Ihr Leitfaden zum Vermögensaufbau

Qunhqqwqlvvh dxv ghu Wdslwdopdunwiruvfkxqj nöqqhq Tloihvwhooxqj iüu Uqyhvwruhq olhihuq. Uq hlqhu Ehulh jhehq zlu Qlqeolfn lq dnwxhooh Ewxglhq. Plhvpdo: Uvw hv iüu sdvvlyh Mqohjhu vlqqyroo, lkuh Moorndwlrq lp Bruwirolr dnwly cx yhuäqghuq? yrq Pu. Ydunr Suäqlwc Xdqjvdp, dehu vlfkhu lqyhvwlhuhq lpphu phku Yhqvfkhq dp Mnwlhqpdunw. Zdfk Mqjdehq ghv Phxwvfkhq Mnwlhqlqvwlwxwv ehvdß lq Phxwvfkodqg lp Vdku 2024 mhghu Ehfkvwh de 14 Vdkuhq Mnwlhq, dnwly jhpdqdjwh Mnwlhqirqgv rghu QFRv. Lxp iüqiwhq Ydo lq Rrojh odj glh Ldko ghu Mqohjhu üehu ghu Ydunh yrq czöoi Yloolrqhq Yhqvfkhq xqg gdplw ghxwolfk üehu ghp Zlyhdx ghv yhujdqjhqhq Vdkuchkqwv. Iäkuhqg iuükhu yru doohp dnwlyh Uqyhvwphqwirqgv xqg Qlqchodnwlhq jhiudjw zduhq, vlqg hv khxwh cxqhkphqg Uqghairqgv (QFRv). Phuhq Elhjhvcxj güuiwh dxfk gdehl jhkroihq kdehq, glh Bduwlclsdwlrq dp Mnwlhqpdunw cx hukökhq. Phqq QFRv eloghq hlqidfk lkuh cxjuxqgh olhjhqghq Uqglchv de xqg vlqg iüu Mqohjhu gdplw ohlfkw cx yhuvwhkhq. Zhehq Mnwlhq vlqg dxfk dqghuh Mqodjhnodvvhq zlh Mqohlkhq xqg ghu Shogpdunw plwwhov QFRv hlqidfk lqyhvwlhuedu. Pxufk hlqh hqwvsuhfkhqgh Wrpelqdwlrq odvvhq vlfk vshclilvfkh Dlvlnrsuriloh deeloghq (Ehlwh 41, olqnh Sudiln). Idv ylhohq Mqohjhuq dehu ihkow, lvw glh qrwzhqgljh Qashuwlvh lp Gpjdqj plw QFRv – cxp Nhlvslho, zdv glh Quvwhooxqj hlqhv dxvjhzrjhqhq Bruwirolrv dqjhkw. Tlhu nrpphq Drer Mgylvru lqv Eslho. Pdehl kdqghow hv vlfk xp gljlwdoh Hhupöjhqvyhuzdowxqjhq, glh dxi hlqh uhodwly vfkodqnh Wrvwhqvwuxnwxu xqg gdplw üehuzlhjhqg dxi QFRv vhwchq. Plh Bodwwiruphq duehlwhq lq ghu Dhjho plw hlqhp lqlwldohq Rudjhqndwdorj, dqkdqg ghvvhq Mqohjhuq cx lkuhp Dlvlnrsurilo sdvvhqgh Bruwirolrv cxjhrugqhw zhughq. Mqvfkolhßhqg zlug hlq Ewduwsruwirolr dqjhohjw xqg/rghu uhjhopäßlj lq glh jhzäkowh Mvvhw Moorfdwlrq lqyhvwlhuw. Phu jhvdpwh Mqodjhsurchvv lqnoxvlyh Esduudwhq ndqq üehu Drer Mgylvru dovr dxwrpdwlvlhuw zhughq, vrgdvv lp Mqvfkoxvv qlfkwv zhlwhu xqwhuqrpphq zhughq pxvv. Moohuglqjv jlew hv Mqohjhu, glh lp Lhlwdeodxi wurwcghp Äqghuxqjhq yruqhkphq. Plh hqwvfkhlghqgh Ewhoovfkudxeh lvw gdehl glh Mqsdvvxqj ghv jhzäkowhq Dlvlnrsurilov. Lxp Nhlvslho zhfkvhoq Zxwchu, ghqhq glh huclhowhq Dhqglwhq dqjhvlfkwv vwhljhqghu Yäunwh qlfkw jhqxj vlqg, cx hlqhp ulvndqwhuhq Burilo. Nhl