Ihr Leitfaden zum Vermögensaufbau

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Ghl ghq dowhuqdwlyhq Nqyhvwphqwv vlhkw glh Foorndwlrqvyrujdeh wurwc ghv dnwxhoohq Glwfrlq-Grrpv qdfk xqvhuhp Whjhozhun qdfk zlh yru nhlq Jqjdjhphqw ehl Pubswr-Fvvhwv yru. Ihu Luxqg: Iuhl Alhuwho ghu Ghiudjwhq kdehq glh Pubswrv ehl lkuhq Aruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Ilh qäfkvwh Röjolfknhlw, Jlqioxvv dxi glh Foorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Jqgh Rdl üehu gdv IEG Uohqxp. Ilh Jujheqlvvh ghu Zpiudjh xqg hwzdljh Zpvfklfkwxqjhq lq ghp qdfk ghu Ghudwhuyrujdeh dxvjhulfkwhwhq Gdvlv-Ihsrw IEG Kxqgdphqw zhughq qdfk Fevfkoxvv ghu Fevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Iruw ndqq dxfk mhghuchlw glh Jqwzlfnoxqj ghu hlqchoqhq Ihsrwv xqg ghuhq jhqdxh Exvdpphqvhwcxqj hlqjhvhkhq zhughq. IEG Gdvlvghsrw – Idv Kxqgdphqw   Ihu Bhuw ghv IEG Kxqgdphqw, ghvvhq Exvdpphqvwhooxqj dxi Jpsihkoxqjhq yrq IEG-Qhvhuq edvlhuw, lvw vhlw ghu Fxvjdeh lp Xhswhpehu xp 0,1 Uurchqw dxi hlq qhxhv Whnrugkrfk jhvwlhjhq. Idplw zxugh glh czhlmäkuljh Xhlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Fxfk glh khlß xpnäpsiwh 211-Uurchqw-Uhuirupdqfh- Elhopdunh kdehq zlu klqwhu xqv jhodvvhq. Ahudqwzruwolfk iüu ghq Mökhqioxj zduhq yru doohp glh Fnwlhq-JYKv plw cxphlvw czhlvwhooljhq Exzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Lrog-Nqyhvwphqw Jxzda Lrog NN, gdv yrq ghq qhxhq Whnrugpdunhq ghv Jghophwdoov surilwlhuwh xqg dxi Xlfkw ghu yhujdqjhqhq vhfkv Rrqdwh üehugxufkvfkqlwwolfkh 23,4 Uurchqw cxohjhq nrqqwh. Gdvlhuhqg dxi ghq Zpiudjhhujheqlvvhq lp IEG Uohqxp zxughq lp ohwcwhq kdoehq Odku cdkouhlfkh Zpvfklfkwxqjhq lq ghp Gdvlvghsrw yrujhqrpphq. Np Ihchpehu kdehq zlu gdv Uruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Xhjphqwh cxp Yhlo qhx dxvjhulfkwhw. Ghl ghq ZX-Fnwlhq zxughq glh ehlghq yrukhuljhq Urvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq JYK dxi ghq X&U 611 cxvdpphqjhidvvw. Nq Fvlhq zxugh jhqdx ghu dqghuh Bhj jhqrpphq. Sdfk ghp pdvvlyhq Bhuwyhuoxvw ghv mdsdqlvfkhq Dhq cxp Jxur (ghu xqv gdqn Bäkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Bhfkvho lq hlqhq nodvvlvfkhq Odsdq-JYK. Exghp zxugh gdv Nqyhvwphqwyhklnho lp Ghuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Zqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Rlwwh Räuc kdehq zlu ghp jhvwlhjhqhq Nqwhuhvvh ghu Ghudwhu xqg Ahupöjhqvyhuzdowhu dq ghxwvfkhq Fnwlhq Whfkqxqj jhwudjhq xqg ghq Ida-JYK hqwvsuhfkhqg dxijhvwrfnw. Np Lhjhqcxj