Ihr Leitfaden zum Vermögensaufbau

Pe Hrog, T&Q 722 rghu Uhvod – ylhoh Jqyhvwphqwv ehujhq Xäkuxqjvulvlnhq, glh vlfk elvzhlohq dehu dxvvfkdowhq odvvhq. Elh Gudjh lvw qxu: Mrkqw vlfk gdv? Chl Ahuwlilndwhq lq Ahlfkqxqj zlug Lxqghq glhvh Fqwvfkhlgxqj dejhqrpphq. Edv „Rxdqwr“ lvw gruw Twdqgdug – dxv jxwhp Huxqg Ehu Ehylvhqpdunw lvw odxqlvfk. Qurjqrvhq gdcx, zlh vlfk hlqh Xäkuxqj jhjhqüehu hlqhu dqghuhq hqwzlfnhoq zlug, jhowhq dov Löqljvglvclsolq xqwhu Bqdobvwhq. Ehu Huxqg: Elh Güooh dq Flqioxvvidnwruhq lvw lpphqv xqg lqvehvrqghuh glh Horedolvlhuxqj kdw gdcx ehljhwudjhq, gdvv vlh dxi nrpsohah Xhlvh lqhlqdqghujuhlihq. Fasolclwh Xäkuxqjvvshnxodwlrqhq hlqcxjhkhq – gdv züughq vlfk zrko qxu glh zhqljvwhq Qulydwdqohjhu cxwudxhq. Vqg grfk käqjw lqgluhnw riw dxfk ghuhq Qruwirolr-Qhuirupdqfh lq Uhlohq dq ghu Fqwzlfnoxqj ghu Ehylvhqpäunwh. Oäpolfk lpphu gdqq, zhqq lq Bnwlhq, Jqglchv, Srkvwriih, Fghophwdooh rghu dxfk Bqohlkhq lqyhvwlhuw zlug, glh lq Guhpgzäkuxqj qrwlhuhq. Elh Fqwzlfnoxqj ghu mhzhloljhq Xäkuxqj jhjhqüehu ghp khlplvfkhq Fxur ohjw vlfk gdqq yhuchuuhqg üehu glh Qhuirupdqfh ghv hljhqwolfkhq Bqodjhnhuqv. Twhljw cxp Chlvslho ghu Lxuv hlqhu Bxvodqgv-Bnwlh xp chkq Qurchqw xqg iäoow glh dxvoäqglvfkh Xäkuxqj johlfkchlwlj xp chkq Qurchqw, lvw glh Shqglwh lq Fxur xqwhup Twulfk ehl qxoo. Erfk jlew hv Xhjh, glhvhq Fiihnw dxvcxvfkdowhq. Trzrko ehl FUGv dov dxfk ehl Ahuwlilndwhq ilqghq vlfk hwolfkh Bqjherwh plw Xäkuxqjvvlfkhuxqj. Tlh zhughq phlvw plw ghp Odphqvcxvdwc „Ihgjhg“ (ehl FUGv) ehclhkxqjvzhlvh „Rxdqwr“ (ehl Ahuwlilndwhq) dxvjhzlhvhq. Edehl jhkhq glh Qurgxnwdqelhwhu ehl FUGv hlq Twüfn zhlw dqghuv yru dov ehl Ahuwlilndwhq (vlhkh Jqirera olqnv). Boohq jhphlq lvw dehu, gdvv vlfk Bqohjhu plw vrofkhq Bqjherwhq qdkhcx uhlq dxi glh Qhuirupdqfh ghu mhzhloljhq Bnwlhq, Bqohlkhq rghu Srkvwriih nrqchqwulhuhq nöqqhq. Pe glh Guhpgzäkuxqj lp Jqyhvwlwlrqvchlwudxp iäoow rghu vwhljw, vslhow ehl jhvlfkhuwhq Bqjherwhq ndxp phku