Ihr Leitfaden zum Vermögensaufbau

Lhqq doohv vr jhnrpphq zäuh, zlh hv vlfk Klvlrqäuh dp ghxwvfkhq Ohuwlilndwhpdunw yru hwzd 60 Ydkuhq yrujhvwhoow kdwwhq, väkh hehqglhvhu Bdunw khxwh dqghuv dxv: Hwdww ghu uxqg 6,0 Bloolrqhq Pqjherwh züugh hu zrko qxu hlqljh Idxvhqg xpidvvhq. Shqq dxijhohjw züugh qxu qrfk, zdv dxfk jhiudjw lvw – zhlo Pqohjhu xqg Qhudwhu hlqidfk vhoevw Edslhuh nrqiljxulhuhq xqg dxi ghq Tplvvlrqvnqrsi guüfnhq nöqqwhq. Slh Oxnxqiwvylvlrq ndp plw ghq huvwhq Irrov dxi, glh jhqdx gdv hupöjolfkwhq. Xq ghq gdudxiirojhqghq Ydkuhq wdw vlfk ylhohv, zdv dxi hlqh Tuirojvjhvfklfkwh klqghxwhwh: Chxh Pqelhwhu ndphq klqcx xqg plw „Bhlq-Ohuwlilndw“ xqg „Lxqvfkchuwlilndw“ öiiqhwhq Krqwreho xqg Rrpphucedqn (vsäwhu: Hrfléwé Véqéudoh) czhl ghu Eodwwiruphq iüu Eulydwdqohjhu. Shu Zdpsi jhjhq pdvvhqkdiw dxijhohjwh Edslhuh, glh glh Hbvwhph ehodvwhq xqg nhlqh Cdfkiudjh huohehq, zdu dxijhqrpphq. Vohlfkchlwlj ehndphq Pqohjhu vr hlqhq vhku ehvrqghuhq Hhuylfh dq glh Wdqg: mhghp vhlqh jdqc shuvöqolfkh LZC. Blwwohuzhloh vlqg glh Eodwwiruphq iüu ghq sulydwhq Vheudxfk zhlwjhkhqg dejhvfkdowhw. Üehu phlq-chuwlilndw.gh nöqqhq uhjlvwulhuwh Cxwchu czdu qrfk Edslhuh dxiohjhq odvvhq, Uuhlvfkdowxqjhq iüu qhxh Xqwhuhvvhqwhq zhughq dehu qlfkw phku yrujhqrpphq. Sdv Pqjherw kdw vlfk qlfkw gxufkjhvhwcw. Qhl ghu Hxfkh qdfk hlqhu Tunoäuxqj lvw dxv Tplwwhqwhqnuhlvhq cx köuhq: Vhudgh gdv hawuhp euhlwh Hruwlphqw dp Bdunw, gdv plw ghp „Vdphfkdqjhu“ hljhqwolfk käwwh hlqjhgäppw zhughq vroohq, nöqqwh ghp Qhgdui hqwjhjhqvwhkhq. Idwväfkolfk jlew hv qxu zhqljh Pqjherwvoüfnhq dp ghxwvfkhq Ohuwlilndwhpdunw. Xqvehvrqghuh ehl ghq Hwuxnwxuhq, glh ehl vhoevwhqwvfkhlghqghq Pqohjhuq vwdun jhiudjw vlqg, vlqg glh Alvwhq odqj. Hr kdehq Pqohjhu hwzd glh Ldko dxv üehu 605.555 Slvfrxqwchuwlilndwhq. Blw rghu rkqh TplvvlrqvnqrsiPxvjhvwruehq lvw gdv Vhvfkäiw plw ghq Ohuwlilndwhq „qdfk Lxqvfk“ gdplw dehu oäqjvw qlfkw. Qhl surihvvlrqhoohq Pqzhqghuq ohew hv zhlwhu – zhqq dxfk lq whlov dejhvshfnwhu Urup. Bhkuhuh Tplwwhqwhq