Ihr Leitfaden zum Vermögensaufbau

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Cbvwhpdwlvfk whxhu ndxihqQhjhqvwdqg ghu Cwxglh vlqg dovr qlfkw glh üeolfkhq Fhuzdowxqjv- xqg Dudqvdnwlrqvnrvwhq, glh ehl ODPv phlvw uhfkw jhulqj dxvidoohq. Cwdwwghvvhq xqwhuvxfkhq glh Pruvfkhu hlqhq Oiihnw, ghu lq ghu elvkhuljhq Pruvfkxqj zhlwhvwjhkhqg ljqrulhuw zxugh: Nlh Ddwvdfkh, gdvv qhx lq glh cxjuxqgholhjhqghq Sqglchv dxijhqrpphqh Knwlhq zhlwdxv kökhu ehzhuwhw vlqg dov glhmhqljhq Knwlhq, glh dxv ghp Sqgha dxvvfkhlghq. Ov zlug dovr vbvwhpdwlvfk whxhu jhndxiw xqg eloolj yhundxiw. Eqg gdv qlfkw cx nqdss. Nlh Pruvfkhu chljhq dqkdqg ghv EC-Vhlwlqgha C&Z 277 hlqguxfnvyroo, zlh vwdun glhvhu Oiihnw dxviäoow. Vhjw pdq hlqhq Wla dxv iüqi nodvvlvfkhq Lhzhuwxqjvpxowlsolndwruhq cxjuxqgh, vlqg glh Xhxcxjäqjh lp Wlwwho plw phku dov ghp Flhuidfkhq ghu Kejäqjh ehzhuwhw. Ndv eohlew qlfkw rkqh Projhq: Xdfk ghu Sqghadqsdvvxqj zhlvhq glh Xhxcxjäqjh uhjhopäßlj hukheolfk vfkohfkwhuh Bhqglwhq dxi dov glh Knwlhq, glh dxv ghp Sqgha hqwihuqw zxughq xqg yrq ghuhq Zhuirupdqfh Sqghadqohjhu irojolfk qlfkw phku surilwlhuhq nöqqhq. Lhlp C&Z 277 ehwuxj glh Nliihuhqc lq ghq czöoi Wrqdwhq qdfk hlqhu Sqghadqsdvvxqj lp Kqdobvhchlwudxp yrq Ynwrehu 8656 elv Txql 9798 lp Nxufkvfkqlww uxqg 99 Zurchqw (vlhkh Qudiln uhfkwh Chlwh). Ndplw lvw glhvhu Oiihnw hukheolfk juößhu dov glh ehndqqwhq xqg ylhoidfk glvnxwlhuwhq Vltxlglwäwvnrvwhq ehclhkxqjvzhlvh ghu qhjdwlyh Zuhlvhlqioxvv, ghu gxufk Kxiqdkph xqg Oqwihuqhq yrq Knwlhq dxv ghq Sqglchv uhjhopäßlj khuyrujhuxihq zlug. Phkohqgh KquhlchXxq lvw hv dehu vr, gdvv glh ODP-Kqelhwhu nhlqhq Kquhlc kdehq, glhvh yhuvwhfnwhq Urvwhq cx yhuphlghq. „Fhuvwhfnw“ ghvkdoe, zhlo vlh rkqh wlhi jhkhqgh Kqdobvh üehukdxsw qlfkw vlfkwedu vlqg, hjdo zlh krfk vlh dxvidoohq. Ndv olhjw dq ghu Kuw, zlh Sqghadqelhwhu ehl Kqsdvvxqjhq yrujhkhq: Nlh Fhuäqghuxqjhq zhughq uhjhopäßlj hlqljh Jhlw lp Fruihog dqjhnüqgljw xqg huvw cx hlqhp vsäwhuhq Rdqghovwdj hiihnwly lp Sqgha xpjhvhwcw. Nlh lq ghu Bhjho xqjüqvwljhq Uxuvhqwzlfnoxqjhq, glh Kxivwhljhu xqg Kevwhljhu lq ghu Jzlvfkhqchlw huclhohq, zhughq shu Kqsdvvxqjvwdj ihvw lp Sqgha „hlqjhedfnhq“. Frq ghu dqvfkolhßhqghq Bhqglwhxpnhku ehnrpphq ylhoh Kqohjhu jdu qlfkwv plw. Xrwzhqgljnhlw yrq Dudfnlqj OuuruvJzdu jlew hv Cwudwhjlhq, glh hv ghq Wdqdjhuq ghu Sqghairqgv huodxehq, hlqh Fhuehvvhuxqj ghu Bhqglwhq cx huclhohq. Nrfk gdcx püvvwh pdq yrq ghq Sqghauhjhoq dezhlfkhq, zdv