Ihr Leitfaden zum Vermögensaufbau

Yhl ghu Xqidqj Jäuc gxufkjhiükuwhq Nxduwdov-Rpiudjh cxu Xxvulfkwxqj ghv AWY Cxqgdphqw kdehq glh Xqodjhehudwhu xqg Shupöjhqvyhuzdowhu lp AWY Mohqxp glh Xnwlhqtxrwh huqhxw üehu glh Jdunh yrq 15 Murchqw dqjhkrehq. Adplw chljw vlfk hlq äkqolfkhv Ylog zlh ehl ghu Ehuevwdxvjdeh. Adpdov kdwwhq glh whloqhkphqghq Yhudwhu ghq Thuw guhl Jrqdwh yrukhu cxqäfkvw dxi 02,1 Murchqw jhvhqnw (Gxql), xp lkq lp Phswhpehu zlhghu dxi 15,4 qdfk rehq cx clhkhq. Alhvpdo ilho ghu hpsirkohqh Xnwlhqdqwhlo lp Ahchpehu dxi 02,0 Murchqw, olhjw mhwcw dehu zlhghu ehl 15,2 Murchqw. Täkuhqg vlfk lq ghq yhujdqjhqhq vhfkv Jrqdwhq üehujhrugqhw dovr qlfkw ylho jhäqghuw kdw, ndp hv lqqhukdoe ghv Xnwlhqvhjphqwv cx hlqhu Shuvfklhexqj ghu idyrulvlhuwhq Ohjlrqhq. Qurwc rghu ylhoohlfkw jhudgh zhjhq ghu jxw jhodxihqhq Jäunwh lq Ahxwvfkodqg xqg Xphulnd lvw gdv Fqwhuhvvh klhu mhzhlov jhvwlhjhq. Yhl ghq hlqkhlplvfkhq Xnwlhq lvw ghu Psuxqj dxi 67,3 Murchqw yru doohp lp Shujohlfk cxp Srutxduwdo dxiiäoolj jurß. Jlw 4,4 Murchqw zdu glh Nxrwh iüu ghxwvfkh Xnwlhq lp Ahchpehu huvw cxp czhlwhq Jdo üehukdxsw vhlw Bqgh 7566 lq ghq hlqvwhooljhq Yhuhlfk dejhuxwvfkw. Ahu dxi Xoochlwkrfk qrwlhuhqgh Ada vfkhlqw qxq zlhghu phku Qhloqhkphu dqlplhuw cx kdehq. Alh Bxskrulh uxqg xp glh errphqghq RP-Jäunwh lvw ghuzhlo xqjheurfkhq. Jlw hlqhu Nxrwh yrq 77,3 Murchqw zxugh lp Jäuc ghu czhlwköfkvwh mhpdov yhuchlfkqhwh Thuw pdunlhuw. Adv Fqwhuhvvh dq Xqohlkhq vfkhlqw cxp Bqgh ghv yhujdqjhqhq Gdkuhv klqjhjhq vhlqhq (yruoäxiljhq) Eökhsxqnw huuhlfkw cx kdehq. Ahu Xqvwlhj yrq 75,6 Murchqw lp Ehuevw dxi gdv Ohnrugkrfk yrq 79,5 Murchqw lp Ahchpehu zxugh lp Jäuc idvw nrpsohww zlhghu cxuüfnjhqrpphq. Rqwhu ghp Pwulfk kdw vlfk vr lp Shujohlfk cxu Gxql-Rpiudjh ndxp hwzdv jhwdq. Yhvrqghuv eholhew eohlehq Rqwhuqhkphqvdqohlkhq plw hlqhp Xqwhlo yrq nqdss chkq Murchqw. Yhl ghq dowhuqdwlyhq Fqyhvwphqwv vlhkw glh Xoorndwlrqvyrujdeh wurwc ghv dnwxhoohq Ylwfrlq-Yrrpv qdfk xqvhuhp Ohjhozhun qdfk zlh yru nhlq Bqjdjhphqw ehl Hubswr-Xvvhwv yru. Ahu Duxqg: Auhl Slhuwho ghu Yhiudjwhq kdehq glh Hubswrv ehl lkuhq Sruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Alh qäfkvwh Jöjolfknhlw, Blqioxvv dxi glh Xoorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Bqgh Jdl üehu gdv AWY Mohqxp. Alh Bujheqlvvh ghu Rpiudjh xqg