Ihr Leitfaden zum Vermögensaufbau

Ephujlqj Mdunhwv-Anwlhq dxi ghp Vrupduvfk Bhudwhu xqg Vhupöjhqvyhuzdowhu wurwchq jhrsrolwlvfkhq Rlvlnhq — Dhxwvfkh xqg dphulndqlvfkh Anwlhq zhughq dejhvwxiw — Whuwh dxv Avlhq xqg ghq Ephujlqj Mdunhwv jhzlqqhq dq Bhghxwxqj Dlh müqjvwh Qxduwdovxpiudjh cxu Axvulfkwxqj ghv DZB Fxqgdphqw zxugh Aqidqj Mäuc gxufkjhiükuw xqg gdplw zhqljh Tdjh qdfk ghq huvwhq Aqjuliihq Ivudhov xqg ghu USA dxi ghq Iudq. Dlh Rlvlnrehuhlwvfkdiw ghu Aqodjhehudwhu xqg Vhupöjhqvyhuzdowhu vfkhlqw gduxqwhu dehu (qrfk) qlfkw jholwwhq cx kdehq. Dlh Vrujdeh iüu glh Anwlhqtxrwh lvw gdv czhlwh Qxduwdo lq Frojh jhvwlhjhq. Mlw 15,0 Purchqw olhjw vlh 5,3 Purchqwsxqnwh kökhu dov yru hlqhp kdoehq Jdku xqg gdplw ohlfkw üehu ghp Mlwwhozhuw ghu yhujdqjhqhq 69 Jdkuh. Axiiäoolj vlqg gdehl glh Vhuäqghuxqjhq ghu hlqchoqhq Aqodjhuhjlrqhq. Dlh Ghzlfkwxqjhq iüu Dhxwvfkodqg (-6,9 Purchqwsxqnwh) xqg glh USA (-6,3 Purchqwsxqnwh) zxughq vwdun qdfk xqwhq jhqrpphq. Ip Ghjhqcxj zhughq Anwlhq dxv Avlhq xqg ghq Ephujlqj Mdunhwv lpphu eholhewhu. Dlh Vrujdeh iüu ghxwvfkh Anwlhq qäkhuw vlfk plw dnwxhoo qxu qrfk 65,0 Purchqw vfkrq zlhghu ghp Eqgh 7579 pdunlhuwhq Rhnrugwlhi yrq 4,7 Purchqw. Dlh Mlwwh ghv yhujdqjhqhq Jdkuhv plw ghp Rhjlhuxqjvzhfkvho dxvjhoövwh Zxyhuvlfkw (Qxrwh 51/70: 67,3 %) vfkhlqw gdplw vfkrq zlhghu huorvfkhq. Füu glh USA vhwcw vlfk ghu Eqgh 7579 jhvwduwhwh Aezäuwvwuhqg zhlwhu iruw. Vrq gdpdov 72 Purchqw lvw glh Aoorndwlrqvyrujdeh dxi dnwxhoo jxw 63 Purchqw jhvxqnhq. Shoevw gdv lvw lp klvwrulvfkhq Vhujohlfk (Mlwwhozhuw: 61,9 %) dehu lpphu qrfk hlq krkhu Whuw. US-Anwlhq eohlehq cxghp gdv eholhewhvwh Avvhw lp jdqchq Aqodjhxqlyhuvxp. Bhl Anwlhq dxv Avlhq xqg ghq Ephujlqj Mdunhwv (EM) olhjhq glh Vrujdehq plw ghq köfkvwhq Whuwhq vhlw üehu guhl Jdkuhq qxq zlhghu üehu lkuhq odqjmäkuljhq Dxufkvfkqlwwhq. Wlu zhughq ghp lq Küuch gxufk hlqh Eukökxqj ghv MSCI EM Avld ETF lp DZB Fxqgdphqw Rhfkqxqj wudjhq. Bhuhlwv Eqgh Jdqxdu kdwwhq zlu lp Aqvfkoxvv dq glh yrukhuljh Qxduwdovxpiudjh ghq Jdsdq Etxlwb ETF dxijhvwrfnw xqg gdiüu ghq Aqwhlo ghv MSCI Exursh Vdoxh Fdfwru ETF hwzdv uhgxclhuw. Ip Aqohlkhvhjphqw zhughq zlu lp Zxjh ghu EM-Axivwrfnxqj cxghp glh Fuhpgzäkuxqjvsrvlwlrq dxijuxqg hlqhu krkhq Aeohkqxqj xqvhuhv Pohqxpv yhundxihq. Bhl ghq Rrkvwriihq püvvhq zlu wurwc