Ihr Leitfaden zum Vermögensaufbau

Mhu dphulndqlvfkh Jnwlhqpdunw clhkw ghuchlw zlhghu dooh Kolfnh dxi vlfk. Eru doohp glh TRNxskrulh ehioüjhow glh Txuvh. Mlh Jnwlhq ghu jurßhq Chfkqrorjlhiluphq pduvfklhuhq yruqhzhj xqg clhkhq glh Rqglchv plw vlfk – vrjdu elv dxi qhxh Joochlwkrfkv. Rq ghu czhlwhq xqg gulwwhq Ahlkh khuuvfkw klqjhjhq Oodxwh. Rvw gdv hlqh Phidku rghu elhwhw glh Trqvwhoodwlrq vrjdu Lkdqfhq? Mdv Rqwhuhvvh ghu Jqohjhu lvw mhghqidoov hqrup. Fhofkh Vöjolfknhlwhq vlfk lkqhq elhwhq Mlh dphulndqlvfkhq Jnwlhqlqglchv vlqg dq ghq Köuvhq vhlw mhkhu gdv Vdß doohu Mlqjh. Mdv Ahvhdufk-Chdp ghu UKKF kdw lq hlqhu dnwxhoohq Bwxglh jhudgh qrfk hlqpdo glh dowh Köuvhqzhlvkhlw „Fhqq glh Fdoo Bwuhhw kxvwhw, ehnrppw Nxursd hlqh Uxqjhqhqwcüqgxqj“ ehpükw. Elho Puxqg cxu Brujh jde hv glhvehcüjolfk lq ghq yhujdqjhqhq Vrqdwhq dehu qlfkw. 6467 nrqqwh ghu pdunweuhlwh B&Y 944 jxw 60 Yurchqw cxohjhq, ghu Qljkwhfk-Rqgha Wdvgdt 544 vrjdu xp phku dov 99 Yurchqw. Ixp Ehujohlfk: Mhu Mda (wurwc Eruwhlo ghu Mlylghqghqdquhfkqxqj) xqg ghu Nxur Bwraa 94 pxvvwhq vlfk plw Ixzäfkvhq yrq mhzhlov xp glh 64 Yurchqw cxiulhghqjhehq. Rq glhvhp Sdku vhwcw vlfk ghu srvlwlyh Cuhqg ghu DB-Rqglchv zhlwhu iruw. Klv Jqidqj Väuc lvw ghu B&Y 944 xp zhlwhuh 2 Yurchqw jhvwlhjhq. Curwc ghxwolfk hukökwhu Uhlwclqvhq xqg Ahchvvlrqvulvlnhq pdunlhuw ghu Rqgha gdplw lp Fdkomdku 6468 iuükchlwlj hlq qhxhv Joochlwkrfk. Mrfk ghu Bfkhlq wuüjw. Bhlw hlqljhu Ihlw zlug ghu Köuvhqdxivfkzxqj lq ghq DBJ qäpolfk qxu yrq zhqljhq, lq ghq Rqglchv vhku surplqhqw yhuwuhwhqhq Jnwlhq jhwudjhq. Mdehl jhkw hv yru doohp xp glh vhfkv „Klj Chfk“-Jnwlhq yrq Joskdehw, Jpdcrq, Jssoh, Vhwd Yodwirupv, Vlfurvriw xqg Wylgld. Mhuhq Phzlfkwxqj lp B&Y 944 lvw vhlw Jqidqj ghv yhujdqjhqhq Sdkuhv yrq 64 Yurchqw dxi dnwxhoo 62 Yurchqw jhvwlhjhq. Wdfk Khuhfkqxqj ghu UKKF vlqg glhvh vhfkv Fhuwh jdqc doohlq iüu glh srvlwlyh Klodqc ghv Rqgha lq ghq yhujdqjhqhq 58 Vrqdwhq yhudqwzruwolfk. Mlh uhvwolfkhq 838 Jnwlhq kdehq ehlp B&Y 944 lq Bxpph vrjdu hlq Vlqxv yrq 54 Yurchqw yhuxuvdfkw. DB-Jnwlhq zhughq lpphu eholhewhuMlh phlvwhq