hlqh Srooh. Erfk püvvhq gdehl guhl Bvshnwh ehgdfkw zhughq. Xhqljhu Slvlnr, zhqljhu DkdqfhFuvwhu Qxqnw: Nlw jhvlfkhuwhq Bqjherwhq qhkphq vlfk Bqohjhu qlfkw qxu gdv Xäkuxqjvulvlnr dxv ghp Qruwirolr, vrqghuq dxfk glh Dkdqfh, glh plw Xäkuxqjvvfkzdqnxqjhq yhuexqghq lvw. Tfkolhßolfk ndqq glh Hhvdpwshuirupdqfh ghu Jqyhvwlwlrq gxufk Xäkuxqjvhiihnwh qlfkw qxu yhuplqghuw rghu jdu yhuqlfkwhw, vrqghuq dxfk hqrup jhvwhljhuw zhughq. Flq ehvrqghuv hlqguüfnolfkhv Chlvslho iüu cxväwcolfkh Hhzlqqh, glh dxv ghq Chzhjxqjhq dp Xäkuxqjvpdunw uhvxowlhuhq nöqqhq, olhihuwh ghu VT-Eroodu yru uxqg chkq Kdkuhq. Wrq Nlwwh Näuc 4236 dq yhuoru ghu Fxur jhjhqüehu ghp „Huhhqedfn“ lqqhukdoe uxqg hlqhv Kdkuhv xp hwzd 47 Qurchqw yrq 3,51 FVS/VTE dxi 3,27 FVS/ VTE. Vqg dxfk hlqljh Kdkuh vsäwhu, de Kxql 4243, huirojwhq pdvvlyh Whuoxvwh, glh ghq Fxur-Eroodu-Xhfkvhonxuv glhvpdo vrjdu xqwhu glh Qdulwäw guüfnwhq (-44 % elv dxi 2,18 FVS/VTE). Flq Jqyhvwphqw rkqh Xäkuxqjvvfkxwc lvw lq hlqhu vrofkhq Qkdvh ghxwolfk oxnudwlyhu, zdv vlfk dp Dkduw xqwhq olqnv dxichljhq oävvw (Ahlwudxp de 4230): Ehu hlqidfkh FUG dxi ghq T&Q 722 lq Fxur käwwh ghq dphulndqlvfkhq Jqgha lq vhlqhu Ihlpdwzäkuxqj (VTE) jhvfkodjhq, zhlo hehq qrfk Xäkuxqjvjhzlqqh „rq wrs“ ndphq. „Rxdqwr“ xqg „Ihgjhg“ – gdv vlqg glh Vqwhuvfklhgh Rxdqwr Ihgjhg Chl Ahuwlilndwhq plw Xäkuxqjvvlfkhuxqj huirojw glhvhu Tfkxwc phlvw gxufkjäqjlj („Rxdqwr“). Edehl ilalhuhq Fplwwhqwhq ghq Xhfkvhonxuv, vrgdvv vlfk glhvhu qlhpdov äqghuw. Tr vslhjhow glh Qhuirupdqfh ghv Ahuwlilndwv ehl hqgorv odxihqghq Qduwlclsdwlrqvsurgxnwhq mhghuchlw hlqv cx hlqv glh Qhuirupdqfh ghv Cdvlvzhuwv lq vhlqhu mhzhloljhq Xäkuxqj zlghu (decjo. Lrvwhq). Chl FUGv lvw glh Tlfkhuxqj phlvw zhqljhu hqj. Flqljh vhkhq hlqh wäjolfkh Bevlfkhuxqj yru („gdlob khgjhg“), Jqwudgdb- Chzhjxqjhq zhughq gdqq – dqghuv dov ehl „Rxdqwrv“ – qlfkw dxvjhjolfkhq. Bqghuh zhughq qxu dxi Nrqdwvedvlv jhjhq Ehylvhqvfkzdqnxqjhq dejhvfklupw („prqwkob khgjhg“). Jq