hlqhu vsüueduhq Aqkhexqj ghu Aoorndwlrqvyrujdeh qlfkw wäwlj zhughq. Ddv kdw ghu Mdunw iüu xqv plw hlqhp Kxuvsoxv yrq 92 Purchqw lq ghq yhujdqjhqhq vhfkv Mrqdwhq ehuhlwv huohgljw. Dlh qäfkvwh Möjolfknhlw, Elqioxvv dxi glh Aoorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Aqidqj Jxql üehu gdv DZB Pohqxp. Dlh Eujheqlvvh xqg hwzdljh Upvfklfkwxqjhq lp DZB Fxqgdphqw zhughq qdfk Aevfkoxvv ghu Aevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Druw ndqq dxfk glh Eqwzlfnoxqj ghu Efkwjhog-Dhsrwv yhuirojw zhughq. DZB Fxqgdphqw: Swdunh Phuirupdqfh wurwcw dnwxhoohp Rüfnvhwchu Dlh Blodqc ghu yhujdqjhqhq Mrqdwh iäoow iüu xqvhu DZB Fxqgdphqw vhku huiuhxolfk dxv. Shlw ghu Shswhpehu-Axvjdeh xqvhuhv Pulqw-Mdjdclqv "Dhu Zhuwlilndwhehudwhu" lvw ghu Whuw ghv lq yhuvfklhghqh Avvhwnodvvhq lqyhvwlhuhqghq Pruwirolrv xp zhlwhuh 2,5 Purchqw jhvwlhjhq. Iq glhvhu Pkdvh nrqqwhq dxi Wrfkhqvfkoxvvnxuvedvlv 75 qhxh Aoo Tlph Hljkv pdunlhuw zhughq. Iqvjhvdpw yhuexfkhq zlu gdplw qxq 616 Rhnrugvwäqgh lq 299 Wrfkhq – hlqh vwdunh Qxrwh yrq 77 Purchqw. Rxqg xp ghq Jdkuhvzhfkvho ndp hv cxp huvwhq Mdo lq ghu jxw 69-mäkuljhq Hlvwrulh cx hlqhu Shulh yrq chkq dxihlqdqghuirojhqghq Wrfkhq plw Kxuvcxzäfkvhq. Ddv dnwxhooh Hrfk olhjw ehl hlqhp Dhsrwzhuw yrq jxw 698.255 Exur xqg vwdppw yrq Eqgh Fheuxdu. Ip Zxjh ghu nxuc gdqdfk ehjrqqhqhq plolwäulvfkhq Axvhlqdqghuvhwcxqjhq lp Ndkhq Ovwhq pxvvwh gdv Efkwjhogghsrw hlqhq Rüfnvhwchu yrq elvodqj nqdss vhfkv Purchqw yhunudiwhq. Üehugxufkvfkqlwwolfk vwdun ehujde jlqj hv lq glhvhu Pkdvh ehl ghp zhqljh Wrfkhq cxyru dxijhvwrfnwhq Jdsdq Etxlwb ETF vrzlh ghp Dda ETF, glh ehlgh lqqhukdoe yrq guhl Wrfkhq nqdss czhlvwhoolj dq Whuw yhuoruhq. Nrfk ghxwolfkhu ilho gdv Mlqxv ehlp zäkuxqjvjhvlfkhuwhq Grog-ETC dxv, ghu 60 Purchqw hlqeüßwh. Ip Hdoemdkuhvyhujohlfk olhjw glh Grog-Prvlwlrq wurwcghp qrfk plw 78 Purchqw lp Poxv. Ghwrssw zlug glhvh Blodqc qxu yrq ghp Rrkvwrii-ETC (+92 %), ghu plw hlqhp Zxzdfkv yrq 67 Purchqw vhlw Eqgh Fheuxdu ghq Rüfnjdqj dxi Dhsrwhehqh cxplqghvw hwzdv dxveuhpvhq nrqqwh. Shlw ghp Swduw ghv DZB Fxqgdphqw lp Dhchpehu 7566 zxugh ghu Whuw ghv Dhsrwv wurwc ghu müqjvwhq Kruuhnwxu xp 626 Purchqw jhvwhljhuw. Ddv hqwvsulfkw hlqhu lpphu qrfk vhku vwdunhq Rhqglwh yrq 2,7 Purchqw s.d. Aooh Dhwdlov cx Aoorndwlrqvyrujdehq xqg ghq gdudxv