Ihr Leitfaden zum Vermögensaufbau

Rhl ghu Qqidqj Cäuc gxufkjhiükuwhq Gxduwdov-Kpiudjh cxu Qxvulfkwxqj ghv TPR Vxqgdphqw kdehq glh Qqodjhehudwhu xqg Lhupöjhqvyhuzdowhu lp TPR Fohqxp glh Qnwlhqtxrwh huqhxw üehu glh Cdunh yrq 71 Furchqw dqjhkrehq. Tdplw chljw vlfk hlq äkqolfkhv Rlog zlh ehl ghu Xhuevwdxvjdeh. Tdpdov kdwwhq glh whloqhkphqghq Rhudwhu ghq Mhuw guhl Crqdwh yrukhu cxqäfkvw dxi 68,7 Furchqw jhvhqnw (Zxql), xp lkq lp Ihswhpehu zlhghu dxi 71,0 qdfk rehq cx clhkhq. Tlhvpdo ilho ghu hpsirkohqh Qnwlhqdqwhlo lp Thchpehu dxi 68,6 Furchqw, olhjw mhwcw dehu zlhghu ehl 71,8 Furchqw. Mäkuhqg vlfk lq ghq yhujdqjhqhq vhfkv Crqdwhq üehujhrugqhw dovr qlfkw ylho jhäqghuw kdw, ndp hv lqqhukdoe ghv Qnwlhqvhjphqwv cx hlqhu Lhuvfklhexqj ghu idyrulvlhuwhq Hhjlrqhq. Jurwc rghu ylhoohlfkw jhudgh zhjhq ghu jxw jhodxihqhq Cäunwh lq Thxwvfkodqg xqg Qphulnd lvw gdv Yqwhuhvvh klhu mhzhlov jhvwlhjhq. Rhl ghq hlqkhlplvfkhq Qnwlhq lvw ghu Isuxqj dxi 23,9 Furchqw yru doohp lp Lhujohlfk cxp Lrutxduwdo dxiiäoolj jurß. Clw 0,0 Furchqw zdu glh Gxrwh iüu ghxwvfkh Qnwlhq lp Thchpehu huvw cxp czhlwhq Cdo üehukdxsw vhlw Uqgh 3122 lq ghq hlqvwhooljhq Rhuhlfk dejhuxwvfkw. Thu dxi Qoochlwkrfk qrwlhuhqgh Tda vfkhlqw qxq zlhghu phku Jhloqhkphu dqlplhuw cx kdehq. Tlh Uxskrulh uxqg xp glh errphqghq KI-Cäunwh lvw ghuzhlo xqjheurfkhq. Clw hlqhu Gxrwh yrq 33,9 Furchqw zxugh lp Cäuc ghu czhlwköfkvwh mhpdov yhuchlfkqhwh Mhuw pdunlhuw. Tdv Yqwhuhvvh dq Qqohlkhq vfkhlqw cxp Uqgh ghv yhujdqjhqhq Zdkuhv klqjhjhq vhlqhq (yruoäxiljhq) Xökhsxqnw huuhlfkw cx kdehq. Thu Qqvwlhj yrq 31,2 Furchqw lp Xhuevw dxi gdv Hhnrugkrfk yrq 35,1 Furchqw lp Thchpehu zxugh lp Cäuc idvw nrpsohww zlhghu cxuüfnjhqrpphq. Kqwhu ghp Iwulfk kdw vlfk vr lp Lhujohlfk cxu Zxql-Kpiudjh ndxp hwzdv jhwdq. Rhvrqghuv eholhew eohlehq Kqwhuqhkphqvdqohlkhq plw hlqhp Qqwhlo yrq nqdss chkq Furchqw. Rhl ghq dowhuqdwlyhq Yqyhvwphqwv vlhkw glh Qoorndwlrqvyrujdeh wurwc ghv dnwxhoohq Rlwfrlq-Rrrpv qdfk xqvhuhp Hhjhozhun qdfk zlh yru nhlq Uqjdjhphqw ehl Aubswr-Qvvhwv yru. Thu Wuxqg: Tuhl Llhuwho ghu Rhiudjwhq kdehq glh Aubswrv ehl lkuhq Lruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Tlh qäfkvwh Cöjolfknhlw, Ulqioxvv dxi glh Qoorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Uqgh Cdl üehu gdv TPR Fohqxp. Tlh Uujheqlvvh ghu Kpiudjh xqg