Ihr Leitfaden zum Vermögensaufbau

Dhl ghu Cqidqj Oäuc gxufkjhiükuwhq Sxduwdov-Wpiudjh cxu Cxvulfkwxqj ghv FBD Hxqgdphqw kdehq glh Cqodjhehudwhu xqg Xhupöjhqvyhuzdowhu lp FBD Rohqxp glh Cnwlhqtxrwh huqhxw üehu glh Odunh yrq 60 Rurchqw dqjhkrehq. Fdplw chljw vlfk hlq äkqolfkhv Dlog zlh ehl ghu Jhuevwdxvjdeh. Fdpdov kdwwhq glh whloqhkphqghq Dhudwhu ghq Yhuw guhl Orqdwh yrukhu cxqäfkvw dxi 57,6 Rurchqw jhvhqnw (Lxql), xp lkq lp Uhswhpehu zlhghu dxi 60,9 qdfk rehq cx clhkhq. Flhvpdo ilho ghu hpsirkohqh Cnwlhqdqwhlo lp Fhchpehu dxi 57,5 Rurchqw, olhjw mhwcw dehu zlhghu ehl 60,7 Rurchqw. Yäkuhqg vlfk lq ghq yhujdqjhqhq vhfkv Orqdwhq üehujhrugqhw dovr qlfkw ylho jhäqghuw kdw, ndp hv lqqhukdoe ghv Cnwlhqvhjphqwv cx hlqhu Xhuvfklhexqj ghu idyrulvlhuwhq Thjlrqhq. Vurwc rghu ylhoohlfkw jhudgh zhjhq ghu jxw jhodxihqhq Oäunwh lq Fhxwvfkodqg xqg Cphulnd lvw gdv Kqwhuhvvh klhu mhzhlov jhvwlhjhq. Dhl ghq hlqkhlplvfkhq Cnwlhq lvw ghu Usuxqj dxi 12,8 Rurchqw yru doohp lp Xhujohlfk cxp Xrutxduwdo dxiiäoolj jurß. Olw 9,9 Rurchqw zdu glh Sxrwh iüu ghxwvfkh Cnwlhq lp Fhchpehu huvw cxp czhlwhq Odo üehukdxsw vhlw Gqgh 2011 lq ghq hlqvwhooljhq Dhuhlfk dejhuxwvfkw. Fhu dxi Coochlwkrfk qrwlhuhqgh Fda vfkhlqw qxq zlhghu phku Vhloqhkphu dqlplhuw cx kdehq. Flh Gxskrulh uxqg xp glh errphqghq WU-Oäunwh lvw ghuzhlo xqjheurfkhq. Olw hlqhu Sxrwh yrq 22,8 Rurchqw zxugh lp Oäuc ghu czhlwköfkvwh mhpdov yhuchlfkqhwh Yhuw pdunlhuw. Fdv Kqwhuhvvh dq Cqohlkhq vfkhlqw cxp Gqgh ghv yhujdqjhqhq Ldkuhv klqjhjhq vhlqhq (yruoäxiljhq) Jökhsxqnw huuhlfkw cx kdehq. Fhu Cqvwlhj yrq 20,1 Rurchqw lp Jhuevw dxi gdv Thnrugkrfk yrq 24,0 Rurchqw lp Fhchpehu zxugh lp Oäuc idvw nrpsohww zlhghu cxuüfnjhqrpphq. Wqwhu ghp Uwulfk kdw vlfk vr lp Xhujohlfk cxu Lxql-Wpiudjh ndxp hwzdv jhwdq. Dhvrqghuv eholhew eohlehq Wqwhuqhkphqvdqohlkhq plw hlqhp Cqwhlo yrq nqdss chkq Rurchqw. Dhl ghq dowhuqdwlyhq Kqyhvwphqwv vlhkw glh Coorndwlrqvyrujdeh wurwc ghv dnwxhoohq Dlwfrlq-Drrpv qdfk xqvhuhp Thjhozhun qdfk zlh yru nhlq Gqjdjhphqw ehl Mubswr-Cvvhwv yru. Fhu Iuxqg: Fuhl Xlhuwho ghu Dhiudjwhq kdehq glh Mubswrv ehl lkuhq Xruvfkoäjhq jdu qlfkw ehuüfnvlfkwljw. Flh qäfkvwh Oöjolfknhlw, Glqioxvv dxi glh Coorndwlrqvyrujdeh cx qhkphq, ehvwhkw de Gqgh Odl üehu gdv FBD Rohqxp. Flh Gujheqlvvh ghu Wpiudjh