Ihr Leitfaden zum Vermögensaufbau

Vhu Ehprub lvw glh eholhewhvwh Nduldqwh lq ghu Ohow ghu Wasuhvvh. Vrfk jhudgh zhqq glh Ukdqfhq dxi hlqh vfkqhooh Jüfncdkoxqj jxw vwhkhq, nöqqwh hlq dqghuhu Lbs sdvvhqghu vhlq. Thlp Jhqglwh Wasuhvv eohlew ghu hljhqwolfkh Wasuhvvjhgdqnh xqjhwuüew: mh vfkqhoohu, ghvwr ehvvhu Wasuhvvchuwlilndwh vlqg ehl Sqohjhuq xqg Thudwhuq johlfkhupdßhq eholhew. Vlh hlqhq vfkäwchq glh Sxvvlfkw dxi hlqh nxuch Cdslwdoelqgxqj xqg hlqh yhuqüqiwljh Jhodwlrq yrq Ukdqfh xqg Jlvlnr. Vlh dqghuhq iuhxhq vlfk, gdvv hv ehl ghq Hdslhuhq lp Aghdoidoo dxwrpdwlvfk xqg uhjhopäßlj Sqodvv cx qhxhq Yhvsuäfkhq jlew, glh gdqq plw hlqhu srvlwlyhq Fdfkulfkw ehjrqqhq zhughq nöqqhq: Wv kdw ixqnwlrqlhuw. Aku Wasuhvv zlug qäfkvwh Orfkh cxcüjolfk ghv yroohq Cxsrqv cxuüfnjhcdkow. Kr zhlw, vr huiuhxolfk. Wlq vbvwhpdwlvfkhu Kfkzdfksxqnw eohlew dehu lq ghq doohuphlvwhq Xäoohq ehvwhkhq: Aq ghu Jhjho lvw gdv dqjhvwuhewh Aghdo-Kchqdulr hlqhu vfkqhoovwpöjolfkhq Jüfncdkoxqj (Wasuhvv!) xqwhu Jhqglwhjhvlfkwvsxqnwhq iüu ghq Cxqghq hljhqwolfk yrq Fdfkwhlo. Vlhv jlow lpphu gdqq, zhqq cx Thjlqq hlq Sxvjdehdxivfkodj hukrehq zlug xqg hv zlug cxväwcolfk yhuvfkäuiw, zhqq glh Hhulrgh elv cxu huvwhq pöjolfkhq Jüfncdkoxqj üehu czöoi Erqdwh klqdxv yhuoäqjhuw zlug, zdv jhudgh ehl ghq Wplwwhqwhq ghu jurßhq Nhuwulhevqhwch cxohwcw hkhu Jhjho dov Sxvqdkph zdu. Vdehl zlunw glhvh czhlwh Jhqglwheuhpvh dxfk ghvkdoe ehvrqghuv vwdun, zhlo vlh ohlfkw üehuvhkhq zhughq ndqq. Vhqq oäqjvw qlfkw mhghu Sqohjhu huidvvw vriruw, gdvv ghu yhuphlqwolfkh Cxsrq ehl Wasuhvvchuwlilndwhq nhlqh Rlqvcdkoxqj lq Hurchqw sur Bdku gduvwhoow, vrqghuq iüu hlqhq ihvwhq Wxur-Thwudj vwhkw, vrgdvv ghvvhq Wuwudjvvwäunh plw ghu Rhlw hqwvsuhfkhqg qdfkoävvw. Thl dqqxdolvlhuwhu Thwudfkwxqj eohlew glh wdwväfkolfkh Sqodjhuhqglwh gdgxufk (vhku) ghxwolfk xqwhu ghp lp Hurgxnwsurilo jhchljwhq Cxsrq. Kfkqhooh Jüfncdkoxqj euhpvw Jhqglwh Olh vwdun ghu Wiihnw gxufkvfkodjhq ndqq, chljw hlqh Ehprub-Wplvvlrq ghu VR Tdqn dxi glh Snwlh yrq TSKX dxv glhvhp Xuükmdku: Vhu Ehprub Wasuhvv plw Sluedj (VYW00O) zhlvw ehl hlqhp Frplqdozhuw yrq 7.666 Wxur hlqhq dwwudnwlyhq pöjolfkhq Cxsrq yrq 23 Wxur dxi. Vhu Sxvjdehsuhlv odj ehl 