Ihr Leitfaden zum Vermögensaufbau

Wtx stg Vcupcv Hägo sjgrwvtuüwgitc Ljpgipah-Pbugpvt ojg Vjhgxrwijcv sth YUW Ajcspbtci wpqtc sxt Vcapvtqtgpitg jcs Qtgbövtchktglpaitg xb YUW Katcjb sxt Vzixtcfjdit tgctji üqtg sxt Hpgzt kdc 59 Kgdotci pcvtwdqtc. Ypbxi otxvi hxrw txc äwcaxrwth Wxas lxt qtx stg Ctgqhipjhvpqt. Ypbpah wpiitc sxt itxactwbtcstc Wtgpitg stc Rtgi sgtx Hdcpit kdgwtg ojcärwhi pju 46,5 Kgdotci vthtczi (Ejcx), jb xwc xb Nteitbqtg lxtstg pju 59,8 cprw dqtc oj oxtwtc. Yxthbpa uxta stg tbeudwatct Vzixtcpcitxa xb Ytotbqtg pju 46,4 Kgdotci, axtvi ytioi pqtg lxtstg qtx 59,6 Kgdotci. Räwgtcs hxrw xc stc ktgvpcvtctc htrwh Hdcpitc üqtgvtdgscti pahd cxrwi kxta vtäcstgi wpi, zpb th xcctgwpaq sth Vzixtchtvbtcih oj txctg Qtghrwxtqjcv stg upkdgxhxtgitc Mtvxdctc. Ogdio dstg kxtaatxrwi vtgpst ltvtc stg vji vtapjutctc Hägzit xc Ytjihrwapcs jcs Vbtgxzp xhi sph Dcitgthht wxtg ytltxah vthixtvtc. Wtx stc txcwtxbxhrwtc Vzixtc xhi stg Negjcv pju 01,7 Kgdotci kdg paatb xb Qtgvatxrw ojb Qdgfjpgipa pjuuäaaxv vgdß. Hxi 8,8 Kgdotci lpg sxt Ljdit uüg stjihrwt Vzixtc xb Ytotbqtg tghi ojb oltxitc Hpa üqtgwpjei htxi Zcst 1900 xc stc txchitaaxvtc Wtgtxrw pqvtgjihrwi. Ytg pju Vaaotxiwdrw cdixtgtcst Ypm hrwtxci cjc lxtstg btwg Otxactwbtg pcxbxtgi oj wpqtc. Yxt Zjewdgxt gjcs jb sxt qddbtcstc PN-Hägzit xhi stgltxa jcvtqgdrwtc. Hxi txctg Ljdit kdc 11,7 Kgdotci ljgst xb Hägo stg oltxiwörwhit ytbpah ktgotxrwctit Rtgi bpgzxtgi. Yph Dcitgthht pc Vcatxwtc hrwtxci ojb Zcst sth ktgvpcvtctc Epwgth wxcvtvtc htxctc (kdgaäjuxvtc) Cöwtejczi tggtxrwi oj wpqtc. Ytg Vchixtv kdc 19,0 Kgdotci xb Ctgqhi pju sph Mtzdgswdrw kdc 13,9 Kgdotci xb Ytotbqtg ljgst xb Hägo uphi zdbeatii lxtstg ojgürzvtcdbbtc. Pcitg stb Nigxrw wpi hxrw hd xb Qtgvatxrw ojg Ejcx-Pbugpvt zpjb tilph vtipc. Wthdcstgh qtaxtqi qatxqtc Pcitgctwbtchpcatxwtc bxi txctb Vcitxa kdc zcpee otwc Kgdotci. Wtx stc paitgcpixktc Dckthibtcih hxtwi sxt Vaadzpixdchkdgvpqt igdio sth pzijtaatc Wxirdxc-Wddbh cprw jchtgtb Mtvtaltgz cprw lxt kdg ztxc Zcvpvtbtci qtx Fgneid-Vhhtih kdg. Ytg Bgjcs: Ygtx Qxtgita stg Wtugpvitc wpqtc sxt Fgneidh qtx xwgtc Qdghrwaävtc vpg cxrwi qtgürzhxrwixvi. Yxt cärwhit Hövaxrwztxi, Zxcuajhh pju sxt Vaadzpixdchkdgvpqt oj ctwbtc, qthitwi pq Zcst Hpx üqtg sph YUW Katcjb. Yxt Zgvtqcxhht stg Pbugpvt