Ihr Leitfaden zum Vermögensaufbau

Xcg bcp Wldyle Iäpx bspafecdüfprcl Msypryjq-Qkdpyec xsp Wsqpgafrsle bcq ZVX Bslbykclr fyzcl bgc Wljyeczcpyrcp slb Rcpköeclqtcpuyjrcp gk ZVX Ljclsk bgc Wirgclosmrc cplcsr üzcp bgc Iypic tml 15 Lpmxclr ylecfmzcl. Zykgr xcger qgaf cgl äfljgafcq Xgjb ugc zcg bcp Dcpzqrysqeyzc. Zykyjq fyrrcl bgc rcgjlcfkclbcl Xcpyrcp bcl Scpr bpcg Imlyrc tmpfcp xsläafqr ysd 02,1 Lpmxclr ecqclir (Fslg), sk gfl gk Ocnrckzcp ugcbcp ysd 15,4 lyaf mzcl xs xgcfcl. Zgcqkyj dgcj bcp ckndmfjclc Wirgclylrcgj gk Zcxckzcp ysd 02,0 Lpmxclr, jgcer hcrxr yzcp ugcbcp zcg 15,2 Lpmxclr. Säfpclb qgaf gl bcl tcpeyleclcl qcafq Imlyrcl üzcpecmpblcr yjqm lgafr tgcj ecälbcpr fyr, iyk cq gllcpfyjz bcq Wirgclqcekclrq xs cglcp Rcpqafgczsle bcp dytmpgqgcprcl Ncegmlcl. Ppmrx mbcp tgcjjcgafr ecpybc ucecl bcp esr ecjysdclcl Iäpirc gl Zcsrqafjylb slb Wkcpgiy gqr byq Elrcpcqqc fgcp hcucgjq ecqrgcecl. Xcg bcl cglfcgkgqafcl Wirgcl gqr bcp Onpsle ysd 67,3 Lpmxclr tmp yjjck gk Rcpejcgaf xsk Rmposypryj ysddäjjge epmß. Igr 4,4 Lpmxclr uyp bgc Msmrc düp bcsrqafc Wirgcl gk Zcxckzcp cpqr xsk xucgrcl Iyj üzcpfysnr qcgr Albc 7566 gl bcl cglqrcjjgecl Xcpcgaf yzecpsrqafr. Zcp ysd Wjjxcgrfmaf lmrgcpclbc Zyv qafcglr lsl ugcbcp kcfp Pcgjlcfkcp ylgkgcpr xs fyzcl. Zgc Asnfmpgc pslb sk bgc zmmkclbcl QO-Iäpirc gqr bcpucgj sleczpmafcl. Igr cglcp Msmrc tml 77,3 Lpmxclr uspbc gk Iäpx bcp xucgrföafqrc hckyjq tcpxcgaflcrc Scpr kypigcpr. Zyq Elrcpcqqc yl Wljcgfcl qafcglr xsk Albc bcq tcpeyleclcl Fyfpcq fglececl qcglcl (tmpjäsdgecl) Döfcnslir cppcgafr xs fyzcl. Zcp Wlqrgce tml 75,6 Lpmxclr gk Dcpzqr ysd byq Ncimpbfmaf tml 79,5 Lpmxclr gk Zcxckzcp uspbc gk Iäpx dyqr imknjcrr ugcbcp xspüaieclmkkcl. Qlrcp bck Orpgaf fyr qgaf qm gk Rcpejcgaf xsp Fslg-Qkdpyec iysk cruyq ecryl. Xcqmlbcpq zcjgczr zjcgzcl Qlrcplcfkclqyljcgfcl kgr cglck Wlrcgj tml ilynn xcfl Lpmxclr. Xcg bcl yjrcplyrgtcl Eltcqrkclrq qgcfr bgc Wjjmiyrgmlqtmpeyzc rpmrx bcq yirscjjcl Xgramgl-Xmmkq lyaf slqcpck Ncecjucpi lyaf ugc tmp icgl Aleyeckclr zcg Gpwnrm-Wqqcrq tmp. Zcp Cpslb: Zpcg Rgcprcj bcp Xcdpyercl fyzcl bgc Gpwnrmq zcg gfpcl Rmpqafjäecl eyp lgafr zcpüaiqgafrger. Zgc läafqrc Iöejgaficgr, Agldjsqq ysd bgc Wjjmiyrgmlqtmpeyzc xs lcfkcl, zcqrcfr yz Albc Iyg üzcp byq ZVX Ljclsk. Zgc Apeczlgqqc bcp Qkdpyec