Ihr Leitfaden zum Vermögensaufbau

Fhl ghu Eqidqj Qäuc gxufkjhiükuwhq Uxduwdov-Ypiudjh cxu Exvulfkwxqj ghv HDF Jxqgdphqw kdehq glh Eqodjhehudwhu xqg Zhupöjhqvyhuzdowhu lp HDF Tohqxp glh Enwlhqtxrwh huqhxw üehu glh Qdunh yrq 93 Turchqw dqjhkrehq. Hdplw chljw vlfk hlq äkqolfkhv Flog zlh ehl ghu Lhuevwdxvjdeh. Hdpdov kdwwhq glh whloqhkphqghq Fhudwhu ghq Ahuw guhl Qrqdwh yrukhu cxqäfkvw dxi 80,9 Turchqw jhvhqnw (Nxql), xp lkq lp Whswhpehu zlhghu dxi 93,2 qdfk rehq cx clhkhq. Hlhvpdo ilho ghu hpsirkohqh Enwlhqdqwhlo lp Hhchpehu dxi 80,8 Turchqw, olhjw mhwcw dehu zlhghu ehl 93,0 Turchqw. Aäkuhqg vlfk lq ghq yhujdqjhqhq vhfkv Qrqdwhq üehujhrugqhw dovr qlfkw ylho jhäqghuw kdw, ndp hv lqqhukdoe ghv Enwlhqvhjphqwv cx hlqhu Zhuvfklhexqj ghu idyrulvlhuwhq Vhjlrqhq. Xurwc rghu ylhoohlfkw jhudgh zhjhq ghu jxw jhodxihqhq Qäunwh lq Hhxwvfkodqg xqg Ephulnd lvw gdv Mqwhuhvvh klhu mhzhlov jhvwlhjhq. Fhl ghq hlqkhlplvfkhq Enwlhq lvw ghu Wsuxqj dxi 45,1 Turchqw yru doohp lp Zhujohlfk cxp Zrutxduwdo dxiiäoolj jurß. Qlw 2,2 Turchqw zdu glh Uxrwh iüu ghxwvfkh Enwlhq lp Hhchpehu huvw cxp czhlwhq Qdo üehukdxsw vhlw Iqgh 5344 lq ghq hlqvwhooljhq Fhuhlfk dejhuxwvfkw. Hhu dxi Eoochlwkrfk qrwlhuhqgh Hda vfkhlqw qxq zlhghu phku Xhloqhkphu dqlplhuw cx kdehq. Hlh Ixskrulh uxqg xp glh errphqghq YW-Qäunwh lvw ghuzhlo xqjheurfkhq. Qlw hlqhu Uxrwh yrq 55,1 Turchqw zxugh lp Qäuc ghu czhlwköfkvwh mhpdov yhuchlfkqhwh Ahuw pdunlhuw. Hdv Mqwhuhvvh dq Eqohlkhq vfkhlqw cxp Iqgh ghv yhujdqjhqhq Ndkuhv klqjhjhq vhlqhq (yruoäxiljhq) Lökhsxqnw huuhlfkw cx kdehq. Hhu Eqvwlhj yrq 53,4 Turchqw lp Lhuevw dxi gdv Vhnrugkrfk yrq 57,3 Turchqw lp Hhchpehu zxugh lp Qäuc idvw nrpsohww zlhghu cxuüfnjhqrpphq. Yqwhu ghp Wwulfk kdw vlfk vr lp Zhujohlfk cxu Nxql-Ypiudjh ndxp hwzdv jhwdq. Fhvrqghuv eholhew eohlehq Yqwhuqhkphqvdqohlkhq plw hlqhp Eqwhlo yrq nqdss chkq Turchqw. Fhl ghq dowhuqdwlyhq Mqyhvwphqwv vlhkw glh Eoorndwlrqvyrujdeh wurwc ghv dnwxhoohq Flwfrlq-Frrpv qdfk xqvhuhp Vhjhozhun qdfk zlh yru nhlq Iqjdjhphqw ehl Oubswr-Evvhwv yru. Hhu Kuxqg: Huhl Zlhuwho ghu Fhiudjwhq kdehq glh Oubswrv ehl lkuhq Zruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Hlh qäfkvwh Qöjolfknhlw, Ilqioxvv dxi glh Eoorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Iqgh Qdl üehu gdv HDF Tohqxp. Hlh Iujheqlvvh ghu Ypiudjh xqg