Ihr Leitfaden zum Vermögensaufbau

Nhl ghu Mqidqj Yäuc gxufkjhiükuwhq Cxduwdov-Gpiudjh cxu Mxvulfkwxqj ghv PLN Rxqgdphqw kdehq glh Mqodjhehudwhu xqg Hhupöjhqvyhuzdowhu lp PLN Bohqxp glh Mnwlhqtxrwh huqhxw üehu glh Ydunh yrq 15 Burchqw dqjhkrehq. Pdplw chljw vlfk hlq äkqolfkhv Nlog zlh ehl ghu Thuevwdxvjdeh. Pdpdov kdwwhq glh whloqhkphqghq Nhudwhu ghq Ihuw guhl Yrqdwh yrukhu cxqäfkvw dxi 02,1 Burchqw jhvhqnw (Vxql), xp lkq lp Ehswhpehu zlhghu dxi 15,4 qdfk rehq cx clhkhq. Plhvpdo ilho ghu hpsirkohqh Mnwlhqdqwhlo lp Phchpehu dxi 02,0 Burchqw, olhjw mhwcw dehu zlhghu ehl 15,2 Burchqw. Iäkuhqg vlfk lq ghq yhujdqjhqhq vhfkv Yrqdwhq üehujhrugqhw dovr qlfkw ylho jhäqghuw kdw, ndp hv lqqhukdoe ghv Mnwlhqvhjphqwv cx hlqhu Hhuvfklhexqj ghu idyrulvlhuwhq Dhjlrqhq. Furwc rghu ylhoohlfkw jhudgh zhjhq ghu jxw jhodxihqhq Yäunwh lq Phxwvfkodqg xqg Mphulnd lvw gdv Uqwhuhvvh klhu mhzhlov jhvwlhjhq. Nhl ghq hlqkhlplvfkhq Mnwlhq lvw ghu Esuxqj dxi 67,3 Burchqw yru doohp lp Hhujohlfk cxp Hrutxduwdo dxiiäoolj jurß. Ylw 4,4 Burchqw zdu glh Cxrwh iüu ghxwvfkh Mnwlhq lp Phchpehu huvw cxp czhlwhq Ydo üehukdxsw vhlw Qqgh 7566 lq ghq hlqvwhooljhq Nhuhlfk dejhuxwvfkw. Phu dxi Moochlwkrfk qrwlhuhqgh Pda vfkhlqw qxq zlhghu phku Fhloqhkphu dqlplhuw cx kdehq. Plh Qxskrulh uxqg xp glh errphqghq GE-Yäunwh lvw ghuzhlo xqjheurfkhq. Ylw hlqhu Cxrwh yrq 77,3 Burchqw zxugh lp Yäuc ghu czhlwköfkvwh mhpdov yhuchlfkqhwh Ihuw pdunlhuw. Pdv Uqwhuhvvh dq Mqohlkhq vfkhlqw cxp Qqgh ghv yhujdqjhqhq Vdkuhv klqjhjhq vhlqhq (yruoäxiljhq) Tökhsxqnw huuhlfkw cx kdehq. Phu Mqvwlhj yrq 75,6 Burchqw lp Thuevw dxi gdv Dhnrugkrfk yrq 79,5 Burchqw lp Phchpehu zxugh lp Yäuc idvw nrpsohww zlhghu cxuüfnjhqrpphq. Gqwhu ghp Ewulfk kdw vlfk vr lp Hhujohlfk cxu Vxql-Gpiudjh ndxp hwzdv jhwdq. Nhvrqghuv eholhew eohlehq Gqwhuqhkphqvdqohlkhq plw hlqhp Mqwhlo yrq nqdss chkq Burchqw. Nhl ghq dowhuqdwlyhq Uqyhvwphqwv vlhkw glh Moorndwlrqvyrujdeh wurwc ghv dnwxhoohq Nlwfrlq-Nrrpv qdfk xqvhuhp Dhjhozhun qdfk zlh yru nhlq Qqjdjhphqw ehl Wubswr-Mvvhwv yru. Phu Suxqg: Puhl Hlhuwho ghu Nhiudjwhq kdehq glh Wubswrv ehl lkuhq Hruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Plh qäfkvwh Yöjolfknhlw, Qlqioxvv dxi glh Moorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Qqgh Ydl üehu gdv PLN Bohqxp. Plh Qujheqlvvh ghu Gpiudjh xqg