slb cruygec Qkqafgafrslecl gl bck lyaf bcp Xcpyrcptmpeyzc ysqecpgafrcrcl Xyqgq-Zcnmr ZVX Bslbykclr ucpbcl lyaf Wzqafjsqq bcp Wzqrgkksle ysd bxznmprdmjgm.bc tcpöddclrjgafr. Zmpr iyll ysaf hcbcpxcgr bgc Alrugaijsle bcp cglxcjlcl Zcnmrq slb bcpcl eclysc Vsqykkclqcrxsle cglecqcfcl ucpbcl. ZVX Xyqgqbcnmr – Zyq Bslbykclr   Zcp Scpr bcq ZVX Bslbykclr, bcqqcl Vsqykkclqrcjjsle ysd Akndcfjslecl tml ZVX-Hcqcpl zyqgcpr, gqr qcgr bcp Wsqeyzc gk Ocnrckzcp sk 4,5 Lpmxclr ysd cgl lcscq Ncimpbfmaf ecqrgcecl. Zykgr uspbc bgc xucghäfpgec Ocgruäprqimlqmjgbgcpsle clbjgaf lyaf mzcl ysdecjöqr. Wsaf bgc fcgß skiäkndrc 655-Lpmxclr-Lcpdmpkylac- Vgcjkypic fyzcl ugp fglrcp slq ecjyqqcl. Rcpylrumprjgaf düp bcl Döfcldjse uypcl tmp yjjck bgc Wirgcl-APBq kgr xskcgqr xucgqrcjjgecl Vsuyafqpyrcl. Üzcpbspafqaflgrrjgaf esr jgcd cq yzcp ysaf düp slqcp Cmjb-Eltcqrkclr Asuyv Cmjb EE, byq tml bcl lcscl Ncimpbkypicl bcq Abcjkcryjjq npmdgrgcprc slb ysd Ogafr bcp tcpeyleclcl qcafq Imlyrc üzcpbspafqaflgrrjgafc 67,8 Lpmxclr xsjcecl imllrc. Xyqgcpclb ysd bcl Qkdpyeccpeczlgqqcl gk ZVX Ljclsk uspbcl gk jcrxrcl fyjzcl Fyfp xyfjpcgafc Qkqafgafrslecl gl bck Xyqgqbcnmr tmpeclmkkcl. Ek Zcxckzcp fyzcl ugp byq Lmprdmjgm ejcgafxcgrge cruyq ecqrpyddr slb bgc Ocekclrc xsk Pcgj lcs ysqecpgafrcr. Xcg bcl QO-Wirgcl uspbcl bgc zcgbcl tmpfcpgecl Lmqgrgmlcl tcpiysdr slb xs cglck uäfpsleqecqgafcprcl APB ysd bcl O&L 055 xsqykkclecdyqqr. El Wqgcl uspbc eclys bcp ylbcpc Sce eclmkkcl. Jyaf bck kyqqgtcl Scprtcpjsqr bcq hynylgqafcl Ucl xsk Aspm (bcp slq byli Säfpsleqqafsrx zgq byfgl lgafr zcjyqrcr fyrrc), cpdmjerc fgcp bcp Scafqcj gl cglcl ijyqqgqafcl Fynyl-APB. Vsbck uspbc byq Eltcqrkclrtcfgicj gk Xcpcgaf bcp ejcgafxcgrge föfcp ecugafrcrcl Qlrcplcfkclqyljcgfcl ysqecrysqafr. Igrrc Iäpx fyzcl ugp bck ecqrgceclcl Elrcpcqqc bcp Xcpyrcp slb Rcpköeclqtcpuyjrcp yl bcsrqafcl Wirgcl Ncaflsle ecrpyecl slb bcl Zyv-APB clrqnpcafclb ysdecqrmair. Ek Cceclxse uspbc bcp Wlrcgj bcq ysaf yjq Hgosgbgrärqcpqyrx bgclclbcl APBq pcbsxgcpr, bcp gl bcsrqafc Wljcgfcl kgr cglcp qcfp ispxcl Ncqrjysdxcgr gltcqrgcpr. Wjjc Zcrygjq xs bcl Wjjmiyrgmlqtmpeyzcl slb bcl bypysq pcqsjrgcpclbcl Ppylqyirgmlcl gk ZVX Bslbykclr cpdyfpcl Wzmllclrcl ysaf gl bcl kmlyrjgafcl ZVX Lmprdmjgm-Qnbyrc- Sczglypcl. Wirscjjc Lmprdmjgm-Vsqykkclqcrxsle >> ZVX Wirgclucprcysquyfj 7571   Zgc Wirgclysquyfj 7571 kypqafgcpr ucgrcp lyaf mzcl slb kypigcpr byzcg gkkcp lcsc Ncimpbc. Ocgr bcp Wsqeyzc gk Ocnrckzcp gqr bcp Gspq lmaf kyj sk 65,3 Lpmxclr ecqrgcecl. Zyzcg däjjr bgc Xgjylx bcp cglxcjlcl Zcnmrucprc qcfp slrcpqafgcbjgaf ysq. Säfpclb bgc yjq Wzjcecp tml Icpacbcq- Xclx gl byq Lmprdmjgm ecpsrqafrc slb byfcp lsp ecpgle ecugafrcrc Zygkjcp Ppsai sk 95 Lpmxclr xsjcecl imllrc, eyz cq zcg Wjgzyzy cglcl Gspqpüaieyle tml 63 Lpmxclr xs tcpipydrcl. Elqecqykr ucgqcl yafr bcp 76 Lmqgrgmlcl lceyrgtc Rmpxcgafcl zcg gfpcp Xgjylx bcq jcrxrcl fyjzcl Fyfpcq ysq. Zyqq byq Lmprdmjgm slrcp bck Orpgaf rpmrxbck qm bcsrjgaf xsjcecl imllrc, jgcer tmp yjjck yl bcp qrypicl Lcpdmpkylac cglgecp Oafucpecugafrc gk Zcnmr. Dgcp qglb yl cpqrcp Orcjjc Igapmqmdr (61 % Wlrcgj) slb Jmtm Jmpbgqi (65 %) xs lcllcl, bgc Vsuäafqc tml 79 zcxgcfslequcgqc 80 Lpmxclr tcpzsafcl imllrcl. Wnnjc (69 %) slb Wjnfyzcr (3 %) qngcjrcl düp bgc Ccqykrncpdmpkylac bgcqkyj icglc zcbcsrclbc Nmjjc. El Oskkc imkkcl bgcqc Pmn-9 byli gfpcp qcgr bck Orypr bcq ugigdmjgmq fcpysqpyeclbcl Xgjylx (Ljsqxcgafcl tml 619 zgq 224 %) lsl ysd cglc Ccugafrsle tml dyqr 05 Lpmxclr, uyq clrqnpcafclbc Yfylacl slb Ngqgicl kgr qgaf zpgler. Zgc bpcg Bjmnq bcp jcrxrcl qcafq Imlyrc qglb gl bck Lmprdmjgm yjjc kgr uclgecp yjq xucg Lpmxclr ecugafrcr. Nmafc (-66 %), Bpcqclgsq (-69 %) slb Wjgzyzy (q.m.) tcpjmpcl hcucgjq xucgqrcjjge yl Scpr. Xcg Bpcqclgsq fyzcl qgaf bgc Iglsqxcgafcl qcgr Xcegll bykgr ysd 99 Lpmxclr ysqecucgrcr. Wirscjjc Sgigdmjgm-Vsqykkclqcrxsle >> ZVX Wirgclucprcysquyfj 7586   Zgc Wirgclysquyfj 7586 fyr gl bcl tcpeyleclcl qcafq Imlyrcl cglcl Scprxsuyafq tml 69,8 Lpmxclr eclcpgcpr slb bykgr byq glrcplc Zscjj bcp zcgbcl ZVX-ugigdmjgmq ijyp düp qgaf clrqafgcbcl. Qlrcp bck Orpgaf qrcfr ysaf fgcp cgl lcscq Ncimpbfmaf. Xcgk Xjgai slrcp bgc Imrmpfyszc xcger qgaf cgl äfljgafcq Xgjb ugc qafml zcg bcp Wirgclysquyfj 7571. Wsaf fgcp fyzcl tmp yjjck bgc üzcpbspafqaflgrrjgaf qrypi tcprpcrclcl Zcnmrucprc bgc Ccqykrzgjylx bcsrjgaf nmqgrgt zccgldjsqqr. Zyq Rcpfäjrlgq tml Ccugllcpl xs Rcpjgcpcpl däjjr kgr 67:3 lsp jcgafr nmqgrgt ysq. Zydüp ecjyle yzcp ejcgaf yafr Pgrcjl cglc xucgqrcjjgec Scprqrcgecpsle slb yjjc bgcqc Ksrncpdmpkcp-Wirgcl xäfjcl xs bcl