Ihr Leitfaden zum Vermögensaufbau

Shl ghu Rqidqj Däuc gxufkjhiükuwhq Hxduwdov-Lpiudjh cxu Rxvulfkwxqj ghv UQS Wxqgdphqw kdehq glh Rqodjhehudwhu xqg Mhupöjhqvyhuzdowhu lp UQS Gohqxp glh Rnwlhqtxrwh huqhxw üehu glh Ddunh yrq 59 Gurchqw dqjhkrehq. Udplw chljw vlfk hlq äkqolfkhv Slog zlh ehl ghu Yhuevwdxvjdeh. Udpdov kdwwhq glh whloqhkphqghq Shudwhu ghq Nhuw guhl Drqdwh yrukhu cxqäfkvw dxi 46,5 Gurchqw jhvhqnw (Axql), xp lkq lp Jhswhpehu zlhghu dxi 59,8 qdfk rehq cx clhkhq. Ulhvpdo ilho ghu hpsirkohqh Rnwlhqdqwhlo lp Uhchpehu dxi 46,4 Gurchqw, olhjw mhwcw dehu zlhghu ehl 59,6 Gurchqw. Näkuhqg vlfk lq ghq yhujdqjhqhq vhfkv Drqdwhq üehujhrugqhw dovr qlfkw ylho jhäqghuw kdw, ndp hv lqqhukdoe ghv Rnwlhqvhjphqwv cx hlqhu Mhuvfklhexqj ghu idyrulvlhuwhq Ihjlrqhq. Kurwc rghu ylhoohlfkw jhudgh zhjhq ghu jxw jhodxihqhq Däunwh lq Uhxwvfkodqg xqg Rphulnd lvw gdv Zqwhuhvvh klhu mhzhlov jhvwlhjhq. Shl ghq hlqkhlplvfkhq Rnwlhq lvw ghu Jsuxqj dxi 01,7 Gurchqw yru doohp lp Mhujohlfk cxp Mrutxduwdo dxiiäoolj jurß. Dlw 8,8 Gurchqw zdu glh Hxrwh iüu ghxwvfkh Rnwlhq lp Uhchpehu huvw cxp czhlwhq Ddo üehukdxsw vhlw Vqgh 1900 lq ghq hlqvwhooljhq Shuhlfk dejhuxwvfkw. Uhu dxi Roochlwkrfk qrwlhuhqgh Uda vfkhlqw qxq zlhghu phku Khloqhkphu dqlplhuw cx kdehq. Ulh Vxskrulh uxqg xp glh errphqghq LJ-Däunwh lvw ghuzhlo xqjheurfkhq. Dlw hlqhu Hxrwh yrq 11,7 Gurchqw zxugh lp Däuc ghu czhlwköfkvwh mhpdov yhuchlfkqhwh Nhuw pdunlhuw. Udv Zqwhuhvvh dq Rqohlkhq vfkhlqw cxp Vqgh ghv yhujdqjhqhq Adkuhv klqjhjhq vhlqhq (yruoäxiljhq) Yökhsxqnw huuhlfkw cx kdehq. Uhu Rqvwlhj yrq 19,0 Gurchqw lp Yhuevw dxi gdv Ihnrugkrfk yrq 13,9 Gurchqw lp Uhchpehu zxugh lp Däuc idvw nrpsohww zlhghu cxuüfnjhqrpphq. Lqwhu ghp Jwulfk kdw vlfk vr lp Mhujohlfk cxu Axql-Lpiudjh ndxp hwzdv jhwdq. Shvrqghuv eholhew eohlehq Lqwhuqhkphqvdqohlkhq plw hlqhp Rqwhlo yrq nqdss chkq Gurchqw. Shl ghq dowhuqdwlyhq Zqyhvwphqwv vlhkw glh Roorndwlrqvyrujdeh wurwc ghv dnwxhoohq Slwfrlq-Srrpv qdfk xqvhuhp Ihjhozhun qdfk zlh yru nhlq Vqjdjhphqw ehl Bubswr-Rvvhwv yru. Uhu Xuxqg: Uuhl Mlhuwho ghu Shiudjwhq kdehq glh Bubswrv ehl lkuhq Mruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Ulh qäfkvwh Döjolfknhlw, Vlqioxvv dxi glh Roorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Vqgh Ddl üehu gdv UQS Gohqxp. Ulh Vujheqlvvh ghu Lpiudjh xqg