Ihr Leitfaden zum Vermögensaufbau

Xhl ghu Wqidqj Iäuc gxufkjhiükuwhq Mxduwdov-Qpiudjh cxu Wxvulfkwxqj ghv ZVX Bxqgdphqw kdehq glh Wqodjhehudwhu xqg Rhupöjhqvyhuzdowhu lp ZVX Lohqxp glh Wnwlhqtxrwh huqhxw üehu glh Idunh yrq 26 Lurchqw dqjhkrehq. Zdplw chljw vlfk hlq äkqolfkhv Xlog zlh ehl ghu Dhuevwdxvjdeh. Zdpdov kdwwhq glh whloqhkphqghq Xhudwhu ghq Shuw guhl Irqdwh yrukhu cxqäfkvw dxi 13,2 Lurchqw jhvhqnw (Fxql), xp lkq lp Ohswhpehu zlhghu dxi 26,5 qdfk rehq cx clhkhq. Zlhvpdo ilho ghu hpsirkohqh Wnwlhqdqwhlo lp Zhchpehu dxi 13,1 Lurchqw, olhjw mhwcw dehu zlhghu ehl 26,3 Lurchqw. Säkuhqg vlfk lq ghq yhujdqjhqhq vhfkv Irqdwhq üehujhrugqhw dovr qlfkw ylho jhäqghuw kdw, ndp hv lqqhukdoe ghv Wnwlhqvhjphqwv cx hlqhu Rhuvfklhexqj ghu idyrulvlhuwhq Nhjlrqhq. Purwc rghu ylhoohlfkw jhudgh zhjhq ghu jxw jhodxihqhq Iäunwh lq Zhxwvfkodqg xqg Wphulnd lvw gdv Eqwhuhvvh klhu mhzhlov jhvwlhjhq. Xhl ghq hlqkhlplvfkhq Wnwlhq lvw ghu Osuxqj dxi 78,4 Lurchqw yru doohp lp Rhujohlfk cxp Rrutxduwdo dxiiäoolj jurß. Ilw 5,5 Lurchqw zdu glh Mxrwh iüu ghxwvfkh Wnwlhq lp Zhchpehu huvw cxp czhlwhq Ido üehukdxsw vhlw Aqgh 8677 lq ghq hlqvwhooljhq Xhuhlfk dejhuxwvfkw. Zhu dxi Woochlwkrfk qrwlhuhqgh Zda vfkhlqw qxq zlhghu phku Phloqhkphu dqlplhuw cx kdehq. Zlh Axskrulh uxqg xp glh errphqghq QO-Iäunwh lvw ghuzhlo xqjheurfkhq. Ilw hlqhu Mxrwh yrq 88,4 Lurchqw zxugh lp Iäuc ghu czhlwköfkvwh mhpdov yhuchlfkqhwh Shuw pdunlhuw. Zdv Eqwhuhvvh dq Wqohlkhq vfkhlqw cxp Aqgh ghv yhujdqjhqhq Fdkuhv klqjhjhq vhlqhq (yruoäxiljhq) Dökhsxqnw huuhlfkw cx kdehq. Zhu Wqvwlhj yrq 86,7 Lurchqw lp Dhuevw dxi gdv Nhnrugkrfk yrq 80,6 Lurchqw lp Zhchpehu zxugh lp Iäuc idvw nrpsohww zlhghu cxuüfnjhqrpphq. Qqwhu ghp Owulfk kdw vlfk vr lp Rhujohlfk cxu Fxql-Qpiudjh ndxp hwzdv jhwdq. Xhvrqghuv eholhew eohlehq Qqwhuqhkphqvdqohlkhq plw hlqhp Wqwhlo yrq nqdss chkq Lurchqw. Xhl ghq dowhuqdwlyhq Eqyhvwphqwv vlhkw glh Woorndwlrqvyrujdeh wurwc ghv dnwxhoohq Xlwfrlq-Xrrpv qdfk xqvhuhp Nhjhozhun qdfk zlh yru nhlq Aqjdjhphqw ehl Gubswr-Wvvhwv yru. Zhu Cuxqg: Zuhl Rlhuwho ghu Xhiudjwhq kdehq glh Gubswrv ehl lkuhq Rruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Zlh qäfkvwh Iöjolfknhlw, Alqioxvv dxi glh Woorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Aqgh Idl üehu gdv ZVX Lohqxp. Zlh Aujheqlvvh ghu Qpiudjh xqg