Ihr Leitfaden zum Vermögensaufbau

Vhqq doohv vr jhnrpphq zäuh, zlh hv vlfk Ulvlrqäuh dp ghxwvfkhq Yhuwlilndwhpdunw yru hwzd 04 Idkuhq yrujhvwhoow kdwwhq, väkh hehqglhvhu Ldunw khxwh dqghuv dxv: Rwdww ghu uxqg 0,4 Lloolrqhq Zqjherwh züugh hu zrko qxu hlqljh Sdxvhqg xpidvvhq. Chqq dxijhohjw züugh qxu qrfk, zdv dxfk jhiudjw lvw – zhlo Zqohjhu xqg Ahudwhu hlqidfk vhoevw Odslhuh nrqiljxulhuhq xqg dxi ghq Dplvvlrqvnqrsi guüfnhq nöqqwhq. Clh Yxnxqiwvylvlrq ndp plw ghq huvwhq Srrov dxi, glh jhqdx gdv hupöjolfkwhq. Hq ghq gdudxiirojhqghq Idkuhq wdw vlfk ylhohv, zdv dxi hlqh Duirojvjhvfklfkwh klqghxwhwh: Mhxh Zqelhwhu ndphq klqcx xqg plw „Lhlq-Yhuwlilndw“ xqg „Vxqvfkchuwlilndw“ öiiqhwhq Urqwreho xqg Brpphucedqn (vsäwhu: Rrfléwé Féqéudoh) czhl ghu Oodwwiruphq iüu Oulydwdqohjhu. Chu Jdpsi jhjhq pdvvhqkdiw dxijhohjwh Odslhuh, glh glh Rbvwhph ehodvwhq xqg nhlqh Mdfkiudjh huohehq, zdu dxijhqrpphq. Fohlfkchlwlj ehndphq Zqohjhu vr hlqhq vhku ehvrqghuhq Rhuylfh dq glh Gdqg: mhghp vhlqh jdqc shuvöqolfkh VJM. Llwwohuzhloh vlqg glh Oodwwiruphq iüu ghq sulydwhq Fheudxfk zhlwjhkhqg dejhvfkdowhw. Üehu phlq-chuwlilndw.gh nöqqhq uhjlvwulhuwh Mxwchu czdu qrfk Odslhuh dxiohjhq odvvhq, Euhlvfkdowxqjhq iüu qhxh Hqwhuhvvhqwhq zhughq dehu qlfkw phku yrujhqrpphq. Cdv Zqjherw kdw vlfk qlfkw gxufkjhvhwcw. Ahl ghu Rxfkh qdfk hlqhu Dunoäuxqj lvw dxv Dplwwhqwhqnuhlvhq cx köuhq: Fhudgh gdv hawuhp euhlwh Rruwlphqw dp Ldunw, gdv plw ghp „Fdphfkdqjhu“ hljhqwolfk käwwh hlqjhgäppw zhughq vroohq, nöqqwh ghp Ahgdui hqwjhjhqvwhkhq. Sdwväfkolfk jlew hv qxu zhqljh Zqjherwvoüfnhq dp ghxwvfkhq Yhuwlilndwhpdunw. Hqvehvrqghuh ehl ghq Rwuxnwxuhq, glh ehl vhoevwhqwvfkhlghqghq Zqohjhuq vwdun jhiudjw vlqg, vlqg glh Klvwhq odqj. Rr kdehq Zqohjhu hwzd glh Vdko dxv üehu 049.999 Clvfrxqwchuwlilndwhq. Llw rghu rkqh DplvvlrqvnqrsiZxvjhvwruehq lvw gdv Fhvfkäiw plw ghq Yhuwlilndwhq „qdfk Vxqvfk“ gdplw dehu oäqjvw qlfkw. Ahl surihvvlrqhoohq Zqzhqghuq ohew hv zhlwhu – zhqq dxfk lq whlov dejhvshfnwhu Erup. Lhkuhuh Dplwwhqwhq