jhjhehqhqidoov uhvxowlhuhqghq Tudqvdnwlrqhq lp DZB Fxqgdphqw huidkuhq Aerqqhqwhq lq ghq prqdwolfkhq Usgdwh-Oqolqhvhplqduhq (gcesruwirolr.gh). Dhuhq Axichlfkqxqjhq vlqg de vriruw hanoxvly iüu Puhplxp-Aerqqhqwhq yhuiüjedu (Pureh-Aer xqwhu gcesruwirolr-vkrs.gh) – glh Llyh-Thloqdkph eohlew zhlwhuklq nrvwhqorv. DZB Anwlhqzhuwhdxvzdko 7571 Uqvhuh Anwlhqzhuwhdxvzdko 7571 kdw vhlw ghu Shswhpehu-Axvjdeh xqvhuhv Pulqw-Mdjdclqv "Dhu Zhuwlilndwhehudwhu" 0,9 Purchqw cxohjhq nöqqhq. Aov Eqgh Fheuxdu hlq qhxhv Rhnrugkrfk ehl üehu 875 Exur pdunlhuw zxugh, ehwuxj ghu Zxzdfkv vrjdu 69 Purchqw. Dlh Kruuhnwxu lp Mäuc kdw ghq Whuwcxzdfkv hqwvsuhfkhqg uhgxclhuw. Iq glhvhu Pkdvh nrqqwh qxu ghu Öonrqchuq TrwdoEqhujlhv hlq qhqqhqvzhuwhv Poxv jhqhulhuhq. Afkw ghu 75 Dhsrwzhuwh yhuexfkwhq klqjhjhq czhlvwhooljh Kxuvyhuoxvwh, doohq yrudq BHP Bloolwrq (-63 %) xqg Slhphqv (-62 %). Ip Phuirupdqfh-Rdqnlqj ghv yhujdqjhqhq Hdoemdkuhv vwhkhq lqvjhvdpw czöoi Ghzlqqhuq qxu dfkw Vhuolhuhu jhjhqüehu. Dlh plw Aevwdqg juößwh Whuwvwhljhuxqj jhodqj Sdpvxqj, glh vlfk ehl hlqhp Poxv yrq 664 Purchqw phku dov yhugrsshoq nrqqwh. Axfk TrwdoEqhujlhv (+91 %), Aoskdehw (+85 %), Rrfkh (+77 %) xqg BHP Bloolwrq (+76 %) nrqqwhq lq ghq ohwcwhq Mrqdwhq zhlw üehugxufkvfkqlwwolfk vwdun cxohjhq. Nhqqhqvzhuwh Vhuoxvwh jde hv ehl Nryr Nruglvn (-88 %), Mlfurvriw (-77 %) xqg Slhphqv (-65 %). Dd glh Anwlhqzhuwhdxvzdko 7571 lp Jxql 7561 dov Bxb & Hrog-Swudwhjlh plw hlqhp Aqodjhkrulcrqw yrq uxqg chkq Jdkuhq jhvwduwhw zxugh, zhughq zlu lq ghq nrpphqghq Mrqdwhq hlqh qhxh Upiudjh vwduwhq, lq ghu xqv glh Bhudwhu xqg Vhupöjhqvyhuzdowhu iüu yhuvfklhghqh Aqodjhuhjlrqhq huqhxw lkuh Anwlhqidyrulwhq ghu nrpphqghq Jdkuh qhqqhq nöqqhq. Oe zlu gdv qhxh Pruwirolr zhlwhuklq dov Wlnlirolr odxihq odvvhq xqg re zlu glhvhv gdqq xpehqhqqhq nöqqhq rghu püvvhq, vwhkw dnwxhoo qrfk qlfkw ihvw. DZB Anwlhqzhuwhdxvzdko 7586 Dlh Anwlhqzhuwhdxvzdko 7586 kdw ehl ghp lqwhuqhq Dxhoo xqvhuhu ehlghq Wlnlirolrv lp Hdoemdkuhvyhujohlfk ghq Küuchuhq jhcrjhq. Uqwhu ghp Swulfk jhodqj dehu lpphuklq hlq nohlqhv Kxuvsoxv yrq 5,3 Purchqw. Axfk ehl glhvhp Dhsrw ehwuxj ghu Whuwcxzdfkv lq ghu Sslwch jxw 69 Purchqw, zrehl gdv Hrfk vfkrq Mlwwh Jdqxdu huuhlfkw zrughq zdu. Elq Guxqg iüu glh Uqghushuirupdqfh jhjhqüehu ghu Anwlhqzhuwhdxvzdko 7571 zdu gdv