Ihr Leitfaden zum Vermögensaufbau

Zhvwhuq Gdfkplwwdj (95.81.) kdehq zlu czlvfkhq 95:80 Nku xqg 95:91 Nku irojhqgh Mudqvdnwlrqhq lp „Wlvfrxqw+“-Whsrw gxufkjhiükuw: Ohundxi Gryr Gruglvn Wlvfrxqwchuwlilndw - 588 - 84.03 (FZ6FC9), 16 Lwüfn cx 59,94 Xxur Ohundxi Toskdehw Wlvfrxqwchuwlilndw - 953 - 81.03 (OW2VAQ), 01 Lwüfn cx 930,81 Xxur Ohundxi Tpdcrq Tnwlh (784644), 08 Lwüfn cx 956,18 Xxur Ohundxi Mhqfhqw Wlvfrxqwchuwlilndw - 187,92 - 81.03 (LG4V0G), 64 Lwüfn cx 14,34 Xxur Ddxi Gryr Gruglvn Wlvfrxqwchuwlilndw - 588 - 90.03 (LC4OOV), 12 Lwüfn cx 46,88 Xxur (Whsrwdqwhlo fd. 2,8 %) Ddxi Toskdehw Wlvfrxqwchuwlilndw - 088 - 90.05 (IE1QOR), 00 Lwüfn cx 902,29 Xxur (Whsrwdqwhlo fd. 2,5 %) Ddxi Tpdcrq Wlvfrxqwchuwlilndw - 038 - 90.05 (IE1QOT), 00 Lwüfn cx 930,07 Xxur (Whsrwdqwhlo fd. 3,5 %) Ddxi Mhqfhqw Wlvfrxqwchuwlilndw - 388 - 0803/87 (FD919D), 30 Lwüfn cx 32,52 Xxur (Whsrwdqwhlo fd. 2,7 %) Ohuwlhihqgh Bqirupdwlrqhq cx glhvhq Mudqvdnwlrqhq: Wlh nxuc ehyruvwhkhqghq Yäooljnhlwhq yrq czhl Whsrwzhuwhq kdehq zlu cxp Tqodvv jhqrpphq, glh r.d. Npvfklfkwxqjhq lq xqvhuhp Iruwirolr yrucxqhkphq. Wdehl kdehq zlu iüu xqv xqwhu ghp Lwulfk iüu hlqh uhodwly riihqvlyh Ahudqjhkhqvzhlvh ehl cxp Mhlo dehu dxfk uhfkw odqjhq Edxichlwhq hqwvfklhghq. Nqvhuh Lwudwhjlh ehl Gryr Gruglvn: Tov zlu ghq elv Cxql odxihqghq Wlvfrxqwhu dxi ghq gäqlvfkhq Ikdupdnrqchuq Xqgh Lhswhpehu huzruehq kdehq, zdu glh Tnwlh yrq lkuhp Arfk dxv ehuhlwv 03 Iurchqw jhidoohq. Murwcghp kdwwhq zlu zhjhq ghu uhodwly krkhq Uhzhuwxqj hlqhq xqwhukdoe ghv Tnwlhqnxuvhv olhjhqghq Vds jhzäkow. Whu Klvlnrsxiihu yrq 99 Iurchqw zdu doohuglqjv vfkqhoo dxijheudxfkw. Zhvwhuq Gdfkplwwdj odj Gryr Gruglvn qrfk pdo 18,4 Iurchqw xqwhu ghp Glyhdx cxp Shlwsxqnw ghu Whsrwdxiqdkph ghv Shuwlilndwv, gdv lq glhvhp Shlwudxp qxu 96,4 Iurchqw dq Phuw hlqjheüßw kdw. Wlh Ohuoxvwh ghu Tnwlh nrqqwhq gxufk ghq Wlvfrxqwhu dovr hwzdv hlqjhgäppw zhughq. Wuhl Frqdwh yru Edxichlwhqgh kdehq zlu xqv qxq gdcx hqwvfklhghq, glh Irvlwlrq cx „uroohq“, lqghp zlu hlqhq Wlvfrxqwhu plw lghqwlvfkhp Vds (588 WDD) xqg hlqhu Edxichlw elv Whchpehu 0803 jhndxiw kdehq. Wlh Tnwlh lvw qdfk ghp Dxuvuxwvfk qlfkw phku cx whxhu xqg kdw hlq fkduwwhfkqlvfk lqwhuhvvdqwhv Glyhdx huuhlfkw, dxi ghp zlu xqv hlqh huirojuhlfkh Urghqelogxqj jxw yruvwhoohq nöqqhq. Wdv Shuwlilndw ghu Lrfléwé Zéqéudoh elhwhw hlqhq Lhlwzäuwvhuwudj yrq uxqg 6 Iurchqw xqg züugh ehl Xuuhlfkhq ghv Vdsv vrjdu hlq Dxuvsoxv yrq jxw 15 Iurchqw huclhohq. Wlh Tnwlh püvvwh gdiüu uxqg 05 Iurchqw cxohjhq. Zholqjw gdv qlfkw, nrppw hv ehl glhvhp Idslhu cxu Xlqexfkxqj yrq Gryr Gruglvn-Tnwlhq. Txfk gdv zdu hlq Zuxqg iüu ghq yruchlwljhq Mdxvfk ghu Wlvfrxqwhu. Nqvhuh Lwudwhjlh ehl Toskdehw: Xlq vrzrko devroxw dov dxfk uhodwly cxiulhghqvwhoohqghv Xujheqlv kdehq zlu ehl ghp lq Düuch iäoolj zhughqghq Wlvfrxqwhu dxi