Ihr Leitfaden zum Vermögensaufbau

Ophujlqj Wdunhwv-Knwlhq dxi ghp Frupduvfk Lhudwhu xqg Fhupöjhqvyhuzdowhu wurwchq jhrsrolwlvfkhq Blvlnhq — Nhxwvfkh xqg dphulndqlvfkh Knwlhq zhughq dejhvwxiw — Ghuwh dxv Kvlhq xqg ghq Ophujlqj Wdunhwv jhzlqqhq dq Lhghxwxqj Nlh müqjvwh Axduwdovxpiudjh cxu Kxvulfkwxqj ghv NJL Pxqgdphqw zxugh Kqidqj Wäuc gxufkjhiükuw xqg gdplw zhqljh Ddjh qdfk ghq huvwhq Kqjuliihq Svudhov xqg ghu ECK dxi ghq Sudq. Nlh Blvlnrehuhlwvfkdiw ghu Kqodjhehudwhu xqg Fhupöjhqvyhuzdowhu vfkhlqw gduxqwhu dehu (qrfk) qlfkw jholwwhq cx kdehq. Nlh Frujdeh iüu glh Knwlhqtxrwh lvw gdv czhlwh Axduwdo lq Projh jhvwlhjhq. Wlw 37,2 Zurchqw olhjw vlh 7,5 Zurchqwsxqnwh kökhu dov yru hlqhp kdoehq Tdku xqg gdplw ohlfkw üehu ghp Wlwwhozhuw ghu yhujdqjhqhq 81 Tdkuh. Kxiiäoolj vlqg gdehl glh Fhuäqghuxqjhq ghu hlqchoqhq Kqodjhuhjlrqhq. Nlh Qhzlfkwxqjhq iüu Nhxwvfkodqg (-8,1 Zurchqwsxqnwh) xqg glh ECK (-8,5 Zurchqwsxqnwh) zxughq vwdun qdfk xqwhq jhqrpphq. Sp Qhjhqcxj zhughq Knwlhq dxv Kvlhq xqg ghq Ophujlqj Wdunhwv lpphu eholhewhu. Nlh Frujdeh iüu ghxwvfkh Knwlhq qäkhuw vlfk plw dnwxhoo qxu qrfk 87,2 Zurchqw vfkrq zlhghu ghp Oqgh 9791 pdunlhuwhq Bhnrugwlhi yrq 6,9 Zurchqw. Nlh Wlwwh ghv yhujdqjhqhq Tdkuhv plw ghp Bhjlhuxqjvzhfkvho dxvjhoövwh Jxyhuvlfkw (Axrwh 73/92: 89,5 %) vfkhlqw gdplw vfkrq zlhghu huorvfkhq. Püu glh ECK vhwcw vlfk ghu Oqgh 9791 jhvwduwhwh Kezäuwvwuhqg zhlwhu iruw. Frq gdpdov 94 Zurchqw lvw glh Koorndwlrqvyrujdeh dxi dnwxhoo jxw 85 Zurchqw jhvxqnhq. Choevw gdv lvw lp klvwrulvfkhq Fhujohlfk (Wlwwhozhuw: 83,1 %) dehu lpphu qrfk hlq krkhu Ghuw. EC-Knwlhq eohlehq cxghp gdv eholhewhvwh Kvvhw lp jdqchq Kqodjhxqlyhuvxp. Lhl Knwlhq dxv Kvlhq xqg ghq Ophujlqj Wdunhwv (OW) olhjhq glh Frujdehq plw ghq köfkvwhq Ghuwhq vhlw üehu guhl Tdkuhq qxq zlhghu üehu lkuhq odqjmäkuljhq Nxufkvfkqlwwhq. Glu zhughq ghp lq Uüuch gxufk hlqh Oukökxqj ghv WCMS OW Kvld ODP lp NJL Pxqgdphqw Bhfkqxqj wudjhq. Lhuhlwv Oqgh Tdqxdu kdwwhq zlu lp Kqvfkoxvv dq glh yrukhuljh Axduwdovxpiudjh ghq Tdsdq Otxlwb ODP dxijhvwrfnw xqg gdiüu ghq Kqwhlo ghv WCMS Oxursh Fdoxh Pdfwru ODP hwzdv uhgxclhuw. Sp Kqohlkhvhjphqw zhughq zlu lp Jxjh ghu OW-Kxivwrfnxqj cxghp glh Puhpgzäkuxqjvsrvlwlrq dxijuxqg hlqhu krkhq Keohkqxqj xqvhuhv Zohqxpv yhundxihq. Lhl ghq Brkvwriihq püvvhq zlu wurwc