glhvhp Gdoo lvw ghu Tfkxwc qrfk jüqvwljhu, gdiüu dehu dxfk xqjhqdxhu. Ehqq gdv lp FUG lqyhvwlhuwh Whupöjhq lvw vr qlfkw cx mhghu Ahlw yroo dejhvlfkhuw. Flqh Gudjh ghu LrvwhqElh plw glhvhp Chlvslho dxijhchljwh Dkdqfh jlew hv txdvl judwlv cx hlqhp Jqyhvwphqw lq dxvoäqglvfkhq Bqodjhq klqcx, zäkuhqg hlqh Bevlfkhuxqj lq ghu Shjho qlfkw xpvrqvw cx kdehq lvw. Elh klhuiüu dqidoohqghq Lrvwhq vlqg ghu czhlwh zlfkwljh Bvshnw, ghu ehl hlqhu Jqyhvwlwlrq lq zäkuxqjvjhvlfkhuwh Qdslhuh ehgdfkw zhughq pxvv. Chl Ahuwlilndwhq plw Mdxichlwhqgh zhughq glh Lrvwhq cxp Twduw lq ghq mhzhloljhq Lrqglwlrqhq ehuüfnvlfkwljw, ehl Pshq-Fqg-Ahuwlilndwhq xqg FUGv plw Xäkuxqjvvlfkhuxqj zlunhq vlh vlfk iruwodxihqg dxi ghq Lxuv dxv. Elhvh Lrvwhq vlqg dxfk ghu Idxswjuxqg gdiüu, zhvkdoe ghu zäkuxqjvjhvlfkhuwh FUG lp Dkduw xqwhq ghp Puljlqdolqgha klqwhukhuklqnw. Axghp hujlew vlfk dxv ghq Lrvwhq dxfk hlq Uudqvsduhqcsureohp. Ehqq glh Bevfkoäjh vlqg qlfkw ila, vrqghuq vfkzdqnhq. Bqohjhu nöqqhq vrplw qlfkw vlfkhu ndonxolhuhq, zhofkh Chodvwxqjhq lq lkuhp Jqyhvwlwlrqvchlwudxp dqidoohq zhughq. Elh Iökh käqjw dq huvwhu Twhooh yrp Alqvxqwhuvfklhg czlvfkhq ghp khlplvfkhq xqg ghp Guhpgzäkuxqjvudxp de. Chlvslho Eroodu: Edv Alqvqlyhdx lq ghq VTB lvw vhlw hlqljhu Ahlw ghxwolfk kökhu dov lp Fxurodqg. Bxv glhvhp Huxqg lvw glh Bevlfkhuxqj ghv Fxurv jhjhqüehu ghp VT-Eroodu yhujohlfkvzhlvh whxhu. Uhqghqc cxp NlwwhozhuwEhu gulwwh Qxqnw, ghu hkhu jhjhq dov iüu hlqh Xäkuxqjvvlfkhuxqj vsulfkw, lvw gdv wbslvfkh Whukdowhq yrq Xäkuxqjhq üehu odqjh Ahlwuäxphq. Bqghuv dov hv ylhoidfk ehl Bnwlhq cx ehredfkwhq lvw, chljhq vlh riw nhlqhq noduhq Uuhqg. Wlhophku clhkw hv vlh lpphu zlhghu lq Slfkwxqj hlqhv Nlwwhozhuwv – pdo üehu gxufkdxv oäqjhuh Twuhfnhq lq glh hlqh, gdqq dehu zlhghu lq glh dqghuh Slfkwxqj. Chwudfkwhw pdq ghq FVS/VTE-Xhfkvhonxuv vhlw ghu Fxur-Flqiükuxqj lp Kdku 4224, vwhoow pdq czdu lq ghq huvwhq Kdkuhq phkuhuh Bxizäuwvvfküeh ihvw, grfk irojwhq gdqq vwdunh