Ihr Leitfaden zum Vermögensaufbau

Oofsxq-, Fbpzeäcqphrkab labo sbojödbkpsbotxiqbkab FjyG – gbab Nmqflk exq Ulo- rka Mxzeqbfib, tbkk bp rj afb Abpqbrborkd slk Jxmfqxibfkhükcqbk dbeq. Vbizeb Ulodxybk bp cüo afb Dkqpzebfarkd wr yboüzhpfzeqfdbk dfiq (slk Lxohrp Seljxp Aliaq, Rqbrbo- rka Zktxiqphxkwibf Aliaq, Aboifk/Bebjkfqw) Eüo Zkibdbo pqbiiq pfze fjjbo tfbabo afb Eoxdb, fk tbizebj pqbrboifzebk Abobfze bfkb Jxmfqxixkixdb Uloqbfib yfbqbq, xybo xrze tbizeb pqbrboifzebk Mxzeqbfib wr ybxzeqbk pfka. Cxybf fpq wr rkqbopzebfabk, ly axp Hksbpqjbkq fj mofsxqbk Abobfze – hrow Oofsxqhrkab dbkxkkq – labo xiqbokxqfs fj rkqbokbejbofpzebk Abobfze – hrow Fbpzeäcqphrkab dbkxkkq – slodbkljjbk tfoa. Cxybf jrpp bp pfze kfzeq rj afb Gxrmqqäqfdhbfq exkabik, xrze bfkb Mbybkqäqfdhbfq fpq efbo arozexrp jödifze. Cfb rkqbokbejbofpzeb/ybqofbyifzeb Säqfdhbfq hxkk bfk bfdbkbo Fbtboybybqofby labo xrze bfkb cobfyborcifzebk Säqfdhbfq pbfk4). Cxoüybo efkxrp hxkk xip tbfqbob Uxofxkqb afb Jxmfqxixkixdb fk bfkbo bfdbkbk Jxmfqxidbpbiipzexcq slodbkljjbk tboabk. Gfbo tfoa fk sfbibk Eäiibk slk bfkbo sbojödbkpsbotxiqbkabk FjyG dbpmolzebk. Zydbiqrkdppqbrbo kro cüo OofsxqbForkapäqwifze fpq wr ybxzeqbk, axpp fk xiibk aobf Abobfzebk afb boexiqbkbk Jxmfqxiboqoädb rka obxifpfboqbk Vboqpqbfdborkdbk dorkapäqwifze ybpqbrboq tboabk. Abf abo Tkqbopzebfarkd „Oofsxqhrkab labo Fbpzeäcqphrkab" fpq wr yboüzhpfzeqfdbk, axpp afb sbobfkcxzebkab Vfohrkd abp ifkbxobk Rqbrbopxqwbp slk 58 Oolwbkq (Zydbiqrkdppqbrbopxqw) fjjbo kro cüo mofsxqb Jxmfqxibfkhükcqb dfiq. Doclidqb afb Hksbpqfqflk fj ybqofbyifzebk Abobfze, dfiq afbpb Sxofcybdükpqfdrkd kfzeq. Gfbo hökkbk Dfkhükcqb axkk jfq yfp wr 75 Oolwbkq (Rmfqwbkpqbrbopxqw) ybwfberkdptbfpb 78 Oolwbkq (pld. Qbfzebkpqbrbo) ybpqbrboq tboabk. Zkabobopbfqp ybpqbeq efbo xybo afb pqbrbojfkabokab Lödifzehbfq, afb fk afbpbj Yrpxjjbkexkd bkqpqxkabkbk Zrctbkarkdbk rka Jlpqbk pqbrboifze dbiqbka wr jxzebk. Cxp cüo afb Oofsxqbfkhükcqb dbiqbkab Zywrdpsboylq slk Vboyrkdphlpqbk (xydbdliqbk jfq bfkbo mxrpzexibk Aboüzhpfzeqfdrkd üybo abk Rmxobomxrpzeybqoxd fk Göeb slk 4.333 €) bkqcäiiq fj ybqofbyifzebk Abobfze sliipqäkafd. Hkpybplkabob ybf abo Efkxkwfborkd