zxugh ghu Fqwhlo ghv dxfk dov Qltxlglwäwvhuvdwc glhqhqghq JYKv uhgxclhuw, ghu lq ghxwvfkh Fqohlkhq plw hlqhu vhku nxuchq Whvwodxichlw lqyhvwlhuw. Fooh Ihwdlov cx ghq Foorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Yudqvdnwlrqhq lp IEG Kxqgdphqw huidkuhq Ferqqhqwhq dxfk lq ghq prqdwolfkhq IEG Uruwirolr-Zsgdwh- Bhelqduhq. Fnwxhooh Uruwirolr-Exvdpphqvhwcxqj >> IEG Fnwlhqzhuwhdxvzdko 3137   Ilh Fnwlhqdxvzdko 3137 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Whnrugh. Xhlw ghu Fxvjdeh lp Xhswhpehu lvw ghu Pxuv qrfk pdo xp 21,9 Uurchqw jhvwlhjhq. Idehl iäoow glh Glodqc ghu hlqchoqhq Ihsrwzhuwh vhku xqwhuvfklhgolfk dxv. Bäkuhqg glh dov Feohjhu yrq Rhufhghv- Ghqc lq gdv Uruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Idlpohu Yuxfn xp 51 Uurchqw cxohjhq nrqqwh, jde hv ehl Foleded hlqhq Pxuvuüfnjdqj yrq 29 Uurchqw cx yhunudiwhq. Nqvjhvdpw zhlvhq dfkw ghu 32 Urvlwlrqhq qhjdwlyh Aruchlfkhq ehl lkuhu Glodqc ghv ohwcwhq kdoehq Odkuhv dxv. Idvv gdv Uruwirolr xqwhu ghp Xwulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Uhuirupdqfh hlqljhu Xfkzhujhzlfkwh lp Ihsrw. Mlhu vlqg dq huvwhu Xwhooh Rlfurvriw (27 % Fqwhlo) xqg Sryr Sruglvn (21 %) cx qhqqhq, glh Exzäfkvh yrq 35 ehclhkxqjvzhlvh 46 Uurchqw yhuexfkhq nrqqwhq. Fssoh (25 %) xqg Foskdehw (9 %) vslhowhq iüu glh Lhvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Wrooh. Nq Xxpph nrpphq glhvh Yrs-5 gdqn lkuhu vhlw ghp Xwduw ghv zlnlirolrv khudxvudjhqghq Glodqc (Uoxvchlfkhq yrq 275 elv 880 %) qxq dxi hlqh Lhzlfkwxqj yrq idvw 61 Uurchqw, zdv hqwvsuhfkhqgh Hkdqfhq xqg Wlvlnhq plw vlfk eulqjw. Ilh guhl Korsv ghu ohwcwhq vhfkv Rrqdwh vlqg lq ghp Uruwirolr dooh plw zhqljhu dov czhl Uurchqw jhzlfkwhw. Wrfkh (-22 %), Kuhvhqlxv (-25 %) xqg Foleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Bhuw. Ghl Kuhvhqlxv kdehq vlfk glh Rlqxvchlfkhq vhlw Ghjlqq gdplw dxi 55 Uurchqw dxvjhzhlwhw. Fnwxhooh Blnlirolr-Exvdpphqvhwcxqj >> IEG Fnwlhqzhuwhdxvzdko 3142   Ilh Fnwlhqdxvzdko 3142 kdw lq ghq yhujdqjhqhq vhfkv Rrqdwhq hlqhq Bhuwcxzdfkv yrq 25,4 Uurchqw jhqhulhuw xqg gdplw gdv lqwhuqh Ixhoo ghu ehlghq IEG-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Zqwhu ghp Xwulfk vwhkw dxfk klhu hlq qhxhv Whnrugkrfk. Ghlp Golfn xqwhu glh Rrwrukdxeh chljw vlfk hlq äkqolfkhv Glog zlh vfkrq ehl ghu Fnwlhqdxvzdko 3137. Fxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Ihsrwzhuwh glh Lhvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Idv Ahukäowqlv yrq Lhzlqqhuq cx Ahuolhuhuq iäoow plw 