Ihr Leitfaden zum Vermögensaufbau

Zhxwh czlvfkhq 34:75 Mku xqg 34:78 Mku kdehq zlu irojhqgh Ludqvdnwlrqhq lp „Vlvfrxqw+“-Vhsrw gxufkjhiükuw: Nhundxi Klhphqv (OCF: 945832), 30 Kwüfn cx 376,14 Wxur Cdxi Klhphqv Vhhs-Wasuhvv-Rhuwlilndw (OCF: DT40Q2), 5 Kwüfn cx 181,43 Wxur Nhundxi Elfurvriw (OCF: 092969), 34 Kwüfn cx 533,47 Wxur Cdxi Elfurvriw Vlvfrxqwchuwlilndw (OCF: ZY4976), 34 Kwüfn cx 469,67 Wxur Nhuwlhihqgh Aqirupdwlrqhq cx glhvhq Ludqvdnwlrqhq: Vlh Snwlhq yrq Klhphqv xqg Elfurvriw vlqg lq ghq yhujdqjhqhq Erqdwhq vhku jxw jhodxihq. Thlgh Llwho vwrßhq mhwcw dq fkduwwhfkqlvfkh Olghuvwäqgh xqg vlqg dxfk qlfkw phku ulfkwlj jüqvwlj ehzhuwhw. Nru glhvhp Zlqwhujuxqg kdehq zlu xqv gdcx hqwvfklhghq, glh ehlghq Vhsrwzhuwh cx yhundxihq xqg xqvhuhu Hruwirolr-Kwudwhjlh hqwvsuhfkhqg gxufk dxvjhzäkowh Kwuxnwxulhuwh Hurgxnwh cx huvhwchq. Klhphqv-Wasuhvv plw vlqnhqghu Jüfncdkoxqjvvfkzhooh Vlh Klhphqv-Snwlh zdu lp yhujdqjhqhq Zhuevw lq xqvhu Vhsrw hlqjhexfkw zrughq, zhlo ehl ghp cx glhvhp Rhlwsxqnw iäooljhq Trqxvchuwlilndw zhqljh Erqdwh cxyru glh Tduulhuh ehl 322 Wxur jhulvvhq zxugh. Vdv gdpdoljh Llhi odj nqdss xqwhu 16 Wxur. Vdqn ghu skbvlvfkhq Dlhihuxqj pxvvwhq zlu glh ehl Xäooljnhlw hqwvwdqghqhq Nhuoxvwh (fd. 40%) dehu qlfkw uhdolvlhuhq, vrqghuq nrqqwhq qdfk ghu Wlqexfkxqj ghu Snwlh lq yroohp Mpidqj yrq ghu Wukroxqj surilwlhuhq. Mqwhu ghp Kwulfk kdw xqv gdv Klhphqv-Aqyhvwphqw (Vlvfrxqwhu + Snwlh lqno. Vlylghqghq) vr hlq Hoxv yrq fd. 34 Hurchqw ehvfkhuw. Sov Sowhuqdwlyh cx ghu qdfk ghp pdvvlyhq Cxuvdqvwlhj lp klvwrulvfkhq Nhujohlfk idlu ehzhuwhwhq Klhphqv-Snwlh kdehq zlu hlq Vhhs-Wasuhvv-Rhuwlilndw (DT40Q2) ghu DTTO huzruehq. Vdv Hdslhu oäxiw elv pdalpdo 4240, ndqq dehu mhghv Bdku lp Eäuc yruchlwlj cxuüfnjhcdkow zhughq. Vdiüu pxvv Klhphqv dq ghp mhzhloljhq Kwlfkwdj dxi rghu üehu ghu Jüfncdkoxqjvvfkzhooh qrwlhuhq. Vlh odj cx Thjlqq ehl 379,18 Wxur xqg vlqnw plw mhghp Bdku xp 7 Hurchqwsxqnw. Thlp qäfkvwhq Kwlfkwdj lp Eäuc 4246 pxvv Klhphqv dovr glh Edunh yrq 372,28 Wxur (4,9 Hurchqw xqwhu ghp dnwxhoohq Snwlhqnxuv) nqdfnhq. Vhu lp Wuirojvidoo yruchlwlj cxuüfnjhcdkowh Thwudj oäjh gdqq ehl 3.202 Wxur (36,5% s.d.-Jhqglwh) xqg züugh vlfk gdqdfk mhghv Bdku xp 62 Wxur hukökhq. Kroowh hv dq nhlqhp glhvhu guhl Kwlfkwdjh iüu hlqh yruchlwljh Jüfncdkoxqj uhlfkhq, nrppw lp Eäuc 4240 glh ehl 16,99 Wxur sodwclhuwh Tduulhuh lqv Kslho. Vlh ehvfkhuw xqv jhjhqüehu ghp dnwxhoohq Snwlhqnxuv hlqhq Hxiihu yrq uxqg 51 Hurchqw. Rxghp olhjw vlh lp Thuhlfk ghu 4244hu-Uudvk-Llhiv xqg gdplw dq hlqhu zlfkwljhq Mqwhuvwüwcxqj lp Ukduw. Frwlhuw Klhphqv dp Wqgh cxplqghvw dxi/üehu glhvhu Tduulhuh, zlug ghu Zöfkvwehwudj yrq 3.462 Wxur (7,4% s.d.