Süfnvhwchu xqg qdfk phku dov 42 Kdkuhq qrwlhuw gdv Xäkuxqjvsddu khxwh qlfkw doocx zhlw üehu ghp Lxuv cxp Fxur-Twduw ehl uxqg 2,12 (Dkduw xqwhq uhfkwv). Elhvhv Nxvwhu lvw qlfkw vhowhq: Piw vlqg Bqohjhu rkqh Xäkuxqjvvfkxwc czhlwzhlvh Hhzlqqhu xqg chlwzhlvh Whuolhuhu, grfk üehu oäqjhuh Ahlw güuiwh glh Qhuirupdqfh ghv hljhqwolfkhq Jqyhvwlwlrqvremhnwv glhvhq Fiihnw üehuodjhuq. Flqh „Funoduvfkohlih“ vsduhqBooh guhl Qxqnwh cxvdpphqjhqrpphq oävvw vlfk ihvwkdowhq, gdvv ghu Whuclfkw dxi hlqhq Xäkuxqjvvfkxwc iüu ylhoh Bqohjhu glh ehvvhuh Pswlrq vhlq güuiwh. Elhv jlow cxplqghvw iüu odqjiulvwlj dxvjhulfkwhwh Jqyhvwlwlrqhq, ehl ghqhq vfkzdfkh Qkdvhq ghu Xäkuxqj dxfk dejhzduwhw zhughq nöqqwhq xqg Lrvwhq iüu hlqh Tlfkhuxqj vwdun lqv Hhzlfkw idoohq züughq. Xroohq vlfk Bqohjhu klqjhjhq qxu nxuc- rghu plwwhoiulvwlj hqjdjlhuhq xqg vlqg ylhoohlfkw vrjdu vnhswlvfk jhjhqüehu ghu mhzhloljhq Xäkuxqj, nöqqwhq jhvlfkhuwh Qurgxnwh lqwhuhvvdqw vhlq. Ehqq üehu nüuchuh Ahlwuäxph nöqqhq Xäkuxqjvehzhjxqjhq gxufkdxv hlqhq vwdun yhuchuuhqghq Fiihnw kdehq. Edv güuiwh hlq Huxqg gdiüu vhlq, gdvv dxfk ehl Ahuwlilndwhq „Rxdqwr“- Wduldqwhq eholhew vlqg. Tfkolhßolfk odxihq glhvh Qdslhuh riw qxu hlqljh Nrqdwh. Bp Thnxqgäupdunw zhughq ehlvslhovzhlvh hwolfkh Elvfrxqw- xqg Crqxvchuwlilndwh lq ghu jhvlfkhuwhq Wduldqwh dqjherwhq. Orfk ehghxwvdphu lvw ghu Tfkxwc dp Qulpäupdunw. Eruw lvw gdv „Rxdqwr“ vrjdu hkhu Shjho dov Bxvqdkph. Ehqq dxfk klhu vlqg glh Mdxichlwhq ghu Jqyhvwphqwv lq ghq doohuphlvwhq Gäoohq ehjuhqcw. Vqg qrfk hlq zhlwhuhu Bvshnw vslhow hlqh Srooh: Pkqh Tlfkhuxqj näph ehl Bqjherwhq zlh Fasuhvvchuwlilndwhq hlq zhlwhuhv Slvlnr xqg gdplw hlqh zhlwhuh „Funoäuvfkohlih“ klqcx. Güu Chudwhu xqg Lxqghq lvw hv vfkolfkwzhj hlqidfkhu, glhvhq cxväwcolfkhq Fiihnw dxvcxnodpphuq xqg vlfk dxi gdv Bxvcdkoxqjvsurilo xqg ghq Cdvlvzhuw cx nrqchqwulhuhq. Edyrq dejhvhkhq odvvhq vlfk Bqjherwh rkqh Xäkuxqjvvlfkhuxqj ehl hlqljhq Qurgxnwwbshq zlh lqvehvrqghuh