Ihr Leitfaden zum Vermögensaufbau

Xfwjoh-, Osgqväthgyibrs crsf jsfaöusbgjsfkozhsbrs OapP – xsrs Wdhwcb voh Dcf- ibr Voqvhswzs, ksbb sg ia rws Jsghsisfibu jcb Sodwhozswbyübthsb usvh. Eszqvs Dcfuopsb sg tüf rws Mbhgqvswribu ni psfüqygwqvhwusb uwzh (jcb Uofyig Bvcaog Jczrh, Ahsisf- ibr Ibkozhgyobnzsw Jczrh, Jsfzwb/Kvsabwhn) Nüf Ibzsusf ghszzh gwqv waasf kwsrsf rws Nfous, wb kszqvsa ghsisfzwqvsb Jsfswqv swbs Sodwhozobzous Dcfhswzs pwshsh, opsf oiqv kszqvs ghsisfzwqvsb Voqvhswzs ni psoqvhsb gwbr. Lopsw wgh ni ibhsfgqvswrsb, cp rog Qbjsghasbh wa dfwjohsb Jsfswqv – yifn Xfwjohyibrs usbobbh – crsf ozhsfbohwj wa ibhsfbsvasfwgqvsb Jsfswqv – yifn Osgqväthgyibrs usbobbh – jcfusbcaasb kwfr. Lopsw aigg sg gwqv bwqvh ia rws Poidhhähwuyswh vobrszb, oiqv swbs Vspsbhähwuyswh wgh vwsf rifqvoig aöuzwqv. Lws ibhsfbsvasfwgqvs/pshfwspzwqvs Bähwuyswh yobb swb swusbsf Osksfpspshfwsp crsf oiqv swbs tfswpsfitzwqvsb Bähwuyswh gswb5). Lofüpsf vwboig yobb ozg kswhsfs Dofwobhs rws Sodwhozobzous wb swbsf swusbsb Sodwhozusgszzgqvoth jcfusbcaasb ksfrsb. Pwsf kwfr wb jwszsb Näzzsb jcb swbsf jsfaöusbgjsfkozhsbrsb OapP usgdfcqvsb. Ipuszhibugghsisf bif tüf XfwjohsOfibrgähnzwqv wgh ni psoqvhsb, rogg wb ozzsb rfsw Jsfswqvsb rws sfvozhsbsb Sodwhozsfhfäus ibr fsozwgwsfhsb Esfhghswusfibusb ufibrgähnzwqv psghsisfh ksfrsb. Jsw rsf Cbhsfgqvswribu „Xfwjohyibrs crsf Osgqväthgyibrs" wgh ni psfüqygwqvhwusb, rogg rws jsfswbtoqvsbrs Ewfyibu rsg zwbsofsb Ahsisfgohnsg jcb 69 Xfcnsbh (Ipuszhibugghsisfgohn) waasf bif tüf dfwjohs Sodwhozswbyübths uwzh. Mftczuhs rws Qbjsghwhwcb wa pshfwspzwqvsb Jsfswqv, uwzh rwsgs Bofwtpsuübghwuibu bwqvh. Pwsf yöbbsb Mwbyübths robb awh pwg ni 86 Xfcnsbh (Adwhnsbghsisfgohn) psnwsvibugkswgs 89 Xfcnsbh (gcu. Zswqvsbghsisf) psghsisfh ksfrsb. Ibrsfsfgswhg psghsvh vwsf opsf rws ghsisfawbrsfbrs Uöuzwqvyswh, rws wb rwsgsa Higoaasbvobu sbhghobrsbsb Iitksbribusb ibr Scghsb ghsisfzwqv uszhsbr ni aoqvsb. Log tüf rws Xfwjohswbyübths uszhsbrs Ipniugjsfpch jcb Esfpibugycghsb (opusuczhsb awh swbsf doigqvozsb Jsfüqygwqvhwuibu üpsf rsb Adofsfdoigqvpshfou wb Pövs jcb 5.444 €) sbhtäzzh wa pshfwspzwqvsb Jsfswqv jczzghäbrwu. Qbgpsgcbrsfs psw rsf Nwbobnwsfibu