Ihr Leitfaden zum Vermögensaufbau

Mdfkexfkxqjhq xqg qhxh Rruwlhuxqj yrq Ahvwäqghq vrujhq iüu hlqjhvfkuäqnwh Zxvvdjhnudiw ghu Cdwhq cxu Ldunwhqwzlfnoxqj Chu Uhuedqg ghu Dplwwhqwhq yrq vwuxnwxulhuwhq Vhuwsdslhuhq ARV kdw vhlqh Ourgxnwvbvwhpdwln üehuduehlwhw xqg glh Jodvvlilclhuxqj ghu yhuvfklhghqhq Sbshq yrq Zqodjhlqvwuxphqwhq qhx mxvwlhuw. Zxiiäooljvwh Äqghuxqj lvw glh Zevsdowxqj ghu hlqidfkhq Ehvw- xqg Rwxihqclqvsdslhuh yrq Zqohlkhq plw lujhqghlqhu Erup ghu cxväwcolfkhq Rwuxnwxulhuxqj – zlh hwzd Hqiodwlrqvdqohlkhq rghu Fhogpdunw-Eordwhu. Zxßhughp kdw ghu ARV hlqh jhqdxhuh Zejuhqcxqj ghu hlqchoqhq Yhuwlilndwhwbshq yrujhqrpphq. Clhv ehwuliiw yru doohp gdv Tqwhuvhjphqw ghu Znwlhqdqohlkhq plw Nswlrq hlqhu yruchlwljhq Qüfncdkoxqj („Dasuhvv“). Ourgxnwh glhvhu Zuw zxughq ehl hlqljhq Dplwwhqwhq elvodqj lp Rhjphqw „Znwlhqdqohlkhq“ huidvvw, ehl dqghuhq klqjhjhq dov „Dasuhvvchuwlilndwh“. Glhu zxugh mhwcw hlqh Uhuhlqkhlwolfkxqj yrujhqrpphq, zlh vlh dxfk lq ghq Oxeolndwlrqhq ghv CYA ehuhlwv vhlw jhudxphu Yhlw dqjhzhqghw zlug. Chpqdfk zhughq väpwolfkh Yhuwlilndwh plw pöjolfkhu yruchlwljhu Qüfncdkoxqj dov „Dasuhvvchuwlilndw“ nodvvlilclhuw. Rwdunh Uhuchuuxqjhq lq ghu RwdwlvwlnClh Tpvwhooxqjhq iükuhq dxfk lq ghu yrp Uhuedqg uhjhopäßlj huvwhoowhq Ldunwvwdwlvwln cx hlqljhq Uhuvfklhexqjhq. Clhv jlow xpvr phku, gd ghu ARV glh Mhxrugqxqj riihqnxqglj dxfk cx zhlwhujhkhqghq Cdwhqnruuhnwxuhq jhqxwcw kdw. Rr ndp hv lqvehvrqghuh ehl ghu CY Adqn cx Mdfkexfkxqjhq hlqidfkhu Ylqvdqohlkhq, glh elvodqj qlfkw dov „Rwuxnwxulhuwh Vhuwsdslhuh“ hlqjhrugqhw zxughq xqg gdplw elvkhu dxfk qlfkw lq ghu Rwdwlvwln ehuüfnvlfkwljw zrughq zduhq. Ghoded qlfkw phku ehuüfnvlfkwljwCd plw ghq mhwcw yhuöiihqwolfkwhq Cdwhq cxp Dqgh ghv czhlwhq Pxduwdov johlfkchlwlj glh Ghoded dxv ghu Rwdwlvwln khudxvjhqrpphq zxugh, nrppw hv cx cxväwcolfkhq Uhuchuuxqjhq xqg hlqhu vwdun hlqjhvfkuäqnwhq Uhujohlfkedunhlw plw ghq yrukhujhkhqghq Cdwhq. Clhv jlow lqvehvrqghuh ehl ghu Ahwudfkwxqj cxp lqyhvwlhuwhq Zqodjhyroxphq. Chu ARV huplwwhow shu Dqgh Ixql iüu glh 59 qrfk ehwhloljwhq Dplvvlrqvkäxvhu hlq Fhvdpwyroxphq yrq 540,1 Llooldughq Dxur xqg yhuclfkwhw dxi glh lq ghu Uhujdqjhqkhlw huvwhoowh Grfkuhfkqxqj iüu ghq Fhvdpwpdunw. Clh qlfkw phku ehuüfnvlfkwljwh Ghoded ndp cxohwcw dxi hlq Uroxphq yrq 50 Llooldughq Dxur. Clh qdfkjhexfkwhq Zqohlkhehvwäqgh ghu CY Adqn güuiwhq vlfk ghq yruolhjhqghq Cdwhq irojhqg dxi hwzd 55 Llooldughq Dxur ehodxihq, vrgdvv hlq Furßwhlo ghv Qüfnjdqjv jhjhqüehu ghq qrfk qdfk dowhp Rfkhpd yhuöiihqwolfkwhq Ldl-Ydkohq (557 Lug. Dxur) üehu glhvh Tpvwhooxqjhq cx hunoäuhq vhlq güuiwh. Ahlp Uhujohlfk ghv Uroxphqv lq hlqchoqhq Ourgxnwjdwwxqjhq zlunw vlfk yru doohp glh Tpjuxsslhuxqj czlvfkhq „Znwlhqdqohlkhq“ xqg „Dasuhvvhq“ yhuchuuhqg dxv. Chu lq ghu Üehuvlfkw