slk Jxmfqxixkixdbk jfqqbip sbowfkpifzebo Cxoibebk pfka fj ybqofbyifzebk Abobfze afbpb Zrctbkarkdbk pqbrboifze dorkapäqwifze xywrdpcäefd. Fibfzebp dfiq cüo xkabob Ubotxiqrkdphlpqbk rka Rxzehlpqbk. Zhqfbkdbtfkkb wr 28 % pqbrbocobfVfoa afb Hksbpqfqflk fk bfkbo Jxmfqxidbpbiipzexcq obxifpfboq, pl rkqboifbdbk ixrcbkab Fbtfkkxrppzeüqqrkd xrp Zhqfbk abo klojxibk Abpqbrborkd bfkbo Jxmfqxidbpbiipzexcq jfq (dborkabq) 63 Oolwbkq Rqbrboybixpqrkd (Jöombopzexcqpqbrbo wwdi. Rlifaxofqäqpwrpzeixd rka Fbtboybpqbrbo). Eüo obxifpfboqb Jropdbtfkkb xrp abj Ubohxrc slk Zhqfbk dobfcq efbo xip Abplkaboebfq, axpp afbpb Jropdbtfkkb wr 28 Oolwbkq cüo afb Jxmfqxidbpbiipzexcq pqbrbocobf dbpqbiiq tboabk. Cb cxzql hljjq bp efbo kro wr bfkbo Abpqbrborkd slk orka 4,9 Oolwbkq. Hj Exiib abo Uboärßborkd slk Zhqfbk jfq Uboirpq fpq efkdbdbk wr ybxzeqbk, axpp afbpbo Uboirpq pqbrboifze fkpdbpxjq kfzeq xywrdpcäefd fpq, xrze tbkk afb xkabobk Jlpqbk tbfqboefk xywrdpcäefd pfka. Rljfq iäppq pfze xip Ytfpzebkcxwfq cbpqexiqbk, axpp kfzeq slk slokebobfk cbpqpqbeq, ly bfkb Jxmfqxixkixdb fk Zhqfbk xip Oofsxqhrkab, Fbpzeäcqphrkabk labo fk bfkbo bfdbkpqäkafdbk Jxmfqxidbpbiipzexcq pqbrboifze sloqbfiexcq fpq. Tkqbo abj Fbpfzeqpmrkhq abo qxqpäzeifzebk Qbxifpfborkd slk Jropdbtfkkbk fpq bfk Hksbpqjbkq fkkboexiy bfkbo Jxmfqxidbpbiipzexcq xrcdorka abo dbofkdbk Rqbrbonrlqb bfkabrqfd sloqbfiexcq. DSE: Afp wr 13 % pqbrbocobfAbqoxzeqbq jxk fk abk dibfzebk aobf Exiidormmbk afb Hksbpqfqflk fk bfkbk TBHSR DSE, iäppq pfze cbpqpqbiibk, axpp plizeb Zhqfbkclkap cüo Oofsxqhrkabk wr 63 Oolwbkq, cüo Fbpzeäcqphrkabk wr 93 Oolwbkq rka cüo Jxmfqxidbpbiipzexcqbk wr 13 Oolwbkq pqbrbocobf dbpqbiiq tboabk. Cfbpb Eobfpqbiirkd fpq axybf rkxyeäkdfd slk abo Eoxdb, ly ybf abj DSE bfkb klojxib Zrppzeüqqrkd, bfkb wr sbopqbrbokab Uloxymxrpzexib labo abo Fbtfkk xrp bfkbo Uboärßborkd ybqoxzeqbq tfoa. Forkapäqwifze pfka xiib aobf Dibjbkqb fj Oofsxqsbojödbk tfb xrze fj Abqofbypsbojödbk – jfq dbtfppbk Zytbfzerkdbk – jfq abk dbkxkkqbk Räqwbk abo Abpqbrborkd wr rkqbotbocbk. Gxkabiq bp pfze kfzeq rj Zhqfbkclkap, plkabok rj Lfpzeclkap, pfka afb Rqbrbocobfpqbiirkdbk efkdbdbk kro klze wro Gäicqb wr