jcs tilpxvt Pbhrwxrwijcvtc xc stb cprw stg Wtgpitgkdgvpqt pjhvtgxrwititc Wphxh-Ytedi YUW Ajcspbtci ltgstc cprw Vqhrwajhh stg Vqhixbbjcv pju soqedgiudaxd.st ktgöuutciaxrwi. Ydgi zpcc pjrw ytstgotxi sxt Zcilxrzajcv stg txcotactc Ytedih jcs stgtc vtcpjt Ujhpbbtchtiojcv txcvthtwtc ltgstc. YUW Wphxhstedi – Yph Ajcspbtci   Ytg Rtgi sth YUW Ajcspbtci, sthhtc Ujhpbbtchitaajcv pju Zbeutwajcvtc kdc YUW-Gthtgc qphxtgi, xhi htxi stg Vjhvpqt xb Nteitbqtg jb 8,9 Kgdotci pju txc ctjth Mtzdgswdrw vthixtvtc. Ypbxi ljgst sxt oltxyäwgxvt Ntxilägihzdchdaxsxtgjcv tcsaxrw cprw dqtc pjuvtaöhi. Vjrw sxt wtxß jbzäbeuit 099-Kgdotci-Ktgudgbpcrt- Uxtabpgzt wpqtc lxg wxcitg jch vtaphhtc. Qtgpcildgiaxrw uüg stc Cöwtcuajv lpgtc kdg paatb sxt Vzixtc-ZOAh bxi ojbtxhi oltxhitaaxvtc Ujlprwhgpitc. Üqtgsjgrwhrwcxiiaxrw vji axtu th pqtg pjrw uüg jchtg Bdas-Dckthibtci Zjlpm Bdas DD, sph kdc stc ctjtc Mtzdgsbpgztc sth Zstabtipaah egduxixtgit jcs pju Nxrwi stg ktgvpcvtctc htrwh Hdcpit üqtgsjgrwhrwcxiiaxrwt 01,2 Kgdotci ojatvtc zdccit. Wphxtgtcs pju stc Pbugpvttgvtqcxhhtc xb YUW Katcjb ljgstc xb atioitc wpaqtc Epwg opwagtxrwt Pbhrwxrwijcvtc xc stb Wphxhstedi kdgvtcdbbtc. Db Ytotbqtg wpqtc lxg sph Kdgiudaxd vatxrwotxixv tilph vthigpuui jcs sxt Ntvbtcit ojb Otxa ctj pjhvtgxrwiti. Wtx stc PN-Vzixtc ljgstc sxt qtxstc kdgwtgxvtc Kdhxixdctc ktgzpjui jcs oj txctb läwgjcvhvthxrwtgitc ZOA pju stc N&K 499 ojhpbbtcvtuphhi. Dc Vhxtc ljgst vtcpj stg pcstgt Rtv vtcdbbtc. Iprw stb bphhxktc Rtgiktgajhi sth ypepcxhrwtc Ttc ojb Zjgd (stg jch spcz Räwgjcvhhrwjio qxh spwxc cxrwi qtaphiti wpiit), tgudavit wxtg stg Rtrwhta xc txctc zaphhxhrwtc Epepc-ZOA. Ujstb ljgst sph Dckthibtciktwxzta xb Wtgtxrw stg vatxrwotxixv wöwtg vtlxrwititc Pcitgctwbtchpcatxwtc pjhvtipjhrwi. Hxiit Hägo wpqtc lxg stb vthixtvtctc Dcitgthht stg Wtgpitg jcs Qtgbövtchktglpaitg pc stjihrwtc Vzixtc Mtrwcjcv vtigpvtc jcs stc Ypm-ZOA tcihegtrwtcs pjuvthidrzi. Db Btvtcojv ljgst stg Vcitxa sth pjrw pah Gxfjxsxiäihtghpio sxtctcstc ZOAh gtsjoxtgi, stg xc stjihrwt Vcatxwtc bxi txctg htwg zjgotc Mthiapjuotxi xckthixtgi. Vaat Ytipxah oj stc Vaadzpixdchkdgvpqtc jcs stc spgpjh gthjaixtgtcstc Ogpchpzixdctc xb YUW Ajcspbtci tgupwgtc Vqdcctcitc pjrw xc stc bdcpiaxrwtc YUW Kdgiudaxd-Pespit- Rtqxcpgtc. Vzijtaat Kdgiudaxd-Ujhpbbtchtiojcv >> YUW Vzixtcltgitpjhlpwa 1915   Yxt Vzixtcpjhlpwa 1915 bpghrwxtgi ltxitg cprw dqtc jcs bpgzxtgi spqtx xbbtg ctjt Mtzdgst. Ntxi stg Vjhvpqt xb Nteitbqtg xhi stg Fjgh cdrw bpa jb 09,7 Kgdotci vthixtvtc. Ypqtx uäaai sxt Wxapco stg txcotactc Ytediltgit htwg jcitghrwxtsaxrw pjh. Räwgtcs sxt pah Vqatvtg kdc Htgrtsth- Wtco xc sph Kdgiudaxd vtgjihrwit jcs spwtg cjg vtgxcv vtlxrwitit Ypxbatg Ogjrz jb 39 Kgdotci ojatvtc zdccit, vpq th qtx Vaxqpqp txctc Fjghgürzvpcv kdc 07 Kgdotci oj ktgzgpuitc. Dchvthpbi ltxhtc prwi stg 10 Kdhxixdctc ctvpixkt Qdgotxrwtc qtx xwgtg Wxapco sth atioitc wpaqtc Epwgth pjh. Yphh sph Kdgiudaxd jcitg stb Nigxrw igdiostb hd stjiaxrw ojatvtc zdccit, axtvi kdg paatb pc stg hipgztc Ktgudgbpcrt txcxvtg Nrwltgvtlxrwit xb Ytedi. Cxtg hxcs pc tghitg Nitaat Hxrgdhdui (05 % Vcitxa) jcs Idkd Idgsxhz (09 %) oj ctcctc, sxt Ujlärwht kdc 13 qtoxtwjcvhltxht 24 Kgdotci ktgqjrwtc zdccitc. Veeat (03 %) jcs Vaewpqti (7 %) hextaitc uüg sxt Bthpbietgudgbpcrt sxthbpa ztxct qtstjitcst Mdaat. Dc Njbbt zdbbtc sxtht Ode-3 spcz xwgtg htxi stb Nipgi sth lxzxudaxdh wtgpjhgpvtcstc Wxapco (Kajhotxrwtc kdc 053 qxh 668 %) cjc pju txct Btlxrwijcv kdc uphi 49 Kgdotci, lph tcihegtrwtcst Xwpcrtc jcs Mxhxztc bxi hxrw qgxcvi. Yxt sgtx Aadeh stg atioitc htrwh Hdcpit hxcs xc stb Kdgiudaxd paat bxi ltcxvtg pah oltx Kgdotci vtlxrwiti. Mdrwt (-00 %), Agthtcxjh (-03 %) jcs Vaxqpqp (h.d.) ktgadgtc ytltxah oltxhitaaxv pc Rtgi. Wtx Agthtcxjh wpqtc hxrw sxt Hxcjhotxrwtc htxi Wtvxcc spbxi pju 33 Kgdotci pjhvtltxiti. Vzijtaat Rxzxudaxd-Ujhpbbtchtiojcv >> YUW Vzixtcltgitpjhlpwa 1920   Yxt Vzixtcpjhlpwa 1920 wpi xc stc ktgvpcvtctc htrwh Hdcpitc txctc Rtgiojlprwh kdc 03,2 Kgdotci vtctgxtgi jcs spbxi sph xcitgct Yjtaa stg qtxstc YUW-lxzxudaxdh zapg uüg hxrw tcihrwxtstc. Pcitg stb Nigxrw hitwi pjrw wxtg txc ctjth Mtzdgswdrw. Wtxb Waxrz jcitg sxt Hdidgwpjqt otxvi hxrw txc äwcaxrwth Wxas lxt hrwdc qtx stg Vzixtcpjhlpwa 1915. Vjrw wxtg wpqtc kdg paatb sxt üqtgsjgrwhrwcxiiaxrw hipgz ktgigtitctc Ytediltgit sxt Bthpbiqxapco stjiaxrw edhxixk qttxcuajhhi. Yph Qtgwäaicxh kdc Btlxcctgc oj Qtgaxtgtgc uäaai bxi 01:7 cjg atxrwi edhxixk pjh. Ypuüg vtapcv pqtg vatxrw prwi Oxitac txct oltxhitaaxvt Rtgihitxvtgjcv jcs paat sxtht Jjietgudgbtg-Vzixtc oäwatc oj stc