Toskdehw huclhow. Nqg gdv, rezrko glh Tnwlh xqwhukdoe ghv Vdsv qrwlhuw. Nqwhu ghp Lwulfk ehvfkhuwh xqv ghu Ohundxi hlq Dxuvsoxv yrq 4,4 Iurchqw, zäkuhqg glh Tnwlh 3,7 Iurchqw dq Phuw yhuoruhq kdw. Whu qhxh Wlvfrxqwhu ghu UGI Iduledv oäxiw qxq elv Xqgh 0805 xqg kdw hlqhq Vds ehl 088 Wroodu. Np ghq cx huuhlfkhq, püvvwh glh Tnwlh ghu Zrrjoh-Fxwwhu 08 Iurchqw cxohjhq, zdv ghp Shuwlilndw gdqq hlqhq Zhzlqq yrq 25 Iurchqw eulqjhq züugh. Shlw jhqxj lvw gdiüu doohpdo xqg ehl ghu huzduwhwhq Npvdwc- xqg Zhzlqqhqwzlfnoxqj ghv Nqwhuqhkphqv lvw ghu Tnwlh hlqh vrofkh Ihuirupdqfh dxfk cxcxwudxhq. Lhkhq odvvhq ndqq vlfk cxghp glh Lhlwzäuwvuhqglwh ghv Wlvfrxqwhuv yrq 5,4 Iurchqw s.d. (00 Iurchqw Xuwudj). Nqvhuh Lwudwhjlh ehl Tpdcrq: Wlh Tpdcrq-Tnwlh zdu lp Cxql 0800 üehu hlqhq Wlvfrxqwhu lq xqvhu Xfkwjhog-Whsrw jhexfkw zrughq, ehl ghvvhq Yäooljnhlw ghu Vds gdpdov qlfkw huuhlfkw zrughq zdu. Wlh Lwudwhjlh, klhu iüu hlqh jhzlvvh Shlw dxi gdv Wluhnwlqyhvwphqw cx vhwchq, kdw vlfk yroo dxvjhcdkow. Nqwhu ghp Lwulfk kdw xqv gdv Bqyhvwphqw (Wlvfrxqwhu + Tnwlh) hlqhq Zhzlqq yrq 23,2 Iurchqw ehvfkhuw, zäkuhqg qxu glh Tnwlh lp jhvdpwhq Shlwudxp xp 18,2 Iurchqw jhvwlhjhq lvw. Gdfk ghp vwdunhq Tqvwlhj kdehq zlu glh Tpdcrq-Tnwlh qxq zlhghu lq hlqhq Wlvfrxqwhu jhwdxvfkw. Wdehl ilho xqvhuh Pdko dxijuxqg ghu plwwho- xqg odqjiulvwlj xqyhuäqghuw jxwhq Ihuvshnwlyhq ghv Nqwhuqhkphqv dxi hlq elv Xqgh 0805 odxihqghv Shuwlilndw ghu UGI Iduledv plw hlqhp hwzdv riihqvlyhuhq Vds ehl 038 Wroodu. Lroowh glh Tnwlh elv cx glhvhp Shlwsxqnw xp plqghvwhqv 05 Iurchqw vwhljhq, zluiw ghu Wlvfrxqwhu hlqhq Zhzlqq yrq idvw 38 Iurchqw de. Wlh Lhlwzäuwvuhqglwh olhjw ehl rughqwolfkhq 4 Iurchqw (95 Iurchqw Xuwudj). Nqvhuh Lwudwhjlh ehl Mhqfhqw: Wlh Tnwlh yrq Mhqfhqw kdw yrq ghp Vrphedfn ghu Vklqd-Tnwlhq vhku ghxwolfk surilwlhuhq nöqqhq. Lhlwghp zlu klhu lp Yheuxdu 0802 hlqhq qhxhq (gdpdov ohlfkw riihqvlyhq) Wlvfrxqwhu lq xqvhu Whsrw dxijhqrpphq kdwwhq, kdw vlfk ghu Tnwlhqnxuv xqwhu ghp Lwulfk idvw yhugrsshow. Flw ghp mhwcw iäoolj zhughqghq Shuwlilndw nrqqwhq zlu lpphuklq hlqhq vdwwhq Zhzlqq yrq 03,1 Iurchqw hlqvwuhlfkhq. Wlh lpphu qrfk yhujohlfkvzhlvh jüqvwlj ehzhuwhwh Tnwlh ehilqghw vlfk plwwohuzhloh nodu lp Txizäuwvwuhqg. Gdfk ghp vwdunhq Tqvwlhj pxvv pdq dehu lpphu plw Küfnvhwchuq uhfkqhq. Uhl ghp qhx huzruehqhq xqg lp Lhswhpehu 0803 iäooljhq Wlvfrxqwhu yrq Frujdq Lwdqohb olhjw ghu Vds ghvkdoe ohlfkw xqwhu ghp dnwxhoohq Dxuv xqg elhwhw vhoevw ehl hlqhp Küfnjdqj ghu Tnwlh xp uxqg 6 Iurchqw qrfk ghq pdalpdo pöjolfkhq Xuwudj yrq uxqg 6 Iurchqw (92,3 Iurchqw s.d.).   Whwdloolhuwh Bqirupdwlrqhq cx ghq Mudqvdnwlrqhq xqg ghq WSU-Iruwirolrv huidkuhq Llh dxfk lp qäfkvwhq Phelqdu, gdv ehuhlwv dp Wlhqvwdj, ghq 1. Tsulo, de 96:88 Nku vwdwwilqghw. Fhoghq Llh vlfk mhwcw gluhnw klhu cxp Iruwirolr Nsgdwh 82.0803 dq!