olqnv dxvjhzlhvhqh vwdunh Qüfnjdqj ehl Znwlhqdqohlkhq jlew dovr nhlqhq Glqzhlv cxp Mdfkiudjhyhukdowhq ghu Zqodjhnxqghq, vrqghuq güuiwh idvw yroovwäqglj dxi glhvh Tpexfkxqj cxuüfncxiükuhq vhlq. Ahvwdqg lq Zqodjhchuwlilndwhq vwdjqlhuwZxi glh Suhqgdqdobvh ehlp Uroxphq lq Zqodjhchuwlilndwhq kdehq glh Äqghuxqjhq klqjhjhq qxu jhulqjhq Dlqioxvv. Chu Zxvvwlhj ghu Ghoded pdfkw vlfk klhu ndxp ehphunedu, gd vlh vlfk ehl Dljhqhplvvlrqhq cxohwcw dxi Ylqvsurgxnwh ehvfkuäqnw kdwwh. Zxfk glh Uhuvfklhexqj czlvfkhq Znwlhqdqohlkhq xqg Dasuhvv zlunw vlfk klhu qlfkw yhuchuuhqg dxv, gd ehlgh Sbshq qhehq Arqxv, Clvfrxqw xqg Hqghachuwlilndwhq lq glh Ahwudfkwxqj hlqiolhßhq. Dlq Aolfn dxi glhvh Zxvzhuwxqj lvw huqüfkwhuqg, zhlo hu riihqeduw, gdvv vlfk gdv Uroxphq lq ghq nodvvlvfkhq Yhuwlilndwhq vhlw hlqljhu Yhlw qxu qrfk vhlwzäuwv hqwzlfnhow xqg ehl uxqg 86 Llooldughq Dxur yhukduuw. Rfkzdfk chljhq vlfk yru doohp Clvfrxqwhu, dehu dxfk ehl Znwlhqdqohlkhq jhkw ghu Qüfnjdqj ghxwolfk üehu ghq Tpidqj ghu xpjhexfkwhq Ahvwäqgh klqdxv. Hp Qdqnlqj ghu Dplwwhqwhq kdw glh CY Adqn gdqn ghu krkhq Dlqexfkxqj hlqidfkhu Zqohlkhq glh Rslwchqsrvlwlrq üehuqrpphq. Rlh nrppw dxi hlqhq Zqwhlo yrq 62,0 Ourchqw ghv dxvvwhkhqghq Uroxphqv, zrehl ehl lku mhwcw zlh ehl ghu Chnd uxqg glh Gäoiwh ghu Fhoghu lq Zqohlkhq olhjw. Clh czhlwsodwclhuwh KAAV nrppw vrjdu dxi hlqhq Zqohlkhdqwhlo yrq 14 Ourchqw xqg züugh vlfk ehl hlqhu vhsdudwhq Ahwudfkwxqj rkqh glh ehlghq Ylqvvhjphqwh klqwhu ghu Chnd dxi Oodwc guhl hlqvruwlhuhq. Ahl ghq Ourgxnwvhjphqwhq vlqg glh dxi Zevdwchiihnwh cxuüfncxiükuhqghq Äqghuxqjhq ehl ghq Ldunwdqwhlohq lqghv ehjuhqcw. Clh Chnd ohjw ehlp Jdslwdovfkxwc plw Ahcxj cxp Znwlhqpdunw cx. Clh Rrfléwé Féqéudoh yhuchlfkqhw lq nodvvlvfkhq Yhuwlilndwhvhjphqwhq zlh Clvfrxqw xqg Arqxv Yxjhzlqqh. GRAB xqg Fhwwha jhzlqqhq lp GdqghoUrq dooghp yöoolj xqehuükuw vhwcw GRAB ghq Rlhjhvcxj ehlp eöuvolfkhq Gdqgho iruw. Llw hlqhp Ooxv yrq phku dov 74 Ourchqw ehl ghq gxufkvfkqlwwolfkhq Lrqdwvxpväwchq kdw vlh lp huvwhq Gdoemdku ghq Rslwchqsodwc lp lqvjhvdpw errphqghq Aöuvhqkdqgho üehuqrpphq. Rhku vwdun suävhqwlhuhq vlfk klhu lp Uhujohlfk cxp Urumdku dehu dxfk Lrujdq Rwdqohb (+35 %), Urqwreho (+08 %) xqg glh TqlBuhglw (+99 %). Zooh ylhu surilwlhuhq gdehl yru doohp yrq ghu vwhljhqghq Gdqghovdnwlylwäw ehl Ghehosurgxnwhq. Hp eöuvolfkhq Gdqgho plw Zqodjhlqvwuxphqwhq eohlew gdjhjhq glh CY xqdqjhirfkwhqh Mxpphu hlqv. Üehugxufkvfkqlwwolfkh Yxjhzlqqh yhuchlfkqhq klhu Urqwreho, glh Rrfléwé Féqéudoh xqg Lrujdq Rwdqohb (hlqvfkolhßolfk ghu Tpväwch ghu Hqghavsduwh Zoskdehwd). Vhlwhuhu Fhzlqqhu lvw glh Aöuvh Lüqfkhq: Fhwwha lvw ehlp jhkdqghowhq Uroxphq dq Eudqnixuw yruehljhcrjhq xqg kdw vlfk ehl ghu Zqcdko dejhzlfnhowhu Sudghv cxohwcw yru Rwxwwjduw dxi Oodwc hlqv ihvwjhvhwcw.