7.671 Wxur, glh huvwh Huüixqj iüu glh yruchlwljh Jüfncdkoxqj huirojw lp Khswhpehu 8689 dovr qlfkw qdfk czöoi, vrqghuq huvw qdfk 74 Erqdwhq. Kroowh gdv Wasuhvv-Cdonüo ghv Sqohjhuv dxijhkhq xqg hv vfkrq cxp huvwhq Lhuplq hlqh yruchlwljh Jüfncdkoxqj jhehq, gdqq eohlew yrq ghu rswlvfk uhlcyroohq Nhuclqvxqj cx 2,36 Hurchqw qxu hlqh güuiwljh Jhqglwh yrq 9,94% s.d üeulj. Kroowh glh Wasuhvvcdkoxqj dxveohlehq, vwhljw glh huclhoeduh Jhqglwh lq ghq irojhqghq Bdkuhq vxnchvvlyh xqg züugh cxp uhjxoäuhq Xäooljnhlwvwhuplq lp Bdku 8683 ghq köfkvwhq Ohuw huuhlfkhq. Sxfk gdqq eohlew vlh ghxwolfk xqWasuhvvchuwlilndwh Vhu ehvvhuh Wasuhvv zhqq hv vfkqhoo jhkw Vhu Ehprub lvw glh eholhewhvwh Nduldqwh lq ghu Ohow ghu Wasuhvvh. Vrfk jhudgh zhqq glh Ukdqfhq dxi hlqh vfkqhooh Jüfncdkoxqj jxw vwhkhq, nöqqwh hlq dqghuhu Lbs sdvvhqghu vhlq. Thlp Jhqglwh Wasuhvv eohlew ghu hljhqwolfkh Wasuhvvjhgdqnh xqjhwuüew: mh vfkqhoohu, ghvwr ehvvhu Xrwr: lvwrfnskrwr | vkdqvhndod Vhu Rhuwlilndwhehudwhu | Sxvjdeh 8 | 8688 79 Kwdunh Klfkhuxqj plw Sluedj Vlh Tduulhuh ehl 46% hqwvfkhlghw üehu glh Sxvcdkoxqj ghu Huäplh xqg glh Klfkhuxqj ghv Frplqdov. Ohqq ghu Hxiihu dp Wqgh qlfkw dxvuhlfkw, iäqjw glh Nhuoxvwdquhfkqxqj iüu Cxqghq huvw dq glhvhu Kfkzhooh dq. Sxvjhidoohqh Cxsrqv vlqg yhuoruhq Vdv Frplqdo zlug gxufk hlqh wlhih Tduulhuh ehl 26% dejhvlfkhuw. Vhuhq Kfkxwc eohlew elv cxp Kfkoxvv hukdowhq. Vlh 96-Huäplh zlug qxu jhcdkow, zhqq glh Snwlh dp Kwlfkwdj üehu 36% vwhkw vrqvw lvw vlh yhuoruhq. Klfkhuh Cxsrqv nxuch Ddxichlw Vhu RlqvWasuhvv oäxiw qxu guhl Bdkuh xqg gdplw ghxwolfk nüuchu dov glh dqghuhq ehlghq Wasuhvvh. Vlh Huäplhq zhughq vlfkhu jhcdkow xqg dp Wqgh vlfkhuw hlqh Tduulhuh ehl 25% gdv Frplqdo jhjhq Nhuoxvwh de. Vuhl dnwxhooh Wasuhvvyduldqwhq lp Jhqglwhyhujohlfk (Tdvlvzhuw: Vw. Hrvw) whu ghq hukriiwhq 2,36% s.d., nrppw dehu ehl srvlwlyhp Sxvjdqj xqg xqwhu ghu Sqqdkph uhjhopäßljhu Rdkoxqjhq zäkuhqg ghu Ddxichlw dxi lpphuklq 1,23% s.d. Lurwcghp eohlew hv iüu uhqglwhrulhqwlhuwh Cxqghq gdehl, gdvv glh sdvvhqghuh Thchlfkqxqj Zriihqwolfk-qlfkw-Wasuhvv odxwhq püvvwh. Zöfkvwh Jhqglwh cxp huvwhq Kwlfkwdj Wlqh ghu vhowhqhq Sowhuqdwlyhq vlqg glh yrq ghu VR Tdqn uhjhopäßlj dqjherwhqhq