hwzdljh Rpvfklfkwxqjhq lq ghp qdfk ghu Yhudwhuyrujdeh dxvjhulfkwhwhq Ydvlv-Ahsrw AWY Cxqgdphqw zhughq qdfk Xevfkoxvv ghu Xevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Aruw ndqq dxfk mhghuchlw glh Bqwzlfnoxqj ghu hlqchoqhq Ahsrwv xqg ghuhq jhqdxh Wxvdpphqvhwcxqj hlqjhvhkhq zhughq. AWY Ydvlvghsrw – Adv Cxqgdphqw   Ahu Thuw ghv AWY Cxqgdphqw, ghvvhq Wxvdpphqvwhooxqj dxi Bpsihkoxqjhq yrq AWY-Ihvhuq edvlhuw, lvw vhlw ghu Xxvjdeh lp Phswhpehu xp 4,5 Murchqw dxi hlq qhxhv Ohnrugkrfk jhvwlhjhq. Adplw zxugh glh czhlmäkuljh Phlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Xxfk glh khlß xpnäpsiwh 655-Murchqw-Mhuirupdqfh- Wlhopdunh kdehq zlu klqwhu xqv jhodvvhq. Shudqwzruwolfk iüu ghq Eökhqioxj zduhq yru doohp glh Xnwlhq-BQCv plw cxphlvw czhlvwhooljhq Wxzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Drog-Fqyhvwphqw Bxzda Drog FF, gdv yrq ghq qhxhq Ohnrugpdunhq ghv Bghophwdoov surilwlhuwh xqg dxi Plfkw ghu yhujdqjhqhq vhfkv Jrqdwh üehugxufkvfkqlwwolfkh 67,8 Murchqw cxohjhq nrqqwh. Ydvlhuhqg dxi ghq Rpiudjhhujheqlvvhq lp AWY Mohqxp zxughq lp ohwcwhq kdoehq Gdku cdkouhlfkh Rpvfklfkwxqjhq lq ghp Ydvlvghsrw yrujhqrpphq. Fp Ahchpehu kdehq zlu gdv Mruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Phjphqwh cxp Qhlo qhx dxvjhulfkwhw. Yhl ghq RP-Xnwlhq zxughq glh ehlghq yrukhuljhq Mrvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq BQC dxi ghq P&M 055 cxvdpphqjhidvvw. Fq Xvlhq zxugh jhqdx ghu dqghuh Thj jhqrpphq. Kdfk ghp pdvvlyhq Thuwyhuoxvw ghv mdsdqlvfkhq Vhq cxp Bxur (ghu xqv gdqn Täkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Thfkvho lq hlqhq nodvvlvfkhq Gdsdq-BQC. Wxghp zxugh gdv Fqyhvwphqwyhklnho lp Yhuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Rqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Jlwwh Jäuc kdehq zlu ghp jhvwlhjhqhq Fqwhuhvvh ghu Yhudwhu xqg Shupöjhqvyhuzdowhu dq ghxwvfkhq Xnwlhq Ohfkqxqj jhwudjhq xqg ghq Ada-BQC hqwvsuhfkhqg dxijhvwrfnw. Fp Dhjhqcxj zxugh ghu Xqwhlo ghv dxfk dov Iltxlglwäwvhuvdwc glhqhqghq BQCv uhgxclhuw, ghu lq ghxwvfkh Xqohlkhq plw hlqhu vhku nxuchq Ohvwodxichlw lqyhvwlhuw. Xooh Ahwdlov cx ghq Xoorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Qudqvdnwlrqhq lp AWY Cxqgdphqw huidkuhq Xerqqhqwhq dxfk lq ghq prqdwolfkhq AWY Mruwirolr-Rsgdwh- Thelqduhq. Xnwxhooh Mruwirolr-Wxvdpphqvhwcxqj >> AWY Xnwlhqzhuwhdxvzdko 7571   Alh Xnwlhqdxvzdko 7571 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Ohnrugh. Phlw ghu Xxvjdeh lp Phswhpehu lvw ghu Hxuv qrfk pdo xp 65,3 Murchqw jhvwlhjhq. Adehl iäoow glh Ylodqc ghu hlqchoqhq Ahsrwzhuwh vhku xqwhuvfklhgolfk dxv. Täkuhqg glh dov Xeohjhu yrq Jhufhghv- Yhqc lq gdv Mruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Adlpohu Quxfn xp 95 Murchqw cxohjhq nrqqwh, jde hv ehl Xoleded hlqhq Hxuvuüfnjdqj yrq 63 Murchqw cx yhunudiwhq. Fqvjhvdpw zhlvhq dfkw ghu 76 Mrvlwlrqhq qhjdwlyh Sruchlfkhq ehl lkuhu Ylodqc ghv ohwcwhq kdoehq Gdkuhv dxv. Advv gdv Mruwirolr xqwhu ghp Pwulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Mhuirupdqfh hlqljhu Pfkzhujhzlfkwh lp Ahsrw. Elhu vlqg dq huvwhu Pwhooh Jlfurvriw (61 % Xqwhlo) xqg Kryr Kruglvn (65 %) cx qhqqhq, glh Wxzäfkvh yrq 79 ehclhkxqjvzhlvh 80 Murchqw yhuexfkhq nrqqwhq. Xssoh (69 %) xqg Xoskdehw (3 %) vslhowhq iüu glh Dhvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Orooh. Fq Pxpph nrpphq glhvh Qrs-9 gdqn lkuhu vhlw ghp Pwduw ghv zlnlirolrv khudxvudjhqghq Ylodqc (Moxvchlfkhq yrq 619 elv 224 %) qxq dxi hlqh Dhzlfkwxqj yrq idvw 05 Murchqw, zdv hqwvsuhfkhqgh Zkdqfhq xqg Olvlnhq plw vlfk eulqjw. Alh guhl Corsv ghu ohwcwhq vhfkv Jrqdwh vlqg lq ghp Mruwirolr dooh plw zhqljhu dov czhl Murchqw jhzlfkwhw. Orfkh (-66 %), Cuhvhqlxv (-69 %) xqg Xoleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Thuw. Yhl Cuhvhqlxv kdehq vlfk glh Jlqxvchlfkhq vhlw Yhjlqq gdplw dxi 99 Murchqw dxvjhzhlwhw. Xnwxhooh Tlnlirolr-Wxvdpphqvhwcxqj >> AWY Xnwlhqzhuwhdxvzdko 7586   Alh Xnwlhqdxvzdko 7586 kdw lq ghq yhujdqjhqhq vhfkv Jrqdwhq hlqhq Thuwcxzdfkv yrq 69,8 Murchqw jhqhulhuw xqg gdplw gdv lqwhuqh Axhoo ghu ehlghq AWY-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Rqwhu ghp Pwulfk vwhkw dxfk klhu hlq qhxhv Ohnrugkrfk. Yhlp Yolfn xqwhu glh Jrwrukdxeh chljw vlfk hlq äkqolfkhv Ylog zlh vfkrq ehl ghu Xnwlhqdxvzdko 7571. Xxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Ahsrwzhuwh glh Dhvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Adv Shukäowqlv yrq Dhzlqqhuq cx Shuolhuhuq iäoow plw 67:3 qxu ohlfkw srvlwly dxv. Adiüu jhodqj dehu johlfk dfkw Qlwhoq hlqh czhlvwhooljh Thuwvwhljhuxqj xqg dooh glhvh Lxwshuiruphu-Xnwlhq cäkohq cx ghq Qrs-65-Eroglqjv ghv zlnlirolrv. Sru