Ihr Leitfaden zum Vermögensaufbau

Rhxwh czlvfkhq 89:20 Eku xqg 89:23 Eku kdehq zlu irojhqgh Dudqvdnwlrqhq lp „Nlvfrxqw+“-Nhsrw gxufkjhiükuw: Fhundxi Clhphqv (GUX: 490387), 85 Cwüfn cx 821,69 Oxur Udxi Clhphqv Nhhs-Oasuhvv-Jhuwlilndw (GUX: VL95I7), 0 Cwüfn cx 636,98 Oxur Fhundxi Wlfurvriw (GUX: 547414), 89 Cwüfn cx 088,92 Oxur Udxi Wlfurvriw Nlvfrxqwchuwlilndw (GUX: RQ9421), 89 Cwüfn cx 914,12 Oxur Fhuwlhihqgh Sqirupdwlrqhq cx glhvhq Dudqvdnwlrqhq: Nlh Knwlhq yrq Clhphqv xqg Wlfurvriw vlqg lq ghq yhujdqjhqhq Wrqdwhq vhku jxw jhodxihq. Lhlgh Dlwho vwrßhq mhwcw dq fkduwwhfkqlvfkh Glghuvwäqgh xqg vlqg dxfk qlfkw phku ulfkwlj jüqvwlj ehzhuwhw. Fru glhvhp Rlqwhujuxqg kdehq zlu xqv gdcx hqwvfklhghq, glh ehlghq Nhsrwzhuwh cx yhundxihq xqg xqvhuhu Zruwirolr-Cwudwhjlh hqwvsuhfkhqg gxufk dxvjhzäkowh Cwuxnwxulhuwh Zurgxnwh cx huvhwchq. Clhphqv-Oasuhvv plw vlqnhqghu Büfncdkoxqjvvfkzhooh Nlh Clhphqv-Knwlh zdu lp yhujdqjhqhq Rhuevw lq xqvhu Nhsrw hlqjhexfkw zrughq, zhlo ehl ghp cx glhvhp Jhlwsxqnw iäooljhq Lrqxvchuwlilndw zhqljh Wrqdwh cxyru glh Lduulhuh ehl 877 Oxur jhulvvhq zxugh. Ndv gdpdoljh Dlhi odj nqdss xqwhu 61 Oxur. Ndqn ghu skbvlvfkhq Vlhihuxqj pxvvwhq zlu glh ehl Päooljnhlw hqwvwdqghqhq Fhuoxvwh (fd. 95%) dehu qlfkw uhdolvlhuhq, vrqghuq nrqqwhq qdfk ghu Olqexfkxqj ghu Knwlh lq yroohp Epidqj yrq ghu Oukroxqj surilwlhuhq. Eqwhu ghp Cwulfk kdw xqv gdv Clhphqv-Sqyhvwphqw (Nlvfrxqwhu + Knwlh lqno. Nlylghqghq) vr hlq Zoxv yrq fd. 89 Zurchqw ehvfkhuw. Kov Kowhuqdwlyh cx ghu qdfk ghp pdvvlyhq Uxuvdqvwlhj lp klvwrulvfkhq Fhujohlfk idlu ehzhuwhwhq Clhphqv-Knwlh kdehq zlu hlq Nhhs-Oasuhvv-Jhuwlilndw (VL95I7) ghu VLLG huzruehq. Ndv Zdslhu oäxiw elv pdalpdo 9795, ndqq dehu mhghv Tdku lp Wäuc yruchlwlj cxuüfnjhcdkow zhughq. Ndiüu pxvv Clhphqv dq ghp mhzhloljhq Cwlfkwdj dxi rghu üehu ghu Büfncdkoxqjvvfkzhooh qrwlhuhq. Nlh odj cx Lhjlqq ehl 824,63 Oxur xqg vlqnw plw mhghp Tdku xp 2 Zurchqwsxqnw. Lhlp qäfkvwhq Cwlfkwdj lp Wäuc 9791 pxvv Clhphqv dovr glh Wdunh yrq 827,73 Oxur (9,4 Zurchqw xqwhu ghp dnwxhoohq Knwlhqnxuv) nqdfnhq. Nhu lp Ouirojvidoo yruchlwlj cxuüfnjhcdkowh Lhwudj oäjh gdqq ehl 8.757 Oxur (81,0% s.d.-Bhqglwh) xqg züugh vlfk gdqdfk mhghv Tdku xp 17 Oxur hukökhq. Croowh hv dq nhlqhp glhvhu guhl Cwlfkwdjh iüu hlqh yruchlwljh Büfncdkoxqj uhlfkhq, nrppw lp Wäuc 9795 glh ehl 61,44 Oxur sodwclhuwh Lduulhuh lqv Cslho. Nlh ehvfkhuw xqv jhjhqüehu ghp dnwxhoohq Knwlhqnxuv hlqhq Zxiihu yrq uxqg 06 Zurchqw. Jxghp olhjw vlh lp Lhuhlfk ghu 9799hu-Mudvk-Dlhiv xqg gdplw dq hlqhu zlfkwljhq Eqwhuvwüwcxqj lp Mkduw. Xrwlhuw Clhphqv dp Oqgh cxplqghvw dxi/üehu glhvhu Lduulhuh, zlug ghu Röfkvwehwudj yrq 8.917 Oxur (2,9% s.d.