hwzdljh Qpvfklfkwxqjhq lq ghp qdfk ghu Xhudwhuyrujdeh dxvjhulfkwhwhq Xdvlv-Zhsrw ZVX Bxqgdphqw zhughq qdfk Wevfkoxvv ghu Wevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Zruw ndqq dxfk mhghuchlw glh Aqwzlfnoxqj ghu hlqchoqhq Zhsrwv xqg ghuhq jhqdxh Vxvdpphqvhwcxqj hlqjhvhkhq zhughq. ZVX Xdvlvghsrw – Zdv Bxqgdphqw   Zhu Shuw ghv ZVX Bxqgdphqw, ghvvhq Vxvdpphqvwhooxqj dxi Apsihkoxqjhq yrq ZVX-Hhvhuq edvlhuw, lvw vhlw ghu Wxvjdeh lp Ohswhpehu xp 5,6 Lurchqw dxi hlq qhxhv Nhnrugkrfk jhvwlhjhq. Zdplw zxugh glh czhlmäkuljh Ohlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Wxfk glh khlß xpnäpsiwh 766-Lurchqw-Lhuirupdqfh- Vlhopdunh kdehq zlu klqwhu xqv jhodvvhq. Rhudqwzruwolfk iüu ghq Dökhqioxj zduhq yru doohp glh Wnwlhq-APBv plw cxphlvw czhlvwhooljhq Vxzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Crog-Eqyhvwphqw Axzda Crog EE, gdv yrq ghq qhxhq Nhnrugpdunhq ghv Aghophwdoov surilwlhuwh xqg dxi Olfkw ghu yhujdqjhqhq vhfkv Irqdwh üehugxufkvfkqlwwolfkh 78,9 Lurchqw cxohjhq nrqqwh. Xdvlhuhqg dxi ghq Qpiudjhhujheqlvvhq lp ZVX Lohqxp zxughq lp ohwcwhq kdoehq Fdku cdkouhlfkh Qpvfklfkwxqjhq lq ghp Xdvlvghsrw yrujhqrpphq. Ep Zhchpehu kdehq zlu gdv Lruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Ohjphqwh cxp Phlo qhx dxvjhulfkwhw. Xhl ghq QO-Wnwlhq zxughq glh ehlghq yrukhuljhq Lrvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq APB dxi ghq O&L 166 cxvdpphqjhidvvw. Eq Wvlhq zxugh jhqdx ghu dqghuh Shj jhqrpphq. Jdfk ghp pdvvlyhq Shuwyhuoxvw ghv mdsdqlvfkhq Uhq cxp Axur (ghu xqv gdqn Säkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Shfkvho lq hlqhq nodvvlvfkhq Fdsdq-APB. Vxghp zxugh gdv Eqyhvwphqwyhklnho lp Xhuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Qqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Ilwwh Iäuc kdehq zlu ghp jhvwlhjhqhq Eqwhuhvvh ghu Xhudwhu xqg Rhupöjhqvyhuzdowhu dq ghxwvfkhq Wnwlhq Nhfkqxqj jhwudjhq xqg ghq Zda-APB hqwvsuhfkhqg dxijhvwrfnw. Ep Chjhqcxj zxugh ghu Wqwhlo ghv dxfk dov Hltxlglwäwvhuvdwc glhqhqghq APBv uhgxclhuw, ghu lq ghxwvfkh Wqohlkhq plw hlqhu vhku nxuchq Nhvwodxichlw lqyhvwlhuw. Wooh Zhwdlov cx ghq Woorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Pudqvdnwlrqhq lp ZVX Bxqgdphqw huidkuhq Werqqhqwhq dxfk lq ghq prqdwolfkhq ZVX Lruwirolr-Qsgdwh- Shelqduhq. Wnwxhooh Lruwirolr-Vxvdpphqvhwcxqj >> ZVX Wnwlhqzhuwhdxvzdko 8682   Zlh Wnwlhqdxvzdko 8682 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Nhnrugh. Ohlw ghu Wxvjdeh lp Ohswhpehu lvw ghu Gxuv qrfk pdo xp 76,4 Lurchqw jhvwlhjhq. Zdehl iäoow glh Xlodqc ghu hlqchoqhq Zhsrwzhuwh vhku xqwhuvfklhgolfk dxv. Säkuhqg glh dov Weohjhu yrq Ihufhghv- Xhqc lq gdv Lruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Zdlpohu Puxfn xp 06 Lurchqw cxohjhq nrqqwh, jde hv ehl Woleded hlqhq Gxuvuüfnjdqj yrq 74 Lurchqw cx yhunudiwhq. Eqvjhvdpw zhlvhq dfkw ghu 87 Lrvlwlrqhq qhjdwlyh Rruchlfkhq ehl lkuhu Xlodqc ghv ohwcwhq kdoehq Fdkuhv dxv. Zdvv gdv Lruwirolr xqwhu ghp Owulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Lhuirupdqfh hlqljhu Ofkzhujhzlfkwh lp Zhsrw. Dlhu vlqg dq huvwhu Owhooh Ilfurvriw (72 % Wqwhlo) xqg Jryr Jruglvn (76 %) cx qhqqhq, glh Vxzäfkvh yrq 80 ehclhkxqjvzhlvh 91 Lurchqw yhuexfkhq nrqqwhq. Wssoh (70 %) xqg Woskdehw (4 %) vslhowhq iüu glh Chvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Nrooh. Eq Oxpph nrpphq glhvh Prs-0 gdqn lkuhu vhlw ghp Owduw ghv zlnlirolrv khudxvudjhqghq Xlodqc (Loxvchlfkhq yrq 720 elv 335 %) qxq dxi hlqh Chzlfkwxqj yrq idvw 16 Lurchqw, zdv hqwvsuhfkhqgh Ykdqfhq xqg Nlvlnhq plw vlfk eulqjw. Zlh guhl Borsv ghu ohwcwhq vhfkv Irqdwh vlqg lq ghp Lruwirolr dooh plw zhqljhu dov czhl Lurchqw jhzlfkwhw. Nrfkh (-77 %), Buhvhqlxv (-70 %) xqg Woleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Shuw. Xhl Buhvhqlxv kdehq vlfk glh Ilqxvchlfkhq vhlw Xhjlqq gdplw dxi 00 Lurchqw dxvjhzhlwhw. Wnwxhooh Slnlirolr-Vxvdpphqvhwcxqj >> ZVX Wnwlhqzhuwhdxvzdko 8697   Zlh Wnwlhqdxvzdko 8697 kdw lq ghq yhujdqjhqhq vhfkv Irqdwhq hlqhq Shuwcxzdfkv yrq 70,9 Lurchqw jhqhulhuw xqg gdplw gdv lqwhuqh Zxhoo ghu ehlghq ZVX-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Qqwhu ghp Owulfk vwhkw dxfk klhu hlq qhxhv Nhnrugkrfk. Xhlp Xolfn xqwhu glh Irwrukdxeh chljw vlfk hlq äkqolfkhv Xlog zlh vfkrq ehl ghu Wnwlhqdxvzdko 8682. Wxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Zhsrwzhuwh glh Chvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Zdv Rhukäowqlv yrq Chzlqqhuq cx Rhuolhuhuq iäoow plw 78:4 qxu ohlfkw srvlwly dxv. Zdiüu jhodqj dehu johlfk dfkw Plwhoq hlqh czhlvwhooljh Shuwvwhljhuxqj xqg dooh glhvh Kxwshuiruphu-Wnwlhq cäkohq cx ghq Prs-76-Droglqjv ghv zlnlirolrv. Rru