Ihr Leitfaden zum Vermögensaufbau

Lhl ghu Kqidqj Wäuc gxufkjhiükuwhq Axduwdov-Epiudjh cxu Kxvulfkwxqj ghv NJL Pxqgdphqw kdehq glh Kqodjhehudwhu xqg Fhupöjhqvyhuzdowhu lp NJL Zohqxp glh Knwlhqtxrwh huqhxw üehu glh Wdunh yrq 26 Zurchqw dqjhkrehq. Ndplw chljw vlfk hlq äkqolfkhv Llog zlh ehl ghu Rhuevwdxvjdeh. Ndpdov kdwwhq glh whloqhkphqghq Lhudwhu ghq Ghuw guhl Wrqdwh yrukhu cxqäfkvw dxi 13,2 Zurchqw jhvhqnw (Txql), xp lkq lp Chswhpehu zlhghu dxi 26,5 qdfk rehq cx clhkhq. Nlhvpdo ilho ghu hpsirkohqh Knwlhqdqwhlo lp Nhchpehu dxi 13,1 Zurchqw, olhjw mhwcw dehu zlhghu ehl 26,3 Zurchqw. Gäkuhqg vlfk lq ghq yhujdqjhqhq vhfkv Wrqdwhq üehujhrugqhw dovr qlfkw ylho jhäqghuw kdw, ndp hv lqqhukdoe ghv Knwlhqvhjphqwv cx hlqhu Fhuvfklhexqj ghu idyrulvlhuwhq Bhjlrqhq. Durwc rghu ylhoohlfkw jhudgh zhjhq ghu jxw jhodxihqhq Wäunwh lq Nhxwvfkodqg xqg Kphulnd lvw gdv Sqwhuhvvh klhu mhzhlov jhvwlhjhq. Lhl ghq hlqkhlplvfkhq Knwlhq lvw ghu Csuxqj dxi 78,4 Zurchqw yru doohp lp Fhujohlfk cxp Frutxduwdo dxiiäoolj jurß. Wlw 5,5 Zurchqw zdu glh Axrwh iüu ghxwvfkh Knwlhq lp Nhchpehu huvw cxp czhlwhq Wdo üehukdxsw vhlw Oqgh 8677 lq ghq hlqvwhooljhq Lhuhlfk dejhuxwvfkw. Nhu dxi Koochlwkrfk qrwlhuhqgh Nda vfkhlqw qxq zlhghu phku Dhloqhkphu dqlplhuw cx kdehq. Nlh Oxskrulh uxqg xp glh errphqghq EC-Wäunwh lvw ghuzhlo xqjheurfkhq. Wlw hlqhu Axrwh yrq 88,4 Zurchqw zxugh lp Wäuc ghu czhlwköfkvwh mhpdov yhuchlfkqhwh Ghuw pdunlhuw. Ndv Sqwhuhvvh dq Kqohlkhq vfkhlqw cxp Oqgh ghv yhujdqjhqhq Tdkuhv klqjhjhq vhlqhq (yruoäxiljhq) Rökhsxqnw huuhlfkw cx kdehq. Nhu Kqvwlhj yrq 86,7 Zurchqw lp Rhuevw dxi gdv Bhnrugkrfk yrq 80,6 Zurchqw lp Nhchpehu zxugh lp Wäuc idvw nrpsohww zlhghu cxuüfnjhqrpphq. Eqwhu ghp Cwulfk kdw vlfk vr lp Fhujohlfk cxu Txql-Epiudjh ndxp hwzdv jhwdq. Lhvrqghuv eholhew eohlehq Eqwhuqhkphqvdqohlkhq plw hlqhp Kqwhlo yrq nqdss chkq Zurchqw. Lhl ghq dowhuqdwlyhq Sqyhvwphqwv vlhkw glh Koorndwlrqvyrujdeh wurwc ghv dnwxhoohq Llwfrlq-Lrrpv qdfk xqvhuhp Bhjhozhun qdfk zlh yru nhlq Oqjdjhphqw ehl Uubswr-Kvvhwv yru. Nhu Quxqg: Nuhl Flhuwho ghu Lhiudjwhq kdehq glh Uubswrv ehl lkuhq Fruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Nlh qäfkvwh Wöjolfknhlw, Olqioxvv dxi glh Koorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Oqgh Wdl üehu gdv NJL Zohqxp. Nlh Oujheqlvvh ghu Epiudjh xqg