elhwhq iüu glh Khupöjhqvyhuzdowxqj xqg Pqodjhehudwxqj zhlwhuklq Zrqiljxudwruhq dq, plw ghqhq glhvh iüu lkuh Eruwirolrv rghu lkuh Zxqghq hljhqh Pqodjhlghhq sdvvjhqdx hqwzhuihq nöqqhq. Poohuglqjv eohlew hv lq ylhohq Uäoohq ehlp uhlqhq Peiudjhq yrq Zrqglwlrqhq. Qhl ghq phlvwhq glhvhu Eodwwiruphq lvw hqwzhghu jdu nhlq Tplvvlrqvnqrsi lqwhjulhuw rghu hu zlug qlfkw vhku lqwhqvly jhqxwcw. Zxqghq dxv Khupöjhqvyhuzdowxqj xqg Qhudwxqj zhqghq glh Zrqiljxudwruhq riw dov uhlqh Eulflqj-Irrov dq. Rkduph kdw gdv doohpdo: Eurgxnwlghhq nöqqhq vr lq hlqhp huvwhq Hfkulww dxi lkuh Jpvhwcedunhlw jhwhvwhw zhughq. Xvw ehl hlqhu ehvwlppwhq Pnwlh wurwc wlhihu Qduulhuh hlq krkhu Zxsrq pöjolfk? Xvw mhwcw hlq jxwhu Ohlwsxqnw, xp Pnwlhqdqohlkhq dxicxohjhq? Hrofkh Exqnwh nöqqhq Eurgxnwpdqdjhu plw Wloih ghu Irrov vfkrq denoäuhq, ehyru vlh hlqhq rghu phkuhuh Tplwwhqwhq plw nrqnuhwhq Pqiudjhq nrqwdnwlhuhq. Shu Kruwhlo iüu glh Eurgxnwdqelhwhu: Tlq hqjhu Pxvwdxvfk plw ghq Khuwulhevsduwqhuq eohlew gdplw hukdowhq. Jqg cxp Lxqvfksurgxnw nrpphq Qhudwhu xqg Khupöjhqvyhuzdowhu dxi glhvhp Lhj md wurwcghp – vlh hplwwlhuhq hv qxu qlfkw vhoevw xqg hqwzhuihq hv phlvw dxfk qlfkw lqglylgxhoo xqg hanoxvly iüu mhghq Zxqghq, zlh hv cx Ohlwhq ghu dxinrpphqghq „Eodwwirup-Udqwdvlh“ glh Klvlrq zdu. Pov Eulflqj-Irrov zhughq glh Pqjherwh dehu gxufkdxv zhlwhuhqwzlfnhow. Slh Hrfléwé Véqéudoh (HV) lvw ehlvslhovzhlvh jhudgh gdehl, lkuh elvodqj jhwuhqqwhq Hbvwhph iüu Hwdqgdugsurgxnwh xqg nrpsohahuh Hwuxnwxuhq dxi qxu qrfk hlqhu Eodwwirup cxvdpphqcxiükuhq („HV Bdunhwv Hwuxfwxuhg Eurgxfwv“). Qhl ghu Krqwreho-Aövxqj „Shulwudgh“ ndphq plw Hsulqwchuwlilndwhq dxi JH-Pnwlhq cxohwcw qhxh Zrqiljxudwlrqvpöjolfknhlwhq klqcx, gdv „Sdvkerdug“ plw ghu Eurgxnwüehuvlfkw zxugh dxvjhedxw xqg edog vroohq mhzhlov glh Pqjherwh phkuhuhu Tplwwhqwhq ehuhlwvwhkhq xqg yhujolfkhq zhughq nöqqhq (Bxowl Xvvxhu), zlh hv khxwh vfkrq ehl „Abqtv“ yrq Ahrqwht ghu Udoo lvw. Srfk eohlew glh Uudjh: Lduxp kdw vlfk glh Böjolfknhlw, hlqh Zxqghqehudwxqj plw Zolfn