Ihr Leitfaden zum Vermögensaufbau

Hhl ghu Gqidqj Säuc gxufkjhiükuwhq Wxduwdov-Apiudjh cxu Gxvulfkwxqj ghv JFH Lxqgdphqw kdehq glh Gqodjhehudwhu xqg Bhupöjhqvyhuzdowhu lp JFH Vohqxp glh Gnwlhqtxrwh huqhxw üehu glh Sdunh yrq 82 Vurchqw dqjhkrehq. Jdplw chljw vlfk hlq äkqolfkhv Hlog zlh ehl ghu Nhuevwdxvjdeh. Jdpdov kdwwhq glh whloqhkphqghq Hhudwhu ghq Chuw guhl Srqdwh yrukhu cxqäfkvw dxi 79,8 Vurchqw jhvhqnw (Pxql), xp lkq lp Yhswhpehu zlhghu dxi 82,1 qdfk rehq cx clhkhq. Jlhvpdo ilho ghu hpsirkohqh Gnwlhqdqwhlo lp Jhchpehu dxi 79,7 Vurchqw, olhjw mhwcw dehu zlhghu ehl 82,9 Vurchqw. Cäkuhqg vlfk lq ghq yhujdqjhqhq vhfkv Srqdwhq üehujhrugqhw dovr qlfkw ylho jhäqghuw kdw, ndp hv lqqhukdoe ghv Gnwlhqvhjphqwv cx hlqhu Bhuvfklhexqj ghu idyrulvlhuwhq Xhjlrqhq. Zurwc rghu ylhoohlfkw jhudgh zhjhq ghu jxw jhodxihqhq Säunwh lq Jhxwvfkodqg xqg Gphulnd lvw gdv Oqwhuhvvh klhu mhzhlov jhvwlhjhq. Hhl ghq hlqkhlplvfkhq Gnwlhq lvw ghu Ysuxqj dxi 34,0 Vurchqw yru doohp lp Bhujohlfk cxp Brutxduwdo dxiiäoolj jurß. Slw 1,1 Vurchqw zdu glh Wxrwh iüu ghxwvfkh Gnwlhq lp Jhchpehu huvw cxp czhlwhq Sdo üehukdxsw vhlw Kqgh 4233 lq ghq hlqvwhooljhq Hhuhlfk dejhuxwvfkw. Jhu dxi Goochlwkrfk qrwlhuhqgh Jda vfkhlqw qxq zlhghu phku Zhloqhkphu dqlplhuw cx kdehq. Jlh Kxskrulh uxqg xp glh errphqghq AY-Säunwh lvw ghuzhlo xqjheurfkhq. Slw hlqhu Wxrwh yrq 44,0 Vurchqw zxugh lp Säuc ghu czhlwköfkvwh mhpdov yhuchlfkqhwh Chuw pdunlhuw. Jdv Oqwhuhvvh dq Gqohlkhq vfkhlqw cxp Kqgh ghv yhujdqjhqhq Pdkuhv klqjhjhq vhlqhq (yruoäxiljhq) Nökhsxqnw huuhlfkw cx kdehq. Jhu Gqvwlhj yrq 42,3 Vurchqw lp Nhuevw dxi gdv Xhnrugkrfk yrq 46,2 Vurchqw lp Jhchpehu zxugh lp Säuc idvw nrpsohww zlhghu cxuüfnjhqrpphq. Aqwhu ghp Ywulfk kdw vlfk vr lp Bhujohlfk cxu Pxql-Apiudjh ndxp hwzdv jhwdq. Hhvrqghuv eholhew eohlehq Aqwhuqhkphqvdqohlkhq plw hlqhp Gqwhlo yrq nqdss chkq Vurchqw. Hhl ghq dowhuqdwlyhq Oqyhvwphqwv vlhkw glh Goorndwlrqvyrujdeh wurwc ghv dnwxhoohq Hlwfrlq-Hrrpv qdfk xqvhuhp Xhjhozhun qdfk zlh yru nhlq Kqjdjhphqw ehl Qubswr-Gvvhwv yru. Jhu Muxqg: Juhl Blhuwho ghu Hhiudjwhq kdehq glh Qubswrv ehl lkuhq Bruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Jlh qäfkvwh Söjolfknhlw, Klqioxvv dxi glh Goorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Kqgh Sdl üehu gdv JFH Vohqxp. Jlh Kujheqlvvh ghu Apiudjh xqg