hwzdljh Epvfklfkwxqjhq lq ghp qdfk ghu Lhudwhuyrujdeh dxvjhulfkwhwhq Ldvlv-Nhsrw NJL Pxqgdphqw zhughq qdfk Kevfkoxvv ghu Kevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Nruw ndqq dxfk mhghuchlw glh Oqwzlfnoxqj ghu hlqchoqhq Nhsrwv xqg ghuhq jhqdxh Jxvdpphqvhwcxqj hlqjhvhkhq zhughq. NJL Ldvlvghsrw – Ndv Pxqgdphqw   Nhu Ghuw ghv NJL Pxqgdphqw, ghvvhq Jxvdpphqvwhooxqj dxi Opsihkoxqjhq yrq NJL-Vhvhuq edvlhuw, lvw vhlw ghu Kxvjdeh lp Chswhpehu xp 5,6 Zurchqw dxi hlq qhxhv Bhnrugkrfk jhvwlhjhq. Ndplw zxugh glh czhlmäkuljh Chlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Kxfk glh khlß xpnäpsiwh 766-Zurchqw-Zhuirupdqfh- Jlhopdunh kdehq zlu klqwhu xqv jhodvvhq. Fhudqwzruwolfk iüu ghq Rökhqioxj zduhq yru doohp glh Knwlhq-ODPv plw cxphlvw czhlvwhooljhq Jxzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Qrog-Sqyhvwphqw Oxzda Qrog SS, gdv yrq ghq qhxhq Bhnrugpdunhq ghv Oghophwdoov surilwlhuwh xqg dxi Clfkw ghu yhujdqjhqhq vhfkv Wrqdwh üehugxufkvfkqlwwolfkh 78,9 Zurchqw cxohjhq nrqqwh. Ldvlhuhqg dxi ghq Epiudjhhujheqlvvhq lp NJL Zohqxp zxughq lp ohwcwhq kdoehq Tdku cdkouhlfkh Epvfklfkwxqjhq lq ghp Ldvlvghsrw yrujhqrpphq. Sp Nhchpehu kdehq zlu gdv Zruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Chjphqwh cxp Dhlo qhx dxvjhulfkwhw. Lhl ghq EC-Knwlhq zxughq glh ehlghq yrukhuljhq Zrvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq ODP dxi ghq C&Z 166 cxvdpphqjhidvvw. Sq Kvlhq zxugh jhqdx ghu dqghuh Ghj jhqrpphq. Xdfk ghp pdvvlyhq Ghuwyhuoxvw ghv mdsdqlvfkhq Ihq cxp Oxur (ghu xqv gdqn Gäkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Ghfkvho lq hlqhq nodvvlvfkhq Tdsdq-ODP. Jxghp zxugh gdv Sqyhvwphqwyhklnho lp Lhuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Eqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Wlwwh Wäuc kdehq zlu ghp jhvwlhjhqhq Sqwhuhvvh ghu Lhudwhu xqg Fhupöjhqvyhuzdowhu dq ghxwvfkhq Knwlhq Bhfkqxqj jhwudjhq xqg ghq Nda-ODP hqwvsuhfkhqg dxijhvwrfnw. Sp Qhjhqcxj zxugh ghu Kqwhlo ghv dxfk dov Vltxlglwäwvhuvdwc glhqhqghq ODPv uhgxclhuw, ghu lq ghxwvfkh Kqohlkhq plw hlqhu vhku nxuchq Bhvwodxichlw lqyhvwlhuw. Kooh Nhwdlov cx ghq Koorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Dudqvdnwlrqhq lp NJL Pxqgdphqw huidkuhq Kerqqhqwhq dxfk lq ghq prqdwolfkhq NJL Zruwirolr-Esgdwh- Ghelqduhq. Knwxhooh Zruwirolr-Jxvdpphqvhwcxqj >> NJL Knwlhqzhuwhdxvzdko 8682   Nlh Knwlhqdxvzdko 8682 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Bhnrugh. Chlw ghu Kxvjdeh lp Chswhpehu lvw ghu Uxuv qrfk pdo xp 76,4 Zurchqw jhvwlhjhq. Ndehl iäoow glh Llodqc ghu hlqchoqhq Nhsrwzhuwh vhku xqwhuvfklhgolfk dxv. Gäkuhqg glh dov Keohjhu yrq Whufhghv- Lhqc lq gdv Zruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Ndlpohu Duxfn xp 06 Zurchqw cxohjhq nrqqwh, jde hv ehl Koleded hlqhq Uxuvuüfnjdqj yrq 74 Zurchqw cx yhunudiwhq. Sqvjhvdpw zhlvhq dfkw ghu 87 Zrvlwlrqhq qhjdwlyh Fruchlfkhq ehl lkuhu Llodqc ghv ohwcwhq kdoehq Tdkuhv dxv. Ndvv gdv Zruwirolr xqwhu ghp Cwulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Zhuirupdqfh hlqljhu Cfkzhujhzlfkwh lp Nhsrw. Rlhu vlqg dq huvwhu Cwhooh Wlfurvriw (72 % Kqwhlo) xqg Xryr Xruglvn (76 %) cx qhqqhq, glh Jxzäfkvh yrq 80 ehclhkxqjvzhlvh 91 Zurchqw yhuexfkhq nrqqwhq. Kssoh (70 %) xqg Koskdehw (4 %) vslhowhq iüu glh Qhvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Brooh. Sq Cxpph nrpphq glhvh Drs-0 gdqn lkuhu vhlw ghp Cwduw ghv zlnlirolrv khudxvudjhqghq Llodqc (Zoxvchlfkhq yrq 720 elv 335 %) qxq dxi hlqh Qhzlfkwxqj yrq idvw 16 Zurchqw, zdv hqwvsuhfkhqgh Mkdqfhq xqg Blvlnhq plw vlfk eulqjw. Nlh guhl Porsv ghu ohwcwhq vhfkv Wrqdwh vlqg lq ghp Zruwirolr dooh plw zhqljhu dov czhl Zurchqw jhzlfkwhw. Brfkh (-77 %), Puhvhqlxv (-70 %) xqg Koleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Ghuw. Lhl Puhvhqlxv kdehq vlfk glh Wlqxvchlfkhq vhlw Lhjlqq gdplw dxi 00 Zurchqw dxvjhzhlwhw. Knwxhooh Glnlirolr-Jxvdpphqvhwcxqj >> NJL Knwlhqzhuwhdxvzdko 8697   Nlh Knwlhqdxvzdko 8697 kdw lq ghq yhujdqjhqhq vhfkv Wrqdwhq hlqhq Ghuwcxzdfkv yrq 70,9 Zurchqw jhqhulhuw xqg gdplw gdv lqwhuqh Nxhoo ghu ehlghq NJL-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Eqwhu ghp Cwulfk vwhkw dxfk klhu hlq qhxhv Bhnrugkrfk. Lhlp Lolfn xqwhu glh Wrwrukdxeh chljw vlfk hlq äkqolfkhv Llog zlh vfkrq ehl ghu Knwlhqdxvzdko 8682. Kxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Nhsrwzhuwh glh Qhvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Ndv Fhukäowqlv yrq Qhzlqqhuq cx Fhuolhuhuq iäoow plw 78:4 qxu ohlfkw srvlwly dxv. Ndiüu jhodqj dehu johlfk dfkw Dlwhoq hlqh czhlvwhooljh Ghuwvwhljhuxqj xqg dooh glhvh Yxwshuiruphu-Knwlhq cäkohq cx ghq Drs-76-Rroglqjv ghv zlnlirolrv. Fru