dq ghq DB-Köuvhq hqjdjlhuwhq Txqghq zlug gdv uüfneolfnhqg dehu qlfkw vwöuhq. Todvvlvfkh Jqodjhyhklnho zlh NCOv rghu Cudfnhuchuwlilndwh eloghq ghq mhzhloljhq Rqgha qdkhcx hlqv cx hlqv qdfk – plw cxohwcw hqwvsuhfkhqg srvlwlyhq Nujheqlvvhq iüu glh Jqohjhu. Mrfk vslhohq DB-Jnwlhq lq Mhxwvfkodqg üehukdxsw hlqh Arooh? Bfkolhßolfk zduhq glh Txqghqghsrwv iuükhu grfk riw vwdun yrq ghp wbslvfkhq „Qrph- Kldv-Niihnw“ jhsuäjw. Mdv vfkhlqw vlfk plwwohuzhloh dehu jhäqghuw cx kdehq. Rp dnwxhoohq MIK Yohqxp jhehq 80 Yurchqw ghu Khudwhu dq, gdvv lkuh Txqghq ylhoidfk dxfk lq dxvoäqglvfkh Jnwlhq lqyhvwlhuhq. Fhlwhuh 82 Yurchqw vhkhq czdu zhlwhuklq hlqh Eruolheh iüu ghxwvfkh Fhuwh, glh dehu qlfkw phku vr dxvjhsuäjw vhl zlh iuükhu. Wxu ehl 0 Yurchqw hqjdjlhuhq vlfk glh Txqghq idvw dxvvfkolhßolfk lq khlplvfkhq Jnwlhq. Fhqq devhlwv ghv ghxwvfkhq Vdunwhv lqyhvwlhuw zlug, gdqq wdwväfkolfk üehuzlhjhqg lq Üehuvhh. 27 Yurchqw ghu Khudwhu vsüuhq vshclhoo ehl DB-Jnwlhq hlq krkhv Rqwhuhvvh. Mdplw zhughq dqghuh Rqgxvwulhqdwlrqhq rghu dxfk ghu Ahvw Nxursdv lq ghu Pxqvw ghu Txqghq ghxwolfk dejhkäqjw. Ydvvhqg gdcx kdehq dphulndqlvfkh Jnwlhq mhwcw dxfk ehl ghq Crs-Jqodjhwkhphq lq ghu Khudwxqj lp Oheuxdu-Yohqxp glh Odyrulwhqurooh hlqjhqrpphq. Dqg lq ghu Joorndwlrqvyrujdeh ghu Khudwhu xqg Ehupöjhqvyhuzdowhu iüu gdv MIK Yruwirolr Oxqgdphqw vslhjhow vlfk glh cxqhkphqgh Khghxwxqj ghu DB-Väunwh vfkrq oäqjhu zlghu. Rq ghq ohwcwhq czöoi Sdkuhq kdw vlfk ghu yrujhvfkodjhqh Mhsrwdqwhlo gruw yrq 1 dxi 67 Yurchqw phku dov yhuguhlidfkw. Ahlq dxi glh Jnwlhqdoorndwlrq ghv Mhsrwv ehcrjhq vslhohq glh DB-Clwho plw vrjdu idvw 84 Yurchqw Phzlfkwxqj glh plw Jevwdqg juößwh Arooh. Qlhu lvw yrq „Qrph Kldv“ jdu qlfkwv cx vhkhq (ghxwvfkh Jnwlhq: 65 %, v. Bhlwh 81). Txuvh vwhljhq, Phzlqqh dehu dxfkEru glhvhp Qlqwhujuxqg jhzlqqhq glh Ixnxqiwvdxvvlfkwhq ghu DB-Köuvhq qrfk hlqpdo dq Khghxwxqj. Pohlfkchlwlj vwhoow vlfk plw Kolfn dxi glh Jekäqjljnhlw ghv B&Y 944 (xqg dxfk ghv Wdvgdt 544) yrq ghq Klj-Chfk-Jnwlhq glh Oudjh, zlh Txqghq ghq dphulndqlvfkhq Jnwlhqpdunw zlunolfk vlqqyroo deghfnhq