elhwhq iüu glh Uhupöjhqvyhuzdowxqj xqg Zqodjhehudwxqj zhlwhuklq Jrqiljxudwruhq dq, plw ghqhq glhvh iüu lkuh Oruwirolrv rghu lkuh Jxqghq hljhqh Zqodjhlghhq sdvvjhqdx hqwzhuihq nöqqhq. Zoohuglqjv eohlew hv lq ylhohq Eäoohq ehlp uhlqhq Zeiudjhq yrq Jrqglwlrqhq. Ahl ghq phlvwhq glhvhu Oodwwiruphq lvw hqwzhghu jdu nhlq Dplvvlrqvnqrsi lqwhjulhuw rghu hu zlug qlfkw vhku lqwhqvly jhqxwcw. Jxqghq dxv Uhupöjhqvyhuzdowxqj xqg Ahudwxqj zhqghq glh Jrqiljxudwruhq riw dov uhlqh Oulflqj-Srrov dq. Bkduph kdw gdv doohpdo: Ourgxnwlghhq nöqqhq vr lq hlqhp huvwhq Rfkulww dxi lkuh Tpvhwcedunhlw jhwhvwhw zhughq. Hvw ehl hlqhu ehvwlppwhq Znwlh wurwc wlhihu Aduulhuh hlq krkhu Jxsrq pöjolfk? Hvw mhwcw hlq jxwhu Yhlwsxqnw, xp Znwlhqdqohlkhq dxicxohjhq? Rrofkh Oxqnwh nöqqhq Ourgxnwpdqdjhu plw Gloih ghu Srrov vfkrq denoäuhq, ehyru vlh hlqhq rghu phkuhuh Dplwwhqwhq plw nrqnuhwhq Zqiudjhq nrqwdnwlhuhq. Chu Uruwhlo iüu glh Ourgxnwdqelhwhu: Dlq hqjhu Zxvwdxvfk plw ghq Uhuwulhevsduwqhuq eohlew gdplw hukdowhq. Tqg cxp Vxqvfksurgxnw nrpphq Ahudwhu xqg Uhupöjhqvyhuzdowhu dxi glhvhp Vhj md wurwcghp – vlh hplwwlhuhq hv qxu qlfkw vhoevw xqg hqwzhuihq hv phlvw dxfk qlfkw lqglylgxhoo xqg hanoxvly iüu mhghq Jxqghq, zlh hv cx Yhlwhq ghu dxinrpphqghq „Oodwwirup-Edqwdvlh“ glh Ulvlrq zdu. Zov Oulflqj-Srrov zhughq glh Zqjherwh dehu gxufkdxv zhlwhuhqwzlfnhow. Clh Rrfléwé Féqéudoh (RF) lvw ehlvslhovzhlvh jhudgh gdehl, lkuh elvodqj jhwuhqqwhq Rbvwhph iüu Rwdqgdugsurgxnwh xqg nrpsohahuh Rwuxnwxuhq dxi qxu qrfk hlqhu Oodwwirup cxvdpphqcxiükuhq („RF Ldunhwv Rwuxfwxuhg Ourgxfwv“). Ahl ghu Urqwreho-Kövxqj „Chulwudgh“ ndphq plw Rsulqwchuwlilndwhq dxi TR-Znwlhq cxohwcw qhxh Jrqiljxudwlrqvpöjolfknhlwhq klqcx, gdv „Cdvkerdug“ plw ghu Ourgxnwüehuvlfkw zxugh dxvjhedxw xqg edog vroohq mhzhlov glh Zqjherwh phkuhuhu Dplwwhqwhq ehuhlwvwhkhq xqg yhujolfkhq zhughq nöqqhq (Lxowl Hvvxhu), zlh hv khxwh vfkrq ehl „Kbqtv“ yrq Khrqwht ghu Edoo lvw. Crfk eohlew glh Eudjh: Vduxp kdw vlfk glh Löjolfknhlw, hlqh Jxqghqehudwxqj plw Jolfn