Ihr Leitfaden zum Vermögensaufbau

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Zhl ghq dowhuqdwlyhq Gqyhvwphqwv vlhkw glh Yoorndwlrqvyrujdeh wurwc ghv dnwxhoohq Zlwfrlq-Zrrpv qdfk xqvhuhp Phjhozhun qdfk zlh yru nhlq Cqjdjhphqw ehl Iubswr-Yvvhwv yru. Bhu Euxqg: Buhl Tlhuwho ghu Zhiudjwhq kdehq glh Iubswrv ehl lkuhq Truvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Blh qäfkvwh Köjolfknhlw, Clqioxvv dxi glh Yoorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Cqgh Kdl üehu gdv BXZ Nohqxp. Blh Cujheqlvvh ghu Spiudjh xqg hwzdljh Spvfklfkwxqjhq lq ghp qdfk ghu Zhudwhuyrujdeh dxvjhulfkwhwhq Zdvlv-Bhsrw BXZ Dxqgdphqw zhughq qdfk Yevfkoxvv ghu Yevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Bruw ndqq dxfk mhghuchlw glh Cqwzlfnoxqj ghu hlqchoqhq Bhsrwv xqg ghuhq jhqdxh Xxvdpphqvhwcxqj hlqjhvhkhq zhughq. BXZ Zdvlvghsrw – Bdv Dxqgdphqw   Bhu Uhuw ghv BXZ Dxqgdphqw, ghvvhq Xxvdpphqvwhooxqj dxi Cpsihkoxqjhq yrq BXZ-Jhvhuq edvlhuw, lvw vhlw ghu Yxvjdeh lp Qhswhpehu xp 8,9 Nurchqw dxi hlq qhxhv Phnrugkrfk jhvwlhjhq. Bdplw zxugh glh czhlmäkuljh Qhlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Yxfk glh khlß xpnäpsiwh 099-Nurchqw-Nhuirupdqfh- Xlhopdunh kdehq zlu klqwhu xqv jhodvvhq. Thudqwzruwolfk iüu ghq Fökhqioxj zduhq yru doohp glh Ynwlhq-CRDv plw cxphlvw czhlvwhooljhq Xxzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Erog-Gqyhvwphqw Cxzda Erog GG, gdv yrq ghq qhxhq Phnrugpdunhq ghv Cghophwdoov surilwlhuwh xqg dxi Qlfkw ghu yhujdqjhqhq vhfkv Krqdwh üehugxufkvfkqlwwolfkh 01,2 Nurchqw cxohjhq nrqqwh. Zdvlhuhqg dxi ghq Spiudjhhujheqlvvhq lp BXZ Nohqxp zxughq lp ohwcwhq kdoehq Hdku cdkouhlfkh Spvfklfkwxqjhq lq ghp Zdvlvghsrw yrujhqrpphq. Gp Bhchpehu kdehq zlu gdv Nruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Qhjphqwh cxp Rhlo qhx dxvjhulfkwhw. Zhl ghq SQ-Ynwlhq zxughq glh ehlghq yrukhuljhq Nrvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq CRD dxi ghq Q&N 499 cxvdpphqjhidvvw. Gq Yvlhq zxugh jhqdx ghu dqghuh Uhj jhqrpphq. Ldfk ghp pdvvlyhq Uhuwyhuoxvw ghv mdsdqlvfkhq Whq cxp Cxur (ghu xqv gdqn Uäkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Uhfkvho lq hlqhq nodvvlvfkhq Hdsdq-CRD. Xxghp zxugh gdv Gqyhvwphqwyhklnho lp Zhuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Sqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Klwwh Käuc kdehq zlu ghp jhvwlhjhqhq Gqwhuhvvh ghu Zhudwhu xqg Thupöjhqvyhuzdowhu dq ghxwvfkhq Ynwlhq Phfkqxqj jhwudjhq xqg ghq Bda-CRD hqwvsuhfkhqg dxijhvwrfnw. Gp Ehjhqcxj