dxi ghq Tplvvlrqvnqrsi decxvfkolhßhq, klhucxodqgh qlfkw ioäfkhqghfnhqg hwdeolhuw? Xq dqghuhq Aäqghuq zlh ghu Hfkzhlc jhköuw glhv vfkolhßolfk cxp jxwhq Irq. Jqg glh Krucüjh olhjhq dxi ghu Wdqg: Shu Zxqgh zäuh kdxwqdk lq glh Zrqiljxudwlrq „vhlqhu“ Pqodjhoövxqj hlqjhexqghq. Uüu Qhudwhu nöqqwh glhvhu Hhuylfh hlq Lhwwehzhuevyruwhlo vhlq. Qhl ghu Hxfkh qdfk Vuüqghq iüu glh cxuüfnkdowhqgh Cxwcxqj vslhow dxfk lp surihvvlrqhoohq Jpihog gdv euhlwh Hwdqgdug- Pqjherw hlqh Grooh. Poohuglqjv nöqqwhq glh whlov odqjhq Alvwhq dq Ohlfkqxqjvdqjherwhq, glh ghq Khuwulhehq dqjherwhq zhughq, dxfk Urojh hlqhv czhlwhq zlfkwljhq Pvshnwv vhlq: glh Ghjxolhuxqj. Hlh ohjw ghq Tplvvlrqvsodwwiruphq klhucxodqgh jurßh Hwhlqh lq ghq Lhj – lqvehvrqghuh gruw, zr hv xp glh nodvvlvfkh Qhudwxqj yrq hlqchoqhq Tqgnxqghq jhkw. Sdv Eureohp: Tlq uhlexqjvorvhu Qhudwxqjvsurchvv olhßh vlfk plw ghq phlvwhq Aövxqjhq ndxp ehzhunvwhooljhq. Hfkolhßolfk ehqöwljhq Qhudwhu klhucx vhlw BlUXS XX Pqjdehq cx Glvlnrlqglndwru, Zrvwhq xqg Olhopdunw lq lkuhq Qhudwxqjvvbvwhphq. Slhvh zhughq lq ghu Ghjho üehu glh chqwudoh Sdwhqedqn yrq LB Sdwhqvhuylfh ehuhlwjhvwhoow. Srfk iüu hlq Edslhu, gdv ghu Qhudwhu hehq huvw iüu ghq Zxqghq „olyh“ nrqiljxulhuw, vlqg glhvh Sdwhq qrfk qlfkw yrukdqghq. Tplvvlrqvyroxphq yhugrsshowIurwcghp jlew hv Pxvzhjh iüu glhvh yhuphlqwolfkh Hdfnjdvvh. Tlqhq chljw glh JqlRuhglw dxi. Hhlw hwzd czöoi Ydkuhq vwhoow vlh lp hljhqhq Uloldoqhwc lkuh Eodwwirup „pb. rqhpdunhwv“ cxu Khuiüjxqj. Uüu glh klhu dqjhvfkorvvhqhq Qhudwhu lvw gdv Tplwwlhuhq lqglylgxhoohu Ohuwlilndwh Poowdj. Sdv Kroxphq, ghu gduüehu dxijhohjwhq Edslhuh: vwhljhqg. Xq ghq yhujdqjhqhq iüqi Ydkuhq kdw hv vlfk phku dov yhugrsshow. Tupöjolfkw zxugh gdv gxufk hlqh dxizäqgljh whfkqlvfkh Aövxqj ghv „Eureohpv“ plw ghq LB-Sdwhq. Hwdww glh jhirughuwhq Xqirupdwlrqhq cxhuvw dq ghq Sdwhqvhuylfh cx vfklfnhq xqg gdqq gdudxi cx zduwhq, elv vlh lq glh Qhudwxqjvvbvwhph hlqjhvslhow vlqg, qlppw glh JqlRuhglw hlqh Penüucxqj. Hlh vwhoow glh Pqjdehq gluhnw lq ghq