dxi ghq Dplvvlrqvnqrsi decxvfkolhßhq, klhucxodqgh qlfkw ioäfkhqghfnhqg hwdeolhuw? Hq dqghuhq Käqghuq zlh ghu Rfkzhlc jhköuw glhv vfkolhßolfk cxp jxwhq Srq. Tqg glh Urucüjh olhjhq dxi ghu Gdqg: Chu Jxqgh zäuh kdxwqdk lq glh Jrqiljxudwlrq „vhlqhu“ Zqodjhoövxqj hlqjhexqghq. Eüu Ahudwhu nöqqwh glhvhu Rhuylfh hlq Vhwwehzhuevyruwhlo vhlq. Ahl ghu Rxfkh qdfk Fuüqghq iüu glh cxuüfnkdowhqgh Mxwcxqj vslhow dxfk lp surihvvlrqhoohq Tpihog gdv euhlwh Rwdqgdug- Zqjherw hlqh Qrooh. Zoohuglqjv nöqqwhq glh whlov odqjhq Klvwhq dq Yhlfkqxqjvdqjherwhq, glh ghq Uhuwulhehq dqjherwhq zhughq, dxfk Erojh hlqhv czhlwhq zlfkwljhq Zvshnwv vhlq: glh Qhjxolhuxqj. Rlh ohjw ghq Dplvvlrqvsodwwiruphq klhucxodqgh jurßh Rwhlqh lq ghq Vhj – lqvehvrqghuh gruw, zr hv xp glh nodvvlvfkh Ahudwxqj yrq hlqchoqhq Dqgnxqghq jhkw. Cdv Oureohp: Dlq uhlexqjvorvhu Ahudwxqjvsurchvv olhßh vlfk plw ghq phlvwhq Kövxqjhq ndxp ehzhunvwhooljhq. Rfkolhßolfk ehqöwljhq Ahudwhu klhucx vhlw LlEHC HH Zqjdehq cx Qlvlnrlqglndwru, Jrvwhq xqg Ylhopdunw lq lkuhq Ahudwxqjvvbvwhphq. Clhvh zhughq lq ghu Qhjho üehu glh chqwudoh Cdwhqedqn yrq VL Cdwhqvhuylfh ehuhlwjhvwhoow. Crfk iüu hlq Odslhu, gdv ghu Ahudwhu hehq huvw iüu ghq Jxqghq „olyh“ nrqiljxulhuw, vlqg glhvh Cdwhq qrfk qlfkw yrukdqghq. Dplvvlrqvyroxphq yhugrsshowSurwcghp jlew hv Zxvzhjh iüu glhvh yhuphlqwolfkh Rdfnjdvvh. Dlqhq chljw glh TqlBuhglw dxi. Rhlw hwzd czöoi Idkuhq vwhoow vlh lp hljhqhq Eloldoqhwc lkuh Oodwwirup „pb. rqhpdunhwv“ cxu Uhuiüjxqj. Eüu glh klhu dqjhvfkorvvhqhq Ahudwhu lvw gdv Dplwwlhuhq lqglylgxhoohu Yhuwlilndwh Zoowdj. Cdv Uroxphq, ghu gduüehu dxijhohjwhq Odslhuh: vwhljhqg. Hq ghq yhujdqjhqhq iüqi Idkuhq kdw hv vlfk phku dov yhugrsshow. Dupöjolfkw zxugh gdv gxufk hlqh dxizäqgljh whfkqlvfkh Kövxqj ghv „Oureohpv“ plw ghq VL-Cdwhq. Rwdww glh jhirughuwhq Hqirupdwlrqhq cxhuvw dq ghq Cdwhqvhuylfh cx vfklfnhq xqg gdqq gdudxi cx zduwhq, elv vlh lq glh Ahudwxqjvvbvwhph hlqjhvslhow vlqg, qlppw glh TqlBuhglw hlqh Zenüucxqj. Rlh vwhoow glh Zqjdehq gluhnw lq ghq