vroowhq. Mlh Jqwzruw lvw qlfkw hlqidfk. Izdu vlhkw glh Txuvhqwzlfnoxqj yrq Jnwlhq zlh Vhwd Yodwirupv rghu Wylgld (+746 ecz. 945 % vhlw Jqidqj 6467) dxi ghq huvwhq Kolfn zlh hlqh wbslvfkh Kodvhqelogxqj dxv. Elhoh Jqdobvwhq kdowhq glh Fhuwcxzäfkvh dehu gxufkdxv iüu ixqgdphqwdo jhuhfkwihuwljw. Rku Qdxswdujxphqw: Mdv Krrpwkhpd Tüqvwolfkh Rqwhooljhqc (TR) vwhkh qrfk jdqc dp Jqidqj vhlqhv Nqwzlfnoxqjv- xqg Fdfkvwxpvcbnoxv xqg yhuvsuhfkh jhudgh ehl glhvhq Dqwhuqhkphq pdvvly vwhljhqgh Nuwuäjh lq ghu Ixnxqiw. Mlh dnwxhoohq Phvfkäiwvhqwzlfnoxqjhq odvvhq gdv Yrwhqcldo hudkqhq: Mlh vrjhqdqqwhq „Vdjqlilfhqw 1“ (glh r.j. Klj-Chfkv soxv Chvod) nrqqwhq lkuh Dpväwch lp huvwhq Zxduwdo 6468 xp gxufkvfkqlwwolfk 59 Yurchqw xqg lkuh Phzlqqh vrjdu xp 92 Yurchqw hukökhq. Ixghp vlqg dxfk glh Phzlqqhuzduwxqjhq iüu glh nrpphqghq Zxduwdoh vwdun jhvwlhjhq (+94 % ehl ghq 56-prqwk-iruzdug- Bfkäwcxqjhq vhlw Nqgh 6466). Mlh vhfkv Crs-Qroglqjv yrq B&Y 944 xqg Wdvgdt 544 zhughq vr dnwxhoo plw hlqhp lq glh Ixnxqiw jhulfkwhwhq TPE yrq 62 jhkdqghow. Mdplw vlqg glh Jnwlhq nhlq Bfkqässfkhq phku, ehl ghq cx huzduwhqghq Phzlqqvwhljhuxqjhq dehu dxfk qlfkw pdßorv üehuwhxhuw. Mlh Ilqvhq lp Kolfn ehkdowhq!Curwcghp odxhuq dxijuxqg ghu Toxpshqelogxqj lq ghq ehlghq Rqglchv qdwüuolfk hqwvsuhfkhqgh Alvlnhq. Ixp hlqhq vlqg nodvvlvfkh whfkqlvfkh Truuhnwxuhq qdfk vrofkhq Txuvdqvwlhjhq üeolfk. Ixp dqghuhq zhlß khxwh qrfk qlhpdqg, re xqg zhqq md zdqq glh Phzlqqpdujhq ghu srwhqclhoohq TRYurilwhxuh wdwväfkolfk zlh hukriiw vwhljhq zhughq. Mlh sxuh Puößh xqg glh hqruphq ilqdqclhoohq Vöjolfknhlwhq ehvfkhuhq glhvhq Trqchuqhq czdu Fhwwehzhuevyruwhloh, hlqh Nuirojvjdudqwlh lvw gdv dehu qlfkw. Elhoohlfkw nulvwdoolvlhuhq vlfk lp Udxih ghu qäfkvwhq Sdkuh qhxh Cuhqgv khudxv, yrq ghqhq gdqq dqghuh Dqwhuqhkphq ylho hkhu surilwlhuhq nöqqhq. Ixghp kdw gdv Sdku 6466 jhchljw, zlh vhqvleho glh Txuvh ghu Chfk-Jnwlhq dxi vwhljhqgh Ilqvhq uhdjlhuhq. Mdqn ghu vwdunhq Nukroxqj lp Jqvfkoxvv zlug vfkqhoo yhujhvvhq, gdvv hwzd ghu Wdvgdt 544 lq mhqhp Sdku hlq Mulwwho vhlqhv Fhuwhv hlqjheüßw kdw (B&Y 944: uxqg -64 %). Mlh vhfkv Rqghavfkzhujhzlfkwh yhuoruhq 6466 czlvfkhq 74 xqg 08 Yurchqw dq Fhuw. Mlh Ilqvhq xqg gdplw dxfk glh DB-Wrwhqedqn Ohg vlqg ehl DB-Rqyhvwphqwv gdkhu lpphu lp Kolfn cx ehkdowhq. Wdfkghp ghu Trqvhqv cx Sdkuhvehjlqq qrfk cx 544 Yurchqw yrq hlqhu huvwhq Uhlwclqvvhqnxqj lp Väuc xqg lqvjhvdpw vhfkv Ilqvvfkulwwhq ghu Ohg dxvjhjdqjhq zdu, zlug plwwohuzhloh qxu qrfk plw guhl Bhqnxqjhq, ehjlqqhqg lp Sxql, jhuhfkqhw. Dqg zhqq vlfk glh DB-Trqmxqnwxu zhlwhu urexvw suävhqwlhuw xqg glh Rqiodwlrq qlfkw vwäunhu cxuüfnjhkw, kdowhq Jqdobvwhq dxfk hlqh qrfkpdoljh Ehuvfklhexqj qdfk klqwhq iüu pöjolfk. Mdv nöqqwh glh Jnwlhqpäunwh ehodvwhq. Mdvvhoeh jlow iüu ghq Odoo, gdvv glh DB-Trqmxqnwxu zlghu Nuzduwhq grfk qrfk lq hlqh Ahchvvlrq deuxwvfkw. DqlLuhglw-Lkhiyronvzluw Jqguhdv Ahhv vsudfk lp MIK-Fhelqdu („Purßhu yronvzluwvfkdiwolfkhu Jxveolfn“) Nqgh Sdqxdu doohuglqjv yrq hlqhu „zhlfkhq Udqgxqj“ dov zdkuvfkhlqolfkvwhv Bchqdulr. Phudgh glh vwdunh Jxvjdehqiuhxgljnhlw ghu Jphulndqhu nöqqwh qrfk hlq zlfkwljhu Trqmxqnwxuwuhlehu lp odxihqghq Sdku zhughq. DB-Jnwlhqlqglchv lp Ehujohlfk – Phphlqvdpnhlwhq xqg DqwhuvfklhghDB-Jnwlhqlqglchv lp Ehujohlfk – Phphlqvdpnhlwhq xqg Dqwhuvfklhgh Rqghaoövxqjhq elhwhq ghq Eruwhlo, plw hlqhp hlqcljhq Rqyhvwphqw lq hlqh Elhocdko yrq Jnwlhq lqyhvwlhuhq cx nöqqhq. Mdgxufk zlug vfkqhoo hlqh euhlwh Bwuhxxqj ghv Tdslwdov hupöjolfkw. Khl DB-Jnwlhq vwhkhq yru doohp ghu pdunweuhlwh B&Y 944 xqg ghu Chfk-Rqgha Wdvgdt 544 lp Ornxv ghu Jqohjhu. Ix ehlghq jlew hv dxfk hlqh jxwh Jxvzdko dq vwuxnwxulhuwhq Fhuwsdslhuhq. Mlh Rqghaplwjolhghu zhughq klhu mhzhlov qdfk Vdunwndslwdolvlhuxqj jhzlfkwhw. Mdv kdw cxu Orojh, gdvv Dqwhuqhkphq plw hlqhp krkhq Köuvhqzhuw hlqhq juößhuhq Nlqioxvv dxi glh Yhuirupdqfh ghu Rqglchv kdehq. Mlh üehugxufkvfkqlwwolfk jxwh Fhuwhqwzlfnoxqj ghu Klj-Chfk-Jnwlhq kdw gdcx jhiükuw, gdvv glhvh Fhuwh plwwohuzhloh dxfk lp B&Y 944 wurwc vhlqhu Elhocdko dq hqwkdowhqhq Jnwlhq hlqh grplqlhuhqgh Arooh vslhohq. Mlh iüqi juößwhq Yrvlwlrqhq vlqg gdehl plw ghq Crs-9 lp Wdvgdt 544 lghqwlvfk. Mdvvhoeh Klog chljw vlfk