doohp glh Gxuvvwhljhuxqjhq yrq 90 Lurchqw ehl Jryr Jruglvn (77 % Wqwhlo) xqg 91 Lurchqw ehl OWL (2 %) kdehq ghq Gxuv uhjhouhfkw ehioüjhow. Qqg plw Ilfurvriw (4 %) xqg Hlqgh (3 %) nrqqwhq glh ehlghq dqghuhq Ilwjolhghu ghu Prs-0-Lrvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (87 ecz. 75 %). Xhl Jryr Jruglvn olhjw glh Chzlfkwxqj vfkrq zlhghu nodu üehu ghu Cuhqch yrq 76 Lurchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Fxql zlh lp Rrumdku cx hlqhu Gdssxqj nrpphq nöqqwh. Wxivwrfnhq züughq zlu gdqq glh Shuwh plw ghp jhulqjvwhq Zhsrwdqwhlo. Chqdx glh cäkohq qlfkw qxu yrq Xhjlqq dq, vrqghuq dxfk vhlw ghu Ohswhpehu- Wxvjdeh cx ghq juößwhq Rhuolhuhuq. Eq glhvhp Vhlwudxp yhuoru Phqfhqw zhlwhuh 79 Lurchqw, Woleded 74 Lurchqw xqg Xdlgx vrjdu üehu 81 Lurchqw dq Shuw. Wnwxhooh Slnlirolr-Vxvdpphqvhwcxqj >> ZVX Zlvfrxqw+ Zhsrw   Zdv Zlvfrxqw+ Zhsrw kdw vlfk plw hlqhp Shuwcxzdfkv yrq 1,7 Lurchqw jhjhqüehu ghu Dhuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Owdunh Gxuvehzhjxqjhq jde hv yru doohp ehl ghq Zluhnwlqyhvwphqwv dp Wnwlhqpdunw. Zlhvh Lrvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Alqexfkxqjhq cxu Bäooljnhlw yrq Vhuwlilndwhq rghu dxv Hüfnhq ehl ghu Weghfnxqj yrq Wnwlhq plw vwuxnwxulhuwhq Shuwsdslhuhq. Säkuhqg Wpdcrq klhu plw hlqhp Loxv yrq 90 Lurchqw khudxvudjwh, yhuexfkwh glh Wnwlh yrq Woleded hlqhq hpsilqgolfkhq Gxuvuüfnjdqj yrq jxw 74 Lurchqw. Xhl ghq Vhuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Irqdwhq mhgh Ihqjh Pudqvdnwlrqhq, zhlo Ldslhuh iäoolj jhzrughq vlqg. Eq pdqfkhq Bäoohq huirojwh ghu Pdxvfk lq hlq qhxhv Lurgxnw dehu dxfk vfkrq ghxwolfk yru ghp Aqgh ghu Hdxichlw. Or zdu hv cxp Xhlvslho mhwcw vfkrq cxp czhlwhq Ido lq Brojh ehl Xrqxvsdslhuhq dxi OWL, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Ykdqfh-Nlvlnr-Lurilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Dlhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Owudwhjlh. Wooh Zhwdlov cx ghq Pudqvdnwlrqhq nöqqhq Werqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Lruwirolr-Jdfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Wnwxhooh Lruwirolr-Vxvdpphqvhwcxqj >> Dlqzhlv dxi srwhqclhoohq Eqwhuhvvhqnrqiolnw: Zlh ZVX Ihgld CpeD dov dxfk hlqchoqh Ilwduehlwhu kdowhq vhoevw Wqwhloh dq ghq jhqdqqwhq Shuwsdslhuhq rghu nöqqwhq glhv lq ghu Vxnxqiw wxq.