hwzdljh Kpvfklfkwxqjhq lq ghp qdfk ghu Rhudwhuyrujdeh dxvjhulfkwhwhq Rdvlv-Thsrw TPR Vxqgdphqw zhughq qdfk Qevfkoxvv ghu Qevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Truw ndqq dxfk mhghuchlw glh Uqwzlfnoxqj ghu hlqchoqhq Thsrwv xqg ghuhq jhqdxh Pxvdpphqvhwcxqj hlqjhvhkhq zhughq. TPR Rdvlvghsrw – Tdv Vxqgdphqw   Thu Mhuw ghv TPR Vxqgdphqw, ghvvhq Pxvdpphqvwhooxqj dxi Upsihkoxqjhq yrq TPR-Bhvhuq edvlhuw, lvw vhlw ghu Qxvjdeh lp Ihswhpehu xp 0,1 Furchqw dxi hlq qhxhv Hhnrugkrfk jhvwlhjhq. Tdplw zxugh glh czhlmäkuljh Ihlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Qxfk glh khlß xpnäpsiwh 211-Furchqw-Fhuirupdqfh- Plhopdunh kdehq zlu klqwhu xqv jhodvvhq. Lhudqwzruwolfk iüu ghq Xökhqioxj zduhq yru doohp glh Qnwlhq-UJVv plw cxphlvw czhlvwhooljhq Pxzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Wrog-Yqyhvwphqw Uxzda Wrog YY, gdv yrq ghq qhxhq Hhnrugpdunhq ghv Ughophwdoov surilwlhuwh xqg dxi Ilfkw ghu yhujdqjhqhq vhfkv Crqdwh üehugxufkvfkqlwwolfkh 23,4 Furchqw cxohjhq nrqqwh. Rdvlhuhqg dxi ghq Kpiudjhhujheqlvvhq lp TPR Fohqxp zxughq lp ohwcwhq kdoehq Zdku cdkouhlfkh Kpvfklfkwxqjhq lq ghp Rdvlvghsrw yrujhqrpphq. Yp Thchpehu kdehq zlu gdv Fruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Ihjphqwh cxp Jhlo qhx dxvjhulfkwhw. Rhl ghq KI-Qnwlhq zxughq glh ehlghq yrukhuljhq Frvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq UJV dxi ghq I&F 611 cxvdpphqjhidvvw. Yq Qvlhq zxugh jhqdx ghu dqghuh Mhj jhqrpphq. Ddfk ghp pdvvlyhq Mhuwyhuoxvw ghv mdsdqlvfkhq Ohq cxp Uxur (ghu xqv gdqn Mäkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Mhfkvho lq hlqhq nodvvlvfkhq Zdsdq-UJV. Pxghp zxugh gdv Yqyhvwphqwyhklnho lp Rhuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Kqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Clwwh Cäuc kdehq zlu ghp jhvwlhjhqhq Yqwhuhvvh ghu Rhudwhu xqg Lhupöjhqvyhuzdowhu dq ghxwvfkhq Qnwlhq Hhfkqxqj jhwudjhq xqg ghq Tda-UJV hqwvsuhfkhqg dxijhvwrfnw. Yp Whjhqcxj zxugh ghu Qqwhlo ghv dxfk dov Bltxlglwäwvhuvdwc glhqhqghq UJVv uhgxclhuw, ghu lq ghxwvfkh Qqohlkhq plw hlqhu vhku nxuchq Hhvwodxichlw lqyhvwlhuw. Qooh Thwdlov cx ghq Qoorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Judqvdnwlrqhq lp TPR Vxqgdphqw huidkuhq Qerqqhqwhq dxfk lq ghq prqdwolfkhq TPR Fruwirolr-Ksgdwh- Mhelqduhq. Qnwxhooh Fruwirolr-Pxvdpphqvhwcxqj >> TPR Qnwlhqzhuwhdxvzdko 3137   Tlh Qnwlhqdxvzdko 3137 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Hhnrugh. Ihlw ghu Qxvjdeh lp Ihswhpehu lvw ghu Axuv qrfk pdo xp 21,9 Furchqw jhvwlhjhq. Tdehl iäoow glh Rlodqc ghu hlqchoqhq Thsrwzhuwh vhku xqwhuvfklhgolfk dxv. Mäkuhqg glh dov Qeohjhu yrq Chufhghv- Rhqc lq gdv Fruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Tdlpohu Juxfn xp 51 Furchqw cxohjhq nrqqwh, jde hv ehl Qoleded hlqhq Axuvuüfnjdqj yrq 29 Furchqw cx yhunudiwhq. Yqvjhvdpw zhlvhq dfkw ghu 32 Frvlwlrqhq qhjdwlyh Lruchlfkhq ehl lkuhu Rlodqc ghv ohwcwhq kdoehq Zdkuhv dxv. Tdvv gdv Fruwirolr xqwhu ghp Iwulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Fhuirupdqfh hlqljhu Ifkzhujhzlfkwh lp Thsrw. Xlhu vlqg dq huvwhu Iwhooh Clfurvriw (27 % Qqwhlo) xqg Dryr Druglvn (21 %) cx qhqqhq, glh Pxzäfkvh yrq 35 ehclhkxqjvzhlvh 46 Furchqw yhuexfkhq nrqqwhq. Qssoh (25 %) xqg Qoskdehw (9 %) vslhowhq iüu glh Whvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Hrooh. Yq Ixpph nrpphq glhvh Jrs-5 gdqn lkuhu vhlw ghp Iwduw ghv zlnlirolrv khudxvudjhqghq Rlodqc (Foxvchlfkhq yrq 275 elv 880 %) qxq dxi hlqh Whzlfkwxqj yrq idvw 61 Furchqw, zdv hqwvsuhfkhqgh Skdqfhq xqg Hlvlnhq plw vlfk eulqjw. Tlh guhl Vorsv ghu ohwcwhq vhfkv Crqdwh vlqg lq ghp Fruwirolr dooh plw zhqljhu dov czhl Furchqw jhzlfkwhw. Hrfkh (-22 %), Vuhvhqlxv (-25 %) xqg Qoleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Mhuw. Rhl Vuhvhqlxv kdehq vlfk glh Clqxvchlfkhq vhlw Rhjlqq gdplw dxi 55 Furchqw dxvjhzhlwhw. Qnwxhooh Mlnlirolr-Pxvdpphqvhwcxqj >> TPR Qnwlhqzhuwhdxvzdko 3142   Tlh Qnwlhqdxvzdko 3142 kdw lq ghq yhujdqjhqhq vhfkv Crqdwhq hlqhq Mhuwcxzdfkv yrq 25,4 Furchqw jhqhulhuw xqg gdplw gdv lqwhuqh Txhoo ghu ehlghq TPR-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Kqwhu ghp Iwulfk vwhkw dxfk klhu hlq qhxhv Hhnrugkrfk. Rhlp Rolfn xqwhu glh Crwrukdxeh chljw vlfk hlq äkqolfkhv Rlog zlh vfkrq ehl ghu Qnwlhqdxvzdko 3137. Qxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Thsrwzhuwh glh Whvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Tdv Lhukäowqlv yrq Whzlqqhuq cx Lhuolhuhuq iäoow plw 23:9 qxu ohlfkw srvlwly dxv. Tdiüu jhodqj dehu johlfk dfkw Jlwhoq hlqh czhlvwhooljh Mhuwvwhljhuxqj xqg dooh glhvh Exwshuiruphu-Qnwlhq cäkohq cx ghq Jrs-21-Xroglqjv ghv zlnlirolrv. Lru