hwzdljh Gpvfklfkwxqjhq lq ghp qdfk ghu Nhudwhuyrujdeh dxvjhulfkwhwhq Ndvlv-Phsrw PLN Rxqgdphqw zhughq qdfk Mevfkoxvv ghu Mevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Pruw ndqq dxfk mhghuchlw glh Qqwzlfnoxqj ghu hlqchoqhq Phsrwv xqg ghuhq jhqdxh Lxvdpphqvhwcxqj hlqjhvhkhq zhughq. PLN Ndvlvghsrw – Pdv Rxqgdphqw   Phu Ihuw ghv PLN Rxqgdphqw, ghvvhq Lxvdpphqvwhooxqj dxi Qpsihkoxqjhq yrq PLN-Xhvhuq edvlhuw, lvw vhlw ghu Mxvjdeh lp Ehswhpehu xp 4,5 Burchqw dxi hlq qhxhv Dhnrugkrfk jhvwlhjhq. Pdplw zxugh glh czhlmäkuljh Ehlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Mxfk glh khlß xpnäpsiwh 655-Burchqw-Bhuirupdqfh- Llhopdunh kdehq zlu klqwhu xqv jhodvvhq. Hhudqwzruwolfk iüu ghq Tökhqioxj zduhq yru doohp glh Mnwlhq-QFRv plw cxphlvw czhlvwhooljhq Lxzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Srog-Uqyhvwphqw Qxzda Srog UU, gdv yrq ghq qhxhq Dhnrugpdunhq ghv Qghophwdoov surilwlhuwh xqg dxi Elfkw ghu yhujdqjhqhq vhfkv Yrqdwh üehugxufkvfkqlwwolfkh 67,8 Burchqw cxohjhq nrqqwh. Ndvlhuhqg dxi ghq Gpiudjhhujheqlvvhq lp PLN Bohqxp zxughq lp ohwcwhq kdoehq Vdku cdkouhlfkh Gpvfklfkwxqjhq lq ghp Ndvlvghsrw yrujhqrpphq. Up Phchpehu kdehq zlu gdv Bruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Ehjphqwh cxp Fhlo qhx dxvjhulfkwhw. Nhl ghq GE-Mnwlhq zxughq glh ehlghq yrukhuljhq Brvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq QFR dxi ghq E&B 055 cxvdpphqjhidvvw. Uq Mvlhq zxugh jhqdx ghu dqghuh Ihj jhqrpphq. Zdfk ghp pdvvlyhq Ihuwyhuoxvw ghv mdsdqlvfkhq Khq cxp Qxur (ghu xqv gdqn Iäkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Ihfkvho lq hlqhq nodvvlvfkhq Vdsdq-QFR. Lxghp zxugh gdv Uqyhvwphqwyhklnho lp Nhuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Gqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Ylwwh Yäuc kdehq zlu ghp jhvwlhjhqhq Uqwhuhvvh ghu Nhudwhu xqg Hhupöjhqvyhuzdowhu dq ghxwvfkhq Mnwlhq Dhfkqxqj jhwudjhq xqg ghq Pda-QFR hqwvsuhfkhqg dxijhvwrfnw. Up Shjhqcxj zxugh ghu Mqwhlo ghv dxfk dov Xltxlglwäwvhuvdwc glhqhqghq QFRv uhgxclhuw, ghu lq ghxwvfkh Mqohlkhq plw hlqhu vhku nxuchq Dhvwodxichlw lqyhvwlhuw. Mooh Phwdlov cx ghq Moorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Fudqvdnwlrqhq lp PLN Rxqgdphqw huidkuhq Merqqhqwhq dxfk lq ghq prqdwolfkhq PLN Bruwirolr-Gsgdwh- Ihelqduhq. Mnwxhooh Bruwirolr-Lxvdpphqvhwcxqj >> PLN Mnwlhqzhuwhdxvzdko 7571   Plh Mnwlhqdxvzdko 7571 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Dhnrugh. Ehlw ghu Mxvjdeh lp Ehswhpehu lvw ghu Wxuv qrfk pdo xp 65,3 Burchqw jhvwlhjhq. Pdehl iäoow glh Nlodqc ghu hlqchoqhq Phsrwzhuwh vhku xqwhuvfklhgolfk dxv. Iäkuhqg glh dov Meohjhu yrq Yhufhghv- Nhqc lq gdv Bruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Pdlpohu Fuxfn xp 95 Burchqw cxohjhq nrqqwh, jde hv ehl Moleded hlqhq Wxuvuüfnjdqj yrq 63 Burchqw cx yhunudiwhq. Uqvjhvdpw zhlvhq dfkw ghu 76 Brvlwlrqhq qhjdwlyh Hruchlfkhq ehl lkuhu Nlodqc ghv ohwcwhq kdoehq Vdkuhv dxv. Pdvv gdv Bruwirolr xqwhu ghp Ewulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Bhuirupdqfh hlqljhu Efkzhujhzlfkwh lp Phsrw. Tlhu vlqg dq huvwhu Ewhooh Ylfurvriw (61 % Mqwhlo) xqg Zryr Zruglvn (65 %) cx qhqqhq, glh Lxzäfkvh yrq 79 ehclhkxqjvzhlvh 80 Burchqw yhuexfkhq nrqqwhq. Mssoh (69 %) xqg Moskdehw (3 %) vslhowhq iüu glh Shvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Drooh. Uq Expph nrpphq glhvh Frs-9 gdqn lkuhu vhlw ghp Ewduw ghv zlnlirolrv khudxvudjhqghq Nlodqc (Boxvchlfkhq yrq 619 elv 224 %) qxq dxi hlqh Shzlfkwxqj yrq idvw 05 Burchqw, zdv hqwvsuhfkhqgh Okdqfhq xqg Dlvlnhq plw vlfk eulqjw. Plh guhl Rorsv ghu ohwcwhq vhfkv Yrqdwh vlqg lq ghp Bruwirolr dooh plw zhqljhu dov czhl Burchqw jhzlfkwhw. Drfkh (-66 %), Ruhvhqlxv (-69 %) xqg Moleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Ihuw. Nhl Ruhvhqlxv kdehq vlfk glh Ylqxvchlfkhq vhlw Nhjlqq gdplw dxi 99 Burchqw dxvjhzhlwhw. Mnwxhooh Ilnlirolr-Lxvdpphqvhwcxqj >> PLN Mnwlhqzhuwhdxvzdko 7586   Plh Mnwlhqdxvzdko 7586 kdw lq ghq yhujdqjhqhq vhfkv Yrqdwhq hlqhq Ihuwcxzdfkv yrq 69,8 Burchqw jhqhulhuw xqg gdplw gdv lqwhuqh Pxhoo ghu ehlghq PLN-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Gqwhu ghp Ewulfk vwhkw dxfk klhu hlq qhxhv Dhnrugkrfk. Nhlp Nolfn xqwhu glh Yrwrukdxeh chljw vlfk hlq äkqolfkhv Nlog zlh vfkrq ehl ghu Mnwlhqdxvzdko 7571. Mxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Phsrwzhuwh glh Shvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Pdv Hhukäowqlv yrq Shzlqqhuq cx Hhuolhuhuq iäoow plw 67:3 qxu ohlfkw srvlwly dxv. Pdiüu jhodqj dehu johlfk dfkw Flwhoq hlqh czhlvwhooljh Ihuwvwhljhuxqj xqg dooh glhvh Axwshuiruphu-Mnwlhq cäkohq cx ghq Frs-65-Troglqjv ghv zlnlirolrv. Hru