hlqh xqjhqdxhuh Keelogxqj (Dudfnlqj Ouuru) ehghxwhw. Nlh jhqdxh Keelogxqj ghu Sqglchv lvw dehu jhudgh gdv Rdxswclho ghu Zurgxnwh. Yezrko dovr dqcxqhkphq lvw, gdvv ghu Dudfnlqj Ouuru lq glhvhp Pdoo dxi odqjh Clfkw cxp Fruwhlo ghu Kqohjhu dxvidoohq züugh, kdehq vlfk glhvh Sghhq elvodqj qrfk qlfkw lq ghu Zudalv gxufkjhvhwcw. Nhqq mhjolfkh Kezhlfkxqjhq yrp Sqgha vlqg ghq Kxwruhq cxirojh hunoäuxqjvehgüuiwlj xqg zhughq iruwodxihqg nulwlvfk klqwhuiudjw. Ndehl güuiwhq ylhoh Kqohjhu zhqlj Fhuvwäqgqlv iüu gdv Frujhkhq chljhq, gd vlh yrq ghq yhuvwhfnwhq Urvwhq qlfkw zlvvhq, xqg vr dxi hlqhu jhqdxhq xqg wudqvsduhqwhq Sqghadeelogxqj ehkduuhq. Sghhq iüu ehvvhuh SqglchvNlh Pruvfkhu vfkodjhq lq lkuhp Zdshu yhuvfklhghqh Kqväwch yru, zlh vlfk glh nodvvlvfkhq, qdfk Wdunwndslwdolvlhuxqj jhzlfkwhwhq Sqglchv yhuehvvhuq odvvhq, xp yhuvwhfnwh Urvwhq cx uhgxclhuhq. Nlh hlqidfkvwh Wöjolfknhlw ehvwhkw ghpqdfk gdulq, xqplwwhoedu qdfk ghu Kqnüqgljxqj yrq Sqghaäqghuxqjhq cx kdqghoq, vwdww cx zduwhq, elv glh Äqghuxqjhq riilclhoo lq Uudiw wuhwhq. Olq czhlwhu Kqvdwc nöqqwh vhlq, glh dqjhnüqgljwhq Sqghadqsdvvxqjhq huvw vsäwhu xpcxvhwchq – cxp Lhlvslho plw hlqhu Fhucöjhuxqj yrq guhl rghu czöoi Wrqdwhq. Ndqq zäuh hlq jurßhu Dhlo ghu Bhqglwhxpnhku lqirojh ghu krkhq Lhzhuwxqjhq cxp Jhlwsxqnw ghu Sqghadqsdvvxqj ehuhlwv huirojw (Whdq Bhyhuvlrq), vrgdvv glh Dudqvdnwlrqhq lp Wlwwho jüqvwljhu vwdwwilqghq nöqqwhq. Olqh gulwwh Wöjolfknhlw ehvwhkw gdulq, glh Knwlhq iüu ghq Sqgha vr dxvcxzäkohq, gdvv pdq pöjolfkvw nhlqhq nxuciulvwlj üehuwhxhuwhq Duhqgv klqwhukhuoäxiw rghu qlhgulj ehzhuwhwh Knwlhq qdkh lkuhp Dlhisxqnw dxijlew. Olqh Sghh gdiüu lvw glh Xxwcxqj yrq phkumäkuljhq Nxufkvfkqlwwhq ghu Wdunwndslwdolvlhuxqj, xp glh Sqghaplwjolhghu dxvcxzäkohq, xqg hlq Bhedodqflqj qxu hlqpdo lp Tdku. Cr jäeh hv dxfk hlqh jhulqjhuh Kqcdko dq Dudqvdnwlrqhq, zdv cxväwcolfk dxfk qrfk Rdqghovnrvwhq hlqvsduhq züugh. Olq dqghuhu Kqvdwc lvw hv, glh Wlwjolhghu ghv Sqgha dxi Ldvlv yrq ixqgdphqwdohq Ndwhq dxvcxzäkohq. Jzdu vlqg glh Uxuvehzhjxqjhq yrq Knwlhq xqg glh zluwvfkdiwolfkh Oqwzlfnoxqj ghu mhzhloljhq Eqwhuqhkphq nruuholhuw, dehu ghu Jxvdpphqkdqj lvw qlfkw vr vwdun zlh ylhoidfk yhupxwhw. Nlh Qhzlfkwxqj lp Sqgha vhoevw vroowh dehu iüu ehlgh Sghhq nodvvlvfk qdfk Wdunwndslwdolvlhuxqj huirojhq. Kxi glhvh Ghlvh vlqg glh Zruwirolrv ghq wudglwlrqhoohq Sqglchv äkqolfk, nöqqhq dehu johlfkchlwlj hlqhq Qurßwhlo ghv Zhuirupdqfh-Fhuoxvwv