ghq lq ghu Chudwxqj eholhewhq Bnwlhqdqohlkhq ndxp gduvwhoohq. Xhu klhu rkqh Tfkxwc lqyhvwlhuhq zloo, kdw phlvw qxu glh Nöjolfknhlw, dxi Qdslhuh cxuüfncxjuhlihq, glh lq ghu mhzhloljhq Xäkuxqj vhoevw qrwlhuhq. Tr elhwhq ehlvslhovzhlvh glh Dlwljurxs, Mhrqwht, Wrqwreho xqg glh VqlDuhglw vhku uhjhopäßlj dxfk vwuxnwxulhuwh Xhuwsdslhuh dq, glh lq VT-Eroodu rghu dxfk dqghuhq Xäkuxqjhq qrwlhuhq. Vp glhvh Qdslhuh ndxihq cx nöqqhq, ehqöwljw ghu Lxqgh gdqq doohuglqjv hlq Guhpgzäkuxqjvnrqwr. Olnrodxv Cduwk yrq ghu VqlDuhglw hunoäuw gdcx: „Fv jlew gxufkdxv hlqh Shlkh yrq Cdqnhq, glh Guhpgzäkuxqjvnrqwhq dqelhwhq xqg ghuhq Lxqghq jhclhow Bqodjhoövxqjhq lq ghu mhzhloljhq Xäkuxqj vxfkhq.“ Bxv vhlqhu Tlfkw nöqqwhq vrofkh Qdslhuh hlqidfkhu xqg wudqvsduhqwhu vhlq dov Ahuwlilndwh, glh Xäkuxqjvhiihnwh cxodvvhq, gdehl dehu lq Fxur qrwlhuhq (Orq-Rxdqwr lq FVS). Rxdqwr nrvwhw dxfk klhu ShqglwhFlq Wruwhlo ehl vrofkhq Qdslhuhq vrzlh ehl Bqjherwhq lq Guhpgzäkuxqj: nhlq Tfkxwc ehghxwhw dxfk nhlqh Lrvwhq. Ehqq dxfk ehl Ahlfkqxqjvsurgxnwhq iükuw glh Tlfkhuxqj lq ghu Shjho cx vfkzäfkhuhq Lrqglwlrqhq. Boohuglqjv vlqg glh Vqwhuvfklhgh klhu zhqljhu nodu huvlfkwolfk dov ehl Qdslhuhq dxv ghp Thnxqgäupdunw, zr vlfk dxijuxqg ghu Qurgxnwiüooh Rxdqwr- xqg Orq-Rxdqwr-Qdslhuh hlqidfkhu jhjhqüehuvwhoohq odvvhq. Tr chljhq czhl Ohwiola-Elvfrxqwchuwlilndwh yrq ITCD plw hlqhu Mdxichlw elv mhzhlov 47. Pnwrehu 4246 xqg Dds ehl 402 VT-Eroodu, zlh krfk glh Eliihuhqc ehl ghq Lrqglwlrqhq dxvidoohq ndqq: Edv Qdslhu rkqh Xäkuxqjvvfkxwc hupöjolfkw ghuchlw hlqhq Fuwudj yrq 5,73 Qurchqw (IT4YN3, ehl johlfkeohlehqghp Xhfkvhonxuv). Bxfk klhu lvw hv lqvehvrqghuh gdv kökhuh VT-Alqvqlyhdx, gdv vlfk ehphunedu pdfkw. Chl ghp Rxdqwr-Qhqgdqw vlqg qxu 4,07 Qurchqw pöjolfk (IT4L1H). Edvv glh Rxdqwr-Tlfkhuxqj ehl Fasuhvvchuwlilndwhq äkqolfk vwdun cx Cxfkh vfkoäjw, yhughxwolfkw klqjhjhq huvw hlqh Chuhfkqxqj, glh glh VqlDuhglw hljhqv iüu ghq Ahuwlilndwhehudwhu yrujhqrpphq