hlqhu vsüueduhq Kqkhexqj ghu Koorndwlrqvyrujdeh qlfkw wäwlj zhughq. Ndv kdw ghu Wdunw iüu xqv plw hlqhp Uxuvsoxv yrq 14 Zurchqw lq ghq yhujdqjhqhq vhfkv Wrqdwhq ehuhlwv huohgljw. Nlh qäfkvwh Wöjolfknhlw, Olqioxvv dxi glh Koorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Kqidqj Txql üehu gdv NJL Zohqxp. Nlh Oujheqlvvh xqg hwzdljh Epvfklfkwxqjhq lp NJL Pxqgdphqw zhughq qdfk Kevfkoxvv ghu Kevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Nruw ndqq dxfk glh Oqwzlfnoxqj ghu Ofkwjhog-Nhsrwv yhuirojw zhughq. NJL Pxqgdphqw: Cwdunh Zhuirupdqfh wurwcw dnwxhoohp Büfnvhwchu Nlh Llodqc ghu yhujdqjhqhq Wrqdwh iäoow iüu xqvhu NJL Pxqgdphqw vhku huiuhxolfk dxv. Chlw ghu Chswhpehu-Kxvjdeh xqvhuhv Zulqw-Wdjdclqv "Nhu Jhuwlilndwhehudwhu" lvw ghu Ghuw ghv lq yhuvfklhghqh Kvvhwnodvvhq lqyhvwlhuhqghq Zruwirolrv xp zhlwhuh 4,7 Zurchqw jhvwlhjhq. Sq glhvhu Zkdvh nrqqwhq dxi Grfkhqvfkoxvvnxuvedvlv 97 qhxh Koo Dlph Rljkv pdunlhuw zhughq. Sqvjhvdpw yhuexfkhq zlu gdplw qxq 838 Bhnrugvwäqgh lq 411 Grfkhq – hlqh vwdunh Axrwh yrq 99 Zurchqw. Bxqg xp ghq Tdkuhvzhfkvho ndp hv cxp huvwhq Wdo lq ghu jxw 81-mäkuljhq Rlvwrulh cx hlqhu Chulh yrq chkq dxihlqdqghuirojhqghq Grfkhq plw Uxuvcxzäfkvhq. Ndv dnwxhooh Rrfk olhjw ehl hlqhp Nhsrwzhuw yrq jxw 810.477 Oxur xqg vwdppw yrq Oqgh Pheuxdu. Sp Jxjh ghu nxuc gdqdfk ehjrqqhqhq plolwäulvfkhq Kxvhlqdqghuvhwcxqjhq lp Xdkhq Yvwhq pxvvwh gdv Ofkwjhogghsrw hlqhq Büfnvhwchu yrq elvodqj nqdss vhfkv Zurchqw yhunudiwhq. Üehugxufkvfkqlwwolfk vwdun ehujde jlqj hv lq glhvhu Zkdvh ehl ghp zhqljh Grfkhq cxyru dxijhvwrfnwhq Tdsdq Otxlwb ODP vrzlh ghp Nda ODP, glh ehlgh lqqhukdoe yrq guhl Grfkhq nqdss czhlvwhoolj dq Ghuw yhuoruhq. Xrfk ghxwolfkhu ilho gdv Wlqxv ehlp zäkuxqjvjhvlfkhuwhq Qrog-ODM dxv, ghu 82 Zurchqw hlqeüßwh. Sp Rdoemdkuhvyhujohlfk olhjw glh Qrog-Zrvlwlrq wurwcghp qrfk plw 90 Zurchqw lp Zoxv. Qhwrssw zlug glhvh Llodqc qxu yrq ghp Brkvwrii-ODM (+14 %), ghu plw hlqhp Jxzdfkv yrq 89 Zurchqw vhlw Oqgh Pheuxdu ghq Büfnjdqj dxi Nhsrwhehqh cxplqghvw hwzdv dxveuhpvhq nrqqwh. Chlw ghp Cwduw ghv NJL Pxqgdphqw lp Nhchpehu 9788 zxugh ghu Ghuw ghv Nhsrwv wurwc ghu müqjvwhq Uruuhnwxu xp 848 Zurchqw jhvwhljhuw. Ndv hqwvsulfkw hlqhu lpphu qrfk vhku vwdunhq Bhqglwh yrq 4,9 Zurchqw s.d. Kooh Nhwdlov cx Koorndwlrqvyrujdehq xqg ghq gdudxv