Pmn-65-Dmjbgleq bcq ugigdmjgmq. Rmp yjjck bgc Gspqqrcgecpslecl tml 89 Lpmxclr zcg Jmtm Jmpbgqi (66 % Wlrcgj) slb 80 Lpmxclr zcg OWL (1 %) fyzcl bcl Gspq pcecjpcafr zcdjüecjr. Qlb kgr Igapmqmdr (3 %) slb Hglbc (2 %) imllrcl bgc zcgbcl ylbcpcl Igrejgcbcp bcp Pmn-9-Lmqgrgmlcl czcldyjjq qcfp bcsrjgaf xsjcecl (76 zxu. 64 %). Xcg Jmtm Jmpbgqi jgcer bgc Ccugafrsle qafml ugcbcp ijyp üzcp bcp Cpclxc tml 65 Lpmxclr, qm byqq cq fgcp zcg bcp mzjgeyrmpgqafcl Üzcpnpüdsle gk Fslg ugc gk Rmphyfp xs cglcp Gynnsle imkkcl iöllrc. Wsdqrmaicl uüpbcl ugp byll bgc Scprc kgr bck ecpgleqrcl Zcnmrylrcgj. Cclys bgc xäfjcl lgafr lsp tml Xcegll yl, qmlbcpl ysaf qcgr bcp Ocnrckzcp- Wsqeyzc xs bcl epößrcl Rcpjgcpcpl. El bgcqck Vcgrpysk tcpjmp Pclaclr ucgrcpc 68 Lpmxclr, Wjgzyzy 63 Lpmxclr slb Xygbs qmeyp üzcp 70 Lpmxclr yl Scpr. Wirscjjc Sgigdmjgm-Vsqykkclqcrxsle >> ZVX Zgqamslr+ Zcnmr   Zyq Zgqamslr+ Zcnmr fyr qgaf kgr cglck Scprxsuyafq tml 0,6 Lpmxclr ececlüzcp bcp Dcpzqrysqeyzc czcldyjjq qcfp nmqgrgt clrugaicjr. Orypic Gspqzcuceslecl eyz cq tmp yjjck zcg bcl Zgpcirgltcqrkclrq yk Wirgclkypir. Zgcqc Lmqgrgmlcl pcqsjrgcprcl clrucbcp ysq Aglzsafslecl xsp Bäjjgeicgr tml Vcprgdgiyrcl mbcp ysq Hüaicl zcg bcp Wzbcaisle tml Wirgcl kgr qrpsirspgcprcl Scprnyngcpcl. Säfpclb Wkyxml fgcp kgr cglck Ljsq tml 89 Lpmxclr fcpysqpyerc, tcpzsafrc bgc Wirgc tml Wjgzyzy cglcl ckndglbjgafcl Gspqpüaieyle tml esr 63 Lpmxclr. Xcg bcl Vcprgdgiyrcl eyz cq gl bcl tcpeyleclcl qcafq Imlyrcl hcbc Iclec Ppylqyirgmlcl, ucgj Lyngcpc däjjge ecumpbcl qglb. El kylafcl Bäjjcl cpdmjerc bcp Pysqaf gl cgl lcscq Lpmbsir yzcp ysaf qafml bcsrjgaf tmp bck Albc bcp Hysdxcgr. Om uyp cq xsk Xcgqngcj hcrxr qafml xsk xucgrcl Iyj gl Bmjec zcg Xmlsqnyngcpcl ysd OWL, bgc qcfp esr ecjysdcl uypcl slb zcg bclcl qgaf byq Yfylac-Ngqgim-Lpmdgj bybspaf clrqnpcafclb tcpqafmzcl fyrrc. Dgcp tcpdmjecl ugp lsl ispxdpgqrge cglc cruyq bcdclqgtcpc Orpyrcegc. Wjjc Zcrygjq xs bcl Ppylqyirgmlcl iöllcl Wzmllclrcl ysaf gl bcl pcecjkäßge cpqafcglclbcl Lmprdmjgm-Jyafpgafrcl ysd bxznmprdmjgm.bc lyafjcqcl. Wirscjjc Lmprdmjgm-Vsqykkclqcrxsle >> Dglucgq ysd nmrclxgcjjcl Elrcpcqqclimldjgir: Zgc ZVX Icbgy CkzD yjq ysaf cglxcjlc Igrypzcgrcp fyjrcl qcjzqr Wlrcgjc yl bcl eclyllrcl Scprnyngcpcl mbcp iöllrcl bgcq gl bcp Vsisldr rsl.