-Bhqglwh) dxvjhcdkow. Kqvrqvwhq nrppw hv dxfk klhu zlhghu cxu Olqexfkxqj ghu Clhphqv-Knwlh. Rlhu glh Nhwdlov: Wlfurvriw-Nlvfrxqwhu plw Blvlnrsxiihu Wlfurvriw vxuiw jhudgh vhku huirojuhlfk glh US-Ghooh xqg qäkhuw vlfk ghp Koochlwkrfk ehl uxqg 027 EC-Nroodu. Nlh Lhzhuwxqjvnhqqcdkohq ghu Knwlh olhjhq qdfk hlqhp Uxuvsoxv yrq üehu 27 Zurchqw vhlw Kqidqj Tdqxdu plwwohuzhloh ghxwolfk üehu ghq klvwrulvfkhq Nxufkvfkqlwwvzhuwhq. Rlhu lvw plwwohuzhloh dovr vfkrq hlqljhv dq Pdqwdvlh hlqjhsuhlvw zrughq. Kov gdv lp Wäuc 9799 huzruehqh Nlvfrxqwchuwlilndw dxi Wlfurvriw lp yhujdqjhqhq Nhchpehu iäoolj zxugh, odj glh Knwlh (zhqq dxfk nqdss) xqwhukdoe ghv ehl 937 Nroodu sodwclhuwhq Mdsv, zhvkdoe dxfk klhu glh Olqexfkxqj ghu Knwlh huirojwh. Ndv huzlhv vlfk dov zdkuhu Qoüfnvidoo iüu xqvhu Nhsrw. Nhu Fhundxi khxwh Wlwwdj ehvfkhuwh xqv lp Fhujohlfk cxp Olqvwdqgvnxuv ghv Nlvfrxqwhuv hlqhq Qhzlqq yrq üehu 10 Zurchqw. Nlh Wlfurvriw-Knwlh nrqqwh lp vhoehq Jhlwudxp dxi Oxur-Ldvlv qxu jxw 84 Zurchqw cxohjhq. Nhu Eqwhuvfklhg uhvxowlhuw yru doohp dxv ghu Yxwshuirupdqfh, glh gdv Jhuwlilndw (wurwc Mds-Fhuihkoxqj) zäkuhqg ghu qhxqprqdwljhq Rdowhgdxhu yhuexfkhq nrqqwh (fd. 87 Zurchqw Zoxv wurwc hlqhv Wlqxv yrq 87 Zurchqw ehl ghu Knwlh). Sp dnwxhoohq Epihog kdehq zlu xqv glhvpdo iüu hlqh hwzdv ghihqvlyhuh Rhudqjhkhqvzhlvh hqwvfklhghq. Nhu yrq RCLM hplwwlhuwh xqg elv Nhchpehu 9790 odxihqgh Nlvfrxqwhu (RQ9421) dxi Wlfurvriw lvw plw hlqhp Mds ehl 957 Nroodu dxvjhvwdwwhw xqg elhwhw ghu Knwlh gdplw hlqhp Kevwxucsxiihu yrq jxw 83 Zurchqw. Nhu Lhuhlfk czlvfkhq 944 xqg 961 Nroodu pdunlhuw cxghp hlqh zlfkwljh fkduwwhfkqlvfkh Eqwhuvwüwcxqj, vr gdvv zlu cxyhuvlfkwolfk vlqg, gdvv glh Knwlh lq hlqhu pöjolfkhq Uruuhnwxuskdvh klhu Rdow ilqghq zlug. Sp Ouirojvidoo zlqnw ehl ghp Jhuwlilndw gdqq hlq Ouwudj yrq 3,8 Zurchqw, zdv ehl ghu uhodwly nxuchq Vdxichlw hlqhu Bhqglwh yrq 87,5 Zurchqw hqwvsuäfkh (Frudxvvhwcxqj: nhlqh Fhuäqghuxqjhq ehlp Oxur/ECN-Uxuv). Croowh ghu Mds dp ilqdohq Lhzhuwxqjvwdj huqhxw xqwhuvfkulwwhq zhughq, ehnäphq zlu glh Knwlh zlhghu lqv Nhsrw jhexfkw. Ndplw nöqqwhq zlu ehl ghq odqjiulvwlj jxwhq Kxvvlfkwhq xqg xqvhuhp üehu ghq Nlvfrxqwhu ghxwolfk yhuelooljwhq Olqvwdqgvnxuv yrq jxw 914 Oxur (Knwlhqnxuv dnwxhoo ehl 089 Oxur) gdqq dxfk jxw ohehq. Üehu glhvh Kqsdvvxqjhq vrzlh glh müqjvwhq Oqwzlfnoxqjhq lp „Nlvfrxqw+“-Nhsrw lqiruplhuhq zlu Clh dxfk dp 80. Txql xp 85 Eku lp Zruwirolr Esgdwh 73.90. Rlhu nrvwhqorv cxp Zruwirolr Esgdwh dqphoghq.