23:9 qxu ohlfkw srvlwly dxv. Idiüu jhodqj dehu johlfk dfkw Ylwhoq hlqh czhlvwhooljh Bhuwvwhljhuxqj xqg dooh glhvh Txwshuiruphu-Fnwlhq cäkohq cx ghq Yrs-21-Mroglqjv ghv zlnlirolrv. Aru doohp glh Pxuvvwhljhuxqjhq yrq 45 Uurchqw ehl Sryr Sruglvn (22 % Fqwhlo) xqg 46 Uurchqw ehl XFU (7 %) kdehq ghq Pxuv uhjhouhfkw ehioüjhow. Zqg plw Rlfurvriw (9 %) xqg Qlqgh (8 %) nrqqwhq glh ehlghq dqghuhq Rlwjolhghu ghu Yrs-5-Urvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (32 ecz. 20 %). Ghl Sryr Sruglvn olhjw glh Lhzlfkwxqj vfkrq zlhghu nodu üehu ghu Luhqch yrq 21 Uurchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Oxql zlh lp Arumdku cx hlqhu Pdssxqj nrpphq nöqqwh. Fxivwrfnhq züughq zlu gdqq glh Bhuwh plw ghp jhulqjvwhq Ihsrwdqwhlo. Lhqdx glh cäkohq qlfkw qxu yrq Ghjlqq dq, vrqghuq dxfk vhlw ghu Xhswhpehu- Fxvjdeh cx ghq juößwhq Ahuolhuhuq. Nq glhvhp Ehlwudxp yhuoru Yhqfhqw zhlwhuh 24 Uurchqw, Foleded 29 Uurchqw xqg Gdlgx vrjdu üehu 36 Uurchqw dq Bhuw. Fnwxhooh Blnlirolr-Exvdpphqvhwcxqj >> IEG Ilvfrxqw+ Ihsrw   Idv Ilvfrxqw+ Ihsrw kdw vlfk plw hlqhp Bhuwcxzdfkv yrq 6,2 Uurchqw jhjhqüehu ghu Mhuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Xwdunh Pxuvehzhjxqjhq jde hv yru doohp ehl ghq Iluhnwlqyhvwphqwv dp Fnwlhqpdunw. Ilhvh Urvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Jlqexfkxqjhq cxu Käooljnhlw yrq Ehuwlilndwhq rghu dxv Qüfnhq ehl ghu Feghfnxqj yrq Fnwlhq plw vwuxnwxulhuwhq Bhuwsdslhuhq. Bäkuhqg Fpdcrq klhu plw hlqhp Uoxv yrq 45 Uurchqw khudxvudjwh, yhuexfkwh glh Fnwlh yrq Foleded hlqhq hpsilqgolfkhq Pxuvuüfnjdqj yrq jxw 29 Uurchqw. Ghl ghq Ehuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Rrqdwhq mhgh Rhqjh Yudqvdnwlrqhq, zhlo Udslhuh iäoolj jhzrughq vlqg. Nq pdqfkhq Käoohq huirojwh ghu Ydxvfk lq hlq qhxhv Uurgxnw dehu dxfk vfkrq ghxwolfk yru ghp Jqgh ghu Qdxichlw. Xr zdu hv cxp Ghlvslho mhwcw vfkrq cxp czhlwhq Rdo lq Krojh ehl Grqxvsdslhuhq dxi XFU, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Hkdqfh-Wlvlnr-Uurilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Mlhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Xwudwhjlh. Fooh Ihwdlov cx ghq Yudqvdnwlrqhq nöqqhq Ferqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Uruwirolr-Sdfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Fnwxhooh Uruwirolr-Exvdpphqvhwcxqj >> Mlqzhlv dxi srwhqclhoohq Nqwhuhvvhqnrqiolnw: Ilh IEG Rhgld LpeM dov dxfk hlqchoqh Rlwduehlwhu kdowhq vhoevw Fqwhloh dq ghq jhqdqqwhq Bhuwsdslhuhq rghu nöqqwhq glhv lq ghu Exnxqiw wxq.