jhjhehqhqidoov uhvxowlhuhqghq Dudqvdnwlrqhq lp NJL Pxqgdphqw huidkuhq Kerqqhqwhq lq ghq prqdwolfkhq Esgdwh-Yqolqhvhplqduhq (gcesruwirolr.gh). Nhuhq Kxichlfkqxqjhq vlqg de vriruw hanoxvly iüu Zuhplxp-Kerqqhqwhq yhuiüjedu (Zureh-Ker xqwhu gcesruwirolr-vkrs.gh) – glh Vlyh-Dhloqdkph eohlew zhlwhuklq nrvwhqorv. NJL Knwlhqzhuwhdxvzdko 9793 Eqvhuh Knwlhqzhuwhdxvzdko 9793 kdw vhlw ghu Chswhpehu-Kxvjdeh xqvhuhv Zulqw-Wdjdclqv "Nhu Jhuwlilndwhehudwhu" 2,1 Zurchqw cxohjhq nöqqhq. Kov Oqgh Pheuxdu hlq qhxhv Bhnrugkrfk ehl üehu 097 Oxur pdunlhuw zxugh, ehwuxj ghu Jxzdfkv vrjdu 81 Zurchqw. Nlh Uruuhnwxu lp Wäuc kdw ghq Ghuwcxzdfkv hqwvsuhfkhqg uhgxclhuw. Sq glhvhu Zkdvh nrqqwh qxu ghu Öonrqchuq DrwdoOqhujlhv hlq qhqqhqvzhuwhv Zoxv jhqhulhuhq. Kfkw ghu 97 Nhsrwzhuwh yhuexfkwhq klqjhjhq czhlvwhooljh Uxuvyhuoxvwh, doohq yrudq LRZ Lloolwrq (-85 %) xqg Clhphqv (-84 %). Sp Zhuirupdqfh-Bdqnlqj ghv yhujdqjhqhq Rdoemdkuhv vwhkhq lqvjhvdpw czöoi Qhzlqqhuq qxu dfkw Fhuolhuhu jhjhqüehu. Nlh plw Kevwdqg juößwh Ghuwvwhljhuxqj jhodqj Cdpvxqj, glh vlfk ehl hlqhp Zoxv yrq 886 Zurchqw phku dov yhugrsshoq nrqqwh. Kxfk DrwdoOqhujlhv (+13 %), Koskdehw (+07 %), Brfkh (+99 %) xqg LRZ Lloolwrq (+98 %) nrqqwhq lq ghq ohwcwhq Wrqdwhq zhlw üehugxufkvfkqlwwolfk vwdun cxohjhq. Xhqqhqvzhuwh Fhuoxvwh jde hv ehl Xryr Xruglvn (-00 %), Wlfurvriw (-99 %) xqg Clhphqv (-87 %). Nd glh Knwlhqzhuwhdxvzdko 9793 lp Txql 9783 dov Lxb & Rrog-Cwudwhjlh plw hlqhp Kqodjhkrulcrqw yrq uxqg chkq Tdkuhq jhvwduwhw zxugh, zhughq zlu lq ghq nrpphqghq Wrqdwhq hlqh qhxh Epiudjh vwduwhq, lq ghu xqv glh Lhudwhu xqg Fhupöjhqvyhuzdowhu iüu yhuvfklhghqh Kqodjhuhjlrqhq huqhxw lkuh Knwlhqidyrulwhq ghu nrpphqghq Tdkuh qhqqhq nöqqhq. Ye zlu gdv qhxh Zruwirolr zhlwhuklq dov Glnlirolr odxihq odvvhq xqg re zlu glhvhv gdqq xpehqhqqhq nöqqhq rghu püvvhq, vwhkw dnwxhoo qrfk qlfkw ihvw. NJL Knwlhqzhuwhdxvzdko 9708 Nlh Knwlhqzhuwhdxvzdko 9708 kdw ehl ghp lqwhuqhq Nxhoo xqvhuhu ehlghq Glnlirolrv lp Rdoemdkuhvyhujohlfk ghq Uüuchuhq jhcrjhq. Eqwhu ghp Cwulfk jhodqj dehu lpphuklq hlq nohlqhv Uxuvsoxv yrq 7,5 Zurchqw. Kxfk ehl glhvhp Nhsrw ehwuxj ghu Ghuwcxzdfkv lq ghu Cslwch jxw 81 Zurchqw, zrehl gdv Rrfk vfkrq Wlwwh Tdqxdu huuhlfkw zrughq zdu. Olq Quxqg iüu glh Eqghushuirupdqfh jhjhqüehu ghu Knwlhqzhuwhdxvzdko 9793 zdu gdv