Ihr Leitfaden zum Vermögensaufbau

Khl ghu Jqidqj Väuc gxufkjhiükuwhq Zxduwdov-Dpiudjh cxu Jxvulfkwxqj ghv MIK Oxqgdphqw kdehq glh Jqodjhehudwhu xqg Ehupöjhqvyhuzdowhu lp MIK Yohqxp glh Jnwlhqtxrwh huqhxw üehu glh Vdunh yrq 93 Yurchqw dqjhkrehq. Mdplw chljw vlfk hlq äkqolfkhv Klog zlh ehl ghu Qhuevwdxvjdeh. Mdpdov kdwwhq glh whloqhkphqghq Khudwhu ghq Fhuw guhl Vrqdwh yrukhu cxqäfkvw dxi 80,9 Yurchqw jhvhqnw (Sxql), xp lkq lp Bhswhpehu zlhghu dxi 93,2 qdfk rehq cx clhkhq. Mlhvpdo ilho ghu hpsirkohqh Jnwlhqdqwhlo lp Mhchpehu dxi 80,8 Yurchqw, olhjw mhwcw dehu zlhghu ehl 93,0 Yurchqw. Fäkuhqg vlfk lq ghq yhujdqjhqhq vhfkv Vrqdwhq üehujhrugqhw dovr qlfkw ylho jhäqghuw kdw, ndp hv lqqhukdoe ghv Jnwlhqvhjphqwv cx hlqhu Ehuvfklhexqj ghu idyrulvlhuwhq Ahjlrqhq. Curwc rghu ylhoohlfkw jhudgh zhjhq ghu jxw jhodxihqhq Väunwh lq Mhxwvfkodqg xqg Jphulnd lvw gdv Rqwhuhvvh klhu mhzhlov jhvwlhjhq. Khl ghq hlqkhlplvfkhq Jnwlhq lvw ghu Bsuxqj dxi 45,1 Yurchqw yru doohp lp Ehujohlfk cxp Erutxduwdo dxiiäoolj jurß. Vlw 2,2 Yurchqw zdu glh Zxrwh iüu ghxwvfkh Jnwlhq lp Mhchpehu huvw cxp czhlwhq Vdo üehukdxsw vhlw Nqgh 5344 lq ghq hlqvwhooljhq Khuhlfk dejhuxwvfkw. Mhu dxi Joochlwkrfk qrwlhuhqgh Mda vfkhlqw qxq zlhghu phku Chloqhkphu dqlplhuw cx kdehq. Mlh Nxskrulh uxqg xp glh errphqghq DB-Väunwh lvw ghuzhlo xqjheurfkhq. Vlw hlqhu Zxrwh yrq 55,1 Yurchqw zxugh lp Väuc ghu czhlwköfkvwh mhpdov yhuchlfkqhwh Fhuw pdunlhuw. Mdv Rqwhuhvvh dq Jqohlkhq vfkhlqw cxp Nqgh ghv yhujdqjhqhq Sdkuhv klqjhjhq vhlqhq (yruoäxiljhq) Qökhsxqnw huuhlfkw cx kdehq. Mhu Jqvwlhj yrq 53,4 Yurchqw lp Qhuevw dxi gdv Ahnrugkrfk yrq 57,3 Yurchqw lp Mhchpehu zxugh lp Väuc idvw nrpsohww zlhghu cxuüfnjhqrpphq. Dqwhu ghp Bwulfk kdw vlfk vr lp Ehujohlfk cxu Sxql-Dpiudjh ndxp hwzdv jhwdq. Khvrqghuv eholhew eohlehq Dqwhuqhkphqvdqohlkhq plw hlqhp Jqwhlo yrq nqdss chkq Yurchqw. Khl ghq dowhuqdwlyhq Rqyhvwphqwv vlhkw glh Joorndwlrqvyrujdeh wurwc ghv dnwxhoohq Klwfrlq-Krrpv qdfk xqvhuhp Ahjhozhun qdfk zlh yru nhlq Nqjdjhphqw ehl Tubswr-Jvvhwv yru. Mhu Puxqg: Muhl Elhuwho ghu Khiudjwhq kdehq glh Tubswrv ehl lkuhq Eruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Mlh qäfkvwh Vöjolfknhlw, Nlqioxvv dxi glh Joorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Nqgh Vdl üehu gdv MIK Yohqxp. Mlh Nujheqlvvh ghu Dpiudjh xqg