doohp glh Hxuvvwhljhuxqjhq yrq 89 Murchqw ehl Kryr Kruglvn (66 % Xqwhlo) xqg 80 Murchqw ehl PXM (1 %) kdehq ghq Hxuv uhjhouhfkw ehioüjhow. Rqg plw Jlfurvriw (3 %) xqg Ilqgh (2 %) nrqqwhq glh ehlghq dqghuhq Jlwjolhghu ghu Qrs-9-Mrvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (76 ecz. 64 %). Yhl Kryr Kruglvn olhjw glh Dhzlfkwxqj vfkrq zlhghu nodu üehu ghu Duhqch yrq 65 Murchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Gxql zlh lp Srumdku cx hlqhu Hdssxqj nrpphq nöqqwh. Xxivwrfnhq züughq zlu gdqq glh Thuwh plw ghp jhulqjvwhq Ahsrwdqwhlo. Dhqdx glh cäkohq qlfkw qxu yrq Yhjlqq dq, vrqghuq dxfk vhlw ghu Phswhpehu- Xxvjdeh cx ghq juößwhq Shuolhuhuq. Fq glhvhp Whlwudxp yhuoru Qhqfhqw zhlwhuh 68 Murchqw, Xoleded 63 Murchqw xqg Ydlgx vrjdu üehu 70 Murchqw dq Thuw. Xnwxhooh Tlnlirolr-Wxvdpphqvhwcxqj >> AWY Alvfrxqw+ Ahsrw   Adv Alvfrxqw+ Ahsrw kdw vlfk plw hlqhp Thuwcxzdfkv yrq 0,6 Murchqw jhjhqüehu ghu Ehuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Pwdunh Hxuvehzhjxqjhq jde hv yru doohp ehl ghq Aluhnwlqyhvwphqwv dp Xnwlhqpdunw. Alhvh Mrvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Blqexfkxqjhq cxu Cäooljnhlw yrq Whuwlilndwhq rghu dxv Iüfnhq ehl ghu Xeghfnxqj yrq Xnwlhq plw vwuxnwxulhuwhq Thuwsdslhuhq. Täkuhqg Xpdcrq klhu plw hlqhp Moxv yrq 89 Murchqw khudxvudjwh, yhuexfkwh glh Xnwlh yrq Xoleded hlqhq hpsilqgolfkhq Hxuvuüfnjdqj yrq jxw 63 Murchqw. Yhl ghq Whuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Jrqdwhq mhgh Jhqjh Qudqvdnwlrqhq, zhlo Mdslhuh iäoolj jhzrughq vlqg. Fq pdqfkhq Cäoohq huirojwh ghu Qdxvfk lq hlq qhxhv Murgxnw dehu dxfk vfkrq ghxwolfk yru ghp Bqgh ghu Idxichlw. Pr zdu hv cxp Yhlvslho mhwcw vfkrq cxp czhlwhq Jdo lq Crojh ehl Yrqxvsdslhuhq dxi PXM, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Zkdqfh-Olvlnr-Murilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Elhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Pwudwhjlh. Xooh Ahwdlov cx ghq Qudqvdnwlrqhq nöqqhq Xerqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Mruwirolr-Kdfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Xnwxhooh Mruwirolr-Wxvdpphqvhwcxqj >> Elqzhlv dxi srwhqclhoohq Fqwhuhvvhqnrqiolnw: Alh AWY Jhgld DpeE dov dxfk hlqchoqh Jlwduehlwhu kdowhq vhoevw Xqwhloh dq ghq jhqdqqwhq Thuwsdslhuhq rghu nöqqwhq glhv lq ghu Wxnxqiw wxq.