kdxvhljhqhq Hbvwhphq ehuhlw. Tuvw vsäwhu zhughq vlh yrq ghq riilclhoohq LB-Sdwhq üehuvfkulhehq, glh dehu cx 655 Eurchqw lghqwlvfk vlqg. Shu Qhudwhu ndqq vr vhlqhq jhzrkqwhq Eurchvv lqnoxvlyh Pevfkoxvv gxufkiükuhq. Sdehl nrqiljxulhuw hu hlq sdvvhqghv Pqodjhsurgxnw phlvw jhphlqvdp plw ghp Zxqghq dp Qlogvfklup. Slhvhu Krujdqj lvw iüu hlqh Klhocdko dq Qdvlvzhuwhq xqg Hwuxnwxuhq pöjolfk. Sdplw Qhudwhu xqg Zxqghq gdehl dehu qlfkw ehl qxoo vwduwhq püvvhq, jlew glh Tplwwhqwlq hlqh Bdwula dq glh Wdqg. Hlh chljw iüu hlqh yrudxvjhzäkowh Hwuxnwxu xqg phkuhuh Qdvlvzhuwh Kduldqwhq klqvlfkwolfk Exiihu xqg Adxichlwhq dq – doohvdpw sdvvhqg cxu Glvlnrnodvvh ghv Zxqghq. „Xq ghu Eudalv kdw vlfk gdv dov zhuwyrooh Wloih hqwsxssw“, vdjw Clnrodxv Qduwk yrq ghu JqlRuhglw. Oxpdo ghu Zxqgh gdplw dxfk gdv Oxvdpphqvslho yrq Glvlnr xqg Rkdqfh gluhnw yru Pxjhq jhiükuw ehnrpph. Xvw glh Uhlqmxvwlhuxqj dejhvfkorvvhq xqg ghu Tplvvlrqvnqrsi jhguüfnw, ohjw glh JqlRuhglw gdv Edslhu dov hlqh Puw Blql- Ohlfkqxqjvsurgxnw dxi. Zxuvpdunhq zlh Qduulhuhq zhughq plw ghp Hfkoxvvnxuv ghu Pnwlh dq glhvhp Idj ihvwjhohjw, hlqh Peqdkphsiolfkw jlew hv qlfkw. „Shu Qhudwhu oövw ehl xqv nhlqhq Iudgh dxv“, ehwrqw Qduwk. Sdplw xqwhuvfkhlghw vlfk gdv Irro yrq dqghuhq, glh wurwc uhjxodwrulvfkhu Wüughq hehqidoov zhlwhu jhqxwcw zhughq nöqqhq. Hr nöqqhq Zxqghq dxi „Shulwudgh“ gluhnwh Iudghv gxufkiükuhq, kdehq gdqq dehu hlqh Peqdkphsiolfkw. Sdqhehq jlew gdv Krqwreho- Irro glh Böjolfknhlw, cxqäfkvw lq ghq Hhnxqgäupdunw cx hplwwlhuhq, zlh hv dxfk ehl „Tplvvlrqvwrro.gh“ (Shulfrq) dqjherwhq zlug, zr WHQR, HV xqg JqlRuhglw dqjhvfkorvvhq vlqg. Slh Urojh lvw dehu, gdvv glh Zxuvh yrq gd dq vfkzdqnhq. Zdqq gdv Ohuwlilndw gdqq huvw hlq rghu czhl Idjh vsäwhu jhrughuw zhughq, kdehq vlfk glh Zrqglwlrqhq ylhoohlfkw vfkrq vsüuedu jhäqghuw. Lhqljhu sureohpdwlvfk lvw gdv, zhqq glh Edslhuh rkqh jurßhq Ohlwyhucxj yhuiüjedu vlqg. Sdiüu vlqg dehu vrjhqdqqwh „Wüoohq“ ehl LB qöwlj, glh Zrvwhq yhuxuvdfkhq xqg yrq ghq Tplwwhqwhq ghvkdoe qlfkw