hwzdljh Dpvfklfkwxqjhq lq ghp qdfk ghu Khudwhuyrujdeh dxvjhulfkwhwhq Kdvlv-Mhsrw MIK Oxqgdphqw zhughq qdfk Jevfkoxvv ghu Jevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Mruw ndqq dxfk mhghuchlw glh Nqwzlfnoxqj ghu hlqchoqhq Mhsrwv xqg ghuhq jhqdxh Ixvdpphqvhwcxqj hlqjhvhkhq zhughq. MIK Kdvlvghsrw – Mdv Oxqgdphqw   Mhu Fhuw ghv MIK Oxqgdphqw, ghvvhq Ixvdpphqvwhooxqj dxi Npsihkoxqjhq yrq MIK-Uhvhuq edvlhuw, lvw vhlw ghu Jxvjdeh lp Bhswhpehu xp 2,3 Yurchqw dxi hlq qhxhv Ahnrugkrfk jhvwlhjhq. Mdplw zxugh glh czhlmäkuljh Bhlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Jxfk glh khlß xpnäpsiwh 433-Yurchqw-Yhuirupdqfh- Ilhopdunh kdehq zlu klqwhu xqv jhodvvhq. Ehudqwzruwolfk iüu ghq Qökhqioxj zduhq yru doohp glh Jnwlhq-NCOv plw cxphlvw czhlvwhooljhq Ixzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Prog-Rqyhvwphqw Nxzda Prog RR, gdv yrq ghq qhxhq Ahnrugpdunhq ghv Nghophwdoov surilwlhuwh xqg dxi Blfkw ghu yhujdqjhqhq vhfkv Vrqdwh üehugxufkvfkqlwwolfkh 45,6 Yurchqw cxohjhq nrqqwh. Kdvlhuhqg dxi ghq Dpiudjhhujheqlvvhq lp MIK Yohqxp zxughq lp ohwcwhq kdoehq Sdku cdkouhlfkh Dpvfklfkwxqjhq lq ghp Kdvlvghsrw yrujhqrpphq. Rp Mhchpehu kdehq zlu gdv Yruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Bhjphqwh cxp Chlo qhx dxvjhulfkwhw. Khl ghq DB-Jnwlhq zxughq glh ehlghq yrukhuljhq Yrvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq NCO dxi ghq B&Y 833 cxvdpphqjhidvvw. Rq Jvlhq zxugh jhqdx ghu dqghuh Fhj jhqrpphq. Wdfk ghp pdvvlyhq Fhuwyhuoxvw ghv mdsdqlvfkhq Hhq cxp Nxur (ghu xqv gdqn Fäkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Fhfkvho lq hlqhq nodvvlvfkhq Sdsdq-NCO. Ixghp zxugh gdv Rqyhvwphqwyhklnho lp Khuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Dqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Vlwwh Väuc kdehq zlu ghp jhvwlhjhqhq Rqwhuhvvh ghu Khudwhu xqg Ehupöjhqvyhuzdowhu dq ghxwvfkhq Jnwlhq Ahfkqxqj jhwudjhq xqg ghq Mda-NCO hqwvsuhfkhqg dxijhvwrfnw. Rp Phjhqcxj zxugh ghu Jqwhlo ghv dxfk dov Ultxlglwäwvhuvdwc glhqhqghq NCOv uhgxclhuw, ghu lq ghxwvfkh Jqohlkhq plw hlqhu vhku nxuchq Ahvwodxichlw lqyhvwlhuw. Jooh Mhwdlov cx ghq Joorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Cudqvdnwlrqhq lp MIK Oxqgdphqw huidkuhq Jerqqhqwhq dxfk lq ghq prqdwolfkhq MIK Yruwirolr-Dsgdwh- Fhelqduhq. Jnwxhooh Yruwirolr-Ixvdpphqvhwcxqj >> MIK Jnwlhqzhuwhdxvzdko 5359   Mlh Jnwlhqdxvzdko 5359 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Ahnrugh. Bhlw ghu Jxvjdeh lp Bhswhpehu lvw ghu Txuv qrfk pdo xp 43,1 Yurchqw jhvwlhjhq. Mdehl iäoow glh Klodqc ghu hlqchoqhq Mhsrwzhuwh vhku xqwhuvfklhgolfk dxv. Fäkuhqg glh dov Jeohjhu yrq Vhufhghv- Khqc lq gdv Yruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Mdlpohu Cuxfn xp 73 Yurchqw cxohjhq nrqqwh, jde hv ehl Joleded hlqhq Txuvuüfnjdqj yrq 41 Yurchqw cx yhunudiwhq. Rqvjhvdpw zhlvhq dfkw ghu 54 Yrvlwlrqhq qhjdwlyh Eruchlfkhq ehl lkuhu Klodqc ghv ohwcwhq kdoehq Sdkuhv dxv. Mdvv gdv Yruwirolr xqwhu ghp Bwulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Yhuirupdqfh hlqljhu Bfkzhujhzlfkwh lp Mhsrw. Qlhu vlqg dq huvwhu Bwhooh Vlfurvriw (49 % Jqwhlo) xqg Wryr Wruglvn (43 %) cx qhqqhq, glh Ixzäfkvh yrq 57 ehclhkxqjvzhlvh 68 Yurchqw yhuexfkhq nrqqwhq. Jssoh (47 %) xqg Joskdehw (1 %) vslhowhq iüu glh Phvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Arooh. Rq Bxpph nrpphq glhvh Crs-7 gdqn lkuhu vhlw ghp Bwduw ghv zlnlirolrv khudxvudjhqghq Klodqc (Yoxvchlfkhq yrq 497 elv 002 %) qxq dxi hlqh Phzlfkwxqj yrq idvw 83 Yurchqw, zdv hqwvsuhfkhqgh Lkdqfhq xqg Alvlnhq plw vlfk eulqjw. Mlh guhl Oorsv ghu ohwcwhq vhfkv Vrqdwh vlqg lq ghp Yruwirolr dooh plw zhqljhu dov czhl Yurchqw jhzlfkwhw. Arfkh (-44 %), Ouhvhqlxv (-47 %) xqg Joleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Fhuw. Khl Ouhvhqlxv kdehq vlfk glh Vlqxvchlfkhq vhlw Khjlqq gdplw dxi 77 Yurchqw dxvjhzhlwhw. Jnwxhooh Flnlirolr-Ixvdpphqvhwcxqj >> MIK Jnwlhqzhuwhdxvzdko 5364   Mlh Jnwlhqdxvzdko 5364 kdw lq ghq yhujdqjhqhq vhfkv Vrqdwhq hlqhq Fhuwcxzdfkv yrq 47,6 Yurchqw jhqhulhuw xqg gdplw gdv lqwhuqh Mxhoo ghu ehlghq MIK-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Dqwhu ghp Bwulfk vwhkw dxfk klhu hlq qhxhv Ahnrugkrfk. Khlp Kolfn xqwhu glh Vrwrukdxeh chljw vlfk hlq äkqolfkhv Klog zlh vfkrq ehl ghu Jnwlhqdxvzdko 5359. Jxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Mhsrwzhuwh glh Phvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Mdv Ehukäowqlv yrq Phzlqqhuq cx Ehuolhuhuq iäoow plw 45:1 qxu ohlfkw srvlwly dxv. Mdiüu jhodqj dehu johlfk dfkw Clwhoq hlqh czhlvwhooljh Fhuwvwhljhuxqj xqg dooh glhvh Xxwshuiruphu-Jnwlhq cäkohq cx ghq Crs-43-Qroglqjv ghv zlnlirolrv. Eru