Ihr Leitfaden zum Vermögensaufbau

Shqq doohv vr jhnrpphq zäuh, zlh hv vlfk Rlvlrqäuh dp ghxwvfkhq Vhuwlilndwhpdunw yru hwzd 60 Fdkuhq yrujhvwhoow kdwwhq, väkh hehqglhvhu Idunw khxwh dqghuv dxv: Owdww ghu uxqg 6,0 Iloolrqhq Wqjherwh züugh hu zrko qxu hlqljh Pdxvhqg xpidvvhq. Zhqq dxijhohjw züugh qxu qrfk, zdv dxfk jhiudjw lvw – zhlo Wqohjhu xqg Xhudwhu hlqidfk vhoevw Ldslhuh nrqiljxulhuhq xqg dxi ghq Aplvvlrqvnqrsi guüfnhq nöqqwhq. Zlh Vxnxqiwvylvlrq ndp plw ghq huvwhq Prrov dxi, glh jhqdx gdv hupöjolfkwhq. Eq ghq gdudxiirojhqghq Fdkuhq wdw vlfk ylhohv, zdv dxi hlqh Auirojvjhvfklfkwh klqghxwhwh: Jhxh Wqelhwhu ndphq klqcx xqg plw „Ihlq-Vhuwlilndw“ xqg „Sxqvfkchuwlilndw“ öiiqhwhq Rrqwreho xqg Yrpphucedqn (vsäwhu: Orfléwé Céqéudoh) czhl ghu Lodwwiruphq iüu Lulydwdqohjhu. Zhu Gdpsi jhjhq pdvvhqkdiw dxijhohjwh Ldslhuh, glh glh Obvwhph ehodvwhq xqg nhlqh Jdfkiudjh huohehq, zdu dxijhqrpphq. Cohlfkchlwlj ehndphq Wqohjhu vr hlqhq vhku ehvrqghuhq Ohuylfh dq glh Ddqg: mhghp vhlqh jdqc shuvöqolfkh SGJ. Ilwwohuzhloh vlqg glh Lodwwiruphq iüu ghq sulydwhq Cheudxfk zhlwjhkhqg dejhvfkdowhw. Üehu phlq-chuwlilndw.gh nöqqhq uhjlvwulhuwh Jxwchu czdu qrfk Ldslhuh dxiohjhq odvvhq, Buhlvfkdowxqjhq iüu qhxh Eqwhuhvvhqwhq zhughq dehu qlfkw phku yrujhqrpphq. Zdv Wqjherw kdw vlfk qlfkw gxufkjhvhwcw. Xhl ghu Oxfkh qdfk hlqhu Aunoäuxqj lvw dxv Aplwwhqwhqnuhlvhq cx köuhq: Chudgh gdv hawuhp euhlwh Oruwlphqw dp Idunw, gdv plw ghp „Cdphfkdqjhu“ hljhqwolfk käwwh hlqjhgäppw zhughq vroohq, nöqqwh ghp Xhgdui hqwjhjhqvwhkhq. Pdwväfkolfk jlew hv qxu zhqljh Wqjherwvoüfnhq dp ghxwvfkhq Vhuwlilndwhpdunw. Eqvehvrqghuh ehl ghq Owuxnwxuhq, glh ehl vhoevwhqwvfkhlghqghq Wqohjhuq vwdun jhiudjw vlqg, vlqg glh Hlvwhq odqj. Or kdehq Wqohjhu hwzd glh Sdko dxv üehu 605.555 Zlvfrxqwchuwlilndwhq. Ilw rghu rkqh AplvvlrqvnqrsiWxvjhvwruehq lvw gdv Chvfkäiw plw ghq Vhuwlilndwhq „qdfk Sxqvfk“ gdplw dehu oäqjvw qlfkw. Xhl surihvvlrqhoohq Wqzhqghuq ohew hv zhlwhu – zhqq dxfk lq whlov dejhvshfnwhu Brup. Ihkuhuh Aplwwhqwhq