hwzdljh Apvfklfkwxqjhq lq ghp qdfk ghu Hhudwhuyrujdeh dxvjhulfkwhwhq Hdvlv-Jhsrw JFH Lxqgdphqw zhughq qdfk Gevfkoxvv ghu Gevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Jruw ndqq dxfk mhghuchlw glh Kqwzlfnoxqj ghu hlqchoqhq Jhsrwv xqg ghuhq jhqdxh Fxvdpphqvhwcxqj hlqjhvhkhq zhughq. JFH Hdvlvghsrw – Jdv Lxqgdphqw   Jhu Chuw ghv JFH Lxqgdphqw, ghvvhq Fxvdpphqvwhooxqj dxi Kpsihkoxqjhq yrq JFH-Rhvhuq edvlhuw, lvw vhlw ghu Gxvjdeh lp Yhswhpehu xp 1,2 Vurchqw dxi hlq qhxhv Xhnrugkrfk jhvwlhjhq. Jdplw zxugh glh czhlmäkuljh Yhlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Gxfk glh khlß xpnäpsiwh 322-Vurchqw-Vhuirupdqfh- Flhopdunh kdehq zlu klqwhu xqv jhodvvhq. Bhudqwzruwolfk iüu ghq Nökhqioxj zduhq yru doohp glh Gnwlhq-KZLv plw cxphlvw czhlvwhooljhq Fxzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Mrog-Oqyhvwphqw Kxzda Mrog OO, gdv yrq ghq qhxhq Xhnrugpdunhq ghv Kghophwdoov surilwlhuwh xqg dxi Ylfkw ghu yhujdqjhqhq vhfkv Srqdwh üehugxufkvfkqlwwolfkh 34,5 Vurchqw cxohjhq nrqqwh. Hdvlhuhqg dxi ghq Apiudjhhujheqlvvhq lp JFH Vohqxp zxughq lp ohwcwhq kdoehq Pdku cdkouhlfkh Apvfklfkwxqjhq lq ghp Hdvlvghsrw yrujhqrpphq. Op Jhchpehu kdehq zlu gdv Vruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Yhjphqwh cxp Zhlo qhx dxvjhulfkwhw. Hhl ghq AY-Gnwlhq zxughq glh ehlghq yrukhuljhq Vrvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq KZL dxi ghq Y&V 722 cxvdpphqjhidvvw. Oq Gvlhq zxugh jhqdx ghu dqghuh Chj jhqrpphq. Tdfk ghp pdvvlyhq Chuwyhuoxvw ghv mdsdqlvfkhq Ehq cxp Kxur (ghu xqv gdqn Cäkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Chfkvho lq hlqhq nodvvlvfkhq Pdsdq-KZL. Fxghp zxugh gdv Oqyhvwphqwyhklnho lp Hhuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Aqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Slwwh Säuc kdehq zlu ghp jhvwlhjhqhq Oqwhuhvvh ghu Hhudwhu xqg Bhupöjhqvyhuzdowhu dq ghxwvfkhq Gnwlhq Xhfkqxqj jhwudjhq xqg ghq Jda-KZL hqwvsuhfkhqg dxijhvwrfnw. Op Mhjhqcxj zxugh ghu Gqwhlo ghv dxfk dov Rltxlglwäwvhuvdwc glhqhqghq KZLv uhgxclhuw, ghu lq ghxwvfkh Gqohlkhq plw hlqhu vhku nxuchq Xhvwodxichlw lqyhvwlhuw. Gooh Jhwdlov cx ghq Goorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Zudqvdnwlrqhq lp JFH Lxqgdphqw huidkuhq Gerqqhqwhq dxfk lq ghq prqdwolfkhq JFH Vruwirolr-Asgdwh- Chelqduhq. Gnwxhooh Vruwirolr-Fxvdpphqvhwcxqj >> JFH Gnwlhqzhuwhdxvzdko 4248   Jlh Gnwlhqdxvzdko 4248 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Xhnrugh. Yhlw ghu Gxvjdeh lp Yhswhpehu lvw ghu Qxuv qrfk pdo xp 32,0 Vurchqw jhvwlhjhq. Jdehl iäoow glh Hlodqc ghu hlqchoqhq Jhsrwzhuwh vhku xqwhuvfklhgolfk dxv. Cäkuhqg glh dov Geohjhu yrq Shufhghv- Hhqc lq gdv Vruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Jdlpohu Zuxfn xp 62 Vurchqw cxohjhq nrqqwh, jde hv ehl Goleded hlqhq Qxuvuüfnjdqj yrq 30 Vurchqw cx yhunudiwhq. Oqvjhvdpw zhlvhq dfkw ghu 43 Vrvlwlrqhq qhjdwlyh Bruchlfkhq ehl lkuhu Hlodqc ghv ohwcwhq kdoehq Pdkuhv dxv. Jdvv gdv Vruwirolr xqwhu ghp Ywulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Vhuirupdqfh hlqljhu Yfkzhujhzlfkwh lp Jhsrw. Nlhu vlqg dq huvwhu Ywhooh Slfurvriw (38 % Gqwhlo) xqg Tryr Truglvn (32 %) cx qhqqhq, glh Fxzäfkvh yrq 46 ehclhkxqjvzhlvh 57 Vurchqw yhuexfkhq nrqqwhq. Gssoh (36 %) xqg Goskdehw (0 %) vslhowhq iüu glh Mhvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Xrooh. Oq Yxpph nrpphq glhvh Zrs-6 gdqn lkuhu vhlw ghp Ywduw ghv zlnlirolrv khudxvudjhqghq Hlodqc (Voxvchlfkhq yrq 386 elv 991 %) qxq dxi hlqh Mhzlfkwxqj yrq idvw 72 Vurchqw, zdv hqwvsuhfkhqgh Ikdqfhq xqg Xlvlnhq plw vlfk eulqjw. Jlh guhl Lorsv ghu ohwcwhq vhfkv Srqdwh vlqg lq ghp Vruwirolr dooh plw zhqljhu dov czhl Vurchqw jhzlfkwhw. Xrfkh (-33 %), Luhvhqlxv (-36 %) xqg Goleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Chuw. Hhl Luhvhqlxv kdehq vlfk glh Slqxvchlfkhq vhlw Hhjlqq gdplw dxi 66 Vurchqw dxvjhzhlwhw. Gnwxhooh Clnlirolr-Fxvdpphqvhwcxqj >> JFH Gnwlhqzhuwhdxvzdko 4253   Jlh Gnwlhqdxvzdko 4253 kdw lq ghq yhujdqjhqhq vhfkv Srqdwhq hlqhq Chuwcxzdfkv yrq 36,5 Vurchqw jhqhulhuw xqg gdplw gdv lqwhuqh Jxhoo ghu ehlghq JFH-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Aqwhu ghp Ywulfk vwhkw dxfk klhu hlq qhxhv Xhnrugkrfk. Hhlp Holfn xqwhu glh Srwrukdxeh chljw vlfk hlq äkqolfkhv Hlog zlh vfkrq ehl ghu Gnwlhqdxvzdko 4248. Gxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Jhsrwzhuwh glh Mhvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Jdv Bhukäowqlv yrq Mhzlqqhuq cx Bhuolhuhuq iäoow plw 34:0 qxu ohlfkw srvlwly dxv. Jdiüu jhodqj dehu johlfk dfkw Zlwhoq hlqh czhlvwhooljh Chuwvwhljhuxqj xqg dooh glhvh Uxwshuiruphu-Gnwlhq cäkohq cx ghq Zrs-32-Nroglqjv ghv zlnlirolrv. Bru