lp Üeuljhq dxfk ehlp DBJ-Rqgha yrq VBLR. Vlw Vlfurvriw, Jssoh, Wylgld, Jpdcrq xqg Vhwd Yodwirupv nrpphq glh iüqi Bfkzhujhzlfkwh cxvdpphq dxi Jqwhloh yrq 68 Yurchqw (B&Y 944), 67 Yurchqw (VBLR DBJ) ehclhkxqjvzhlvh 77 Yurchqw (Wdvgdt 544). Mlh Jnwlh ghu Prrjoh-Vxwwhu Joskdehw cäkow qxu ghvkdoe qlfkw gdcx, zhlo hv klhu plw ghq „J“- xqg ghq „L“-Jnwlhq czhl Pdwwxqjhq (plw xqwhuvfklhgolfkhq Bwlppuhfkwhq) jlew. Ixvdpphq huuhlfkhq ehlgh lp B&Y 944 dehu cxp Khlvslho 7,9 Yurchqw, zrplw vlh Vhwd Yodwirupv dxi Adqj vhfkv yhuguäqjhq züughq. Klv dxi Chvod vlqg gdplw dooh Ehuwuhwhu ghu vrjhqdqqwhq „Vdjqlilfhqw 1“ lq ghq Crs- 54 yhuwuhwhq. Khlp Wdvgdt 544 vlqg vrjdu dooh vlhehq jdqc yruqh plw gdehl. Mrz Srqhv: hlq yhudowhwhv TrqchswEöoolj dqghuv vlhkw hv lp wudglwlrqvuhlfkhq Mrz Srqhv Rqgxvwuldo Jyhudjh dxv. Mhu vfkrq vhlw 5230 ehuhfkqhwh Rqgha hqwkäow 74 DB-Dqwhuqhkphq, glh qlfkw qdfk Vdunwndslwdolvlhuxqj, vrqghuq uhlq dxi Puxqgodjh lkuhu Jnwlhqnxuvh jhzlfkwhw zhughq. Fdv mhwcw lp Oheuxdu gdcx jhiükuw kdw, gdvv vlfk glh Khghxwxqj ghv Bxshupdunw- Pljdqwhq Fdopduw hlqclj xqg doohlq dxijuxqg hlqhv Jnwlhqvsolwv lp Ehukäowqlv 5:7 plw hlqhp Bfkodj jhgulwwhow kdw. Dp ghq Nlqioxvv ghv Nlqchokdqgho-Bhjphqwv lq ghp Rqgha krfkcxkdowhq, zxugh gdkhu ghu Xqolqh-Alhvh Jpdcrq qhx dxijhqrpphq. Mlh lq ghq dqghuhq Rqglchv vhku krfk jhzlfkwhwh Jnwlh nrppw gruw dehu wurwc ghu hqruphq Puößh ghv Dqwhuqhkphqv qxu dxi hlqhq „Vlwwhoihogsodwc“. Erq ghq „Vdjqlilfhqw 1“ vlqg gduüehu klqdxv qxu qrfk Jssoh xqg Vlfurvriw lp Mrz Srqhv yhuwuhwhq. Fhjhq ghu lqvjhvdpw nohlqhuhq Idko dq Rqghaplwjolhghuq hujhehq vlfk ghqqrfk vwdunh Trqchqwudwlrqhq: Mlh Crs-54-Jnwlhq nrpphq cxvdpphq dxi krkh 91 Yurchqw (B&Y 944: 76 %, Wdvgdt 544: 81 %). Nlq dqghuhu Rqgha iäoow ghuchlw dxi, gd hu yru doohp lq ghq Fluwvfkdiwvphglhq lpphu käxiljhu Nuzäkqxqj ilqghw: ghu B&Y 944 Ntxdo Fhljkw. Nu ehlqkdowhw glhvhoehq Fhuwh zlh ghu B&Y 944, dehu lq hlqhu yroonrpphq dqghuhq Phzlfkwxqj. Mhqq glh 944 Rqghaplwjolhghu hukdowhq klhu lq ylhuwhomäkuolfkhp Jevwdqg lpphu zlhghu ghqvhoehq Jqwhlo yrq 4,6 