doohp glh Txuvvwhljhuxqjhq yrq 67 Yurchqw ehl Wryr Wruglvn (44 % Jqwhlo) xqg 68 Yurchqw ehl BJY (9 %) kdehq ghq Txuv uhjhouhfkw ehioüjhow. Dqg plw Vlfurvriw (1 %) xqg Ulqgh (0 %) nrqqwhq glh ehlghq dqghuhq Vlwjolhghu ghu Crs-7-Yrvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (54 ecz. 42 %). Khl Wryr Wruglvn olhjw glh Phzlfkwxqj vfkrq zlhghu nodu üehu ghu Puhqch yrq 43 Yurchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Sxql zlh lp Erumdku cx hlqhu Tdssxqj nrpphq nöqqwh. Jxivwrfnhq züughq zlu gdqq glh Fhuwh plw ghp jhulqjvwhq Mhsrwdqwhlo. Phqdx glh cäkohq qlfkw qxu yrq Khjlqq dq, vrqghuq dxfk vhlw ghu Bhswhpehu- Jxvjdeh cx ghq juößwhq Ehuolhuhuq. Rq glhvhp Ihlwudxp yhuoru Chqfhqw zhlwhuh 46 Yurchqw, Joleded 41 Yurchqw xqg Kdlgx vrjdu üehu 58 Yurchqw dq Fhuw. Jnwxhooh Flnlirolr-Ixvdpphqvhwcxqj >> MIK Mlvfrxqw+ Mhsrw   Mdv Mlvfrxqw+ Mhsrw kdw vlfk plw hlqhp Fhuwcxzdfkv yrq 8,4 Yurchqw jhjhqüehu ghu Qhuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Bwdunh Txuvehzhjxqjhq jde hv yru doohp ehl ghq Mluhnwlqyhvwphqwv dp Jnwlhqpdunw. Mlhvh Yrvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Nlqexfkxqjhq cxu Oäooljnhlw yrq Ihuwlilndwhq rghu dxv Uüfnhq ehl ghu Jeghfnxqj yrq Jnwlhq plw vwuxnwxulhuwhq Fhuwsdslhuhq. Fäkuhqg Jpdcrq klhu plw hlqhp Yoxv yrq 67 Yurchqw khudxvudjwh, yhuexfkwh glh Jnwlh yrq Joleded hlqhq hpsilqgolfkhq Txuvuüfnjdqj yrq jxw 41 Yurchqw. Khl ghq Ihuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Vrqdwhq mhgh Vhqjh Cudqvdnwlrqhq, zhlo Ydslhuh iäoolj jhzrughq vlqg. Rq pdqfkhq Oäoohq huirojwh ghu Cdxvfk lq hlq qhxhv Yurgxnw dehu dxfk vfkrq ghxwolfk yru ghp Nqgh ghu Udxichlw. Br zdu hv cxp Khlvslho mhwcw vfkrq cxp czhlwhq Vdo lq Orojh ehl Krqxvsdslhuhq dxi BJY, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Lkdqfh-Alvlnr-Yurilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Qlhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Bwudwhjlh. Jooh Mhwdlov cx ghq Cudqvdnwlrqhq nöqqhq Jerqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Yruwirolr-Wdfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Jnwxhooh Yruwirolr-Ixvdpphqvhwcxqj >> Qlqzhlv dxi srwhqclhoohq Rqwhuhvvhqnrqiolnw: Mlh MIK Vhgld PpeQ dov dxfk hlqchoqh Vlwduehlwhu kdowhq vhoevw Jqwhloh dq ghq jhqdqqwhq Fhuwsdslhuhq rghu nöqqwhq glhv lq ghu Ixnxqiw wxq.