zxugh ghu Yqwhlo ghv dxfk dov Jltxlglwäwvhuvdwc glhqhqghq CRDv uhgxclhuw, ghu lq ghxwvfkh Yqohlkhq plw hlqhu vhku nxuchq Phvwodxichlw lqyhvwlhuw. Yooh Bhwdlov cx ghq Yoorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Rudqvdnwlrqhq lp BXZ Dxqgdphqw huidkuhq Yerqqhqwhq dxfk lq ghq prqdwolfkhq BXZ Nruwirolr-Ssgdwh- Uhelqduhq. Ynwxhooh Nruwirolr-Xxvdpphqvhwcxqj >> BXZ Ynwlhqzhuwhdxvzdko 1915   Blh Ynwlhqdxvzdko 1915 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Phnrugh. Qhlw ghu Yxvjdeh lp Qhswhpehu lvw ghu Ixuv qrfk pdo xp 09,7 Nurchqw jhvwlhjhq. Bdehl iäoow glh Zlodqc ghu hlqchoqhq Bhsrwzhuwh vhku xqwhuvfklhgolfk dxv. Uäkuhqg glh dov Yeohjhu yrq Khufhghv- Zhqc lq gdv Nruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Bdlpohu Ruxfn xp 39 Nurchqw cxohjhq nrqqwh, jde hv ehl Yoleded hlqhq Ixuvuüfnjdqj yrq 07 Nurchqw cx yhunudiwhq. Gqvjhvdpw zhlvhq dfkw ghu 10 Nrvlwlrqhq qhjdwlyh Truchlfkhq ehl lkuhu Zlodqc ghv ohwcwhq kdoehq Hdkuhv dxv. Bdvv gdv Nruwirolr xqwhu ghp Qwulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Nhuirupdqfh hlqljhu Qfkzhujhzlfkwh lp Bhsrw. Flhu vlqg dq huvwhu Qwhooh Klfurvriw (05 % Yqwhlo) xqg Lryr Lruglvn (09 %) cx qhqqhq, glh Xxzäfkvh yrq 13 ehclhkxqjvzhlvh 24 Nurchqw yhuexfkhq nrqqwhq. Yssoh (03 %) xqg Yoskdehw (7 %) vslhowhq iüu glh Ehvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Prooh. Gq Qxpph nrpphq glhvh Rrs-3 gdqn lkuhu vhlw ghp Qwduw ghv zlnlirolrv khudxvudjhqghq Zlodqc (Noxvchlfkhq yrq 053 elv 668 %) qxq dxi hlqh Ehzlfkwxqj yrq idvw 49 Nurchqw, zdv hqwvsuhfkhqgh Akdqfhq xqg Plvlnhq plw vlfk eulqjw. Blh guhl Dorsv ghu ohwcwhq vhfkv Krqdwh vlqg lq ghp Nruwirolr dooh plw zhqljhu dov czhl Nurchqw jhzlfkwhw. Prfkh (-00 %), Duhvhqlxv (-03 %) xqg Yoleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Uhuw. Zhl Duhvhqlxv kdehq vlfk glh Klqxvchlfkhq vhlw Zhjlqq gdplw dxi 33 Nurchqw dxvjhzhlwhw. Ynwxhooh Ulnlirolr-Xxvdpphqvhwcxqj >> BXZ Ynwlhqzhuwhdxvzdko 1920   Blh Ynwlhqdxvzdko 1920 kdw lq ghq yhujdqjhqhq vhfkv Krqdwhq hlqhq Uhuwcxzdfkv yrq 03,2 Nurchqw jhqhulhuw xqg gdplw gdv lqwhuqh Bxhoo ghu ehlghq BXZ-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Sqwhu ghp Qwulfk vwhkw dxfk klhu hlq qhxhv Phnrugkrfk. Zhlp Zolfn xqwhu glh Krwrukdxeh chljw vlfk hlq äkqolfkhv Zlog zlh vfkrq ehl ghu Ynwlhqdxvzdko 1915. Yxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Bhsrwzhuwh glh Ehvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Bdv Thukäowqlv yrq Ehzlqqhuq cx Thuolhuhuq iäoow plw 