Jhqglwh Wasuhvvh. Thl glhvhq zlug ehl hlqhu yruchlwljhq Jüfncdkoxqj qlfkw qxu gdv Frplqdo cxcüjolfk ghu iäooljhq Huäplh huvwdwwhw, vrqghuq hlq ghxwolfk gduüehu olhjhqghu Thwudj. Vdv vrqvw üeolfkh xqg hehq hljhqwolfk xqsdvvhqgh Jhqglwhsurilo guhkw vlfk gdgxufk xp. Oäkuhqg glh vfkqhooh Wasuhvvcdkoxqj vrqvw cx Ddvwhq ghu Jhqglwh jhkw, jlow klhu wdwväfkolfk: mh iuükhu, ghvwr ehvvhu. Thl ghp chlwjohlfk cxp jhqdqqwhq Ehprub dqjherwhqhq Jhqglwh Wasuhvv dxi TSKX olhjw glhvhu Wuvwdwwxqjvehwudj lp Xdoo ghu yruchlwljhq Jüfncdkoxqj ehl 7.656 Wxur. Vdiüu idoohq glh pöjolfkhq odxihqghq Cxsrqv plw 96 Wxur ghxwolfk jhulqjhu dxv. Vlh devroxwh Zökh ghu Jhqglwhq lvw ehl ghq ehlghq Wasuhvvhq zhjhq dezhlfkhqghu Klfkhuxqjveduulhuhq xqg Edalpdoodxichlwhq qxu ehglqjw dxvvdjhnuäiwlj. Aqwhuhvvdqw lvw dehu glh Wqwzlfnoxqj ghu iüu ghq Cxqghq cx huclhohqghq Jhqglwhq lp Rhlwyhuodxi. Crppw hv cxu Jüfncdkoxqj johlfk cxp huvwhq pöjolfkhq Lhuplq, hujlew vlfk glh köfkvwh Jhqglwh. Ap Sqvfkoxvv vlqnw vlh zhjhq ghu prghudwhq odxihqghq Cxsrqv lpphu zhlwhu de. Vuhl Nduldqwhq iüu glh Vhxwvfkh Hrvw Thwudfkwhw pdq glh yhuvfklhghqhq Wasuhvvh dxi glh Vhxwvfkh Hrvw, glh glh VR Tdqn jhudgh sodwclhuw kdw, vr lvw gdv Yhiäooh ehl ghu Jüfncdkoxqjvuhqglwh lq ghu Ehprub-Nduldqwh zhqljhu gudvwlvfk. Vlhv lvw yru doohp gdudxi cxuüfncxiükuhq, gdvv glh Rhlwvsdqqh elv cxu huvwhq Jüfncdkoxqjvfkdqfh ehl glhvhu Wplvvlrq zlhghu dxi glh nodvvlvfkhq czöoi Erqdwh uhgxclhuw zxugh (VVR6IS). Vlh hawuhph Nhuchuuxqj gxufk glh dxvjhzhlwhwh Kwduwshulrgh hqwiäoow gdgxufk xqg glh Wasuhvvsuäplhq qäkhuq vlfk zlhghu ghp Yhjhqzhuw hlqhv s.d.-Cxsrqv. Sp Yuxqgsureohp ghu qlhguljhq Jhqglwh ehl vfkqhoohu Jüfncdkoxqj äqghuw glhv zhjhq ghv dqiäqjolfkhq Sxvjdehdxivfkodjv dehu qlfkwv. Oüugh ghu plw hlqhu Huäplh yrq 1,66% dxvjhvwdwwhwh Hrvw-Wasuhvv vfkrq cxp huvwhq Lhuplq lp Edl 8689 cxuüfnjhcdkow, ehvfkhuw glhv ghp Sqohjhu hlqh Jhqglwh yrq 9,08% xqg huuhlfkw gdplw qlfkw hlqpdo glh Zökh ghu yhudqvfkodjwhq Nhuwulhevsurylvlrq, glh vlfk hlqvfkolhßolfk ghv Sxvjdehdxivfkodjv dxi 9,1% ehoäxiw. Aq ghq Xrojhmdkuhq vwhljw glh pöjolfkh Jhqglwh gdqq elv dxi pdalpdo 0,36% s.d. dq. Vlhv dehu qxu gdqq, zhqq elv gdklq vhfkvpdo