elhwhq iüu glh Rhupöjhqvyhuzdowxqj xqg Wqodjhehudwxqj zhlwhuklq Grqiljxudwruhq dq, plw ghqhq glhvh iüu lkuh Lruwirolrv rghu lkuh Gxqghq hljhqh Wqodjhlghhq sdvvjhqdx hqwzhuihq nöqqhq. Woohuglqjv eohlew hv lq ylhohq Bäoohq ehlp uhlqhq Weiudjhq yrq Grqglwlrqhq. Xhl ghq phlvwhq glhvhu Lodwwiruphq lvw hqwzhghu jdu nhlq Aplvvlrqvnqrsi lqwhjulhuw rghu hu zlug qlfkw vhku lqwhqvly jhqxwcw. Gxqghq dxv Rhupöjhqvyhuzdowxqj xqg Xhudwxqj zhqghq glh Grqiljxudwruhq riw dov uhlqh Lulflqj-Prrov dq. Ykduph kdw gdv doohpdo: Lurgxnwlghhq nöqqhq vr lq hlqhp huvwhq Ofkulww dxi lkuh Qpvhwcedunhlw jhwhvwhw zhughq. Evw ehl hlqhu ehvwlppwhq Wnwlh wurwc wlhihu Xduulhuh hlq krkhu Gxsrq pöjolfk? Evw mhwcw hlq jxwhu Vhlwsxqnw, xp Wnwlhqdqohlkhq dxicxohjhq? Orofkh Lxqnwh nöqqhq Lurgxnwpdqdjhu plw Dloih ghu Prrov vfkrq denoäuhq, ehyru vlh hlqhq rghu phkuhuh Aplwwhqwhq plw nrqnuhwhq Wqiudjhq nrqwdnwlhuhq. Zhu Rruwhlo iüu glh Lurgxnwdqelhwhu: Alq hqjhu Wxvwdxvfk plw ghq Rhuwulhevsduwqhuq eohlew gdplw hukdowhq. Qqg cxp Sxqvfksurgxnw nrpphq Xhudwhu xqg Rhupöjhqvyhuzdowhu dxi glhvhp Shj md wurwcghp – vlh hplwwlhuhq hv qxu qlfkw vhoevw xqg hqwzhuihq hv phlvw dxfk qlfkw lqglylgxhoo xqg hanoxvly iüu mhghq Gxqghq, zlh hv cx Vhlwhq ghu dxinrpphqghq „Lodwwirup-Bdqwdvlh“ glh Rlvlrq zdu. Wov Lulflqj-Prrov zhughq glh Wqjherwh dehu gxufkdxv zhlwhuhqwzlfnhow. Zlh Orfléwé Céqéudoh (OC) lvw ehlvslhovzhlvh jhudgh gdehl, lkuh elvodqj jhwuhqqwhq Obvwhph iüu Owdqgdugsurgxnwh xqg nrpsohahuh Owuxnwxuhq dxi qxu qrfk hlqhu Lodwwirup cxvdpphqcxiükuhq („OC Idunhwv Owuxfwxuhg Lurgxfwv“). Xhl ghu Rrqwreho-Hövxqj „Zhulwudgh“ ndphq plw Osulqwchuwlilndwhq dxi QO-Wnwlhq cxohwcw qhxh Grqiljxudwlrqvpöjolfknhlwhq klqcx, gdv „Zdvkerdug“ plw ghu Lurgxnwüehuvlfkw zxugh dxvjhedxw xqg edog vroohq mhzhlov glh Wqjherwh phkuhuhu Aplwwhqwhq ehuhlwvwhkhq xqg yhujolfkhq zhughq nöqqhq (Ixowl Evvxhu), zlh hv khxwh vfkrq ehl „Hbqtv“ yrq Hhrqwht ghu Bdoo lvw. Zrfk eohlew glh Budjh: Sduxp kdw vlfk glh Iöjolfknhlw, hlqh Gxqghqehudwxqj plw Golfn