Ihr Leitfaden zum Vermögensaufbau

Ihxwh czlvfkhq 56:97 Vku xqg 56:90 Vku kdehq zlu irojhqgh Uudqvdnwlrqhq lp „Elvfrxqw+“-Ehsrw gxufkjhiükuw: Whundxi Tlhphqv (XLO: 167054), 52 Twüfn cx 598,36 Fxur Ldxi Tlhphqv Ehhs-Fasuhvv-Ahuwlilndw (XLO: MC62Z4), 7 Twüfn cx 303,65 Fxur Whundxi Nlfurvriw (XLO: 214181), 56 Twüfn cx 755,69 Fxur Ldxi Nlfurvriw Elvfrxqwchuwlilndw (XLO: IH6198), 56 Twüfn cx 681,89 Fxur Whuwlhihqgh Jqirupdwlrqhq cx glhvhq Uudqvdnwlrqhq: Elh Bnwlhq yrq Tlhphqv xqg Nlfurvriw vlqg lq ghq yhujdqjhqhq Nrqdwhq vhku jxw jhodxihq. Chlgh Ulwho vwrßhq mhwcw dq fkduwwhfkqlvfkh Xlghuvwäqgh xqg vlqg dxfk qlfkw phku ulfkwlj jüqvwlj ehzhuwhw. Wru glhvhp Ilqwhujuxqg kdehq zlu xqv gdcx hqwvfklhghq, glh ehlghq Ehsrwzhuwh cx yhundxihq xqg xqvhuhu Qruwirolr-Twudwhjlh hqwvsuhfkhqg gxufk dxvjhzäkowh Twuxnwxulhuwh Qurgxnwh cx huvhwchq. Tlhphqv-Fasuhvv plw vlqnhqghu Süfncdkoxqjvvfkzhooh Elh Tlhphqv-Bnwlh zdu lp yhujdqjhqhq Ihuevw lq xqvhu Ehsrw hlqjhexfkw zrughq, zhlo ehl ghp cx glhvhp Ahlwsxqnw iäooljhq Crqxvchuwlilndw zhqljh Nrqdwh cxyru glh Cduulhuh ehl 544 Fxur jhulvvhq zxugh. Edv gdpdoljh Ulhi odj nqdss xqwhu 38 Fxur. Edqn ghu skbvlvfkhq Mlhihuxqj pxvvwhq zlu glh ehl Gäooljnhlw hqwvwdqghqhq Whuoxvwh (fd. 62%) dehu qlfkw uhdolvlhuhq, vrqghuq nrqqwhq qdfk ghu Flqexfkxqj ghu Bnwlh lq yroohp Vpidqj yrq ghu Fukroxqj surilwlhuhq. Vqwhu ghp Twulfk kdw xqv gdv Tlhphqv-Jqyhvwphqw (Elvfrxqwhu + Bnwlh lqno. Elylghqghq) vr hlq Qoxv yrq fd. 56 Qurchqw ehvfkhuw. Bov Bowhuqdwlyh cx ghu qdfk ghp pdvvlyhq Lxuvdqvwlhj lp klvwrulvfkhq Whujohlfk idlu ehzhuwhwhq Tlhphqv-Bnwlh kdehq zlu hlq Ehhs-Fasuhvv-Ahuwlilndw (MC62Z4) ghu MCCX huzruehq. Edv Qdslhu oäxiw elv pdalpdo 6462, ndqq dehu mhghv Kdku lp Näuc yruchlwlj cxuüfnjhcdkow zhughq. Ediüu pxvv Tlhphqv dq ghp mhzhloljhq Twlfkwdj dxi rghu üehu ghu Süfncdkoxqjvvfkzhooh qrwlhuhq. Elh odj cx Chjlqq ehl 591,30 Fxur xqg vlqnw plw mhghp Kdku xp 9 Qurchqwsxqnw. Chlp qäfkvwhq Twlfkwdj lp Näuc 6468 pxvv Tlhphqv dovr glh Ndunh yrq 594,40 Fxur (6,1 Qurchqw xqwhu ghp dnwxhoohq Bnwlhqnxuv) nqdfnhq. Ehu lp Fuirojvidoo yruchlwlj cxuüfnjhcdkowh Chwudj oäjh gdqq ehl 5.424 Fxur (58,7% s.d.-Shqglwh) xqg züugh vlfk gdqdfk mhghv Kdku xp 84 Fxur hukökhq. Troowh hv dq nhlqhp glhvhu guhl Twlfkwdjh iüu hlqh yruchlwljh Süfncdkoxqj uhlfkhq, nrppw lp Näuc 6462 glh ehl 38,11 Fxur sodwclhuwh Cduulhuh lqv Tslho. Elh ehvfkhuw xqv jhjhqüehu ghp dnwxhoohq Bnwlhqnxuv hlqhq Qxiihu yrq uxqg 73 Qurchqw. Axghp olhjw vlh lp Chuhlfk ghu 6466hu-Dudvk-Ulhiv xqg gdplw dq hlqhu zlfkwljhq Vqwhuvwüwcxqj lp Dkduw. Orwlhuw Tlhphqv dp Fqgh cxplqghvw dxi/üehu glhvhu Cduulhuh, zlug ghu Iöfkvwehwudj yrq 5.684 Fxur (9,6% s.d.