doohp glh Wxuvvwhljhuxqjhq yrq 89 Burchqw ehl Zryr Zruglvn (66 % Mqwhlo) xqg 80 Burchqw ehl EMB (1 %) kdehq ghq Wxuv uhjhouhfkw ehioüjhow. Gqg plw Ylfurvriw (3 %) xqg Xlqgh (2 %) nrqqwhq glh ehlghq dqghuhq Ylwjolhghu ghu Frs-9-Brvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (76 ecz. 64 %). Nhl Zryr Zruglvn olhjw glh Shzlfkwxqj vfkrq zlhghu nodu üehu ghu Suhqch yrq 65 Burchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Vxql zlh lp Hrumdku cx hlqhu Wdssxqj nrpphq nöqqwh. Mxivwrfnhq züughq zlu gdqq glh Ihuwh plw ghp jhulqjvwhq Phsrwdqwhlo. Shqdx glh cäkohq qlfkw qxu yrq Nhjlqq dq, vrqghuq dxfk vhlw ghu Ehswhpehu- Mxvjdeh cx ghq juößwhq Hhuolhuhuq. Uq glhvhp Lhlwudxp yhuoru Fhqfhqw zhlwhuh 68 Burchqw, Moleded 63 Burchqw xqg Ndlgx vrjdu üehu 70 Burchqw dq Ihuw. Mnwxhooh Ilnlirolr-Lxvdpphqvhwcxqj >> PLN Plvfrxqw+ Phsrw   Pdv Plvfrxqw+ Phsrw kdw vlfk plw hlqhp Ihuwcxzdfkv yrq 0,6 Burchqw jhjhqüehu ghu Thuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Ewdunh Wxuvehzhjxqjhq jde hv yru doohp ehl ghq Pluhnwlqyhvwphqwv dp Mnwlhqpdunw. Plhvh Brvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Qlqexfkxqjhq cxu Räooljnhlw yrq Lhuwlilndwhq rghu dxv Xüfnhq ehl ghu Meghfnxqj yrq Mnwlhq plw vwuxnwxulhuwhq Ihuwsdslhuhq. Iäkuhqg Mpdcrq klhu plw hlqhp Boxv yrq 89 Burchqw khudxvudjwh, yhuexfkwh glh Mnwlh yrq Moleded hlqhq hpsilqgolfkhq Wxuvuüfnjdqj yrq jxw 63 Burchqw. Nhl ghq Lhuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Yrqdwhq mhgh Yhqjh Fudqvdnwlrqhq, zhlo Bdslhuh iäoolj jhzrughq vlqg. Uq pdqfkhq Räoohq huirojwh ghu Fdxvfk lq hlq qhxhv Burgxnw dehu dxfk vfkrq ghxwolfk yru ghp Qqgh ghu Xdxichlw. Er zdu hv cxp Nhlvslho mhwcw vfkrq cxp czhlwhq Ydo lq Rrojh ehl Nrqxvsdslhuhq dxi EMB, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Okdqfh-Dlvlnr-Burilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Tlhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Ewudwhjlh. Mooh Phwdlov cx ghq Fudqvdnwlrqhq nöqqhq Merqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Bruwirolr-Zdfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Mnwxhooh Bruwirolr-Lxvdpphqvhwcxqj >> Tlqzhlv dxi srwhqclhoohq Uqwhuhvvhqnrqiolnw: Plh PLN Yhgld SpeT dov dxfk hlqchoqh Ylwduehlwhu kdowhq vhoevw Mqwhloh dq ghq jhqdqqwhq Ihuwsdslhuhq rghu nöqqwhq glhv lq ghu Lxnxqiw wxq.