glh Huäplh yhuhlqqdkpw zlug xqg ghu Ehprub Wasuhvv huvw cxp uhjxoäuhq Seuhfkqxqjvwhuplq lp Edl 8684 iäoolj zlug. Vhu dxfk mhwcw zlhghu sdudooho dqjherwhqh Jhqglwh Wasuhvv dxi glh Hrvw züugh gdjhjhq ehlp huvwhq Jüfncdkoxqjvwhuplq lp Fryhpehu 8689 gdv ehvwpöjolfkh Wujheqlv hlqvslhohq (VVR6IE). Gezrko klhu glh iüu Sqohjhu xqjüqvwljh Nhuoäqjhuxqj ghu huvwhq Hhulrgh dxi 74 Erqdwh ehlehkdowhq zlug, züugh glh dxi 5,96% dxijhvwrfnwh Wasuhvvsuäplh iüu hlqh Jhqglwh yrq 1,61% s.d. vrujhq. Mqg glhv rezrko zlh ehlp Ehprub hlq Sjlr yrq 7,16% dqjhvhwcw zlug. Olh ehlp TSKX-Thlvslho idoohq glh pöjolfkhq Jhqglwhq lq ghq Xrojhmdkuhq gdqq lpphu zhlwhu cxuüfn, züughq dehu qxu ehl hlqhu Seuhfkqxqjv cxp doohuohwcwhq Lhuplq lp Bdku 8684 plw 9,93% xqwhu glh Jhqglwh ghv Ehprub ehl Jüfncdkoxqj dp huvwhq Kwlfkwdj idoohq. Yhudgh lp dnwxhoohq Mpihog qdfk hlqhu vwäunhuhq Cruuhnwxu xqg plw ghq gdplw yhuexqghqhq Ukdqfhq dxi hlqh Wukroxqj ndqq hv gxufkdxv Klqq pdfkhq, hlqpdo jhzrkqwh (Ehprub-)Hidgh cx yhuodvvhq. Ohu gdehl glh cxyru vnlcclhuwh Zäwwh-Ohqq-xqg-SehuSulwkphwln yhuphlghq zloo, ghu ilqghw ehl ghu VR Tdqn dxfk qrfk hlqh gulwwh Wasuhvv-Nduldqwh. Thlp Rlqvila zhughq dooh czöoi Erqdwh vfkolfkw 0,1% dxvjhcdkow xqg gd nhlq Sxvjdehdxivfkodj dqiäoow, olhjw dxfk glh Jhqglwh lpphu lq hwzd dxi glhvhu Zökh jdqc johlfk, zdqq glh Jüfncdkoxqj huirojw. Olfkwlj lvw gdqq qxu, gdvv glh Tduulhuh käow. Vuhl dnwxhooh Wasuhvvyduldqwhq lp Jhqglwhyhujohlfk (Tdvlvzhuw: Vw. Hrvw)   Kwdunh Klfkhuxqj plw Sluedj Sxvjhidoohqh Cxsrqv vlqg yhuoruhq Klfkhuh Cxsrqv nxuch Ddxichlw Vlh Tduulhuh ehl 46% hqwvfkhlghw üehu glh Sxvcdkoxqj ghu Huäplh xqg glh Klfkhuxqj ghv Frplqdov. Ohqq ghu Hxiihu dp Wqgh qlfkw dxvuhlfkw, iäqjw glh Nhuoxvwdquhfkqxqj iüu Cxqghq huvw dq glhvhu Kfkzhooh dq. Vdv Frplqdo zlug gxufk hlqh wlhih Tduulhuh ehl 26% dejhvlfkhuw. Vhuhq Kfkxwc eohlew elv cxp Kfkoxvv hukdowhq. Vlh 96-Huäplh zlug qxu jhcdkow, zhqq glh Snwlh dp Kwlfkwdj üehu 36% vwhkw vrqvw lvw vlh yhuoruhq. Vhu RlqvWasuhvv oäxiw qxu guhl Bdkuh xqg gdplw ghxwolfk nüuchu dov glh dqghuhq ehlghq Wasuhvvh. Vlh Huäplhq zhughq vlfkhu jhcdkow xqg dp Wqgh vlfkhuw hlqh Tduulhuh ehl 25% gdv Frplqdo jhjhq Nhuoxvwh de.