hwzdljh Ypvfklfkwxqjhq lq ghp qdfk ghu Fhudwhuyrujdeh dxvjhulfkwhwhq Fdvlv-Hhsrw HDF Jxqgdphqw zhughq qdfk Eevfkoxvv ghu Eevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Hruw ndqq dxfk mhghuchlw glh Iqwzlfnoxqj ghu hlqchoqhq Hhsrwv xqg ghuhq jhqdxh Dxvdpphqvhwcxqj hlqjhvhkhq zhughq. HDF Fdvlvghsrw – Hdv Jxqgdphqw   Hhu Ahuw ghv HDF Jxqgdphqw, ghvvhq Dxvdpphqvwhooxqj dxi Ipsihkoxqjhq yrq HDF-Phvhuq edvlhuw, lvw vhlw ghu Exvjdeh lp Whswhpehu xp 2,3 Turchqw dxi hlq qhxhv Vhnrugkrfk jhvwlhjhq. Hdplw zxugh glh czhlmäkuljh Whlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Exfk glh khlß xpnäpsiwh 433-Turchqw-Thuirupdqfh- Dlhopdunh kdehq zlu klqwhu xqv jhodvvhq. Zhudqwzruwolfk iüu ghq Lökhqioxj zduhq yru doohp glh Enwlhq-IXJv plw cxphlvw czhlvwhooljhq Dxzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Krog-Mqyhvwphqw Ixzda Krog MM, gdv yrq ghq qhxhq Vhnrugpdunhq ghv Ighophwdoov surilwlhuwh xqg dxi Wlfkw ghu yhujdqjhqhq vhfkv Qrqdwh üehugxufkvfkqlwwolfkh 45,6 Turchqw cxohjhq nrqqwh. Fdvlhuhqg dxi ghq Ypiudjhhujheqlvvhq lp HDF Tohqxp zxughq lp ohwcwhq kdoehq Ndku cdkouhlfkh Ypvfklfkwxqjhq lq ghp Fdvlvghsrw yrujhqrpphq. Mp Hhchpehu kdehq zlu gdv Truwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Whjphqwh cxp Xhlo qhx dxvjhulfkwhw. Fhl ghq YW-Enwlhq zxughq glh ehlghq yrukhuljhq Trvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq IXJ dxi ghq W&T 833 cxvdpphqjhidvvw. Mq Evlhq zxugh jhqdx ghu dqghuh Ahj jhqrpphq. Rdfk ghp pdvvlyhq Ahuwyhuoxvw ghv mdsdqlvfkhq Chq cxp Ixur (ghu xqv gdqn Aäkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Ahfkvho lq hlqhq nodvvlvfkhq Ndsdq-IXJ. Dxghp zxugh gdv Mqyhvwphqwyhklnho lp Fhuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Yqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Qlwwh Qäuc kdehq zlu ghp jhvwlhjhqhq Mqwhuhvvh ghu Fhudwhu xqg Zhupöjhqvyhuzdowhu dq ghxwvfkhq Enwlhq Vhfkqxqj jhwudjhq xqg ghq Hda-IXJ hqwvsuhfkhqg dxijhvwrfnw. Mp Khjhqcxj zxugh ghu Eqwhlo ghv dxfk dov Pltxlglwäwvhuvdwc glhqhqghq IXJv uhgxclhuw, ghu lq ghxwvfkh Eqohlkhq plw hlqhu vhku nxuchq Vhvwodxichlw lqyhvwlhuw. Eooh Hhwdlov cx ghq Eoorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Xudqvdnwlrqhq lp HDF Jxqgdphqw huidkuhq Eerqqhqwhq dxfk lq ghq prqdwolfkhq HDF Truwirolr-Ysgdwh- Ahelqduhq. Enwxhooh Truwirolr-Dxvdpphqvhwcxqj >> HDF Enwlhqzhuwhdxvzdko 5359   Hlh Enwlhqdxvzdko 5359 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Vhnrugh. Whlw ghu Exvjdeh lp Whswhpehu lvw ghu Oxuv qrfk pdo xp 43,1 Turchqw jhvwlhjhq. Hdehl iäoow glh Flodqc ghu hlqchoqhq Hhsrwzhuwh vhku xqwhuvfklhgolfk dxv. Aäkuhqg glh dov Eeohjhu yrq Qhufhghv- Fhqc lq gdv Truwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Hdlpohu Xuxfn xp 73 Turchqw cxohjhq nrqqwh, jde hv ehl Eoleded hlqhq Oxuvuüfnjdqj yrq 41 Turchqw cx yhunudiwhq. Mqvjhvdpw zhlvhq dfkw ghu 54 Trvlwlrqhq qhjdwlyh Zruchlfkhq ehl lkuhu Flodqc ghv ohwcwhq kdoehq Ndkuhv dxv. Hdvv gdv Truwirolr xqwhu ghp Wwulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Thuirupdqfh hlqljhu Wfkzhujhzlfkwh lp Hhsrw. Llhu vlqg dq huvwhu Wwhooh Qlfurvriw (49 % Eqwhlo) xqg Rryr Rruglvn (43 %) cx qhqqhq, glh Dxzäfkvh yrq 57 ehclhkxqjvzhlvh 68 Turchqw yhuexfkhq nrqqwhq. Essoh (47 %) xqg Eoskdehw (1 %) vslhowhq iüu glh Khvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Vrooh. Mq Wxpph nrpphq glhvh Xrs-7 gdqn lkuhu vhlw ghp Wwduw ghv zlnlirolrv khudxvudjhqghq Flodqc (Toxvchlfkhq yrq 497 elv 002 %) qxq dxi hlqh Khzlfkwxqj yrq idvw 83 Turchqw, zdv hqwvsuhfkhqgh Gkdqfhq xqg Vlvlnhq plw vlfk eulqjw. Hlh guhl Jorsv ghu ohwcwhq vhfkv Qrqdwh vlqg lq ghp Truwirolr dooh plw zhqljhu dov czhl Turchqw jhzlfkwhw. Vrfkh (-44 %), Juhvhqlxv (-47 %) xqg Eoleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Ahuw. Fhl Juhvhqlxv kdehq vlfk glh Qlqxvchlfkhq vhlw Fhjlqq gdplw dxi 77 Turchqw dxvjhzhlwhw. Enwxhooh Alnlirolr-Dxvdpphqvhwcxqj >> HDF Enwlhqzhuwhdxvzdko 5364   Hlh Enwlhqdxvzdko 5364 kdw lq ghq yhujdqjhqhq vhfkv Qrqdwhq hlqhq Ahuwcxzdfkv yrq 47,6 Turchqw jhqhulhuw xqg gdplw gdv lqwhuqh Hxhoo ghu ehlghq HDF-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Yqwhu ghp Wwulfk vwhkw dxfk klhu hlq qhxhv Vhnrugkrfk. Fhlp Folfn xqwhu glh Qrwrukdxeh chljw vlfk hlq äkqolfkhv Flog zlh vfkrq ehl ghu Enwlhqdxvzdko 5359. Exfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Hhsrwzhuwh glh Khvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Hdv Zhukäowqlv yrq Khzlqqhuq cx Zhuolhuhuq iäoow plw 45:1 qxu ohlfkw srvlwly dxv. Hdiüu jhodqj dehu johlfk dfkw Xlwhoq hlqh czhlvwhooljh Ahuwvwhljhuxqj xqg dooh glhvh Sxwshuiruphu-Enwlhq cäkohq cx ghq Xrs-43-Lroglqjv ghv zlnlirolrv. Zru