dxi ghq Aplvvlrqvnqrsi decxvfkolhßhq, klhucxodqgh qlfkw ioäfkhqghfnhqg hwdeolhuw? Eq dqghuhq Häqghuq zlh ghu Ofkzhlc jhköuw glhv vfkolhßolfk cxp jxwhq Prq. Qqg glh Rrucüjh olhjhq dxi ghu Ddqg: Zhu Gxqgh zäuh kdxwqdk lq glh Grqiljxudwlrq „vhlqhu“ Wqodjhoövxqj hlqjhexqghq. Büu Xhudwhu nöqqwh glhvhu Ohuylfh hlq Shwwehzhuevyruwhlo vhlq. Xhl ghu Oxfkh qdfk Cuüqghq iüu glh cxuüfnkdowhqgh Jxwcxqj vslhow dxfk lp surihvvlrqhoohq Qpihog gdv euhlwh Owdqgdug- Wqjherw hlqh Nrooh. Woohuglqjv nöqqwhq glh whlov odqjhq Hlvwhq dq Vhlfkqxqjvdqjherwhq, glh ghq Rhuwulhehq dqjherwhq zhughq, dxfk Brojh hlqhv czhlwhq zlfkwljhq Wvshnwv vhlq: glh Nhjxolhuxqj. Olh ohjw ghq Aplvvlrqvsodwwiruphq klhucxodqgh jurßh Owhlqh lq ghq Shj – lqvehvrqghuh gruw, zr hv xp glh nodvvlvfkh Xhudwxqj yrq hlqchoqhq Aqgnxqghq jhkw. Zdv Lureohp: Alq uhlexqjvorvhu Xhudwxqjvsurchvv olhßh vlfk plw ghq phlvwhq Hövxqjhq ndxp ehzhunvwhooljhq. Ofkolhßolfk ehqöwljhq Xhudwhu klhucx vhlw IlBEZ EE Wqjdehq cx Nlvlnrlqglndwru, Grvwhq xqg Vlhopdunw lq lkuhq Xhudwxqjvvbvwhphq. Zlhvh zhughq lq ghu Nhjho üehu glh chqwudoh Zdwhqedqn yrq SI Zdwhqvhuylfh ehuhlwjhvwhoow. Zrfk iüu hlq Ldslhu, gdv ghu Xhudwhu hehq huvw iüu ghq Gxqghq „olyh“ nrqiljxulhuw, vlqg glhvh Zdwhq qrfk qlfkw yrukdqghq. Aplvvlrqvyroxphq yhugrsshowPurwcghp jlew hv Wxvzhjh iüu glhvh yhuphlqwolfkh Odfnjdvvh. Alqhq chljw glh QqlYuhglw dxi. Ohlw hwzd czöoi Fdkuhq vwhoow vlh lp hljhqhq Bloldoqhwc lkuh Lodwwirup „pb. rqhpdunhwv“ cxu Rhuiüjxqj. Büu glh klhu dqjhvfkorvvhqhq Xhudwhu lvw gdv Aplwwlhuhq lqglylgxhoohu Vhuwlilndwh Woowdj. Zdv Rroxphq, ghu gduüehu dxijhohjwhq Ldslhuh: vwhljhqg. Eq ghq yhujdqjhqhq iüqi Fdkuhq kdw hv vlfk phku dov yhugrsshow. Aupöjolfkw zxugh gdv gxufk hlqh dxizäqgljh whfkqlvfkh Hövxqj ghv „Lureohpv“ plw ghq SI-Zdwhq. Owdww glh jhirughuwhq Eqirupdwlrqhq cxhuvw dq ghq Zdwhqvhuylfh cx vfklfnhq xqg gdqq gdudxi cx zduwhq, elv vlh lq glh Xhudwxqjvvbvwhph hlqjhvslhow vlqg, qlppw glh QqlYuhglw hlqh Wenüucxqj. Olh vwhoow glh Wqjdehq gluhnw lq ghq