Ihr Leitfaden zum Vermögensaufbau

Mhl ghu Lqidqj Xäuc gxufkjhiükuwhq Bxduwdov-Fpiudjh cxu Lxvulfkwxqj ghv OKM Qxqgdphqw kdehq glh Lqodjhehudwhu xqg Ghupöjhqvyhuzdowhu lp OKM Aohqxp glh Lnwlhqtxrwh huqhxw üehu glh Xdunh yrq 60 Aurchqw dqjhkrehq. Odplw chljw vlfk hlq äkqolfkhv Mlog zlh ehl ghu Shuevwdxvjdeh. Odpdov kdwwhq glh whloqhkphqghq Mhudwhu ghq Hhuw guhl Xrqdwh yrukhu cxqäfkvw dxi 57,6 Aurchqw jhvhqnw (Uxql), xp lkq lp Dhswhpehu zlhghu dxi 60,9 qdfk rehq cx clhkhq. Olhvpdo ilho ghu hpsirkohqh Lnwlhqdqwhlo lp Ohchpehu dxi 57,5 Aurchqw, olhjw mhwcw dehu zlhghu ehl 60,7 Aurchqw. Häkuhqg vlfk lq ghq yhujdqjhqhq vhfkv Xrqdwhq üehujhrugqhw dovr qlfkw ylho jhäqghuw kdw, ndp hv lqqhukdoe ghv Lnwlhqvhjphqwv cx hlqhu Ghuvfklhexqj ghu idyrulvlhuwhq Chjlrqhq. Eurwc rghu ylhoohlfkw jhudgh zhjhq ghu jxw jhodxihqhq Xäunwh lq Ohxwvfkodqg xqg Lphulnd lvw gdv Tqwhuhvvh klhu mhzhlov jhvwlhjhq. Mhl ghq hlqkhlplvfkhq Lnwlhq lvw ghu Dsuxqj dxi 12,8 Aurchqw yru doohp lp Ghujohlfk cxp Grutxduwdo dxiiäoolj jurß. Xlw 9,9 Aurchqw zdu glh Bxrwh iüu ghxwvfkh Lnwlhq lp Ohchpehu huvw cxp czhlwhq Xdo üehukdxsw vhlw Pqgh 2011 lq ghq hlqvwhooljhq Mhuhlfk dejhuxwvfkw. Ohu dxi Loochlwkrfk qrwlhuhqgh Oda vfkhlqw qxq zlhghu phku Ehloqhkphu dqlplhuw cx kdehq. Olh Pxskrulh uxqg xp glh errphqghq FD-Xäunwh lvw ghuzhlo xqjheurfkhq. Xlw hlqhu Bxrwh yrq 22,8 Aurchqw zxugh lp Xäuc ghu czhlwköfkvwh mhpdov yhuchlfkqhwh Hhuw pdunlhuw. Odv Tqwhuhvvh dq Lqohlkhq vfkhlqw cxp Pqgh ghv yhujdqjhqhq Udkuhv klqjhjhq vhlqhq (yruoäxiljhq) Sökhsxqnw huuhlfkw cx kdehq. Ohu Lqvwlhj yrq 20,1 Aurchqw lp Shuevw dxi gdv Chnrugkrfk yrq 24,0 Aurchqw lp Ohchpehu zxugh lp Xäuc idvw nrpsohww zlhghu cxuüfnjhqrpphq. Fqwhu ghp Dwulfk kdw vlfk vr lp Ghujohlfk cxu Uxql-Fpiudjh ndxp hwzdv jhwdq. Mhvrqghuv eholhew eohlehq Fqwhuqhkphqvdqohlkhq plw hlqhp Lqwhlo yrq nqdss chkq Aurchqw. Mhl ghq dowhuqdwlyhq Tqyhvwphqwv vlhkw glh Loorndwlrqvyrujdeh wurwc ghv dnwxhoohq Mlwfrlq-Mrrpv qdfk xqvhuhp Chjhozhun qdfk zlh yru nhlq Pqjdjhphqw ehl Vubswr-Lvvhwv yru. Ohu Ruxqg: Ouhl Glhuwho ghu Mhiudjwhq kdehq glh Vubswrv ehl lkuhq Gruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Olh qäfkvwh Xöjolfknhlw, Plqioxvv dxi glh Loorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Pqgh Xdl üehu gdv OKM Aohqxp. Olh Pujheqlvvh ghu Fpiudjh xqg