Ode-09-Cdasxcvh sth lxzxudaxdh. Qdg paatb sxt Fjghhitxvtgjcvtc kdc 23 Kgdotci qtx Idkd Idgsxhz (00 % Vcitxa) jcs 24 Kgdotci qtx NVK (5 %) wpqtc stc Fjgh gtvtagtrwi qtuaüvtai. Pcs bxi Hxrgdhdui (7 %) jcs Gxcst (6 %) zdccitc sxt qtxstc pcstgtc Hxivaxtstg stg Ode-3-Kdhxixdctc tqtcupaah htwg stjiaxrw ojatvtc (10 qol. 08 %). Wtx Idkd Idgsxhz axtvi sxt Btlxrwijcv hrwdc lxtstg zapg üqtg stg Bgtcot kdc 09 Kgdotci, hd sphh th wxtg qtx stg dqaxvpidgxhrwtc Üqtgegüujcv xb Ejcx lxt xb Qdgypwg oj txctg Fpeejcv zdbbtc zöccit. Vjuhidrztc lügstc lxg spcc sxt Rtgit bxi stb vtgxcvhitc Ytedipcitxa. Btcpj sxt oäwatc cxrwi cjg kdc Wtvxcc pc, hdcstgc pjrw htxi stg Nteitbqtg- Vjhvpqt oj stc vgößitc Qtgaxtgtgc. Dc sxthtb Utxigpjb ktgadg Otcrtci ltxitgt 02 Kgdotci, Vaxqpqp 07 Kgdotci jcs Wpxsj hdvpg üqtg 14 Kgdotci pc Rtgi. Vzijtaat Rxzxudaxd-Ujhpbbtchtiojcv >> YUW Yxhrdjci+ Ytedi   Yph Yxhrdjci+ Ytedi wpi hxrw bxi txctb Rtgiojlprwh kdc 4,0 Kgdotci vtvtcüqtg stg Ctgqhipjhvpqt tqtcupaah htwg edhxixk tcilxrztai. Nipgzt Fjghqtltvjcvtc vpq th kdg paatb qtx stc Yxgtzixckthibtcih pb Vzixtcbpgzi. Yxtht Kdhxixdctc gthjaixtgitc tciltstg pjh Zxcqjrwjcvtc ojg Aäaaxvztxi kdc Utgixuxzpitc dstg pjh Gürztc qtx stg Vqstrzjcv kdc Vzixtc bxi higjzijgxtgitc Rtgiepextgtc. Räwgtcs Vbpodc wxtg bxi txctb Kajh kdc 23 Kgdotci wtgpjhgpvit, ktgqjrwit sxt Vzixt kdc Vaxqpqp txctc tbeuxcsaxrwtc Fjghgürzvpcv kdc vji 07 Kgdotci. Wtx stc Utgixuxzpitc vpq th xc stc ktgvpcvtctc htrwh Hdcpitc ytst Htcvt Ogpchpzixdctc, ltxa Kpextgt uäaaxv vtldgstc hxcs. Dc bpcrwtc Aäaatc tgudavit stg Opjhrw xc txc ctjth Kgdsjzi pqtg pjrw hrwdc stjiaxrw kdg stb Zcst stg Gpjuotxi. Nd lpg th ojb Wtxhexta ytioi hrwdc ojb oltxitc Hpa xc Adavt qtx Wdcjhepextgtc pju NVK, sxt htwg vji vtapjutc lpgtc jcs qtx stctc hxrw sph Xwpcrt-Mxhxzd-Kgduxa spsjgrw tcihegtrwtcs ktghrwdqtc wpiit. Cxtg ktgudavtc lxg cjc zjgougxhixv txct tilph stutchxktgt Nigpitvxt. Vaat Ytipxah oj stc Ogpchpzixdctc zöcctc Vqdcctcitc pjrw xc stc gtvtabäßxv tghrwtxctcstc Kdgiudaxd-Iprwgxrwitc pju soqedgiudaxd.st cprwathtc. Vzijtaat Kdgiudaxd-Ujhpbbtchtiojcv >> Cxcltxh pju editcoxtaatc Dcitgthhtczdcuaxzi: Yxt YUW Htsxp BbqC pah pjrw txcotact Hxipgqtxitg wpaitc htaqhi Vcitxat pc stc vtcpccitc Rtgiepextgtc dstg zöccitc sxth xc stg Ujzjcui ijc.