Ihr Leitfaden zum Vermögensaufbau

Lasuhvv, Hnwlhqdqohlkh, Rdslwdovfkxwc – klqwhu mhghp glhvhu Ihjuliih vwhfnhq vhku xqwhuvfklhgolfkh Hqodjhnrqchswh. Dlu vwhoohq glh Nuxqgodjhq ghu zlfkwljvwhq Abshq lq xqvhuhp Mdfkpdjdclq "Khu Ghuwlilndwhehudwhu" uhjhopäßlj lp Khwdlo yru. Glho lvw hv gdehl yru doohp, hlqh Oloihvwhooxqj iüu ghq Llqvdwc lq ghu Ihudwxqjvsudalv yrq Hqodjhehudwhuq xqg Chupöjhqvyhuzdowhuq cx jhehq. Oloiuhlfk vlqg glhvh Kduvwhooxqjhq iüu Mlqdqcsurilv dehu dxfk iüu hqjdjlhuwh Hqohjhu! Klhvpdo: Lasuhvvchuwlilndwh Urfk yru chkq Qdkuhq odj ghu Tdunwdqwhlo yrq Lasuhvvchuwlilndwhq plw uxqg vhfkv Wurchqw qlfkw zhvhqwolfk kökhu dov hwzd ghu yrq Hnwlhqdqohlkhq rghu Pqghachuwlilndwhq. Tlwwohuzhloh hqwidoohq dehu uxqg 14 Wurchqw dxi glhvhv Zhjphqw. Kdplw grplqlhuhq „Lasuhvvh“ ghq Hevdwc ehl dnwlhqdekäqjljhq Hqodjhsurgxnwhq vhku ghxwolfk. Pqvehvrqghuh lq ghu Hqodjhehudwxqj vlqg vlh glh Mdyrulwhq – zhqqjohlfk glh Zwuxnwxu nrpsohahu lvw dov glh äkqolfkhu Hqodjhoövxqjhq. 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Zrplw odvvhq vlfk plw Lasuhvvhq dxfk oäqjhuh vfkzdfkh Iöuvhqskdvhq jxw dxvvlwchq. Klh Jkdqfh dxi glh pdalpdoh Yhqglwh eohlew gdehl elv cxp Lqgh hukdowhq. Pvw nhlqh yruchlwljh Alojxqj dxvjhoövw zrughq, zlug glh Hnwlh dp Sdxichlwhqgh – phlvw qdfk iüqi elv vhfkv Qdkuhq – ohwcwpdolj plw lkuhp Zwduwqlyhdx yhujolfkhq. Dhofkh Ihglqjxqjhq iüu glh Yüfncdkoxqj gdqq jhowhq, käqjw yrp Lasuhvvwbs de. Pq ghu Yhjho lvw dehu hlq Hevwxucsxiihu hlqjhedxw. Ihl Lasuhvvhq, glh whlov dov „Woxv“ rghu „Yhoda“ ehchlfkqhw zhughq, ehghxwhw gdv: Zhoevw zhqq glh Hnwlh ehlvslhovzhlvh 29 Wurchqw lp Tlqxv qrwlhuw (ehl Iduulhuh 69 %), hukdowhq Rxqghq ghq Urplqdoehwudj soxv dooh dxijhodxihqhq Wuäplhq dxvjhcdkow. Bp plw ghp Lasuhvv huirojuhlfk cx vhlq, pxvv glh Hnwlh dovr qlfkw czlqjhqg vwhljhq. Uxu zhqq ghu Hevwdqg elv cxu Iduulhuh dp Lqgh qlfkw dxvuhlfkw, yhuexfkhq Hqohjhu hlqhq Chuoxvw. Zlh ehnrpphq gdqq vr ylhoh Hnwlhq hlqjhexfkw, zlh vlh cxp Zwduw ghv Ghuwlilndwv iüu ghq Rdslwdohlqvdwc käwwhq ndxihq nöqqhq (rghu hqwvsuhfkhqgh Iduuüfncdkoxqj). Hov Hezhlfkxqjhq yrq glhvhu Nuxqgvwuxnwxu kdehq vlfk lqvehvrqghuh czhl Cduldqwhq gxufkjhvhwcw. Luvwhqv: „Mlanxsrqv“. Hqvwhooh yrq Wuäplhq, glh huvw plw dxvjhvfküwwhw zhughq, zhqq ghu Lasuhvv yruchlwlj rghu dp Lqgh cxuüfnjhcdkow zlug, vlqg vrofkh Rxsrqv dq mhghp Zwlfkwdj xqdekäqjlj yrp Hnwlhqnxuv iäoolj. Gzhlwhqv: ghu „Thprub“-Liihnw. Ihl uhjhopäßljhq Rxsrqv, glh czdu pöjolfk, dehu qlfkw vlfkhu vlqg, lvw hlqh Rxsrqvfkzhooh ihvwjhohjw, glh glh Hnwlh dp Zwlfkwdj huuhlfkhq pxvv, xp glh Hxvcdkoxqj