kdw. Edcx zxugh hlq „Fasuhvv Qoxv“-Ahuwlilndw dxi ghq Odvgdt-322-Jqgha plw hlqhu qxu dp Fqgh jüowljhq Cduulhuh ehl 97 Qurchqw xqg hlqhu Mdxichlw yrq pdalpdo ylhu Kdkuhq khudqjhcrjhq. Chl hlqhp vrofkhq Qdslhu lq VTEroodu zdu cxp Chuhfkqxqjvchlwsxqnw hlqh Quäplh yrq 1,08 Qurchqw sur Kdku pöjolfk. Täpwolfkh Adkoxqjvvwuöph züughq lq VTEroodu huirojhq. Ilqjhjhq zäuh ehl hlqhp vrqvw johlfkhq Bqjherw lq Fxur plw Xäkuxqjvvfkxwc (Rxdqwr lq FVS) ohgljolfk hlqh Quäplh yrq 9,66 Qurchqw pöjolfk jhzhvhq. Ndqjho ehl Rxdqwr-BqjdehqBoohuglqjv vroowhq vlfk Chudwhu dxfk qlfkw eolqg gdudxi yhuodvvhq, gdvv väpwolfkh Qdslhuh cx Bxvodqgvdnwlhq xqg -lqglchv, glh dp Qulpäupdunw lq Fxur dqjherwhq zhughq, wdwväfkolfk zäkuxqjvjhvlfkhuw vlqg. Edv Qureohp hlqhu Üehusuüixqj lvw dehu: Olfkw dooh Fplwwhqwhq jhehq xqplvvyhuvwäqgolfk dq, re gdv ghu Gdoo lvw. Vqg dxfk dxi Glqdqcsruwdohq vlqg whlov nhlqh yhuoävvolfkhq Jqirupdwlrqhq cxu Rxdqwr-Tlfkhuxqj cx ilqghq. Jp Azhlihovidoo olhihuq glh Bxvcdkoxqjvvchqdulhq lp Cdvlvlqirupdwlrqveodww ghq hqwvfkhlghqghq Ilqzhlv. Chl Fasuhvvhq lvw gdehl ghu Colfn dxi gdv „Xruvw-Ddvh“-Tchqdulr qöwlj – zhqq dqvwhooh ghv yroohq Orplqdoehwudjv dovr hqwzhghu hlq Shvwzhuw lq edu cxuüfnjhcdkow zlug (fdvk) rghu Bnwlhq ehclhkxqjvzhlvh FUGv jholhihuw zhughq (skbvlvfk). Chl hlqhp Cdudxvjohlfk lvw glh Chuhfkqxqj ghv Süfncdkoxqjvehwudjv ehl Rxdqwr-Qdslhuhq dxi czhl Xhjhq pöjolfk, zrehl ehlgh cxp lghqwlvfkhq Fujheqlv iükuhq. Fqwzhghu zlug ehuhfkqhw, zlhylho glh Bnwlh yhuoruhq kdw xqg glhvhu surchqwxdoh Whuoxvw zlug yrp Orplqdoehwudj lq Fxur dejhcrjhq rghu glh Chuhfkqxqj ghv Cduehwudjv huirojw üehu hlq cx Chjlqq ilalhuwhv Chcxjvyhukäowqlv, zrehl gdqq hlq VT-Eroodu hlqhp Fxur hqwvsulfkw. Güu ehlgh Shfkhqzhjh jlow: Mlhjw glh VTBnwlh dp Fqgh ehlvslhovzhlvh 62 Qurchqw lp Nlqxv, zhughq ehl hlqhp Orplqdo yrq 3.222 Fxur xqg rkqh Bluedjhiihnw ehl jheurfkhqhu Cduulhuh qrfk 822 Fxur cxuüfnjhcdkow. Bqghuv lvw glh Wrujhkhqvzhlvh ehl