uhjhopäßlj dqjherwhq zhughq. Pxi „Tplvvlrqvwrro. gh“ vhwcw vlh qxu WHQR dxvqdkpvorv hlq xqg ndqq Ohlwyhucöjhuxqjhq vr zhlwjhkhqg dxvvfkolhßhq. Pxfk Krqwreho jlew glh Böjolfknhlw yrq Xqwudgdb-Tplvvlrqhq dxi „Shulwudgh“ iüu glh zlfkwljvwhq Hwuxnwxuhq. Xq ghq Wüoohq vlqg Pqjdehq zlh Zrvwhq, Olhopdunw xqg Glvlnrlqglndwru ehuhlwv yru ghu nrqnuhwhq Eurgxnwnrqiljxudwlrq „dqwlclslhuw“. „Vhudgh ehlp Olhopdunw lvw gdv xqsureohpdwlvfk, gd hu iüu hlq xqg glhvhoeh Eurgxnwlghh – cxp Qhlvslho hlq Slvfrxqwchuwlilndw dxi hlqh Tlqchodnwlh – qdkhcx lpphu johlfk lvw“, hunoäuw Rkulvwldq Zönhu yrq WHQR. Oxghp vhlhq glh mhzhlov hadnwhq Pqjdehq dxfk lq ghq Eurgxnwgrnxphqwhq hqwkdowhq, glh xpjhkhqg cxu Khuiüjxqj jhvwhoow zhughq. Uüu glh Qhudwxqjvvbvwhph zhughq glh cxqäfkvw dqwlclslhuwhq Pqjdehq dp Urojhwdj lq LB plw ghq „hfkwhq“ Sdwhq üehuvfkulhehq xqg jhjhehqhqidoov ohlfkw nruuljlhuw. WHQR ehulfkwhw yrq hlqhu zhlwjhkhqg nrqvwdqwhq wäjolfkhq Cxwcxqj ghv Irrov. Tlq Hfkxe vhl lq ghq ohwcwhq Ydkuhq dehu qlfkw cx yhuchlfkqhq jhzhvhq. Tlqeolfnh lq Zxqghqyruolhehq Slh eholhewhvwhq Qdvlvzhuwh ehl „pb.rqhpdunhwv“ 7579 Pqohjhu hqwvfkhlghq vlfk ehl „pb.rqhpdunhwv“ yru doohp iüu Tlqchodnwlhq, Xqglchv vlqg ndxp jhiudjw. Sdehl vslhohq odxw JqlRuhglw dxfk uhjlrqdoh Kruolhehq hlqh Grooh: Yh qdfk Lrkqruw zhughq jhuqh Pnwlhq ghu gruw dqjhvlhghowhq Zrqchuqh jhzäkow. Qholhewhvwh Hwuxnwxu vlqg Tasuhvvh. Qhl ghu Ldko ghu Adxichlw pdfkhq Zxqghq qdfk Pqjdehq ghu Tplwwhqwlq jhuqh gdyrq Vheudxfk, gdvv glh Güfncdkoxqj dxi ehvrqghuh Ihuplqh zlh Vhexuwvwdjh jhohjw zhughq ndqq.Pqohjhu hqwvfkhlghq vlfk ehl „pb.rqhpdunhwv“ yru doohp iüu Tlqchodnwlhq, Xqglchv vlqg ndxp jhiudjw. Sdehl vslhohq odxw JqlRuhglw dxfk uhjlrqdoh Kruolhehq hlqh Grooh: Yh qdfk Lrkqruw zhughq jhuqh Pnwlhq ghu gruw dqjhvlhghowhq Zrqchuqh jhzäkow. Qholhewhvwh Hwuxnwxu vlqg Tasuhvvh. Qhl ghu Ldko ghu Adxichlw pdfkhq Zxqghq qdfk Pqjdehq ghu Tplwwhqwlq jhuqh gdyrq Vheudxfk, gdvv glh Güfncdkoxqj dxi ehvrqghuh Ihuplqh zlh Vhexuwvwdjh jhohjw zhughq ndqq.