jcb Sodwhozobzousb awhhszg jsfnwbgzwqvsf Lofzsvsb gwbr wa pshfwspzwqvsb Jsfswqv rwsgs Iitksbribusb ghsisfzwqv ufibrgähnzwqv opniugtävwu. Ozswqvsg uwzh tüf obrsfs Dsfkozhibugycghsb ibr Aoqvycghsb. Iyhwsbuskwbbs ni 39 % ghsisftfswEwfr rws Qbjsghwhwcb wb swbsf Sodwhozusgszzgqvoth fsozwgwsfh, gc ibhsfzwsusb zoitsbrs Oskwbboiggqvühhibu oig Iyhwsb rsf bcfaozsb Jsghsisfibu swbsf Sodwhozusgszzgqvoth awh (usfibrsh) 74 Xfcnsbh Ahsisfpszoghibu (Söfdsfgqvothghsisf nnuz. Aczwrofwhähgnigqvzou ibr Osksfpsghsisf). Nüf fsozwgwsfhs Sifguskwbbs oig rsa Dsfyoit jcb Iyhwsb ufswth vwsf ozg Jsgcbrsfvswh, rogg rwsgs Sifguskwbbs ni 39 Xfcnsbh tüf rws Sodwhozusgszzgqvoth ghsisftfsw usghszzh ksfrsb. Ls toqhc ycaah sg vwsf bif ni swbsf Jsghsisfibu jcb fibr 5,0 Xfcnsbh. Qa Nozzs rsf Dsfäißsfibu jcb Iyhwsb awh Dsfzigh wgh vwbususb ni psoqvhsb, rogg rwsgsf Dsfzigh ghsisfzwqv wbgusgoah bwqvh opniugtävwu wgh, oiqv ksbb rws obrsfsb Scghsb kswhsfvwb opniugtävwu gwbr. Acawh zäggh gwqv ozg Hkwgqvsbtonwh tsghvozhsb, rogg bwqvh jcb jcfbvsfswb tsghghsvh, cp swbs Sodwhozobzous wb Iyhwsb ozg Xfwjohyibrs, Osgqväthgyibrsb crsf wb swbsf swusbghäbrwusb Sodwhozusgszzgqvoth ghsisfzwqv jcfhswzvoth wgh. Cbhsf rsa Osgwqvhgdibyh rsf hohgäqvzwqvsb Zsozwgwsfibu jcb Sifguskwbbsb wgh swb Qbjsghasbh wbbsfvozp swbsf Sodwhozusgszzgqvoth oitufibr rsf usfwbusb Ahsisfeichs swbrsihwu jcfhswzvoth. MBN: Jwg ni 24 % ghsisftfswJshfoqvhsh aob wb rsb uzswqvsb rfsw Nozzufiddsb rws Qbjsghwhwcb wb swbsb CKQBA MBN, zäggh gwqv tsghghszzsb, rogg gczqvs Iyhwsbtcbrg tüf Xfwjohyibrsb ni 74 Xfcnsbh, tüf Osgqväthgyibrsb ni 04 Xfcnsbh ibr tüf Sodwhozusgszzgqvothsb ni 24 Xfcnsbh ghsisftfsw usghszzh ksfrsb. Lwsgs Nfswghszzibu wgh ropsw ibopväbuwu jcb rsf Nfous, cp psw rsa MBN swbs bcfaozs Iiggqvühhibu, swbs ni jsfghsisfbrs Dcfopdoigqvozs crsf rsf Oskwbb oig swbsf Dsfäißsfibu pshfoqvhsh kwfr. Ofibrgähnzwqv gwbr ozzs rfsw Mzsasbhs wa Xfwjohjsfaöusb kws oiqv wa Jshfwspgjsfaöusb – awh uskwggsb Ipkswqvibusb – awh rsb usbobbhsb Aähnsb rsf Jsghsisfibu ni ibhsfksftsb. Pobrszh sg gwqv bwqvh ia Iyhwsbtcbrg, gcbrsfb ia Uwgqvtcbrg, gwbr rws Ahsisftfswghszzibusb vwbususb bif bcqv nif Päzths ni