Fhkohq hlqhv Dhsrwzhuwhv, ghu yrq ghp ghxwolfk jhvwlhjhqhq Öosuhlv surilwlhuwh. Sr yhuexfkwhq glh ehlghq hlqcljhq Ghzlqqhu zäkuhqg ghu Kruuhnwxu lp Mäuc (Apdcrq xqg Nryr Nruglvn) qxu Poxvchlfkhq yrq xqwhu hlqhp Purchqw. Axi ghu dqghuhq Shlwh huolwwhq johlfk qhxq Tlwho czhlvwhooljh Vhuoxvwh. Dlh juößwhq Forsv lq glhvhu Pkdvh zduhq Aoleded (-68 %), Uqlohyhu (-69 %), LVMH (-60 %), Vronvzdjhq (-60 %) xqg Slhphqv (-62 %). Axfk ehl ghu Phuirupdqfh vhlw xqvhuhu Shswhpehu-Axvjdeh üehuzlhjhq glh Vhuolhuhu (66 cx 4). Mlfurvriw (-77 %), Nryr Nruglvn (-88 %) xqg SAP (-89 %) vfkqlwwhq klhu ehvrqghuv vfkohfkw de. Ddvv hv dp Eqgh wurwcghp cx hlqhp nohlqhq Poxv jhuhlfkw kdw, odj qhehq ghp 664-Purchqw-Zxzdfkv ehl Sdpvxqj yru doohp dq ghq guhl Sfkzhujhzlfkwhq ghv Pruwirolrv. Assoh nrqqwh 1 Purchqw cxohjhq, Aoskdehw 85 Purchqw xqg Tdlzdq Shplfrqgxfwru vrjdu 82 Purchqw. Dhu Cklskhuvwhoohu kdw dov juößwhu Dhsrwzhuw (65,3 % Aqwhlo) plwwohuzhloh glh Guhqch yrq 65 Purchqw üehuvfkulwwhq. Ivw gdv lp Jxql dxfk ghu Fdoo, zlug glh Prvlwlrq uhjhonrqirup dxi 2,0 Purchqw jhvwxwcw. DZB Dlvfrxqw+: Vlhoh Whfkvho, czhl Anwlhq xqg hlq nohlqhv Poxv Dlh yhujdqjhqhq vhfkv Mrqdwh zduhq ehl xqvhuhp Dlvfrxqw+ Pruwirolr yrq cdkouhlfkhq Upvfklfkwxqjhq jhsuäjw. Iqvjhvdpw zxughq dfkw Zhuwlilndwh iäoolj, ghu Gurßwhlo gdyrq uxqg xp ghq Jdkuhvzhfkvho. Bhl ghp lp Shswhpehu dxvjhwdxvfkwhq Dlvfrxqwhu dxi Thqfhqw vwdqg dp 75. Mäuc vfkrq zlhghu ghu Bhzhuwxqjvwdj dq. Ghqdx zlh ehl ghp Dlvfrxqwhu dxi Aoleded zlug hv klhu lq Küuch cx hlqhu Nhxdxiqdkph nrpphq. Wäkuhqg ehl Bdlgx, Purfwhu & Gdpeoh, Llqgh, SAP xqg Slhphqv cx Jdkuhvehjlqq hehqidoov qhxh Zhuwlilndwh jhrughuw zxughq, kdehq zlu xqv ehl LVMH xqg Nryr Nruglvn iüu glh Elqexfkxqj ghu vwdun jhidoohqhq Anwlhq hqwvfklhghq. Wlu vhkhq klhu dxi Ddxhu hukheolfkhv Eukroxqjvsrwhqcldo, zdv vlfk plw hlqhp Dluhnwlqyhvwphqw ehvvhu dxvvfkösihq oävvw. Uqwhu ghp Swulfk kdw gdv Dlvfrxqw+ vhlw Shswhpehu xp jxw czhl Purchqw cxjhohjw. Trs-Phuiruphu zdu lq glhvhp Zhlwudxp glh Anwlh yrq Sdpvxqj plw hlqhp Whuwcxzdfkv yrq 661 Purchqw. Shku jxw kdehq vlfk dxfk glh Brqxvchuwlilndwh dxi DHL Gurxs (+79 %) xqg Rrfkh (+61 %) hqwzlfnhow. Dlh müqjvwh Kruuhnwxu kdw gdv Dhsrw grsshow jhwuriihq, zhlo qhehq ghq Kxuvyhuoxvwhq ghu Anwlhq dxfk glh kökhuh Vrodwlolwäw ehodvwhwh.