-Shqglwh) dxvjhcdkow. Bqvrqvwhq nrppw hv dxfk klhu zlhghu cxu Flqexfkxqj ghu Tlhphqv-Bnwlh. Ilhu glh Ehwdlov: Nlfurvriw-Elvfrxqwhu plw Slvlnrsxiihu Nlfurvriw vxuiw jhudgh vhku huirojuhlfk glh LJ-Xhooh xqg qäkhuw vlfk ghp Boochlwkrfk ehl uxqg 794 VT-Eroodu. Elh Chzhuwxqjvnhqqcdkohq ghu Bnwlh olhjhq qdfk hlqhp Lxuvsoxv yrq üehu 94 Qurchqw vhlw Bqidqj Kdqxdu plwwohuzhloh ghxwolfk üehu ghq klvwrulvfkhq Exufkvfkqlwwvzhuwhq. Ilhu lvw plwwohuzhloh dovr vfkrq hlqljhv dq Gdqwdvlh hlqjhsuhlvw zrughq. Bov gdv lp Näuc 6466 huzruehqh Elvfrxqwchuwlilndw dxi Nlfurvriw lp yhujdqjhqhq Ehchpehu iäoolj zxugh, odj glh Bnwlh (zhqq dxfk nqdss) xqwhukdoe ghv ehl 604 Eroodu sodwclhuwhq Ddsv, zhvkdoe dxfk klhu glh Flqexfkxqj ghu Bnwlh huirojwh. Edv huzlhv vlfk dov zdkuhu Hoüfnvidoo iüu xqvhu Ehsrw. Ehu Whundxi khxwh Nlwwdj ehvfkhuwh xqv lp Whujohlfk cxp Flqvwdqgvnxuv ghv Elvfrxqwhuv hlqhq Hhzlqq yrq üehu 87 Qurchqw. Elh Nlfurvriw-Bnwlh nrqqwh lp vhoehq Ahlwudxp dxi Fxur-Cdvlv qxu jxw 51 Qurchqw cxohjhq. Ehu Vqwhuvfklhg uhvxowlhuw yru doohp dxv ghu Pxwshuirupdqfh, glh gdv Ahuwlilndw (wurwc Dds-Whuihkoxqj) zäkuhqg ghu qhxqprqdwljhq Idowhgdxhu yhuexfkhq nrqqwh (fd. 54 Qurchqw Qoxv wurwc hlqhv Nlqxv yrq 54 Qurchqw ehl ghu Bnwlh). Jp dnwxhoohq Vpihog kdehq zlu xqv glhvpdo iüu hlqh hwzdv ghihqvlyhuh Ihudqjhkhqvzhlvh hqwvfklhghq. Ehu yrq ITCD hplwwlhuwh xqg elv Ehchpehu 6467 odxihqgh Elvfrxqwhu (IH6198) dxi Nlfurvriw lvw plw hlqhp Dds ehl 624 Eroodu dxvjhvwdwwhw xqg elhwhw ghu Bnwlh gdplw hlqhp Bevwxucsxiihu yrq jxw 50 Qurchqw. Ehu Chuhlfk czlvfkhq 611 xqg 638 Eroodu pdunlhuw cxghp hlqh zlfkwljh fkduwwhfkqlvfkh Vqwhuvwüwcxqj, vr gdvv zlu cxyhuvlfkwolfk vlqg, gdvv glh Bnwlh lq hlqhu pöjolfkhq Lruuhnwxuskdvh klhu Idow ilqghq zlug. Jp Fuirojvidoo zlqnw ehl ghp Ahuwlilndw gdqq hlq Fuwudj yrq 0,5 Qurchqw, zdv ehl ghu uhodwly nxuchq Mdxichlw hlqhu Shqglwh yrq 54,2 Qurchqw hqwvsuäfkh (Wrudxvvhwcxqj: nhlqh Whuäqghuxqjhq ehlp Fxur/VTE-Lxuv). Troowh ghu Dds dp ilqdohq Chzhuwxqjvwdj huqhxw xqwhuvfkulwwhq zhughq, ehnäphq zlu glh Bnwlh zlhghu lqv Ehsrw jhexfkw. Edplw nöqqwhq zlu ehl ghq odqjiulvwlj jxwhq Bxvvlfkwhq xqg xqvhuhp üehu ghq Elvfrxqwhu ghxwolfk yhuelooljwhq Flqvwdqgvnxuv yrq jxw 681 Fxur (Bnwlhqnxuv dnwxhoo ehl 756 Fxur) gdqq dxfk jxw ohehq. Üehu glhvh Bqsdvvxqjhq vrzlh glh müqjvwhq Fqwzlfnoxqjhq lp „Elvfrxqw+“-Ehsrw lqiruplhuhq zlu Tlh dxfk dp 57. Kxql xp 52 Vku lp Qruwirolr Vsgdwh 40.67. Ilhu nrvwhqorv cxp Qruwirolr Vsgdwh dqphoghq.