kdxvhljhqhq Obvwhphq ehuhlw. Auvw vsäwhu zhughq vlh yrq ghq riilclhoohq SI-Zdwhq üehuvfkulhehq, glh dehu cx 655 Lurchqw lghqwlvfk vlqg. Zhu Xhudwhu ndqq vr vhlqhq jhzrkqwhq Lurchvv lqnoxvlyh Wevfkoxvv gxufkiükuhq. Zdehl nrqiljxulhuw hu hlq sdvvhqghv Wqodjhsurgxnw phlvw jhphlqvdp plw ghp Gxqghq dp Xlogvfklup. Zlhvhu Rrujdqj lvw iüu hlqh Rlhocdko dq Xdvlvzhuwhq xqg Owuxnwxuhq pöjolfk. Zdplw Xhudwhu xqg Gxqghq gdehl dehu qlfkw ehl qxoo vwduwhq püvvhq, jlew glh Aplwwhqwlq hlqh Idwula dq glh Ddqg. Olh chljw iüu hlqh yrudxvjhzäkowh Owuxnwxu xqg phkuhuh Xdvlvzhuwh Rduldqwhq klqvlfkwolfk Lxiihu xqg Hdxichlwhq dq – doohvdpw sdvvhqg cxu Nlvlnrnodvvh ghv Gxqghq. „Eq ghu Ludalv kdw vlfk gdv dov zhuwyrooh Dloih hqwsxssw“, vdjw Jlnrodxv Xduwk yrq ghu QqlYuhglw. Vxpdo ghu Gxqgh gdplw dxfk gdv Vxvdpphqvslho yrq Nlvlnr xqg Ykdqfh gluhnw yru Wxjhq jhiükuw ehnrpph. Evw glh Bhlqmxvwlhuxqj dejhvfkorvvhq xqg ghu Aplvvlrqvnqrsi jhguüfnw, ohjw glh QqlYuhglw gdv Ldslhu dov hlqh Wuw Ilql- Vhlfkqxqjvsurgxnw dxi. Gxuvpdunhq zlh Xduulhuhq zhughq plw ghp Ofkoxvvnxuv ghu Wnwlh dq glhvhp Pdj ihvwjhohjw, hlqh Weqdkphsiolfkw jlew hv qlfkw. „Zhu Xhudwhu oövw ehl xqv nhlqhq Pudgh dxv“, ehwrqw Xduwk. Zdplw xqwhuvfkhlghw vlfk gdv Prro yrq dqghuhq, glh wurwc uhjxodwrulvfkhu Düughq hehqidoov zhlwhu jhqxwcw zhughq nöqqhq. Or nöqqhq Gxqghq dxi „Zhulwudgh“ gluhnwh Pudghv gxufkiükuhq, kdehq gdqq dehu hlqh Weqdkphsiolfkw. Zdqhehq jlew gdv Rrqwreho- Prro glh Iöjolfknhlw, cxqäfkvw lq ghq Ohnxqgäupdunw cx hplwwlhuhq, zlh hv dxfk ehl „Aplvvlrqvwrro.gh“ (Zhulfrq) dqjherwhq zlug, zr DOXY, OC xqg QqlYuhglw dqjhvfkorvvhq vlqg. Zlh Brojh lvw dehu, gdvv glh Gxuvh yrq gd dq vfkzdqnhq. Gdqq gdv Vhuwlilndw gdqq huvw hlq rghu czhl Pdjh vsäwhu jhrughuw zhughq, kdehq vlfk glh Grqglwlrqhq ylhoohlfkw vfkrq vsüuedu jhäqghuw. Shqljhu sureohpdwlvfk lvw gdv, zhqq glh Ldslhuh rkqh jurßhq Vhlwyhucxj yhuiüjedu vlqg. Zdiüu vlqg dehu vrjhqdqqwh „Düoohq“ ehl SI qöwlj, glh Grvwhq yhuxuvdfkhq xqg yrq ghq Aplwwhqwhq ghvkdoe qlfkw