, now you are $500,000 AUD richer. That was not all though; another item in the mail states that you won the lottery, and got $250,000 AUD for that.

Per registrare queste transazioni, sono necessari i seguenti conti:

Le transazioni da inserire nel proprio conto Attività:Attività correnti:Conto risparmio dovrebbero essere come queste:

E la struttura dei conti dovrebbe assomigliare a questa dopo l’inserimento delle transazioni descritte più sopra.

Struttura dei conti dopo aver ricevuto alcuni soldi

At last you can afford to pay off that house loan you had to take some years ago (with a $50,000 deposit).

After you have had a small chat with your Mortgage bank, they agree to let you pay it all off in one go, plus some interest (AUD 30,000). You should enter the following split transaction into Assets:Fixed Assets:House account.

Il libro mastro della transazione per il conto Passività:Prestiti:Mutuo si presenta così dopo l’inserimento delle transazioni:

Libro mastro della transazione per il mutuo sulla casa

Since you quite suddenly have a lot of money in your bank account, you decide to visit a Financial Advisor, and after his recommendation (remember, this is fictional - not genuine stock purchase advice) you decide to purchase Telecommunication (Ericsson in Sweden), Beijing Airport (Hong Kong), and Amazon (USA).

The needed accounts to track these investments look like this:

Si decide di investire €100.000 in ogni titolo; per farlo è prima necessario eseguire una transazione di valuta ai vari conti bancari associati alle azioni.

La transazione da inserire nel conto Attività:Attività correnti:Conto risparmio è la seguente:

Now when there is some money in the various stock brokerage accounts, you ask each broker to buy shares of stock for the specified amount. Remember to execute the transaction from the bank account associated with the stock, and if the Exchange Rate window does not pop up, right click the row and manually select it. Enter the number of shares you purchase in the last entry (To Amount:).

As you can see in the Chart of Accounts, you have now purchased shares of stock in three different currencies (HK, USD, as well as in SEK), but the Chart of Account (as seen below) does not indicate how much they are valued in your home currency, AUD.

Alcuni dei conti nella struttura dei conti dopo l’acquisto delle azioni

The next section will ensure you get the various exchange rates so that GnuCash can show your total worth in the local currency (AUD in this case),

Per ricevere i tassi di cambio e le quotazioni azionarie attuali, andare in Strumenti → Editor prezzi e premere poi il pulsante Ricevi quotazioni.

Peter sta attraversando un periodo difficile oltreoceano. Dato che è un caro amico, si decide di aiutarlo con un prestito personale di 40.000 AUD.

Si tratta di una semplice transazione dal proprio conto dei risparmi (EUR), al conto Attività:Denaro prestato:Peter (AUD). Sia il tasso di cambio pari a 0,606161 (prelievo di EUR 65.989,10) e la spesa per il servizio di 35 EUR.

Your long-time Japanese friend offers you a Japanese house loan if you purchase a property overseas, with only AUD 50,000 as deposit. After having discussed this with your Financial Advisor in Australia and gone through the various risks and benefits related to your situation, you decide to accept his offer.

Nota

Again, this should not be taken as financial advice. Please consult with a registered financial advisor before undertaking investing (or speculating) in overseas markets, or local markets for that matter. A word of warning might be of interest here, taking a loan overseas for a very low interest rate might seem like a very good deal. Do keep in mind though that the exchange rate might change and can change drastically. If you take a loan in your local currency, you only have to worry about the interest rate. If you take a loan overseas, you then have to worry about the interest rate and the exchange rate.

Si immagini di aver trovato una piccola e confortevole villetta in una cittadina costiera vicino ad Auckland che potrebbe essere una casa estiva perfetta, e si decida di utilizzare il denaro in Giappone per acquistarla.

Per questo esempio occorrono i seguenti conti:

As you have seen in the above examples you have only done the initial purchases. The rest, that is, various selling transactions and unrealized gains tracking is left for you to ponder.