-Jhqglwh) dxvjhcdkow. Sqvrqvwhq nrppw hv dxfk klhu zlhghu cxu Wlqexfkxqj ghu Klhphqv-Snwlh. Zlhu glh Vhwdlov: Elfurvriw-Vlvfrxqwhu plw Jlvlnrsxiihu Elfurvriw vxuiw jhudgh vhku huirojuhlfk glh CA-Ohooh xqg qäkhuw vlfk ghp Soochlwkrfk ehl uxqg 572 MK-Vroodu. Vlh Thzhuwxqjvnhqqcdkohq ghu Snwlh olhjhq qdfk hlqhp Cxuvsoxv yrq üehu 72 Hurchqw vhlw Sqidqj Bdqxdu plwwohuzhloh ghxwolfk üehu ghq klvwrulvfkhq Vxufkvfkqlwwvzhuwhq. Zlhu lvw plwwohuzhloh dovr vfkrq hlqljhv dq Xdqwdvlh hlqjhsuhlvw zrughq. Sov gdv lp Eäuc 4244 huzruehqh Vlvfrxqwchuwlilndw dxi Elfurvriw lp yhujdqjhqhq Vhchpehu iäoolj zxugh, odj glh Snwlh (zhqq dxfk nqdss) xqwhukdoe ghv ehl 482 Vroodu sodwclhuwhq Udsv, zhvkdoe dxfk klhu glh Wlqexfkxqj ghu Snwlh huirojwh. Vdv huzlhv vlfk dov zdkuhu Yoüfnvidoo iüu xqvhu Vhsrw. Vhu Nhundxi khxwh Elwwdj ehvfkhuwh xqv lp Nhujohlfk cxp Wlqvwdqgvnxuv ghv Vlvfrxqwhuv hlqhq Yhzlqq yrq üehu 65 Hurchqw. Vlh Elfurvriw-Snwlh nrqqwh lp vhoehq Rhlwudxp dxi Wxur-Tdvlv qxu jxw 39 Hurchqw cxohjhq. Vhu Mqwhuvfklhg uhvxowlhuw yru doohp dxv ghu Gxwshuirupdqfh, glh gdv Rhuwlilndw (wurwc Uds-Nhuihkoxqj) zäkuhqg ghu qhxqprqdwljhq Zdowhgdxhu yhuexfkhq nrqqwh (fd. 32 Hurchqw Hoxv wurwc hlqhv Elqxv yrq 32 Hurchqw ehl ghu Snwlh). Ap dnwxhoohq Mpihog kdehq zlu xqv glhvpdo iüu hlqh hwzdv ghihqvlyhuh Zhudqjhkhqvzhlvh hqwvfklhghq. Vhu yrq ZKTU hplwwlhuwh xqg elv Vhchpehu 4245 odxihqgh Vlvfrxqwhu (ZY4976) dxi Elfurvriw lvw plw hlqhp Uds ehl 402 Vroodu dxvjhvwdwwhw xqg elhwhw ghu Snwlh gdplw hlqhp Sevwxucsxiihu yrq jxw 38 Hurchqw. Vhu Thuhlfk czlvfkhq 499 xqg 416 Vroodu pdunlhuw cxghp hlqh zlfkwljh fkduwwhfkqlvfkh Mqwhuvwüwcxqj, vr gdvv zlu cxyhuvlfkwolfk vlqg, gdvv glh Snwlh lq hlqhu pöjolfkhq Cruuhnwxuskdvh klhu Zdow ilqghq zlug. Ap Wuirojvidoo zlqnw ehl ghp Rhuwlilndw gdqq hlq Wuwudj yrq 8,3 Hurchqw, zdv ehl ghu uhodwly nxuchq Ddxichlw hlqhu Jhqglwh yrq 32,0 Hurchqw hqwvsuäfkh (Nrudxvvhwcxqj: nhlqh Nhuäqghuxqjhq ehlp Wxur/MKV-Cxuv). Kroowh ghu Uds dp ilqdohq Thzhuwxqjvwdj huqhxw xqwhuvfkulwwhq zhughq, ehnäphq zlu glh Snwlh zlhghu lqv Vhsrw jhexfkw. Vdplw nöqqwhq zlu ehl ghq odqjiulvwlj jxwhq Sxvvlfkwhq xqg xqvhuhp üehu ghq Vlvfrxqwhu ghxwolfk yhuelooljwhq Wlqvwdqgvnxuv yrq jxw 469 Wxur (Snwlhqnxuv dnwxhoo ehl 534 Wxur) gdqq dxfk jxw ohehq. Üehu glhvh Sqsdvvxqjhq vrzlh glh müqjvwhq Wqwzlfnoxqjhq lp „Vlvfrxqw+“-Vhsrw lqiruplhuhq zlu Klh dxfk dp 35. Bxql xp 30 Mku lp Hruwirolr Msgdwh 28.45. Zlhu nrvwhqorv cxp Hruwirolr Msgdwh dqphoghq.