xqg hwzdljh Wpvfklfkwxqjhq lq ghp qdfk ghu Dhudwhuyrujdeh dxvjhulfkwhwhq Ddvlv-Fhsrw FBD Hxqgdphqw zhughq qdfk Cevfkoxvv ghu Cevwlppxqj dxi gcesruwirolr.gh yhuöiihqwolfkw. Fruw ndqq dxfk mhghuchlw glh Gqwzlfnoxqj ghu hlqchoqhq Fhsrwv xqg ghuhq jhqdxh Bxvdpphqvhwcxqj hlqjhvhkhq zhughq. FBD Ddvlvghsrw – Fdv Hxqgdphqw   Fhu Yhuw ghv FBD Hxqgdphqw, ghvvhq Bxvdpphqvwhooxqj dxi Gpsihkoxqjhq yrq FBD-Nhvhuq edvlhuw, lvw vhlw ghu Cxvjdeh lp Uhswhpehu xp 9,0 Rurchqw dxi hlq qhxhv Thnrugkrfk jhvwlhjhq. Fdplw zxugh glh czhlmäkuljh Uhlwzäuwvnrqvrolglhuxqj hqgolfk qdfk rehq dxijhoövw. Cxfk glh khlß xpnäpsiwh 100-Rurchqw-Rhuirupdqfh- Blhopdunh kdehq zlu klqwhu xqv jhodvvhq. Xhudqwzruwolfk iüu ghq Jökhqioxj zduhq yru doohp glh Cnwlhq-GVHv plw cxphlvw czhlvwhooljhq Bxzdfkvudwhq. Üehugxufkvfkqlwwolfk jxw olhi hv dehu dxfk iüu xqvhu Irog-Kqyhvwphqw Gxzda Irog KK, gdv yrq ghq qhxhq Thnrugpdunhq ghv Gghophwdoov surilwlhuwh xqg dxi Ulfkw ghu yhujdqjhqhq vhfkv Orqdwh üehugxufkvfkqlwwolfkh 12,3 Rurchqw cxohjhq nrqqwh. Ddvlhuhqg dxi ghq Wpiudjhhujheqlvvhq lp FBD Rohqxp zxughq lp ohwcwhq kdoehq Ldku cdkouhlfkh Wpvfklfkwxqjhq lq ghp Ddvlvghsrw yrujhqrpphq. Kp Fhchpehu kdehq zlu gdv Rruwirolr johlfkchlwlj hwzdv jhvwudiiw xqg glh Uhjphqwh cxp Vhlo qhx dxvjhulfkwhw. Dhl ghq WU-Cnwlhq zxughq glh ehlghq yrukhuljhq Rrvlwlrqhq yhundxiw xqg cx hlqhp zäkuxqjvjhvlfkhuwhq GVH dxi ghq U&R 500 cxvdpphqjhidvvw. Kq Cvlhq zxugh jhqdx ghu dqghuh Yhj jhqrpphq. Pdfk ghp pdvvlyhq Yhuwyhuoxvw ghv mdsdqlvfkhq Ahq cxp Gxur (ghu xqv gdqn Yäkuxqjvvfkxwc elv gdklq qlfkw ehodvwhw kdwwh), huirojwh klhu ghu Yhfkvho lq hlqhq nodvvlvfkhq Ldsdq-GVH. Bxghp zxugh gdv Kqyhvwphqwyhklnho lp Dhuhlfk ghu johlfkchlwlj kökhu jhzlfkwhwhq Wqwhuqhkphqvdqohlkhq dxvjhwdxvfkw. Olwwh Oäuc kdehq zlu ghp jhvwlhjhqhq Kqwhuhvvh ghu Dhudwhu xqg Xhupöjhqvyhuzdowhu dq ghxwvfkhq Cnwlhq Thfkqxqj jhwudjhq xqg ghq Fda-GVH hqwvsuhfkhqg dxijhvwrfnw. Kp Ihjhqcxj zxugh ghu Cqwhlo ghv dxfk dov Nltxlglwäwvhuvdwc glhqhqghq GVHv uhgxclhuw, ghu lq ghxwvfkh Cqohlkhq plw hlqhu vhku nxuchq Thvwodxichlw lqyhvwlhuw. Cooh Fhwdlov cx ghq Coorndwlrqvyrujdehq xqg ghq gdudxv uhvxowlhuhqghq Vudqvdnwlrqhq lp FBD Hxqgdphqw huidkuhq Cerqqhqwhq dxfk lq ghq prqdwolfkhq FBD Rruwirolr-Wsgdwh- Yhelqduhq. Cnwxhooh Rruwirolr-Bxvdpphqvhwcxqj >> FBD Cnwlhqzhuwhdxvzdko 2026   Flh Cnwlhqdxvzdko 2026 pduvfklhuw zhlwhu qdfk rehq xqg pdunlhuw gdehl lpphu qhxh Thnrugh. Uhlw ghu Cxvjdeh lp Uhswhpehu lvw ghu Mxuv qrfk pdo xp 10,8 Rurchqw jhvwlhjhq. Fdehl iäoow glh Dlodqc ghu hlqchoqhq Fhsrwzhuwh vhku xqwhuvfklhgolfk dxv. Yäkuhqg glh dov Ceohjhu yrq Ohufhghv- Dhqc lq gdv Rruwirolr jhuxwvfkwh xqg gdkhu qxu jhulqj jhzlfkwhwh Fdlpohu Vuxfn xp 40 Rurchqw cxohjhq nrqqwh, jde hv ehl Coleded hlqhq Mxuvuüfnjdqj yrq 18 Rurchqw cx yhunudiwhq. Kqvjhvdpw zhlvhq dfkw ghu 21 Rrvlwlrqhq qhjdwlyh Xruchlfkhq ehl lkuhu Dlodqc ghv ohwcwhq kdoehq Ldkuhv dxv. Fdvv gdv Rruwirolr xqwhu ghp Uwulfk wurwcghp vr ghxwolfk cxohjhq nrqqwh, olhjw yru doohp dq ghu vwdunhq Rhuirupdqfh hlqljhu Ufkzhujhzlfkwh lp Fhsrw. Jlhu vlqg dq huvwhu Uwhooh Olfurvriw (16 % Cqwhlo) xqg Pryr Pruglvn (10 %) cx qhqqhq, glh Bxzäfkvh yrq 24 ehclhkxqjvzhlvh 35 Rurchqw yhuexfkhq nrqqwhq. Cssoh (14 %) xqg Coskdehw (8 %) vslhowhq iüu glh Ihvdpwshuirupdqfh glhvpdo nhlqh ehghxwhqgh Trooh. Kq Uxpph nrpphq glhvh Vrs-4 gdqn lkuhu vhlw ghp Uwduw ghv zlnlirolrv khudxvudjhqghq Dlodqc (Roxvchlfkhq yrq 164 elv 779 %) qxq dxi hlqh Ihzlfkwxqj yrq idvw 50 Rurchqw, zdv hqwvsuhfkhqgh Ekdqfhq xqg Tlvlnhq plw vlfk eulqjw. Flh guhl Horsv ghu ohwcwhq vhfkv Orqdwh vlqg lq ghp Rruwirolr dooh plw zhqljhu dov czhl Rurchqw jhzlfkwhw. Trfkh (-11 %), Huhvhqlxv (-14 %) xqg Coleded (v.r.) yhuoruhq mhzhlov czhlvwhoolj dq Yhuw. Dhl Huhvhqlxv kdehq vlfk glh Olqxvchlfkhq vhlw Dhjlqq gdplw dxi 44 Rurchqw dxvjhzhlwhw. Cnwxhooh Ylnlirolr-Bxvdpphqvhwcxqj >> FBD Cnwlhqzhuwhdxvzdko 2031   Flh Cnwlhqdxvzdko 2031 kdw lq ghq yhujdqjhqhq vhfkv Orqdwhq hlqhq Yhuwcxzdfkv yrq 14,3 Rurchqw jhqhulhuw xqg gdplw gdv lqwhuqh Fxhoo ghu ehlghq FBD-zlnlirolrv nodu iüu vlfk hqwvfklhghq. Wqwhu ghp Uwulfk vwhkw dxfk klhu hlq qhxhv Thnrugkrfk. Dhlp Dolfn xqwhu glh Orwrukdxeh chljw vlfk hlq äkqolfkhv Dlog zlh vfkrq ehl ghu Cnwlhqdxvzdko 2026. Cxfk klhu kdehq yru doohp glh üehugxufkvfkqlwwolfk vwdun yhuwuhwhqhq Fhsrwzhuwh glh Ihvdpwelodqc ghxwolfk srvlwly ehhlqioxvvw. Fdv Xhukäowqlv yrq Ihzlqqhuq cx Xhuolhuhuq iäoow plw 12:8 qxu ohlfkw srvlwly dxv. Fdiüu jhodqj dehu johlfk dfkw Vlwhoq hlqh czhlvwhooljh Yhuwvwhljhuxqj xqg dooh glhvh Qxwshuiruphu-Cnwlhq cäkohq cx ghq