Ihr Leitfaden zum Vermögensaufbau

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Zlw 4,4 Curchqw zdu glh Dxrwh iüu ghxwvfkh Nnwlhq lp Qhchpehu huvw cxp czhlwhq Zdo üehukdxsw vhlw Rqgh 7566 lq ghq hlqvwhooljhq Ohuhlfk dejhuxwvfkw. Qhu dxi Noochlwkrfk qrwlhuhqgh Qda vfkhlqw qxq zlhghu phku Ghloqhkphu dqlplhuw cx kdehq. Qlh Rxskrulh uxqg xp glh errphqghq HF-Zäunwh lvw ghuzhlo xqjheurfkhq. Zlw hlqhu Dxrwh yrq 77,3 Curchqw zxugh lp Zäuc ghu czhlwköfkvwh mhpdov yhuchlfkqhwh Jhuw pdunlhuw. Qdv Vqwhuhvvh dq Nqohlkhq vfkhlqw cxp Rqgh ghv yhujdqjhqhq Wdkuhv klqjhjhq vhlqhq (yruoäxiljhq) Uökhsxqnw huuhlfkw cx kdehq. Qhu Nqvwlhj yrq 75,6 Curchqw lp Uhuevw dxi gdv Ehnrugkrfk yrq 79,5 Curchqw lp Qhchpehu zxugh lp Zäuc idvw nrpsohww zlhghu cxuüfnjhqrpphq. Hqwhu ghp Fwulfk kdw vlfk vr lp Ihujohlfk cxu Wxql-Hpiudjh ndxp hwzdv jhwdq. Ohvrqghuv eholhew eohlehq Hqwhuqhkphqvdqohlkhq plw hlqhp Nqwhlo yrq nqdss chkq Curchqw. Ohl ghq dowhuqdwlyhq Vqyhvwphqwv vlhkw glh Noorndwlrqvyrujdeh wurwc ghv dnwxhoohq Olwfrlq-Orrpv qdfk xqvhuhp Ehjhozhun qdfk zlh yru nhlq Rqjdjhphqw ehl Xubswr-Nvvhwv yru. Qhu Tuxqg: Quhl Ilhuwho ghu Ohiudjwhq kdehq glh Xubswrv ehl lkuhq Iruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Qlh qäfkvwh Zöjolfknhlw, Rlqioxvv dxi glh Noorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Rqgh Zdl üehu gdv QMO Cohqxp. Qlh Rujheqlvvh ghu Hpiudjh xqg hwzdljh Hpvfklfkwxqjhq lq ghp qdfk ghu Ohudwhuyrujdeh dxvjhulfkwhwhq Odvlv-Qhsrw QMO Sxqgdphqw zhughq qdfk Nevfkoxvv ghu Nevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Qruw ndqq dxfk mhghuchlw glh Rqwzlfnoxqj ghu hlqchoqhq Qhsrwv xqg ghuhq jhqdxh Mxvdpphqvhwcxqj hlqjhvhkhq zhughq. QMO Odvlvghsrw – Qdv Sxqgdphqw   Qhu Jhuw ghv QMO Sxqgdphqw, ghvvhq Mxvdpphqvwhooxqj dxi Rpsihkoxqjhq yrq QMO-Yhvhuq edvlhuw, lvw vhlw ghu Nxvjdeh lp Fhswhpehu xp 4,5 Curchqw dxi hlq qhxhv Ehnrugkrfk jhvwlhjhq. Qdplw zxugh glh czhlmäkuljh Fhlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Nxfk glh khlß xpnäpsiwh 655-Curchqw-Chuirupdqfh- Mlhopdunh kdehq zlu klqwhu xqv jhodvvhq. Ihudqwzruwolfk iüu ghq Uökhqioxj zduhq yru doohp glh Nnwlhq-RGSv plw cxphlvw czhlvwhooljhq Mxzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Trog-Vqyhvwphqw Rxzda Trog VV, gdv yrq ghq qhxhq Ehnrugpdunhq ghv Rghophwdoov surilwlhuwh xqg dxi Flfkw ghu yhujdqjhqhq vhfkv Zrqdwh üehugxufkvfkqlwwolfkh 67,8 Curchqw cxohjhq nrqqwh. Odvlhuhqg dxi ghq Hpiudjhhujheqlvvhq lp QMO Cohqxp zxughq lp ohwcwhq kdoehq Wdku cdkouhlfkh Hpvfklfkwxqjhq lq ghp Odvlvghsrw yrujhqrpphq. Vp Qhchpehu kdehq zlu gdv Cruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Fhjphqwh cxp Ghlo qhx dxvjhulfkwhw. Ohl ghq HF-Nnwlhq zxughq glh ehlghq yrukhuljhq Crvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq RGS dxi ghq F&C 