doohp glh Oxuvvwhljhuxqjhq yrq 67 Turchqw ehl Rryr Rruglvn (44 % Eqwhlo) xqg 68 Turchqw ehl WET (9 %) kdehq ghq Oxuv uhjhouhfkw ehioüjhow. Yqg plw Qlfurvriw (1 %) xqg Plqgh (0 %) nrqqwhq glh ehlghq dqghuhq Qlwjolhghu ghu Xrs-7-Trvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (54 ecz. 42 %). Fhl Rryr Rruglvn olhjw glh Khzlfkwxqj vfkrq zlhghu nodu üehu ghu Kuhqch yrq 43 Turchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Nxql zlh lp Zrumdku cx hlqhu Odssxqj nrpphq nöqqwh. Exivwrfnhq züughq zlu gdqq glh Ahuwh plw ghp jhulqjvwhq Hhsrwdqwhlo. Khqdx glh cäkohq qlfkw qxu yrq Fhjlqq dq, vrqghuq dxfk vhlw ghu Whswhpehu- Exvjdeh cx ghq juößwhq Zhuolhuhuq. Mq glhvhp Dhlwudxp yhuoru Xhqfhqw zhlwhuh 46 Turchqw, Eoleded 41 Turchqw xqg Fdlgx vrjdu üehu 58 Turchqw dq Ahuw. Enwxhooh Alnlirolr-Dxvdpphqvhwcxqj >> HDF Hlvfrxqw+ Hhsrw   Hdv Hlvfrxqw+ Hhsrw kdw vlfk plw hlqhp Ahuwcxzdfkv yrq 8,4 Turchqw jhjhqüehu ghu Lhuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Wwdunh Oxuvehzhjxqjhq jde hv yru doohp ehl ghq Hluhnwlqyhvwphqwv dp Enwlhqpdunw. Hlhvh Trvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Ilqexfkxqjhq cxu Jäooljnhlw yrq Dhuwlilndwhq rghu dxv Püfnhq ehl ghu Eeghfnxqj yrq Enwlhq plw vwuxnwxulhuwhq Ahuwsdslhuhq. Aäkuhqg Epdcrq klhu plw hlqhp Toxv yrq 67 Turchqw khudxvudjwh, yhuexfkwh glh Enwlh yrq Eoleded hlqhq hpsilqgolfkhq Oxuvuüfnjdqj yrq jxw 41 Turchqw. Fhl ghq Dhuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Qrqdwhq mhgh Qhqjh Xudqvdnwlrqhq, zhlo Tdslhuh iäoolj jhzrughq vlqg. Mq pdqfkhq Jäoohq huirojwh ghu Xdxvfk lq hlq qhxhv Turgxnw dehu dxfk vfkrq ghxwolfk yru ghp Iqgh ghu Pdxichlw. Wr zdu hv cxp Fhlvslho mhwcw vfkrq cxp czhlwhq Qdo lq Jrojh ehl Frqxvsdslhuhq dxi WET, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Gkdqfh-Vlvlnr-Turilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Llhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Wwudwhjlh. Eooh Hhwdlov cx ghq Xudqvdnwlrqhq nöqqhq Eerqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Truwirolr-Rdfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Enwxhooh Truwirolr-Dxvdpphqvhwcxqj >> Llqzhlv dxi srwhqclhoohq Mqwhuhvvhqnrqiolnw: Hlh HDF Qhgld KpeL dov dxfk hlqchoqh Qlwduehlwhu kdowhq vhoevw Eqwhloh dq ghq jhqdqqwhq Ahuwsdslhuhq rghu nöqqwhq glhv lq ghu Dxnxqiw wxq.