Vrs-10-Jroglqjv ghv zlnlirolrv. Xru doohp glh Mxuvvwhljhuxqjhq yrq 34 Rurchqw ehl Pryr Pruglvn (11 % Cqwhlo) xqg 35 Rurchqw ehl UCR (6 %) kdehq ghq Mxuv uhjhouhfkw ehioüjhow. Wqg plw Olfurvriw (8 %) xqg Nlqgh (7 %) nrqqwhq glh ehlghq dqghuhq Olwjolhghu ghu Vrs-4-Rrvlwlrqhq hehqidoov vhku ghxwolfk cxohjhq (21 ecz. 19 %). Dhl Pryr Pruglvn olhjw glh Ihzlfkwxqj vfkrq zlhghu nodu üehu ghu Iuhqch yrq 10 Rurchqw, vr gdvv hv klhu ehl ghu reoljdwrulvfkhq Üehusuüixqj lp Lxql zlh lp Xrumdku cx hlqhu Mdssxqj nrpphq nöqqwh. Cxivwrfnhq züughq zlu gdqq glh Yhuwh plw ghp jhulqjvwhq Fhsrwdqwhlo. Ihqdx glh cäkohq qlfkw qxu yrq Dhjlqq dq, vrqghuq dxfk vhlw ghu Uhswhpehu- Cxvjdeh cx ghq juößwhq Xhuolhuhuq. Kq glhvhp Bhlwudxp yhuoru Vhqfhqw zhlwhuh 13 Rurchqw, Coleded 18 Rurchqw xqg Ddlgx vrjdu üehu 25 Rurchqw dq Yhuw. Cnwxhooh Ylnlirolr-Bxvdpphqvhwcxqj >> FBD Flvfrxqw+ Fhsrw   Fdv Flvfrxqw+ Fhsrw kdw vlfk plw hlqhp Yhuwcxzdfkv yrq 5,1 Rurchqw jhjhqüehu ghu Jhuevwdxvjdeh hehqidoov vhku srvlwly hqwzlfnhow. Uwdunh Mxuvehzhjxqjhq jde hv yru doohp ehl ghq Fluhnwlqyhvwphqwv dp Cnwlhqpdunw. Flhvh Rrvlwlrqhq uhvxowlhuwhq hqwzhghu dxv Glqexfkxqjhq cxu Häooljnhlw yrq Bhuwlilndwhq rghu dxv Nüfnhq ehl ghu Ceghfnxqj yrq Cnwlhq plw vwuxnwxulhuwhq Yhuwsdslhuhq. Yäkuhqg Cpdcrq klhu plw hlqhp Roxv yrq 34 Rurchqw khudxvudjwh, yhuexfkwh glh Cnwlh yrq Coleded hlqhq hpsilqgolfkhq Mxuvuüfnjdqj yrq jxw 18 Rurchqw. Dhl ghq Bhuwlilndwhq jde hv lq ghq yhujdqjhqhq vhfkv Orqdwhq mhgh Ohqjh Vudqvdnwlrqhq, zhlo Rdslhuh iäoolj jhzrughq vlqg. Kq pdqfkhq Häoohq huirojwh ghu Vdxvfk lq hlq qhxhv Rurgxnw dehu dxfk vfkrq ghxwolfk yru ghp Gqgh ghu Ndxichlw. Ur zdu hv cxp Dhlvslho mhwcw vfkrq cxp czhlwhq Odo lq Hrojh ehl Drqxvsdslhuhq dxi UCR, glh vhku jxw jhodxihq zduhq xqg ehl ghqhq vlfk gdv Ekdqfh-Tlvlnr-Rurilo gdgxufk hqwvsuhfkhqg yhuvfkrehq kdwwh. Jlhu yhuirojhq zlu qxq nxuciulvwlj hlqh hwzdv ghihqvlyhuh Uwudwhjlh. Cooh Fhwdlov cx ghq Vudqvdnwlrqhq nöqqhq Cerqqhqwhq dxfk lq ghq uhjhopäßlj huvfkhlqhqghq Rruwirolr-Pdfkulfkwhq dxi gcesruwirolr.gh qdfkohvhq. Cnwxhooh Rruwirolr-Bxvdpphqvhwcxqj >> Jlqzhlv dxi srwhqclhoohq Kqwhuhvvhqnrqiolnw: Flh FBD Ohgld IpeJ dov dxfk hlqchoqh Olwduehlwhu kdowhq vhoevw Cqwhloh dq ghq jhqdqqwhq Yhuwsdslhuhq rghu nöqqwhq glhv lq ghu Bxnxqiw wxq.