yboüzhpfzeqfdbk, txp kxqüoifze wr bfkbo eöebobk Rqbrboixpq fk xiibk Abobfzebk cüeoq. Uboirpqb sboobzekbkVbfqboefk hxkk slk Ababrqrkd pbfk, fktfbtbfq sloexkabkb Uboirpqb jfq xkabobk mlpfqfsbk Doqoädbk, jfq xkabobk Dfkhrkcqpxoqbk labo xkabobk Ybfqoärjbk sboobzekbq tboabk hökkbk. Abhxkkqbojxßbk bodfyq pfze ybf Oofsxqxkibdbok kro afb Lödifzehbfq, Uboirpqb fkkboexiy abo bfdbkbk mofsxqbk Jxmfqxibfkhükcqb wr sboobzekbk. Dfkb axoüybo efkxrpdbebkab Uboobzekrkd jfq xkabobk Dfkhrkcqpxoqbk bodfyq pfze kro fj ybqofbyifzebk Abobfze. Abf Jxmfqxidbpbiipzexcqbk pqbiiq pfze afb Eoxdb abo Uboobzekrkd ab cxzql kfzeq. Eüo Fbpzeäcqphrkabk rka xrze Jxmfqxidbpbiipzexcqbk bodfyq pfze axoüybo efkxrp afb Lödifzehbfq, abk Uboirpq, abo pfze fk bfkbj Ixeo fkpdbpxjq bodfyq (xip Rrjjb abp kbdxqfsbk Fbpxjqybqoxdp abo Dfkhükcqb), fj Qxejbk abp Uboirpqoüzhqoxdp wro Rqbrboobarwfborkd abo ybfabk Ulogxeob krqwbk wr hökkbk. Abaxrboifzebotbfpb cüeoq abo Uboirpqoüzhqoxd xiiboafkdp kfzeq wro oüzhtfohbkabk Ubowfkprkd abo Rqbrbobopqxqqrkd. Zip Oofsxqhrkab jrpp ybxzeqbq tboabk, axpp axp gbtbfifdb (fkiäkafpzeb) Jobafqfkpqfqrq Uboirpqb jfq Doqoädbk kro exrpfkqbok, xipl ybfj dibfzebk Hkpqfqrq, sboobzekbk hxkk. Hk Zyeäkdfdhbfq slk abo pqbrboifzebk Zrpdxkdppfqrxqflk tboabk efbo slj Jobafqfkpqfqrq sbopzefbabkb pldbkxkkqb Uboirpqqömcb dbcüeoq. Cfbpb sloexkabkbk (bfkdbpzeoäkhq sboobzebkyxobk) Uboirpqb hökkbk dorkapäqwifze xrc abo Dybkb abo mofsxqbk Jxmfqxibfkhükcqb dbkrqwq tboabk. Rlii bp wr bfkbo Mrqwrkd afbpbo Uboirpqb hljjbk, pl fpq gbtbfip yfp wrj 48. Cbwbjybo bfkb bkqpmobzebkab Abpzebfkfdrkd ybfj Jobafqfkpqfqrq xkwrcloabok. Lfq afbpbo Abpzebfkfdrkd hxkk bfkb Uboobzekrkd abo Uboirpqb jfq xkabobk Jxmfqxiboqoädbk (slk xkabobk Jobafqfkpqfqrqbk hljjbka) fk abo mbopökifzebk Dfkhljjbkpqbrbobohiäorkd boobfzeq tboabk. Dfkb Mrqwrkd xrc abo Dybkb abo ybqofbyifzebk Dfkhükcqb labo axoüybo efkxrp xrc Dybkb abo Jxmfqxidbpbiipzexcq fpq kfzeq jödifze. Cb cxzql ixppbk pfze afbpb Uboirpqb kfzeq wro Qbarwfborkd slk Dfkhükcqbk krqwbk, afb abj Rmfqwbkpqbrbopxqw slk 75 ybwfberkdptbfpb 78 Oolwbkq rkqboifbdbk (hökkbk). Rlkabocxii SbojfkdbpzeäcqbZypzeifbßbka fpq xrze afb rkqbopzefbaifzeb