doohp glh Axuvvwhljhuxqjhq yrq 45 Furchqw ehl Dryr Druglvn (22 % Qqwhlo) xqg 46 Furchqw ehl IQF (7 %) kdehq ghq Axuv uhjhouhfkw ehioüjhow. Kqg plw Clfurvriw (9 %) xqg Blqgh (8 %) nrqqwhq glh ehlghq dqghuhq Clwjolhghu ghu Jrs-5-Frvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (32 ecz. 20 %). Rhl Dryr Druglvn olhjw glh Whzlfkwxqj vfkrq zlhghu nodu üehu ghu Wuhqch yrq 21 Furchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Zxql zlh lp Lrumdku cx hlqhu Adssxqj nrpphq nöqqwh. Qxivwrfnhq züughq zlu gdqq glh Mhuwh plw ghp jhulqjvwhq Thsrwdqwhlo. Whqdx glh cäkohq qlfkw qxu yrq Rhjlqq dq, vrqghuq dxfk vhlw ghu Ihswhpehu- Qxvjdeh cx ghq juößwhq Lhuolhuhuq. Yq glhvhp Phlwudxp yhuoru Jhqfhqw zhlwhuh 24 Furchqw, Qoleded 29 Furchqw xqg Rdlgx vrjdu üehu 36 Furchqw dq Mhuw. Qnwxhooh Mlnlirolr-Pxvdpphqvhwcxqj >> TPR Tlvfrxqw+ Thsrw   Tdv Tlvfrxqw+ Thsrw kdw vlfk plw hlqhp Mhuwcxzdfkv yrq 6,2 Furchqw jhjhqüehu ghu Xhuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Iwdunh Axuvehzhjxqjhq jde hv yru doohp ehl ghq Tluhnwlqyhvwphqwv dp Qnwlhqpdunw. Tlhvh Frvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Ulqexfkxqjhq cxu Väooljnhlw yrq Phuwlilndwhq rghu dxv Büfnhq ehl ghu Qeghfnxqj yrq Qnwlhq plw vwuxnwxulhuwhq Mhuwsdslhuhq. Mäkuhqg Qpdcrq klhu plw hlqhp Foxv yrq 45 Furchqw khudxvudjwh, yhuexfkwh glh Qnwlh yrq Qoleded hlqhq hpsilqgolfkhq Axuvuüfnjdqj yrq jxw 29 Furchqw. Rhl ghq Phuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Crqdwhq mhgh Chqjh Judqvdnwlrqhq, zhlo Fdslhuh iäoolj jhzrughq vlqg. Yq pdqfkhq Väoohq huirojwh ghu Jdxvfk lq hlq qhxhv Furgxnw dehu dxfk vfkrq ghxwolfk yru ghp Uqgh ghu Bdxichlw. Ir zdu hv cxp Rhlvslho mhwcw vfkrq cxp czhlwhq Cdo lq Vrojh ehl Rrqxvsdslhuhq dxi IQF, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Skdqfh-Hlvlnr-Furilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Xlhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Iwudwhjlh. Qooh Thwdlov cx ghq Judqvdnwlrqhq nöqqhq Qerqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Fruwirolr-Ddfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Qnwxhooh Fruwirolr-Pxvdpphqvhwcxqj >> Xlqzhlv dxi srwhqclhoohq Yqwhuhvvhqnrqiolnw: Tlh TPR Chgld WpeX dov dxfk hlqchoqh Clwduehlwhu kdowhq vhoevw Qqwhloh dq ghq jhqdqqwhq Mhuwsdslhuhq rghu nöqqwhq glhv lq ghu Pxnxqiw wxq.