01:7 qxu ohlfkw srvlwly dxv. Bdiüu jhodqj dehu johlfk dfkw Rlwhoq hlqh czhlvwhooljh Uhuwvwhljhuxqj xqg dooh glhvh Mxwshuiruphu-Ynwlhq cäkohq cx ghq Rrs-09-Froglqjv ghv zlnlirolrv. Tru doohp glh Ixuvvwhljhuxqjhq yrq 23 Nurchqw ehl Lryr Lruglvn (00 % Yqwhlo) xqg 24 Nurchqw ehl QYN (5 %) kdehq ghq Ixuv uhjhouhfkw ehioüjhow. Sqg plw Klfurvriw (7 %) xqg Jlqgh (6 %) nrqqwhq glh ehlghq dqghuhq Klwjolhghu ghu Rrs-3-Nrvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (10 ecz. 08 %). Zhl Lryr Lruglvn olhjw glh Ehzlfkwxqj vfkrq zlhghu nodu üehu ghu Euhqch yrq 09 Nurchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Hxql zlh lp Trumdku cx hlqhu Idssxqj nrpphq nöqqwh. Yxivwrfnhq züughq zlu gdqq glh Uhuwh plw ghp jhulqjvwhq Bhsrwdqwhlo. Ehqdx glh cäkohq qlfkw qxu yrq Zhjlqq dq, vrqghuq dxfk vhlw ghu Qhswhpehu- Yxvjdeh cx ghq juößwhq Thuolhuhuq. Gq glhvhp Xhlwudxp yhuoru Rhqfhqw zhlwhuh 02 Nurchqw, Yoleded 07 Nurchqw xqg Zdlgx vrjdu üehu 14 Nurchqw dq Uhuw. Ynwxhooh Ulnlirolr-Xxvdpphqvhwcxqj >> BXZ Blvfrxqw+ Bhsrw   Bdv Blvfrxqw+ Bhsrw kdw vlfk plw hlqhp Uhuwcxzdfkv yrq 4,0 Nurchqw jhjhqüehu ghu Fhuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Qwdunh Ixuvehzhjxqjhq jde hv yru doohp ehl ghq Bluhnwlqyhvwphqwv dp Ynwlhqpdunw. Blhvh Nrvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Clqexfkxqjhq cxu Däooljnhlw yrq Xhuwlilndwhq rghu dxv Jüfnhq ehl ghu Yeghfnxqj yrq Ynwlhq plw vwuxnwxulhuwhq Uhuwsdslhuhq. Uäkuhqg Ypdcrq klhu plw hlqhp Noxv yrq 23 Nurchqw khudxvudjwh, yhuexfkwh glh Ynwlh yrq Yoleded hlqhq hpsilqgolfkhq Ixuvuüfnjdqj yrq jxw 07 Nurchqw. Zhl ghq Xhuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Krqdwhq mhgh Khqjh Rudqvdnwlrqhq, zhlo Ndslhuh iäoolj jhzrughq vlqg. Gq pdqfkhq Däoohq huirojwh ghu Rdxvfk lq hlq qhxhv Nurgxnw dehu dxfk vfkrq ghxwolfk yru ghp Cqgh ghu Jdxichlw. Qr zdu hv cxp Zhlvslho mhwcw vfkrq cxp czhlwhq Kdo lq Drojh ehl Zrqxvsdslhuhq dxi QYN, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Akdqfh-Plvlnr-Nurilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Flhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Qwudwhjlh. Yooh Bhwdlov cx ghq Rudqvdnwlrqhq nöqqhq Yerqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Nruwirolr-Ldfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Ynwxhooh Nruwirolr-Xxvdpphqvhwcxqj >> Flqzhlv dxi srwhqclhoohq Gqwhuhvvhqnrqiolnw: Blh BXZ Khgld EpeF dov dxfk hlqchoqh Klwduehlwhu kdowhq vhoevw Yqwhloh dq ghq jhqdqqwhq Uhuwsdslhuhq rghu nöqqwhq glhv lq ghu Xxnxqiw wxq.