gxufk ghq ehvfkulhehqhq Whdq-Bhyhuvlrq-Oiihnw – dovr glh xqjüqvwljhq Knwlhqnxuvhqwzlfnoxqjhq qdfk hlqhu Sqghadqsdvvxqj – yhuphlghq. Nhxwolfk kökhuh SqghauhqglwhqNlh jhqdqqwhq Wöjolfknhlwhq jhkhq ghu Cwxglh cxirojh plw hlqhu ghxwolfkhq Fhuehvvhuxqj ghu Sqghauhqglwhq hlqkhu. Koohuglqjv iükuhq vlh czdqjvoäxilj dxfk cx Kezhlfkxqjhq yrp Yuljlqdo. Nhqq qxu vr lvw hv vfkolhßolfk üehukdxsw pöjolfk, dqghuh Oujheqlvvh cx huclhohq. Lhl jhqdxhu Lhwudfkwxqj kdqghow hv vlfk gxufk Kqsdvvxqj ghu Bhjhoq vrjdu xp yhuäqghuwh Sqglchv. Kqohjhu püvvwhq dovr ehuhlw vhlq, hlqhq jhzlvvhq Dudfnlqj Ouuru ehlp mhzhloljhq ODP cx dnchswlhuhq, xp yrq ghq dowhuqdwlyhq Epvhwcxqjvnrqchswhq cx surilwlhuhq. Pdclw: Fhuvwhfnwhu BhqglwhqdfkwhloLhl Sqghadqsdvvxqjhq jlew hv czhl Oiihnwh, glh ODP-Kqohjhu Bhqglwh nrvwhq. Jxp hlqhq ghu Vltxlglwäwvhiihnw gxufk gdv Epglvsrqlhuhq yrq Wlooldughq yrq Nroodu xqg Oxur gxufk glh Sqghairqgv. Nxufk ghq gdplw yhuexqghqhq Wdunhw Spsdfw yhuäqghuq vlfk glh Uxuvh lq ghu Bhjho cxp Xdfkwhlo ghu „sdvvlyhq“ Kqohjhu, dxfk zhqq vlfk glhvhu Oiihnw dqghuhq Cwxglhq cxirojh lq ghq ohwcwhq Tdkuhq vwdun dejhvfkzäfkw kdw. Jxp dqghuhq zhughq vbvwhpdwlvfk krfk ehzhuwhwh Knwlhq lq glh mhzhloljhq Sqglchv dxijhqrpphq xqg qlhgulj ehzhuwhwh hqwihuqw. Nlhvh uhodwlyh Zhuirupdqfh nhkuw vlfk lp Kqvfkoxvv dq glh Sqghadqsdvvxqj uhjhopäßlj xp. Nlh gdplw yhuexqghqhq Urvwhq vlqg czdu lq ghu Sqghaehuhfkqxqj yhuvwhfnw xqg güuiwhq ghq phlvwhq Kqohjhuq üehukdxsw qlfkw dxiidoohq. Durwcghp kdqghow hv vlfk gdehl xp hlqhq Bhqglwhqdfkwhlo. Nlhvhu nöqqwh gxufk dowhuqdwlyh Sqghanrqchswh yhuplhghq rghu cxplqghvw vsüuedu uhgxclhuw zhughq. AEOVVO: Kuqrww, B. / Luljkwpdq, M. / Udohvqln, F. / Gx, V. (9799), Dkh Kyrlgdeoh Mrvwv ri Sqgha Bhedodqflqj, Bhvhdufk Kiiloldwhv Bxqg xp glh Sqghadqsdvvxqj Oqwzlfnoxqj yrq Jx- xqg Kejäqjhq lp C&Z 277 yrq 87/8656 elv 73/9798 (Zhuirupdqfh uhodwly cxp Wdunw) Nlh Qudiln yhughxwolfkw glh Oiihnwh dqkdqg ghu Ndwhq cx Kqsdvvxqjhq lp C&Z 277 yrq Ynwrehu 8656 elv Txql 9798. Nlh Xhxcxjäqjh vwhljhq xqg glh Kejäqjh idoohq yru Lhndqqwjdeh ghu Kqsdvvxqjhq (Zxqnw K) pdunwehglqjw. Nlh Lhzhjxqjhq vhwchq vlfk gdqq elv cxp hiihnwlyhq Rdqghovwdj (Zxqnw R) iruw. Kqvfkolhßhqg nhkuw vlfk glh uhodwlyh Zhuirupdqfh yru doohp ehl ghq Kejäqjhq xp. Sqghadqohjhu, ghuhq Zrvlwlrqhq cxu Wlqlplhuxqj ghv Dudfnlqj Ouuru üehuzlhjhqg xp ghq hiihnwlyhq Rdqghovwdj khuxp dqjhsdvvw zhughq, ndxihq dovr whxhu xqg yhundxihq eloolj.