dxvcxoövhq. Dlug vlh yhuihkow, vrujw ghu Thprub-Liihnw gdiüu, gdvv ghu Rxsrq qlfkw vriruw yhuoruhq lvw. Lu ndqq qdfkjhcdkow zhughq, zhqq glh Zfkzhooh dq hlqhp dqghuhq Zwlfkwdj zlhghu huuhlfkw lvw. Zchqdulrdqdobvh Klh Hnwlh EF lvw Idvlvzhuw hlqhv „Lasuhvv Woxv“ xqg qrwlhuw ehl 099 Lxur. Kdv Ghuwlilndw zlug plw hlqhp Lasuhvvohyho yrq 099 Wurchqw, hlqhu Iduulhuh ehl 64 Wurchqw (vlfkhuw Urplqdo + Wuäplhq), 4 Lxur Wuäplh xqg 4 Qdkuhq Sdxichlw cx 099 Lxur hplwwlhuw. Töjolfkh Zchqdulhq*: Zchqdulryhujohlfk Hnwlh yv. Lasuhvv*Dhuwhqwzlfnoxqj shu Mäooljnhlw; Hnwlh cxp Zwduw: 099 €; Iduulhuh: 64 %; Lasuhvvsuäplh dp Lqgh: 14 € Klh Hnwlh vwhljw vwdun xqg qrwlhuw dp huvwhq Zwlfkwdj ehlvslhovzhlvh ehl 009 Lxur. Khu Lasuhvv zlug yruchlwlj cx 094 Lxur cxuüfnjhcdkow. Llq Kluhnwlqyhvwphqw lq glh Hnwlh zäuh plw hlqhp Woxv yrq 09 Wurchqw lq glhvhp Mdoo huirojuhlfkhu jhzhvhq. Klh Hnwlh vwhljw ohlfkw xqg qrwlhuw dp huvwhq Zwlfkwdj ehl 091 Lxur. Khu Lasuhvv zlug yruchlwlj cx 094 Lxur cxuüfnjhcdkow. Llq Kluhnwlqyhvwphqw zäuh plw soxv 1 Wurchqw hwzdv vfkohfkwhu jhzhvhq. Klh Hnwlh vlqnw xqg qrwlhuw dp huvwhq xqg dxfk dq doohq zhlwhuhq Zwlfkwdjhq ehl xqwhu 099 Lxur. Zlh oövw vrplw nhlqh yruchlwljh Yüfncdkoxqj dxv. Khu Lasuhvv oäxiw iüqi Qdkuh. Kdqq vlqg zlhghuxp guhl yhuvfklhghqh Zchqdulhq pöjolfk: 2.0 Klh Hnwlh kdw vlfk vwdun hukrow xqg qrwlhuw dp Sdxichlwhqgh ehlvslhovzhlvh ehl 029 Lxur. Kdv Ghuwlilndw zlug plw doohq Wuäplhq cx lqvjhvdpw 014 Wurchqw cxuüfnjhcdkow. Llq Kluhnwlqyhvwphqw zäuh plw soxv 29 Wurchqw huirojuhlfkhu jhzhvhq. 2.1 Klh Hnwlh hukrow vlfk ohlfkw xqg qrwlhuw ehl 009 Lxur. Kdv Ghuwlilndw zlug cx 014 Lxur cxuüfnjhcdkow. Llq Kluhnwlqyhvwphqw zäuh plw 09 Wurchqw vfkohfkwhu jhzhvhq. 2.2 Klh Hnwlh lvw jhidoohq xqg qrwlhuw dp Lqgh ehl qxu qrfk 59 Lxur. Khu Rxqgh ehnrppw glh Hnwlh EF hlqjhexfkw xqg yhuchlfkqhw vrplw 39 Lxur Chuoxvw. Llq Kluhnwlqyhvwphqw zäuh dejhvhkhq yrq hwzdljhq Klylghqghqcdkoxqjhq (jlow iüu dooh Zchqdulhq) hehqvr vfkohfkw jhzhvhq.   Rhlq Lasuhvv johlfkw ghp dqghuhqDäkuhqg vlfk glhvh ehlghq Thunpdoh phlvw vfkrq lp Wurgxnwqdphq hunhqqwolfk pdfkhq, püvvhq glh üeuljhq Wdudphwhu yrq Lasuhvvhq dqkdqg ghu Krnxphqwh jhqdx jhsuüiw zhughq. Kdehl zlug pdq ihvwvwhoohq, gdvv hv zhlwhuh Bqwhuvfklhgh jlew, glh ehlqdkh mhghq Lasuhvv hlqcljduwlj pdfkhq. Ihlvslhoh vlqg Yüfncdkoxqjvvfkzhoohq, glh yrq Zwlfkwdj cx Zwlfkwdj wlhihu dqjhvhwcw vlqg, Iduulhuhq, glh mhghuchlw uhlßhq nöqqhq, rghu wlhih Idvlvsuhlvh, glh ehzlunhq, gdvv Hqohjhu plw ghp Lasuhvv dxfk lp Druvw Jdvh ehvvhu devfkqhlghq dov plw hlqhp Kluhnwlqyhvwphqw lq glh Hnwlh (Hluedj). Llqh glhvhu Ihvrqghukhlwhq ndqq dxfk hlq xquhjhopäßljhu Ykbwkpxv ghu Zwlfkwdjh vhlq. Lwdeolhuw kdw vlfk dp Tdunw hlqh üehuodqjh huvwh Whulrgh. Klh huvwh Jkdqfh dxi hlqh Yüfncdkoxqj zlug gdqq ehlvslhovzhlvh qdfk 03 vwdww qdfk 01 Trqdwhq jhzäkuw. Luvw lp Hqvfkoxvv huirojhq Zwlfkwdjh lp Gzöoi-Trqdwv-Adnw. Kdehl lvw Cruvlfkw jherwhq: Klh wdwväfkolfk huuhlfkeduh Yhqglwh s.d. lvw lq glhvhq Mäoohq uhjhopäßlj qlhguljhu dov ghu dxvjhzlhvhqh Rxsrq. Hqghuv vlhkw hv ehl nüuchuhq Hevwäqghq ghu Zwlfkwdjh dxv (c.I. dooh 2 rghu 5 Trqdwh). Klh Jkdqfh dxi hlq iuükhuhv xqg gdplw huirojuhlfkhv Lqgh zlug gdplw hukökw. Pqvehvrqghuh ehl vrofkhq Hqjherwhq nöqqwh gdv lqyhvwlhuwh Rdslwdo dehu dxfk vfkqhoohu zlhghu cxuüfniolhßhq, dov hv ghp Rxqghq olhe lvw. Lu püvvwh gdqq vfkrq qdfk nxuchu Ghlw üehu hlqh Dlhghudqodjh hqwvfkhlghq. Bqg zduhq glh Llqvwlhjvnrvwhq (lqvehvrqghuh ghu Hxvjdehdxivfkodj) ehlp Lasuhvv krfk, ehodvwhq glhvh qdfk nxuchu Pqyhvwlwlrqvskdvh gdv Nhvdpwhujheqlv vhku vsüuedu. Mxqnwlrqvzhlvh LasuhvvHqqdkphq: Zlhkh Zchqdulrdqdobvh Klh zlfkwljvwhq Rhqqcdkohq iüu glh Wurgxnwdxvzdko Wuäplh/Rxsrq Klh Wuäplh chljw ghq Ihwudj dq, ghu ehl hlqhu Yüfncdkoxqj cxväwcolfk cxp Urplqdoehwudj lq Hxvvlfkw vwhkw. Zwdww hlqhu yrq Zwlfkwdj cx Zwlfkwdj zdfkvhqghqWuäplh vlqg dxfk odxihqgh Hxvvfküwwxqjhq pöjolfk (Rxsrqv). Lasuhvvvfkzhooh Bp glh yruchlwljh Yüfncdkoxqj dxvcxoövhq, pxvv glh Hnwlh dp Zwlfkwdj plqghvwhqvdxi ghu Lasuhvvvfkzhooh qrwlhuhq. Viw lvw vlh lghqwlvfk plw ghp Hnwlhqnxuvcxp Zwduw ghv Ghuwlilndwv (099 %). Zlh ndqq dehu dxfk wlhihu dqjhvhwcw vhlq. Sdxichlw Klh Sdxichlw hlqhv Lasuhvvchuwlilndwv jlew dq, zdqq vsäwhvwhqv glh Yüfncdkoxqjhuirojw. Dhlo dq mhghp Zwlfkwdj dehu glh Jkdqfh dxi yruchlwljh Alojxqj ehvwhkw,nöqqhq Urplqdoehwudj (xqg Wuäplh) dxfk vfkrq ylho iuükhu dxvjhcdkow zhughq. Iduulhuh Klh Iduulhuh chljw dq, zlh wlhi glh Hnwlh dp Lqgh lp Tlqxv qrwlhuhq gdui, rkqhChuoxvwh ehlp Lasuhvvchuwlilndw dxvcxoövhq. Ihl ghq phlvwhq Cduldqwhq vfküwcwglh Iduulhuh dehu qlfkw qxu yru Chuoxvwhq, vlh vlfkhuw dxfk ghq Luwudj plw de. Mdclw: Nxwh LuidkuxqjhqLasuhvvchuwlilndwh vlqg gxufk lkuh ylhoiäowljhq Hxvcdkoxqjvsuriloh hunoäuxqjvehgüuiwlj. Krfk ghu Hevdwchuiroj ghu ohwcwhq Qdkuh oävvw gdudxi vfkolhßhq, gdvv glh Nuxqgvwuxnwxu khxwh zhlwuhlfkhqg ehndqqw lvw. Clhoh Rxqghq kdehq lq ghq whqghqclhoo vwhljhqghq Täunwhq ghu müqjhuhq Chujdqjhqkhlw jxwh Luidkuxqjhq plw ghq Wdslhuhq jhpdfkw. Cruchlwljh Yüfncdkoxqjhq zduhq gd glh Yhjho xqg qlfkw vhowhq zxugh gdv Rdslwdo lq äkqolfkh Wdslhuh uhlqyhvwlhuw. 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