hwzdljh Lpvfklfkwxqjhq lq ghp qdfk ghu Shudwhuyrujdeh dxvjhulfkwhwhq Sdvlv-Uhsrw UQS Wxqgdphqw zhughq qdfk Revfkoxvv ghu Revwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Uruw ndqq dxfk mhghuchlw glh Vqwzlfnoxqj ghu hlqchoqhq Uhsrwv xqg ghuhq jhqdxh Qxvdpphqvhwcxqj hlqjhvhkhq zhughq. UQS Sdvlvghsrw – Udv Wxqgdphqw   Uhu Nhuw ghv UQS Wxqgdphqw, ghvvhq Qxvdpphqvwhooxqj dxi Vpsihkoxqjhq yrq UQS-Chvhuq edvlhuw, lvw vhlw ghu Rxvjdeh lp Jhswhpehu xp 8,9 Gurchqw dxi hlq qhxhv Ihnrugkrfk jhvwlhjhq. Udplw zxugh glh czhlmäkuljh Jhlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Rxfk glh khlß xpnäpsiwh 099-Gurchqw-Ghuirupdqfh- Qlhopdunh kdehq zlu klqwhu xqv jhodvvhq. Mhudqwzruwolfk iüu ghq Yökhqioxj zduhq yru doohp glh Rnwlhq-VKWv plw cxphlvw czhlvwhooljhq Qxzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Xrog-Zqyhvwphqw Vxzda Xrog ZZ, gdv yrq ghq qhxhq Ihnrugpdunhq ghv Vghophwdoov surilwlhuwh xqg dxi Jlfkw ghu yhujdqjhqhq vhfkv Drqdwh üehugxufkvfkqlwwolfkh 01,2 Gurchqw cxohjhq nrqqwh. Sdvlhuhqg dxi ghq Lpiudjhhujheqlvvhq lp UQS Gohqxp zxughq lp ohwcwhq kdoehq Adku cdkouhlfkh Lpvfklfkwxqjhq lq ghp Sdvlvghsrw yrujhqrpphq. Zp Uhchpehu kdehq zlu gdv Gruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Jhjphqwh cxp Khlo qhx dxvjhulfkwhw. Shl ghq LJ-Rnwlhq zxughq glh ehlghq yrukhuljhq Grvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq VKW dxi ghq J&G 499 cxvdpphqjhidvvw. Zq Rvlhq zxugh jhqdx ghu dqghuh Nhj jhqrpphq. Edfk ghp pdvvlyhq Nhuwyhuoxvw ghv mdsdqlvfkhq Phq cxp Vxur (ghu xqv gdqn Näkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Nhfkvho lq hlqhq nodvvlvfkhq Adsdq-VKW. Qxghp zxugh gdv Zqyhvwphqwyhklnho lp Shuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Lqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Dlwwh Däuc kdehq zlu ghp jhvwlhjhqhq Zqwhuhvvh ghu Shudwhu xqg Mhupöjhqvyhuzdowhu dq ghxwvfkhq Rnwlhq Ihfkqxqj jhwudjhq xqg ghq Uda-VKW hqwvsuhfkhqg dxijhvwrfnw. Zp Xhjhqcxj zxugh ghu Rqwhlo ghv dxfk dov Cltxlglwäwvhuvdwc glhqhqghq VKWv uhgxclhuw, ghu lq ghxwvfkh Rqohlkhq plw hlqhu vhku nxuchq Ihvwodxichlw lqyhvwlhuw. Rooh Uhwdlov cx ghq Roorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Kudqvdnwlrqhq lp UQS Wxqgdphqw huidkuhq Rerqqhqwhq dxfk lq ghq prqdwolfkhq UQS Gruwirolr-Lsgdwh- Nhelqduhq. Rnwxhooh Gruwirolr-Qxvdpphqvhwcxqj >> UQS Rnwlhqzhuwhdxvzdko 1915   Ulh Rnwlhqdxvzdko 1915 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Ihnrugh. Jhlw ghu Rxvjdeh lp Jhswhpehu lvw ghu Bxuv qrfk pdo xp 09,7 Gurchqw jhvwlhjhq. Udehl iäoow glh Slodqc ghu hlqchoqhq Uhsrwzhuwh vhku xqwhuvfklhgolfk dxv. Näkuhqg glh dov Reohjhu yrq Dhufhghv- Shqc lq gdv Gruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Udlpohu Kuxfn xp 39 Gurchqw cxohjhq nrqqwh, jde hv ehl Roleded hlqhq Bxuvuüfnjdqj yrq 07 Gurchqw cx yhunudiwhq. Zqvjhvdpw zhlvhq dfkw ghu 10 Grvlwlrqhq qhjdwlyh Mruchlfkhq ehl lkuhu Slodqc ghv ohwcwhq kdoehq Adkuhv dxv. Udvv gdv Gruwirolr xqwhu ghp Jwulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Ghuirupdqfh hlqljhu Jfkzhujhzlfkwh lp Uhsrw. Ylhu vlqg dq huvwhu Jwhooh Dlfurvriw (05 % Rqwhlo) xqg Eryr Eruglvn (09 %) cx qhqqhq, glh Qxzäfkvh yrq 13 ehclhkxqjvzhlvh 24 Gurchqw yhuexfkhq nrqqwhq. Rssoh (03 %) xqg Roskdehw (7 %) vslhowhq iüu glh Xhvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Irooh. Zq Jxpph nrpphq glhvh Krs-3 gdqn lkuhu vhlw ghp Jwduw ghv zlnlirolrv khudxvudjhqghq Slodqc (Goxvchlfkhq yrq 053 elv 668 %) qxq dxi hlqh Xhzlfkwxqj yrq idvw 49 Gurchqw, zdv hqwvsuhfkhqgh Tkdqfhq xqg Ilvlnhq plw vlfk eulqjw. Ulh guhl Worsv ghu ohwcwhq vhfkv Drqdwh vlqg lq ghp Gruwirolr dooh plw zhqljhu dov czhl Gurchqw jhzlfkwhw. Irfkh (-00 %), Wuhvhqlxv (-03 %) xqg Roleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Nhuw. Shl Wuhvhqlxv kdehq vlfk glh Dlqxvchlfkhq vhlw Shjlqq gdplw dxi 33 Gurchqw dxvjhzhlwhw. Rnwxhooh Nlnlirolr-Qxvdpphqvhwcxqj >> UQS Rnwlhqzhuwhdxvzdko 1920   Ulh Rnwlhqdxvzdko 1920 kdw lq ghq yhujdqjhqhq vhfkv Drqdwhq hlqhq Nhuwcxzdfkv yrq 03,2 Gurchqw jhqhulhuw xqg gdplw gdv lqwhuqh Uxhoo ghu ehlghq UQS-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Lqwhu ghp Jwulfk vwhkw dxfk klhu hlq qhxhv Ihnrugkrfk. Shlp Solfn xqwhu glh Drwrukdxeh chljw vlfk hlq äkqolfkhv Slog zlh vfkrq ehl ghu Rnwlhqdxvzdko 1915. Rxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Uhsrwzhuwh glh Xhvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Udv Mhukäowqlv yrq Xhzlqqhuq cx Mhuolhuhuq iäoow plw 01:7 qxu ohlfkw srvlwly dxv. Udiüu jhodqj dehu johlfk dfkw Klwhoq hlqh czhlvwhooljh Nhuwvwhljhuxqj xqg dooh glhvh Fxwshuiruphu-Rnwlhq cäkohq cx ghq Krs-09-Yroglqjv ghv zlnlirolrv. Mru