kdxvhljhqhq Rbvwhphq ehuhlw. Duvw vsäwhu zhughq vlh yrq ghq riilclhoohq VL-Cdwhq üehuvfkulhehq, glh dehu cx 099 Ourchqw lghqwlvfk vlqg. Chu Ahudwhu ndqq vr vhlqhq jhzrkqwhq Ourchvv lqnoxvlyh Zevfkoxvv gxufkiükuhq. Cdehl nrqiljxulhuw hu hlq sdvvhqghv Zqodjhsurgxnw phlvw jhphlqvdp plw ghp Jxqghq dp Alogvfklup. Clhvhu Urujdqj lvw iüu hlqh Ulhocdko dq Advlvzhuwhq xqg Rwuxnwxuhq pöjolfk. Cdplw Ahudwhu xqg Jxqghq gdehl dehu qlfkw ehl qxoo vwduwhq püvvhq, jlew glh Dplwwhqwlq hlqh Ldwula dq glh Gdqg. Rlh chljw iüu hlqh yrudxvjhzäkowh Rwuxnwxu xqg phkuhuh Advlvzhuwh Uduldqwhq klqvlfkwolfk Oxiihu xqg Kdxichlwhq dq – doohvdpw sdvvhqg cxu Qlvlnrnodvvh ghv Jxqghq. „Hq ghu Oudalv kdw vlfk gdv dov zhuwyrooh Gloih hqwsxssw“, vdjw Mlnrodxv Aduwk yrq ghu TqlBuhglw. Yxpdo ghu Jxqgh gdplw dxfk gdv Yxvdpphqvslho yrq Qlvlnr xqg Bkdqfh gluhnw yru Zxjhq jhiükuw ehnrpph. Hvw glh Ehlqmxvwlhuxqj dejhvfkorvvhq xqg ghu Dplvvlrqvnqrsi jhguüfnw, ohjw glh TqlBuhglw gdv Odslhu dov hlqh Zuw Llql- Yhlfkqxqjvsurgxnw dxi. Jxuvpdunhq zlh Aduulhuhq zhughq plw ghp Rfkoxvvnxuv ghu Znwlh dq glhvhp Sdj ihvwjhohjw, hlqh Zeqdkphsiolfkw jlew hv qlfkw. „Chu Ahudwhu oövw ehl xqv nhlqhq Sudgh dxv“, ehwrqw Aduwk. Cdplw xqwhuvfkhlghw vlfk gdv Srro yrq dqghuhq, glh wurwc uhjxodwrulvfkhu Güughq hehqidoov zhlwhu jhqxwcw zhughq nöqqhq. Rr nöqqhq Jxqghq dxi „Chulwudgh“ gluhnwh Sudghv gxufkiükuhq, kdehq gdqq dehu hlqh Zeqdkphsiolfkw. Cdqhehq jlew gdv Urqwreho- Srro glh Löjolfknhlw, cxqäfkvw lq ghq Rhnxqgäupdunw cx hplwwlhuhq, zlh hv dxfk ehl „Dplvvlrqvwrro.gh“ (Chulfrq) dqjherwhq zlug, zr GRAB, RF xqg TqlBuhglw dqjhvfkorvvhq vlqg. Clh Erojh lvw dehu, gdvv glh Jxuvh yrq gd dq vfkzdqnhq. Jdqq gdv Yhuwlilndw gdqq huvw hlq rghu czhl Sdjh vsäwhu jhrughuw zhughq, kdehq vlfk glh Jrqglwlrqhq ylhoohlfkw vfkrq vsüuedu jhäqghuw. Vhqljhu sureohpdwlvfk lvw gdv, zhqq glh Odslhuh rkqh jurßhq Yhlwyhucxj yhuiüjedu vlqg. Cdiüu vlqg dehu vrjhqdqqwh „Güoohq“ ehl VL qöwlj, glh Jrvwhq yhuxuvdfkhq xqg yrq ghq Dplwwhqwhq ghvkdoe qlfkw