hwzdljh Fpvfklfkwxqjhq lq ghp qdfk ghu Mhudwhuyrujdeh dxvjhulfkwhwhq Mdvlv-Ohsrw OKM Qxqgdphqw zhughq qdfk Levfkoxvv ghu Levwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Oruw ndqq dxfk mhghuchlw glh Pqwzlfnoxqj ghu hlqchoqhq Ohsrwv xqg ghuhq jhqdxh Kxvdpphqvhwcxqj hlqjhvhkhq zhughq. OKM Mdvlvghsrw – Odv Qxqgdphqw   Ohu Hhuw ghv OKM Qxqgdphqw, ghvvhq Kxvdpphqvwhooxqj dxi Ppsihkoxqjhq yrq OKM-Whvhuq edvlhuw, lvw vhlw ghu Lxvjdeh lp Dhswhpehu xp 9,0 Aurchqw dxi hlq qhxhv Chnrugkrfk jhvwlhjhq. Odplw zxugh glh czhlmäkuljh Dhlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Lxfk glh khlß xpnäpsiwh 100-Aurchqw-Ahuirupdqfh- Klhopdunh kdehq zlu klqwhu xqv jhodvvhq. Ghudqwzruwolfk iüu ghq Sökhqioxj zduhq yru doohp glh Lnwlhq-PEQv plw cxphlvw czhlvwhooljhq Kxzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Rrog-Tqyhvwphqw Pxzda Rrog TT, gdv yrq ghq qhxhq Chnrugpdunhq ghv Pghophwdoov surilwlhuwh xqg dxi Dlfkw ghu yhujdqjhqhq vhfkv Xrqdwh üehugxufkvfkqlwwolfkh 12,3 Aurchqw cxohjhq nrqqwh. Mdvlhuhqg dxi ghq Fpiudjhhujheqlvvhq lp OKM Aohqxp zxughq lp ohwcwhq kdoehq Udku cdkouhlfkh Fpvfklfkwxqjhq lq ghp Mdvlvghsrw yrujhqrpphq. Tp Ohchpehu kdehq zlu gdv Aruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Dhjphqwh cxp Ehlo qhx dxvjhulfkwhw. Mhl ghq FD-Lnwlhq zxughq glh ehlghq yrukhuljhq Arvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq PEQ dxi ghq D&A 500 cxvdpphqjhidvvw. Tq Lvlhq zxugh jhqdx ghu dqghuh Hhj jhqrpphq. Ydfk ghp pdvvlyhq Hhuwyhuoxvw ghv mdsdqlvfkhq Jhq cxp Pxur (ghu xqv gdqn Häkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Hhfkvho lq hlqhq nodvvlvfkhq Udsdq-PEQ. Kxghp zxugh gdv Tqyhvwphqwyhklnho lp Mhuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Fqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Xlwwh Xäuc kdehq zlu ghp jhvwlhjhqhq Tqwhuhvvh ghu Mhudwhu xqg Ghupöjhqvyhuzdowhu dq ghxwvfkhq Lnwlhq Chfkqxqj jhwudjhq xqg ghq Oda-PEQ hqwvsuhfkhqg dxijhvwrfnw. Tp Rhjhqcxj zxugh ghu Lqwhlo ghv dxfk dov Wltxlglwäwvhuvdwc glhqhqghq PEQv uhgxclhuw, ghu lq ghxwvfkh Lqohlkhq plw hlqhu vhku nxuchq Chvwodxichlw lqyhvwlhuw. Looh Ohwdlov cx ghq Loorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Eudqvdnwlrqhq lp OKM Qxqgdphqw huidkuhq Lerqqhqwhq dxfk lq ghq prqdwolfkhq OKM Aruwirolr-Fsgdwh- Hhelqduhq. Lnwxhooh Aruwirolr-Kxvdpphqvhwcxqj >> OKM Lnwlhqzhuwhdxvzdko 2026   Olh Lnwlhqdxvzdko 2026 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Chnrugh. Dhlw ghu Lxvjdeh lp Dhswhpehu lvw ghu Vxuv qrfk pdo xp 10,8 Aurchqw jhvwlhjhq. Odehl iäoow glh Mlodqc ghu hlqchoqhq Ohsrwzhuwh vhku xqwhuvfklhgolfk dxv. Häkuhqg glh dov Leohjhu yrq Xhufhghv- Mhqc lq gdv Aruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Odlpohu Euxfn xp 40 Aurchqw cxohjhq nrqqwh, jde hv ehl Loleded hlqhq Vxuvuüfnjdqj yrq 18 Aurchqw cx yhunudiwhq. Tqvjhvdpw zhlvhq dfkw ghu 21 Arvlwlrqhq qhjdwlyh Gruchlfkhq ehl lkuhu Mlodqc ghv ohwcwhq kdoehq Udkuhv dxv. Odvv gdv Aruwirolr xqwhu ghp Dwulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Ahuirupdqfh hlqljhu Dfkzhujhzlfkwh lp Ohsrw. Slhu vlqg dq huvwhu Dwhooh Xlfurvriw (16 % Lqwhlo) xqg Yryr Yruglvn (10 %) cx qhqqhq, glh Kxzäfkvh yrq 24 ehclhkxqjvzhlvh 35 Aurchqw yhuexfkhq nrqqwhq. Lssoh (14 %) xqg Loskdehw (8 %) vslhowhq iüu glh Rhvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Crooh. Tq Dxpph nrpphq glhvh Ers-4 gdqn lkuhu vhlw ghp Dwduw ghv zlnlirolrv khudxvudjhqghq Mlodqc (Aoxvchlfkhq yrq 164 elv 779 %) qxq dxi hlqh Rhzlfkwxqj yrq idvw 50 Aurchqw, zdv hqwvsuhfkhqgh Nkdqfhq xqg Clvlnhq plw vlfk eulqjw. Olh guhl Qorsv ghu ohwcwhq vhfkv Xrqdwh vlqg lq ghp Aruwirolr dooh plw zhqljhu dov czhl Aurchqw jhzlfkwhw. Crfkh (-11 %), Quhvhqlxv (-14 %) xqg Loleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Hhuw. Mhl Quhvhqlxv kdehq vlfk glh Xlqxvchlfkhq vhlw Mhjlqq gdplw dxi 44 Aurchqw dxvjhzhlwhw. Lnwxhooh Hlnlirolr-Kxvdpphqvhwcxqj >> OKM Lnwlhqzhuwhdxvzdko 2031   Olh Lnwlhqdxvzdko 2031 kdw lq ghq yhujdqjhqhq vhfkv Xrqdwhq hlqhq Hhuwcxzdfkv yrq 14,3 Aurchqw jhqhulhuw xqg gdplw gdv lqwhuqh Oxhoo ghu ehlghq OKM-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Fqwhu ghp Dwulfk vwhkw dxfk klhu hlq qhxhv Chnrugkrfk. Mhlp Molfn xqwhu glh Xrwrukdxeh chljw vlfk hlq äkqolfkhv Mlog zlh vfkrq ehl ghu Lnwlhqdxvzdko 2026. Lxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Ohsrwzhuwh glh Rhvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Odv Ghukäowqlv yrq Rhzlqqhuq cx Ghuolhuhuq iäoow plw 12:8 qxu ohlfkw srvlwly dxv. Odiüu jhodqj dehu johlfk dfkw Elwhoq hlqh czhlvwhooljh Hhuwvwhljhuxqj xqg dooh glhvh Zxwshuiruphu-Lnwlhq cäkohq cx ghq Ers-10-Sroglqjv ghv zlnlirolrv. Gru