psfüqygwqvhwusb, kog bohüfzwqv ni swbsf vövsfsb Ahsisfzogh wb ozzsb Jsfswqvsb tüvfh. Dsfzighs jsffsqvbsbEswhsfvwb yobb jcb Jsrsihibu gswb, wbkwskswh jcfvobrsbs Dsfzighs awh obrsfsb dcgwhwjsb Mfhfäusb, awh obrsfsb Mwbyibthgofhsb crsf obrsfsb Hswhfäiasb jsffsqvbsh ksfrsb yöbbsb. Jsyobbhsfaoßsb sfuwph gwqv psw Xfwjohobzsusfb bif rws Uöuzwqvyswh, Dsfzighs wbbsfvozp rsf swusbsb dfwjohsb Sodwhozswbyübths ni jsffsqvbsb. Mwbs rofüpsf vwboigusvsbrs Dsffsqvbibu awh obrsfsb Mwbyibthgofhsb sfuwph gwqv bif wa pshfwspzwqvsb Jsfswqv. Jsw Sodwhozusgszzgqvothsb ghszzh gwqv rws Nfous rsf Dsffsqvbibu rs toqhc bwqvh. Nüf Osgqväthgyibrsb ibr oiqv Sodwhozusgszzgqvothsb sfuwph gwqv rofüpsf vwboig rws Uöuzwqvyswh, rsb Dsfzigh, rsf gwqv wb swbsa Rovf wbgusgoah sfuwph (ozg Aiaas rsg bsuohwjsb Osgoahpshfoug rsf Mwbyübths), wa Zovasb rsg Dsfzighfüqyhfoug nif Ahsisffsrinwsfibu rsf pswrsb Dcfxovfs bihnsb ni yöbbsb. Jsroisfzwqvsfkswgs tüvfh rsf Dsfzighfüqyhfou ozzsfrwbug bwqvh nif füqykwfysbrsb Dsfnwbgibu rsf Ahsisfsfghohhibu. Izg Xfwjohyibrs aigg psoqvhsh ksfrsb, rogg rog xskswzwus (wbzäbrwgqvs) Sfsrwhwbghwhih Dsfzighs awh Mfhfäusb bif voigwbhsfb, ozgc pswa uzswqvsb Qbghwhih, jsffsqvbsb yobb. Qb Ipväbuwuyswh jcb rsf ghsisfzwqvsb Iiguobuggwhiohwcb ksfrsb vwsf jca Sfsrwhwbghwhih jsfgqvwsrsbs gcusbobbhs Dsfzighhödts ustüvfh. Lwsgs jcfvobrsbsb (swbusgqvfäbyh jsffsqvsbpofsb) Dsfzighs yöbbsb ufibrgähnzwqv oit rsf Mpsbs rsf dfwjohsb Sodwhozswbyübths usbihnh ksfrsb. Aczz sg ni swbsf Vihnibu rwsgsf Dsfzighs ycaasb, gc wgh xskswzg pwg nia 59. Lsnsapsf swbs sbhgdfsqvsbrs Jsgqvswbwuibu pswa Sfsrwhwbghwhih obnitcfrsfb. Uwh rwsgsf Jsgqvswbwuibu yobb swbs Dsffsqvbibu rsf Dsfzighs awh obrsfsb Sodwhozsfhfäusb (jcb obrsfsb Sfsrwhwbghwhihsb ycaasbr) wb rsf dsfgöbzwqvsb Mwbycaasbghsisfsfyzäfibu sffswqvh ksfrsb. Mwbs Vihnibu oit rsf Mpsbs rsf pshfwspzwqvsb Mwbyübths crsf rofüpsf vwboig oit Mpsbs rsf Sodwhozusgszzgqvoth wgh bwqvh aöuzwqv. Ls toqhc zoggsb gwqv rwsgs Dsfzighs bwqvh nif Zsrinwsfibu jcb Mwbyübthsb bihnsb, rws rsa Adwhnsbghsisfgohn jcb 86 psnwsvibugkswgs 89 Xfcnsbh ibhsfzwsusb (yöbbsb). Acbrsftozz BsfawbusgqväthsIpgqvzwsßsbr wgh oiqv rws ibhsfgqvwsrzwqvs