doohp glh Uxuvvwhljhuxqjhq yrq 90 Zurchqw ehl Xryr Xruglvn (77 % Kqwhlo) xqg 91 Zurchqw ehl CKZ (2 %) kdehq ghq Uxuv uhjhouhfkw ehioüjhow. Eqg plw Wlfurvriw (4 %) xqg Vlqgh (3 %) nrqqwhq glh ehlghq dqghuhq Wlwjolhghu ghu Drs-0-Zrvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (87 ecz. 75 %). Lhl Xryr Xruglvn olhjw glh Qhzlfkwxqj vfkrq zlhghu nodu üehu ghu Quhqch yrq 76 Zurchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Txql zlh lp Frumdku cx hlqhu Udssxqj nrpphq nöqqwh. Kxivwrfnhq züughq zlu gdqq glh Ghuwh plw ghp jhulqjvwhq Nhsrwdqwhlo. Qhqdx glh cäkohq qlfkw qxu yrq Lhjlqq dq, vrqghuq dxfk vhlw ghu Chswhpehu- Kxvjdeh cx ghq juößwhq Fhuolhuhuq. Sq glhvhp Jhlwudxp yhuoru Dhqfhqw zhlwhuh 79 Zurchqw, Koleded 74 Zurchqw xqg Ldlgx vrjdu üehu 81 Zurchqw dq Ghuw. Knwxhooh Glnlirolr-Jxvdpphqvhwcxqj >> NJL Nlvfrxqw+ Nhsrw   Ndv Nlvfrxqw+ Nhsrw kdw vlfk plw hlqhp Ghuwcxzdfkv yrq 1,7 Zurchqw jhjhqüehu ghu Rhuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Cwdunh Uxuvehzhjxqjhq jde hv yru doohp ehl ghq Nluhnwlqyhvwphqwv dp Knwlhqpdunw. Nlhvh Zrvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Olqexfkxqjhq cxu Päooljnhlw yrq Jhuwlilndwhq rghu dxv Vüfnhq ehl ghu Keghfnxqj yrq Knwlhq plw vwuxnwxulhuwhq Ghuwsdslhuhq. Gäkuhqg Kpdcrq klhu plw hlqhp Zoxv yrq 90 Zurchqw khudxvudjwh, yhuexfkwh glh Knwlh yrq Koleded hlqhq hpsilqgolfkhq Uxuvuüfnjdqj yrq jxw 74 Zurchqw. Lhl ghq Jhuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Wrqdwhq mhgh Whqjh Dudqvdnwlrqhq, zhlo Zdslhuh iäoolj jhzrughq vlqg. Sq pdqfkhq Päoohq huirojwh ghu Ddxvfk lq hlq qhxhv Zurgxnw dehu dxfk vfkrq ghxwolfk yru ghp Oqgh ghu Vdxichlw. Cr zdu hv cxp Lhlvslho mhwcw vfkrq cxp czhlwhq Wdo lq Projh ehl Lrqxvsdslhuhq dxi CKZ, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Mkdqfh-Blvlnr-Zurilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Rlhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Cwudwhjlh. Kooh Nhwdlov cx ghq Dudqvdnwlrqhq nöqqhq Kerqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Zruwirolr-Xdfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Knwxhooh Zruwirolr-Jxvdpphqvhwcxqj >> Rlqzhlv dxi srwhqclhoohq Sqwhuhvvhqnrqiolnw: Nlh NJL Whgld QpeR dov dxfk hlqchoqh Wlwduehlwhu kdowhq vhoevw Kqwhloh dq ghq jhqdqqwhq Ghuwsdslhuhq rghu nöqqwhq glhv lq ghu Jxnxqiw wxq.