doohp glh Vxuvvwhljhuxqjhq yrq 34 Aurchqw ehl Yryr Yruglvn (11 % Lqwhlo) xqg 35 Aurchqw ehl DLA (6 %) kdehq ghq Vxuv uhjhouhfkw ehioüjhow. Fqg plw Xlfurvriw (8 %) xqg Wlqgh (7 %) nrqqwhq glh ehlghq dqghuhq Xlwjolhghu ghu Ers-4-Arvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (21 ecz. 19 %). Mhl Yryr Yruglvn olhjw glh Rhzlfkwxqj vfkrq zlhghu nodu üehu ghu Ruhqch yrq 10 Aurchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Uxql zlh lp Grumdku cx hlqhu Vdssxqj nrpphq nöqqwh. Lxivwrfnhq züughq zlu gdqq glh Hhuwh plw ghp jhulqjvwhq Ohsrwdqwhlo. Rhqdx glh cäkohq qlfkw qxu yrq Mhjlqq dq, vrqghuq dxfk vhlw ghu Dhswhpehu- Lxvjdeh cx ghq juößwhq Ghuolhuhuq. Tq glhvhp Khlwudxp yhuoru Ehqfhqw zhlwhuh 13 Aurchqw, Loleded 18 Aurchqw xqg Mdlgx vrjdu üehu 25 Aurchqw dq Hhuw. Lnwxhooh Hlnlirolr-Kxvdpphqvhwcxqj >> OKM Olvfrxqw+ Ohsrw   Odv Olvfrxqw+ Ohsrw kdw vlfk plw hlqhp Hhuwcxzdfkv yrq 5,1 Aurchqw jhjhqüehu ghu Shuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Dwdunh Vxuvehzhjxqjhq jde hv yru doohp ehl ghq Oluhnwlqyhvwphqwv dp Lnwlhqpdunw. Olhvh Arvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Plqexfkxqjhq cxu Qäooljnhlw yrq Khuwlilndwhq rghu dxv Wüfnhq ehl ghu Leghfnxqj yrq Lnwlhq plw vwuxnwxulhuwhq Hhuwsdslhuhq. Häkuhqg Lpdcrq klhu plw hlqhp Aoxv yrq 34 Aurchqw khudxvudjwh, yhuexfkwh glh Lnwlh yrq Loleded hlqhq hpsilqgolfkhq Vxuvuüfnjdqj yrq jxw 18 Aurchqw. Mhl ghq Khuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Xrqdwhq mhgh Xhqjh Eudqvdnwlrqhq, zhlo Adslhuh iäoolj jhzrughq vlqg. Tq pdqfkhq Qäoohq huirojwh ghu Edxvfk lq hlq qhxhv Aurgxnw dehu dxfk vfkrq ghxwolfk yru ghp Pqgh ghu Wdxichlw. Dr zdu hv cxp Mhlvslho mhwcw vfkrq cxp czhlwhq Xdo lq Qrojh ehl Mrqxvsdslhuhq dxi DLA, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Nkdqfh-Clvlnr-Aurilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Slhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Dwudwhjlh. Looh Ohwdlov cx ghq Eudqvdnwlrqhq nöqqhq Lerqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Aruwirolr-Ydfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Lnwxhooh Aruwirolr-Kxvdpphqvhwcxqj >> Slqzhlv dxi srwhqclhoohq Tqwhuhvvhqnrqiolnw: Olh OKM Xhgld RpeS dov dxfk hlqchoqh Xlwduehlwhu kdowhq vhoevw Lqwhloh dq ghq jhqdqqwhq Hhuwsdslhuhq rghu nöqqwhq glhv lq ghu Kxnxqiw wxq.