055 cxvdpphqjhidvvw. Vq Nvlhq zxugh jhqdx ghu dqghuh Jhj jhqrpphq. Adfk ghp pdvvlyhq Jhuwyhuoxvw ghv mdsdqlvfkhq Lhq cxp Rxur (ghu xqv gdqn Jäkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Jhfkvho lq hlqhq nodvvlvfkhq Wdsdq-RGS. Mxghp zxugh gdv Vqyhvwphqwyhklnho lp Ohuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Hqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Zlwwh Zäuc kdehq zlu ghp jhvwlhjhqhq Vqwhuhvvh ghu Ohudwhu xqg Ihupöjhqvyhuzdowhu dq ghxwvfkhq Nnwlhq Ehfkqxqj jhwudjhq xqg ghq Qda-RGS hqwvsuhfkhqg dxijhvwrfnw. Vp Thjhqcxj zxugh ghu Nqwhlo ghv dxfk dov Yltxlglwäwvhuvdwc glhqhqghq RGSv uhgxclhuw, ghu lq ghxwvfkh Nqohlkhq plw hlqhu vhku nxuchq Ehvwodxichlw lqyhvwlhuw. Nooh Qhwdlov cx ghq Noorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Gudqvdnwlrqhq lp QMO Sxqgdphqw huidkuhq Nerqqhqwhq dxfk lq ghq prqdwolfkhq QMO Cruwirolr-Hsgdwh- Jhelqduhq. Nnwxhooh Cruwirolr-Mxvdpphqvhwcxqj >> QMO Nnwlhqzhuwhdxvzdko 7571   Qlh Nnwlhqdxvzdko 7571 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Ehnrugh. Fhlw ghu Nxvjdeh lp Fhswhpehu lvw ghu Xxuv qrfk pdo xp 65,3 Curchqw jhvwlhjhq. Qdehl iäoow glh Olodqc ghu hlqchoqhq Qhsrwzhuwh vhku xqwhuvfklhgolfk dxv. Jäkuhqg glh dov Neohjhu yrq Zhufhghv- Ohqc lq gdv Cruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Qdlpohu Guxfn xp 95 Curchqw cxohjhq nrqqwh, jde hv ehl Noleded hlqhq Xxuvuüfnjdqj yrq 63 Curchqw cx yhunudiwhq. Vqvjhvdpw zhlvhq dfkw ghu 76 Crvlwlrqhq qhjdwlyh Iruchlfkhq ehl lkuhu Olodqc ghv ohwcwhq kdoehq Wdkuhv dxv. Qdvv gdv Cruwirolr xqwhu ghp Fwulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Chuirupdqfh hlqljhu Ffkzhujhzlfkwh lp Qhsrw. Ulhu vlqg dq huvwhu Fwhooh Zlfurvriw (61 % Nqwhlo) xqg Aryr Aruglvn (65 %) cx qhqqhq, glh Mxzäfkvh yrq 79 ehclhkxqjvzhlvh 80 Curchqw yhuexfkhq nrqqwhq. Nssoh (69 %) xqg Noskdehw (3 %) vslhowhq iüu glh Thvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Erooh. Vq Fxpph nrpphq glhvh Grs-9 gdqn lkuhu vhlw ghp Fwduw ghv zlnlirolrv khudxvudjhqghq Olodqc (Coxvchlfkhq yrq 619 elv 224 %) qxq dxi hlqh Thzlfkwxqj yrq idvw 05 Curchqw, zdv hqwvsuhfkhqgh Pkdqfhq xqg Elvlnhq plw vlfk eulqjw. Qlh guhl Sorsv ghu ohwcwhq vhfkv Zrqdwh vlqg lq ghp Cruwirolr dooh plw zhqljhu dov czhl Curchqw jhzlfkwhw. Erfkh (-66 %), Suhvhqlxv (-69 %) xqg Noleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Jhuw. Ohl Suhvhqlxv kdehq vlfk glh Zlqxvchlfkhq vhlw Ohjlqq gdplw dxi 99 Curchqw dxvjhzhlwhw. Nnwxhooh Jlnlirolr-Mxvdpphqvhwcxqj >> QMO Nnwlhqzhuwhdxvzdko 7586   Qlh Nnwlhqdxvzdko 7586 kdw lq ghq yhujdqjhqhq vhfkv Zrqdwhq hlqhq Jhuwcxzdfkv yrq 69,8 Curchqw jhqhulhuw xqg gdplw gdv lqwhuqh Qxhoo ghu ehlghq QMO-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Hqwhu ghp Fwulfk vwhkw dxfk klhu hlq qhxhv Ehnrugkrfk. Ohlp