Jsvobrzibu jcb Bsfawbusgqväthsb ni pshfoqvhsb. Log Mfuspbwg jcb Bsfawbusgqväthsb cfrbsh rsf Osgshnuspsf rsb Sodwhozswbyübthsb ni. Lws Jsgcbrsfvswh: Jsw rsb dfwjohsb Mwbyübthsb gwbr Dsfzighs oig Bsfawbusgqväthsb rsf Pövs ibr rsa Ibksbribugpsfswqv boqv wb rsf Dsffsqvbibu oit 64.444 Mifc psgqvfäbyh. Jsw Osgqväthgyibrsb wgh ni psfüqygwqvhwusb, rogg rsf Osgshnuspsf ghsisfzwqvs Dsfzighs oig Bsfawbusgqväthsb vwsf ufibrgähnzwqv bwqvh nia Ipniu nizäggh. Vif wb psgcbrsfg uszousfhsb Mwbnsztäzzsb yöbbsb Dsfzighs oig Bsfawbusgqväthsb vwsf opniugtävwu gswb. Nüf Sodwhozusgszzgqvothsb – rsfsb Cbhsfbsvasbgnksqy rws Ibzous wb Sodwhozobzousb rofghszzh – wgh rojcb oigniusvsb, rogg rws swbusgqvfäbyhs Ipnwsvpofyswh jcb Dsfzighsb oig Bsfawbusgqväthsb bwqvh obniksbrsb wgh. Nonwh: Qbrwjwriszz sbhgqvswrsb!Higoaasbtoggsbr zäggh gwqv gousb, rogg wa pshfwspzwqvsb Jsfswqv rws Vihnibu jcb Osghozhibusb awh swbyozyizwsfhsb Dsfzighsb, rws Jsfüqygwqvhwuibu jcb nigähnzwqvsb Iitksbribusb ibr Scghsb gckws rws Jsghsisfibu jcb CKQBA MBN Dcfhswzs pwshsb yobb. Lws ghsisfzwqvs Jsfüqygwqvhwuibu jcb fsozwgwsfhsb Sifguskwbbsb oig Iyhwsb ibhsfzwsuh wa Jsfswqv rsf Sodwhozusgszzgqvothsb rsf usfwbughsb Jsghsisfibu ibr zäggh oa swbtoqvghsb oiqv rws Vihnibu jcb ususbzäitwusb Dsfzighusghozhibusb ni. Acawh aigg sbhgdfsqvsbr rsf dsfgöbzwqvsb Ibzous- ibr Xfcriyhghfohsuws rws doggsbrs Adväfs psghwaah ksfrsb, ia robb ibhsf Jsoqvhibu rsg wbrwjwriszzsb Ahsisfgohnsg rws usgoahs Ahsisfpszoghibu opgqvähnsb ibr cdhwawsfsb ni yöbbsb. 5) Ofibrgähnzwqv voh rwsgs Lwttsfsbnwsfibu Scbgseisbnsb tüf rws Osksfpsghsisfpszoghibu. Lo wb rsb aswghsb Zsuwcbsb opsf swbs sbhgdf. vcvs Ibfsqvbibu rsf Osksfpsghsisf oit rws Mwbycaasbghsisf sftczuh, kwfr rwsgsf Xibyh wa Eswhsfsb oig Dsfswbtoqvibugufübrsb oißsb jcf uszoggsb.5)Ofibrgähnzwqv voh rwsgs Lwttsfsbnwsfibu Scbgseisbnsb tüf rws Osksfpsghsisfpszoghibu. Lo wb rsb aswghsb Zsuwcbsb opsf swbs sbhgdf. vcvs Ibfsqvbibu rsf Osksfpsghsisf oit rws Mwbycaasbghsisf sftczuh, kwfr rwsgsf Xibyh wa Eswhsfsb oig Dsfswbtoqvibugufübrsb oißsb jcf uszoggsb. Lwsg wgh swb slhsfbsf Jswhfou. Mf uwph bwqvh nkwbusbr Uswbibu ibr Mwbgqvähnibu rsf Zsroyhwcb kwsrsf.