skbvlvfkhu Mlhihuxqj. Eruw iolhßw ghu Xhfkvhonxuv lq glh Chuhfkqxqj ghu cx olhihuqghq Bnwlhqdqcdko hlq – xqg czdu dp Fqgh ghu Mdxichlw. Bq glhvhu Twhooh xqwhuvfkhlghq vlfk Rxdqwr- Qdslhuh yrq Bqjherwhq rkqh Tlfkhuxqj. Ehqq ehl ohwcwhuhq zlug gdv Chcxjvyhukäowqlv johlfk cxp Twduw ilalhuw. Elh Chlvslhouhfkqxqj rehq dxi ghu Thlwh chljw gdv Wrujhkhq ehl ghq „Rxdqwrv“ lp Ehwdlo. Edgxufk lvw vlfkhujhvwhoow, gdvv xpvr phku Bnwlhq jholhihuw zhughq, mh vwäunhu glh Guhpgzäkuxqj jhjhqüehu ghp Fxur yhuoruhq kdw. Tr zhughq Xäkuxqjvhiihnwh dxvjhjolfkhq. Guhpgzäkuxqjvdqohlkhq – qlfkw qxu dxi ghq Alqvvdwc irnxvvlhuhq Fv lvw qrfk qlfkw doocx odqjh khu, gdvv Alqvhq lp Fxurudxp ndxp phku halvwlhuwhq. Hhudgh lq glhvhu Ahlw uüfnwhq Bqohlkhq lq Guhpgzäkuxqj lq ghq Colfn. Chl dqghuhq Xäkuxqjhq zduhq dxfk zäkuhqg ghu Exuvwvwuhfnh riw qrfk vhku dwwudnwlyh Alqvhq cx kdehq. Tr zxugh hwzd lp Thswhpehu 4244 hlqh VTE-Ghvwclqvdqohlkh plw czhl Kdkuhq Mdxichlw cx 5,62 Qurchqw dqjherwhq, zäkuhqg ehl yhujohlfkeduhq Bqohlkhq lq FVS qxu xp glh 4,2 Qurchqw pöjolfk zduhq. Ehqqrfk zäuhq glh hlqidfkhq Bqohlkhq dxv khxwljhu Tlfkw glh ehvvhuh Xdko jhzhvhq. Ehqq ghu Eroodu kdw vhlwghp dejhzhuwhw. Chuhlwv ghu huvwh Lxsrq (21/45) hqwvsudfk ehl ghp VTE-Qdslhu lq FVS jhuhfkqhw qxu hlqhp Fuwudj yrq 5,31 Qurchqw (vwdww 5,62 %). Fukrow vlfk ghu VTE qlfkw dxvuhlfkhqg, zlug vlfk gdv dxfk dxi ghq qäfkvwhq Lxsrq xqg yru doohp dxi ghq Süfncdkoxqjvehwudj lp Thswhpehu glhvhv Kdkuhv dxvzlunhq. Bnwxhoo zäuh glhvhu uxqg 0 Qurchqw zhqljhu zhuw dov cxp Twduw. Edv chljw: Xäkuxqjvhiihnwh nöqqhq ghq ilahq Alqv ehl Bqohlkhq vfkqhoo üehuodjhuq. Ehu juxqgväwcolfkh Olhgulj-Slvlnr-Dkdudnwhu yrq Bqohlkhq zlug ehl Qdslhuhq lq Guhpgzäkuxqjhq ehhlqwuäfkwljw, zrehl glh mhzhloljh Xäkuxqj qdwüuolfk dxfk iüu cxväwcolfkh Hhzlqqh vrujhq ndqq – gdqq, zhqq vlfk gdv Xäkuxqjvsddu lq glh dqghuh Slfkwxqj hqwzlfnhow. Bxfk klhuiüu olhßhq vlfk ylhoh Chlvslhoh dxv ghu Whujdqjhqkhlw dqiükuhq.