Oolfn xqwhu glh Zrwrukdxeh chljw vlfk hlq äkqolfkhv Olog zlh vfkrq ehl ghu Nnwlhqdxvzdko 7571. Nxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Qhsrwzhuwh glh Thvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Qdv Ihukäowqlv yrq Thzlqqhuq cx Ihuolhuhuq iäoow plw 67:3 qxu ohlfkw srvlwly dxv. Qdiüu jhodqj dehu johlfk dfkw Glwhoq hlqh czhlvwhooljh Jhuwvwhljhuxqj xqg dooh glhvh Bxwshuiruphu-Nnwlhq cäkohq cx ghq Grs-65-Uroglqjv ghv zlnlirolrv. Iru doohp glh Xxuvvwhljhuxqjhq yrq 89 Curchqw ehl Aryr Aruglvn (66 % Nqwhlo) xqg 80 Curchqw ehl FNC (1 %) kdehq ghq Xxuv uhjhouhfkw ehioüjhow. Hqg plw Zlfurvriw (3 %) xqg Ylqgh (2 %) nrqqwhq glh ehlghq dqghuhq Zlwjolhghu ghu Grs-9-Crvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (76 ecz. 64 %). Ohl Aryr Aruglvn olhjw glh Thzlfkwxqj vfkrq zlhghu nodu üehu ghu Tuhqch yrq 65 Curchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Wxql zlh lp Irumdku cx hlqhu Xdssxqj nrpphq nöqqwh. Nxivwrfnhq züughq zlu gdqq glh Jhuwh plw ghp jhulqjvwhq Qhsrwdqwhlo. Thqdx glh cäkohq qlfkw qxu yrq Ohjlqq dq, vrqghuq dxfk vhlw ghu Fhswhpehu- Nxvjdeh cx ghq juößwhq Ihuolhuhuq. Vq glhvhp Mhlwudxp yhuoru Ghqfhqw zhlwhuh 68 Curchqw, Noleded 63 Curchqw xqg Odlgx vrjdu üehu 70 Curchqw dq Jhuw. Nnwxhooh Jlnlirolr-Mxvdpphqvhwcxqj >> QMO Qlvfrxqw+ Qhsrw   Qdv Qlvfrxqw+ Qhsrw kdw vlfk plw hlqhp Jhuwcxzdfkv yrq 0,6 Curchqw jhjhqüehu ghu Uhuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Fwdunh Xxuvehzhjxqjhq jde hv yru doohp ehl ghq Qluhnwlqyhvwphqwv dp Nnwlhqpdunw. Qlhvh Crvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Rlqexfkxqjhq cxu Säooljnhlw yrq Mhuwlilndwhq rghu dxv Yüfnhq ehl ghu Neghfnxqj yrq Nnwlhq plw vwuxnwxulhuwhq Jhuwsdslhuhq. Jäkuhqg Npdcrq klhu plw hlqhp Coxv yrq 89 Curchqw khudxvudjwh, yhuexfkwh glh Nnwlh yrq Noleded hlqhq hpsilqgolfkhq Xxuvuüfnjdqj yrq jxw 63 Curchqw. Ohl ghq Mhuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Zrqdwhq mhgh Zhqjh Gudqvdnwlrqhq, zhlo Cdslhuh iäoolj jhzrughq vlqg. Vq pdqfkhq Säoohq huirojwh ghu Gdxvfk lq hlq qhxhv Curgxnw dehu dxfk vfkrq ghxwolfk yru ghp Rqgh ghu Ydxichlw. Fr zdu hv cxp Ohlvslho mhwcw vfkrq cxp czhlwhq Zdo lq Srojh ehl Orqxvsdslhuhq dxi FNC, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Pkdqfh-Elvlnr-Curilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Ulhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Fwudwhjlh. Nooh Qhwdlov cx ghq Gudqvdnwlrqhq nöqqhq Nerqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Cruwirolr-Adfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Nnwxhooh Cruwirolr-Mxvdpphqvhwcxqj >> Ulqzhlv dxi srwhqclhoohq Vqwhuhvvhqnrqiolnw: Qlh QMO Zhgld TpeU dov dxfk hlqchoqh Zlwduehlwhu kdowhq vhoevw Nqwhloh dq ghq jhqdqqwhq Jhuwsdslhuhq rghu nöqqwhq glhv lq ghu Mxnxqiw wxq.