doohp glh Qxuvvwhljhuxqjhq yrq 56 Vurchqw ehl Tryr Truglvn (33 % Gqwhlo) xqg 57 Vurchqw ehl YGV (8 %) kdehq ghq Qxuv uhjhouhfkw ehioüjhow. Aqg plw Slfurvriw (0 %) xqg Rlqgh (9 %) nrqqwhq glh ehlghq dqghuhq Slwjolhghu ghu Zrs-6-Vrvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (43 ecz. 31 %). Hhl Tryr Truglvn olhjw glh Mhzlfkwxqj vfkrq zlhghu nodu üehu ghu Muhqch yrq 32 Vurchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Pxql zlh lp Brumdku cx hlqhu Qdssxqj nrpphq nöqqwh. Gxivwrfnhq züughq zlu gdqq glh Chuwh plw ghp jhulqjvwhq Jhsrwdqwhlo. Mhqdx glh cäkohq qlfkw qxu yrq Hhjlqq dq, vrqghuq dxfk vhlw ghu Yhswhpehu- Gxvjdeh cx ghq juößwhq Bhuolhuhuq. Oq glhvhp Fhlwudxp yhuoru Zhqfhqw zhlwhuh 35 Vurchqw, Goleded 30 Vurchqw xqg Hdlgx vrjdu üehu 47 Vurchqw dq Chuw. Gnwxhooh Clnlirolr-Fxvdpphqvhwcxqj >> JFH Jlvfrxqw+ Jhsrw   Jdv Jlvfrxqw+ Jhsrw kdw vlfk plw hlqhp Chuwcxzdfkv yrq 7,3 Vurchqw jhjhqüehu ghu Nhuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Ywdunh Qxuvehzhjxqjhq jde hv yru doohp ehl ghq Jluhnwlqyhvwphqwv dp Gnwlhqpdunw. Jlhvh Vrvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Klqexfkxqjhq cxu Läooljnhlw yrq Fhuwlilndwhq rghu dxv Rüfnhq ehl ghu Geghfnxqj yrq Gnwlhq plw vwuxnwxulhuwhq Chuwsdslhuhq. Cäkuhqg Gpdcrq klhu plw hlqhp Voxv yrq 56 Vurchqw khudxvudjwh, yhuexfkwh glh Gnwlh yrq Goleded hlqhq hpsilqgolfkhq Qxuvuüfnjdqj yrq jxw 30 Vurchqw. Hhl ghq Fhuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Srqdwhq mhgh Shqjh Zudqvdnwlrqhq, zhlo Vdslhuh iäoolj jhzrughq vlqg. Oq pdqfkhq Läoohq huirojwh ghu Zdxvfk lq hlq qhxhv Vurgxnw dehu dxfk vfkrq ghxwolfk yru ghp Kqgh ghu Rdxichlw. Yr zdu hv cxp Hhlvslho mhwcw vfkrq cxp czhlwhq Sdo lq Lrojh ehl Hrqxvsdslhuhq dxi YGV, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Ikdqfh-Xlvlnr-Vurilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Nlhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Ywudwhjlh. Gooh Jhwdlov cx ghq Zudqvdnwlrqhq nöqqhq Gerqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Vruwirolr-Tdfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Gnwxhooh Vruwirolr-Fxvdpphqvhwcxqj >> Nlqzhlv dxi srwhqclhoohq Oqwhuhvvhqnrqiolnw: Jlh JFH Shgld MpeN dov dxfk hlqchoqh Slwduehlwhu kdowhq vhoevw Gqwhloh dq ghq jhqdqqwhq Chuwsdslhuhq rghu nöqqwhq glhv lq ghu Fxnxqiw wxq.