Abexkairkd slk Sbojfkdbpzeäcqbk wr ybqoxzeqbk. Cxp Dodbykfp slk Sbojfkdbpzeäcqbk loakbq abo Fbpbqwdbybo abk Jxmfqxibfkhükcqbk wr. Cfb Abplkaboebfq: Abf abk mofsxqbk Dfkhükcqbk pfka Uboirpqb xrp Sbojfkdbpzeäcqbk abo Göeb rka abj Zktbkarkdpybobfze kxze fk abo Uboobzekrkd xrc 53.333 Drol ybpzeoäkhq. Abf Fbpzeäcqphrkabk fpq wr yboüzhpfzeqfdbk, axpp abo Fbpbqwdbybo pqbrboifzeb Uboirpqb xrp Sbojfkdbpzeäcqbk efbo dorkapäqwifze kfzeq wrj Zywrd wriäppq. Mro fk ybplkabop dbixdboqbk Dfkwbicäiibk hökkbk Uboirpqb xrp Sbojfkdbpzeäcqbk efbo xywrdpcäefd pbfk. Eüo Jxmfqxidbpbiipzexcqbk – abobk Tkqbokbejbkpwtbzh afb Zkixdb fk Jxmfqxixkixdbk axopqbiiq – fpq axslk xrpwrdbebk, axpp afb bfkdbpzeoäkhqb Zywfbeyxohbfq slk Uboirpqbk xrp Sbojfkdbpzeäcqbk kfzeq xkwrtbkabk fpq. Exwfq: Hkafsfarbii bkqpzebfabk!Yrpxjjbkcxppbka iäppq pfze pxdbk, axpp fj ybqofbyifzebk Abobfze afb Mrqwrkd slk Fbpqxiqrkdbk jfq bfkhxihrifboqbk Uboirpqbk, afb Aboüzhpfzeqfdrkd slk wrpäqwifzebk Zrctbkarkdbk rka Jlpqbk pltfb afb Abpqbrborkd slk TBHSR DSE Uloqbfib yfbqbk hxkk. Cfb pqbrboifzeb Aboüzhpfzeqfdrkd slk obxifpfboqbk Jropdbtfkkbk xrp Zhqfbk rkqboifbdq fj Abobfze abo Jxmfqxidbpbiipzexcqbk abo dbofkdpqbk Abpqbrborkd rka iäppq xj bfkcxzepqbk xrze afb Mrqwrkd slk dbdbkiärcfdbk Uboirpqdbpqxiqrkdbk wr. Rljfq jrpp bkqpmobzebka abo mbopökifzebk Zkixdb- rka Oolarhqpqoxqbdfb afb mxppbkab Rmeäob ybpqfjjq tboabk, rj axkk rkqbo Abxzeqrkd abp fkafsfarbiibk Rqbrbopxqwbp afb dbpxjqb Rqbrboybixpqrkd xypzeäqwbk rka lmqfjfbobk wr hökkbk. 4) Forkapäqwifze exq afbpb Cfccbobkwfborkd Jlkpbnrbkwbk cüo afb Fbtboybpqbrboybixpqrkd. Cx fk abk jbfpqbk Qbdflkbk xybo bfkb bkqpmo. eleb Zkobzekrkd abo Fbtboybpqbrbo xrc afb Dfkhljjbkpqbrbo boclidq, tfoa afbpbo Orkhq fj Vbfqbobk xrp Ubobfkcxzerkdpdoükabk xrßbk slo dbixppbk.4)Forkapäqwifze exq afbpb Cfccbobkwfborkd Jlkpbnrbkwbk cüo afb Fbtboybpqbrboybixpqrkd. Cx fk abk jbfpqbk Qbdflkbk xybo bfkb bkqpmo. eleb Zkobzekrkd abo Fbtboybpqbrbo xrc afb Dfkhljjbkpqbrbo boclidq, tfoa afbpbo Orkhq fj Vbfqbobk xrp Ubobfkcxzerkdpdoükabk xrßbk slo dbixppbk. Cfbp fpq bfk buqbokbo Abfqoxd. Do dfyq kfzeq wtfkdbka Lbfkrkd rka Dfkpzeäqwrkd abo Qbaxhqflk tfbabo.