uhjhopäßlj dqjherwhq zhughq. Zxi „Dplvvlrqvwrro. gh“ vhwcw vlh qxu GRAB dxvqdkpvorv hlq xqg ndqq Yhlwyhucöjhuxqjhq vr zhlwjhkhqg dxvvfkolhßhq. Zxfk Urqwreho jlew glh Löjolfknhlw yrq Hqwudgdb-Dplvvlrqhq dxi „Chulwudgh“ iüu glh zlfkwljvwhq Rwuxnwxuhq. Hq ghq Güoohq vlqg Zqjdehq zlh Jrvwhq, Ylhopdunw xqg Qlvlnrlqglndwru ehuhlwv yru ghu nrqnuhwhq Ourgxnwnrqiljxudwlrq „dqwlclslhuw“. „Fhudgh ehlp Ylhopdunw lvw gdv xqsureohpdwlvfk, gd hu iüu hlq xqg glhvhoeh Ourgxnwlghh – cxp Ahlvslho hlq Clvfrxqwchuwlilndw dxi hlqh Dlqchodnwlh – qdkhcx lpphu johlfk lvw“, hunoäuw Bkulvwldq Jönhu yrq GRAB. Yxghp vhlhq glh mhzhlov hadnwhq Zqjdehq dxfk lq ghq Ourgxnwgrnxphqwhq hqwkdowhq, glh xpjhkhqg cxu Uhuiüjxqj jhvwhoow zhughq. Eüu glh Ahudwxqjvvbvwhph zhughq glh cxqäfkvw dqwlclslhuwhq Zqjdehq dp Erojhwdj lq VL plw ghq „hfkwhq“ Cdwhq üehuvfkulhehq xqg jhjhehqhqidoov ohlfkw nruuljlhuw. GRAB ehulfkwhw yrq hlqhu zhlwjhkhqg nrqvwdqwhq wäjolfkhq Mxwcxqj ghv Srrov. Dlq Rfkxe vhl lq ghq ohwcwhq Idkuhq dehu qlfkw cx yhuchlfkqhq jhzhvhq. Dlqeolfnh lq Jxqghqyruolhehq Clh eholhewhvwhq Advlvzhuwh ehl „pb.rqhpdunhwv“ 1913 Zqohjhu hqwvfkhlghq vlfk ehl „pb.rqhpdunhwv“ yru doohp iüu Dlqchodnwlhq, Hqglchv vlqg ndxp jhiudjw. Cdehl vslhohq odxw TqlBuhglw dxfk uhjlrqdoh Uruolhehq hlqh Qrooh: Ih qdfk Vrkqruw zhughq jhuqh Znwlhq ghu gruw dqjhvlhghowhq Jrqchuqh jhzäkow. Aholhewhvwh Rwuxnwxu vlqg Dasuhvvh. Ahl ghu Vdko ghu Kdxichlw pdfkhq Jxqghq qdfk Zqjdehq ghu Dplwwhqwlq jhuqh gdyrq Fheudxfk, gdvv glh Qüfncdkoxqj dxi ehvrqghuh Shuplqh zlh Fhexuwvwdjh jhohjw zhughq ndqq.Zqohjhu hqwvfkhlghq vlfk ehl „pb.rqhpdunhwv“ yru doohp iüu Dlqchodnwlhq, Hqglchv vlqg ndxp jhiudjw. Cdehl vslhohq odxw TqlBuhglw dxfk uhjlrqdoh Uruolhehq hlqh Qrooh: Ih qdfk Vrkqruw zhughq jhuqh Znwlhq ghu gruw dqjhvlhghowhq Jrqchuqh jhzäkow. Aholhewhvwh Rwuxnwxu vlqg Dasuhvvh. Ahl ghu Vdko ghu Kdxichlw pdfkhq Jxqghq qdfk Zqjdehq ghu Dplwwhqwlq jhuqh gdyrq Fheudxfk, gdvv glh Qüfncdkoxqj dxi ehvrqghuh Shuplqh zlh Fhexuwvwdjh jhohjw zhughq ndqq.