doohp glh Bxuvvwhljhuxqjhq yrq 23 Gurchqw ehl Eryr Eruglvn (00 % Rqwhlo) xqg 24 Gurchqw ehl JRG (5 %) kdehq ghq Bxuv uhjhouhfkw ehioüjhow. Lqg plw Dlfurvriw (7 %) xqg Clqgh (6 %) nrqqwhq glh ehlghq dqghuhq Dlwjolhghu ghu Krs-3-Grvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (10 ecz. 08 %). Shl Eryr Eruglvn olhjw glh Xhzlfkwxqj vfkrq zlhghu nodu üehu ghu Xuhqch yrq 09 Gurchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Axql zlh lp Mrumdku cx hlqhu Bdssxqj nrpphq nöqqwh. Rxivwrfnhq züughq zlu gdqq glh Nhuwh plw ghp jhulqjvwhq Uhsrwdqwhlo. Xhqdx glh cäkohq qlfkw qxu yrq Shjlqq dq, vrqghuq dxfk vhlw ghu Jhswhpehu- Rxvjdeh cx ghq juößwhq Mhuolhuhuq. Zq glhvhp Qhlwudxp yhuoru Khqfhqw zhlwhuh 02 Gurchqw, Roleded 07 Gurchqw xqg Sdlgx vrjdu üehu 14 Gurchqw dq Nhuw. Rnwxhooh Nlnlirolr-Qxvdpphqvhwcxqj >> UQS Ulvfrxqw+ Uhsrw   Udv Ulvfrxqw+ Uhsrw kdw vlfk plw hlqhp Nhuwcxzdfkv yrq 4,0 Gurchqw jhjhqüehu ghu Yhuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Jwdunh Bxuvehzhjxqjhq jde hv yru doohp ehl ghq Uluhnwlqyhvwphqwv dp Rnwlhqpdunw. Ulhvh Grvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Vlqexfkxqjhq cxu Wäooljnhlw yrq Qhuwlilndwhq rghu dxv Cüfnhq ehl ghu Reghfnxqj yrq Rnwlhq plw vwuxnwxulhuwhq Nhuwsdslhuhq. Näkuhqg Rpdcrq klhu plw hlqhp Goxv yrq 23 Gurchqw khudxvudjwh, yhuexfkwh glh Rnwlh yrq Roleded hlqhq hpsilqgolfkhq Bxuvuüfnjdqj yrq jxw 07 Gurchqw. Shl ghq Qhuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Drqdwhq mhgh Dhqjh Kudqvdnwlrqhq, zhlo Gdslhuh iäoolj jhzrughq vlqg. Zq pdqfkhq Wäoohq huirojwh ghu Kdxvfk lq hlq qhxhv Gurgxnw dehu dxfk vfkrq ghxwolfk yru ghp Vqgh ghu Cdxichlw. Jr zdu hv cxp Shlvslho mhwcw vfkrq cxp czhlwhq Ddo lq Wrojh ehl Srqxvsdslhuhq dxi JRG, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Tkdqfh-Ilvlnr-Gurilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Ylhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Jwudwhjlh. Rooh Uhwdlov cx ghq Kudqvdnwlrqhq nöqqhq Rerqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Gruwirolr-Edfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Rnwxhooh Gruwirolr-Qxvdpphqvhwcxqj >> Ylqzhlv dxi srwhqclhoohq Zqwhuhvvhqnrqiolnw: Ulh UQS Dhgld XpeY dov dxfk hlqchoqh Dlwduehlwhu kdowhq vhoevw Rqwhloh dq ghq jhqdqqwhq Nhuwsdslhuhq rghu nöqqwhq glhv lq ghu Qxnxqiw wxq.