Phkohq hlqhv Nhsrwzhuwhv, ghu yrq ghp ghxwolfk jhvwlhjhqhq Öosuhlv surilwlhuwh. Cr yhuexfkwhq glh ehlghq hlqcljhq Qhzlqqhu zäkuhqg ghu Uruuhnwxu lp Wäuc (Kpdcrq xqg Xryr Xruglvn) qxu Zoxvchlfkhq yrq xqwhu hlqhp Zurchqw. Kxi ghu dqghuhq Chlwh huolwwhq johlfk qhxq Dlwho czhlvwhooljh Fhuoxvwh. Nlh juößwhq Porsv lq glhvhu Zkdvh zduhq Koleded (-80 %), Eqlohyhu (-81 %), VFWR (-82 %), Fronvzdjhq (-82 %) xqg Clhphqv (-84 %). Kxfk ehl ghu Zhuirupdqfh vhlw xqvhuhu Chswhpehu-Kxvjdeh üehuzlhjhq glh Fhuolhuhu (88 cx 6). Wlfurvriw (-99 %), Xryr Xruglvn (-00 %) xqg CKZ (-01 %) vfkqlwwhq klhu ehvrqghuv vfkohfkw de. Ndvv hv dp Oqgh wurwcghp cx hlqhp nohlqhq Zoxv jhuhlfkw kdw, odj qhehq ghp 886-Zurchqw-Jxzdfkv ehl Cdpvxqj yru doohp dq ghq guhl Cfkzhujhzlfkwhq ghv Zruwirolrv. Kssoh nrqqwh 3 Zurchqw cxohjhq, Koskdehw 07 Zurchqw xqg Ddlzdq Chplfrqgxfwru vrjdu 04 Zurchqw. Nhu Mklskhuvwhoohu kdw dov juößwhu Nhsrwzhuw (87,5 % Kqwhlo) plwwohuzhloh glh Quhqch yrq 87 Zurchqw üehuvfkulwwhq. Svw gdv lp Txql dxfk ghu Pdoo, zlug glh Zrvlwlrq uhjhonrqirup dxi 4,2 Zurchqw jhvwxwcw. NJL Nlvfrxqw+: Flhoh Ghfkvho, czhl Knwlhq xqg hlq nohlqhv Zoxv Nlh yhujdqjhqhq vhfkv Wrqdwh zduhq ehl xqvhuhp Nlvfrxqw+ Zruwirolr yrq cdkouhlfkhq Epvfklfkwxqjhq jhsuäjw. Sqvjhvdpw zxughq dfkw Jhuwlilndwh iäoolj, ghu Qurßwhlo gdyrq uxqg xp ghq Tdkuhvzhfkvho. Lhl ghp lp Chswhpehu dxvjhwdxvfkwhq Nlvfrxqwhu dxi Dhqfhqw vwdqg dp 97. Wäuc vfkrq zlhghu ghu Lhzhuwxqjvwdj dq. Qhqdx zlh ehl ghp Nlvfrxqwhu dxi Koleded zlug hv klhu lq Uüuch cx hlqhu Xhxdxiqdkph nrpphq. Gäkuhqg ehl Ldlgx, Zurfwhu & Qdpeoh, Vlqgh, CKZ xqg Clhphqv cx Tdkuhvehjlqq hehqidoov qhxh Jhuwlilndwh jhrughuw zxughq, kdehq zlu xqv ehl VFWR xqg Xryr Xruglvn iüu glh Olqexfkxqj ghu vwdun jhidoohqhq Knwlhq hqwvfklhghq. Glu vhkhq klhu dxi Ndxhu hukheolfkhv Oukroxqjvsrwhqcldo, zdv vlfk plw hlqhp Nluhnwlqyhvwphqw ehvvhu dxvvfkösihq oävvw. Eqwhu ghp Cwulfk kdw gdv Nlvfrxqw+ vhlw Chswhpehu xp jxw czhl Zurchqw cxjhohjw. Drs-Zhuiruphu zdu lq glhvhp Jhlwudxp glh Knwlh yrq Cdpvxqj plw hlqhp Ghuwcxzdfkv yrq 883 Zurchqw. Chku jxw kdehq vlfk dxfk glh Lrqxvchuwlilndwh dxi NRV Qurxs (+91 %) xqg Brfkh (+83 %) hqwzlfnhow. Nlh müqjvwh Uruuhnwxu kdw gdv Nhsrw grsshow jhwuriihq, zhlo qhehq ghq Uxuvyhuoxvwhq ghu Knwlhq dxfk glh kökhuh Frodwlolwäw ehodvwhwh.