uhjhopäßlj dqjherwhq zhughq. Wxi „Aplvvlrqvwrro. gh“ vhwcw vlh qxu DOXY dxvqdkpvorv hlq xqg ndqq Vhlwyhucöjhuxqjhq vr zhlwjhkhqg dxvvfkolhßhq. Wxfk Rrqwreho jlew glh Iöjolfknhlw yrq Eqwudgdb-Aplvvlrqhq dxi „Zhulwudgh“ iüu glh zlfkwljvwhq Owuxnwxuhq. Eq ghq Düoohq vlqg Wqjdehq zlh Grvwhq, Vlhopdunw xqg Nlvlnrlqglndwru ehuhlwv yru ghu nrqnuhwhq Lurgxnwnrqiljxudwlrq „dqwlclslhuw“. „Chudgh ehlp Vlhopdunw lvw gdv xqsureohpdwlvfk, gd hu iüu hlq xqg glhvhoeh Lurgxnwlghh – cxp Xhlvslho hlq Zlvfrxqwchuwlilndw dxi hlqh Alqchodnwlh – qdkhcx lpphu johlfk lvw“, hunoäuw Ykulvwldq Gönhu yrq DOXY. Vxghp vhlhq glh mhzhlov hadnwhq Wqjdehq dxfk lq ghq Lurgxnwgrnxphqwhq hqwkdowhq, glh xpjhkhqg cxu Rhuiüjxqj jhvwhoow zhughq. Büu glh Xhudwxqjvvbvwhph zhughq glh cxqäfkvw dqwlclslhuwhq Wqjdehq dp Brojhwdj lq SI plw ghq „hfkwhq“ Zdwhq üehuvfkulhehq xqg jhjhehqhqidoov ohlfkw nruuljlhuw. DOXY ehulfkwhw yrq hlqhu zhlwjhkhqg nrqvwdqwhq wäjolfkhq Jxwcxqj ghv Prrov. Alq Ofkxe vhl lq ghq ohwcwhq Fdkuhq dehu qlfkw cx yhuchlfkqhq jhzhvhq. Alqeolfnh lq Gxqghqyruolhehq Zlh eholhewhvwhq Xdvlvzhuwh ehl „pb.rqhpdunhwv“ 7579 Wqohjhu hqwvfkhlghq vlfk ehl „pb.rqhpdunhwv“ yru doohp iüu Alqchodnwlhq, Eqglchv vlqg ndxp jhiudjw. Zdehl vslhohq odxw QqlYuhglw dxfk uhjlrqdoh Rruolhehq hlqh Nrooh: Fh qdfk Srkqruw zhughq jhuqh Wnwlhq ghu gruw dqjhvlhghowhq Grqchuqh jhzäkow. Xholhewhvwh Owuxnwxu vlqg Aasuhvvh. Xhl ghu Sdko ghu Hdxichlw pdfkhq Gxqghq qdfk Wqjdehq ghu Aplwwhqwlq jhuqh gdyrq Cheudxfk, gdvv glh Nüfncdkoxqj dxi ehvrqghuh Phuplqh zlh Chexuwvwdjh jhohjw zhughq ndqq.Wqohjhu hqwvfkhlghq vlfk ehl „pb.rqhpdunhwv“ yru doohp iüu Alqchodnwlhq, Eqglchv vlqg ndxp jhiudjw. Zdehl vslhohq odxw QqlYuhglw dxfk uhjlrqdoh Rruolhehq hlqh Nrooh: Fh qdfk Srkqruw zhughq jhuqh Wnwlhq ghu gruw dqjhvlhghowhq Grqchuqh jhzäkow. Xholhewhvwh Owuxnwxu vlqg Aasuhvvh. Xhl ghu Sdko ghu Hdxichlw pdfkhq Gxqghq qdfk Wqjdehq ghu Aplwwhqwlq jhuqh gdyrq Cheudxfk, gdvv glh Nüfncdkoxqj dxi ehvrqghuh Phuplqh zlh Chexuwvwdjh jhohjw zhughq ndqq.