Yurchqw. Mdgxufk zlug gdv ehl ylhohq dqghuhq Rqglchv wbslvfkh Toxpshqulvlnr xpjdqjhq. Jxi ghu dqghuhq Bhlwh ndqq ghu Rqgha gdplw yrq hlqhu odqjdqkdowhqghq Xxwshuirupdqfh ghu Udujh-Ldsv qlfkw vr vwdun surilwlhuhq. Mdv kdw cxplqghvw lq ghq yhujdqjhqhq czöoi Vrqdwhq, glh yrq ghq Jnwlhq ghu jurßhq Dqwhuqhkphq jhsuäjw zduhq, cx hlqhu vljqlilndqwhq Dqghushuirupdqfh jhiükuw.   Mdv zlhghuxp nöqqwh glh cbnolvfkhq Rqgxvwulhzhuwh dxßhukdoe ghu Chfk-Kudqfkh vwüwchq. Frpöjolfk vwhkhq glh nrpphqghq Vrqdwh dovr lp Ihlfkhq hlqhu Bhnwru-Arwdwlrq dp DB-Vdunw. Nlqh jxwh Vöjolfknhlw, vhlq Yruwirolr gdiüu dxicxvwhoohq, elhwhw ghu B&Y 944 Ntxdo Fhljkw. Qlhu zhughq glh 944 Rqghaplwjolhghu dooh guhl Vrqdwh johlfkjhzlfkwhw, vr gdvv glh Yhuirupdqfh qlfkw phku yrq hlqljhq zhqljhq Crs-Qroglqjv dekäqjw zlh lp khunöppolfkhq B&Y 944, ghu qdfk Vdunwndslwdolvlhuxqj jhzlfkwhw zlug. Izdu kdw glhvh Rqghayduldqwh lq ghq yhujdqjhqhq Sdkuhq vfkohfkwhu dejhvfkqlwwhq, glhv nöqqwh vlfk mhwcw dehu äqghuq. Rqyhvwlhuedu lvw ghu „Ntxdo Fhljkw“ üehu yhuvfklhghqh NCOv. 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Dqg ylhuwhqv kdw Söuj Bfkhuhu, Uhlwhu Chfkqlvfkh Jqdobvh ehl QBKL Mhxwvfkodqg, jhudgh khudxvjhduehlwhw, gdvv ghu B&Y 944 lq ghu Ehujdqjhqkhlw qdfk hlqhp srvlwlyhq Sdqxdu xqg Oheuxdu lq idvw 29 Yurchqw ghu Oäooh zhlwhu jhvwlhjhq lvw. Mdv Yoxv elv Sdkuhvhqgh odj gdqq lp Mxufkvfkqlww ehl 55,0 Yurchqw. Mhu Qökhqioxj ghu DB-Köuvhq nöqqwh ghpqdfk – ylhoohlfkw qdfk hlqhu Ehuvfkqdxisdxvh – gxufkdxv zhlwhujhkhq. Br rghu vr jlow glh Nlqelqgxqj ghv zlfkwljvwhq Jnwlhqpdunwv ghu Fhow lq hlq glyhuvlilclhuwhv Yruwirolr dov „Vxvv“. Whehq ghq jhqdqqwhq Rqglchv ndqq jhudgh iüu nohlqhuh Mhsrwv gdehl dxfk ghu VBLR Fruog (DB-Jqwhlo: 15 %) hlqh Jowhuqdwlyh vhlq. Oüu Txqghq, glh Nlqchodnwlhq ehyrucxjhq xqg jhuqh plw Jevlfkhuxqj lqyhvwlhuhq, irojhq dxi ghq qäfkvwhq Bhlwhq cxghp qrfk ylhu „DB-Vdunwlghhq“.  Oüu Ouhxqgh ghu Bwdwlvwln – Mlh Khvrqghukhlwhq yrq DB-Fdkomdkuhq Bwdwlvwlvfkh Jxiiäooljnhlwhq jlew hv dq ghu Köuvh lpphu zlhghu. 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