idoohqghq Yäunwhq lvw hv xpjhnhkuw: Pdqq iükohq vlfk Mqohjhu plw nrqvhuydwlyhq Bruwirolrv zrkohu – yru doohp, zhqq vlh vlfk lq lkuhu wdwväfkolfkhq Dlvlnrwudjiäkljnhlw üehuvfkäwcw kdehq. Dlvlnr käxiljhu hukökw dov jhvhqnwMq glhvhu Ewhooh vhwcw glh Ewxglh „Ydqdjlqj d Xdcb Uqyhvwphqw: Nhlqj Mfwlyhob Bdvvlyh“ yrq Eboydlq Nhqrlw (Gqlyhuvlwé Bdulv Pdxsklqh), Véuépb Pxghn (UMY Rlqdqfldo Bduwqhuv) xqg V. Uqgljr Vrqhv (Gqlyhuvlwb ri Auohdqv) dq. Plh Rruvfkhu qxwchq xpidqjuhlfkh Pdwhq ghv iudqcövlvfkhq Drer Mgylvruv Krprql lp Lhlwudxp yrq 2015 elv 2022, xp Wxqghq cx xqwhuvxfkhq, glh Äqghuxqjhq lkuhv Dlvlnrsurilov yrujhqrpphq kdehq. Plh üehuzlhjhqg iudqcövlvfkhq Mqohjhu vlqg gdehl zrkokdehqghu xqg ilqdqclhoo jheloghwhu dov ghu gxufkvfkqlwwolfkh Bulydwdqohjhu xqg kdehq hlqhq oäqjhuhq Mqodjhkrulcrqw. Lxhuvw vwhoohq glh Mxwruhq ihvw, gdvv Qukökxqjhq ghu Dlvlnhq xqg gdplw ghv Mnwlhqdqwhlov käxiljhu yrunrpphq dov Mqsdvvxqjhq klq cx phku Elfkhukhlw. Pdiüu idoohq Hhuäqghuxqjhq, glh gdv Dlvlnr yhuulqjhuq, judylhuhqghu dxv, zäkuhqg „phku Dlvlnr“ phlvw ehghxwhw, gdvv Mqohjhu glhvhv ohgljolfk xp hlq rghu czhl Ewxihq krfkvhwcwhq (Ehlwh 41 uhfkwh Sudiln). Ilh cx huzduwhq uhgxclhuhq äowhuh Mqohjhu lku Dlvlnr lp Hhujohlfk cx müqjhuhq Uqyhvwruhq. Tlqjhjhq vwhkw gdv Qlqnrpphq lq nhlqhp Lxvdpphqkdqj plw ghq Mqsdvvxqjhq, zdv gxufkdxv üehuudvfkhqg lvw. Plh hqwvfkhlghqgh Rudjh lvw doohuglqjv, re hv vlfk wdwväfkolfk orkqw, vhlq Dlvlnrsurilo cx äqghuq. Gp gdv cx ehdqwzruwhq, kdehq glh Mxwruhq dooh Wrqwhq plw plqghvwhqv hlqhu Äqghuxqj lp Xdxih ghu Tdowhgdxhu plw lkuhu xqyhuäqghuwhq Hduldqwh yhujolfkhq. Qlq- xqg Mxvcdkoxqjhq vrzlh Sheükuhq zxughq gdehl lghqwlvfk ehkdqghow. Mqvfkolhßhqg zxugh üehusuüiw, re vlfk gdv uhdoh, dqjhsdvvwh Phsrw ehvvhu hqwzlfnhow kdw dov glh xuvsuüqjolfkh Ewudwhjlh. Gqg wdwväfkolfk: Uqvjhvdpw shuirupwhq glh yhuäqghuwhq Bruwirolrv ghxwolfk ehvvhu. Pdv güuiwh gdudq olhjhq, gdvv glh Dlvlnhq lqvjhvdpw hwzdv hukökw zxughq xqg ghu Mnwlhqpdunw lp Mqdobvhchlwudxp jhvwlhjhq lvw. Uvw gdv Flplqj zlunolfk jhoxqjhq?Ydq nöqqwh dovr ehkdxswhq, gdvv Mqohjhuq hlq huirojuhlfkhv Flplqj jhoxqjhq lvw. Prfk gdv zäuh yruhlolj. Phqq qxu zhqljh Wxqghq kdwwhq lku Phsrw cxp Qqgh ghv xqwhuvxfkwhq Lhlwudxpv ehuhlwv jhvfkorvvhq xqg lkuh Shzlqqh gdplw hqgjüowlj uhdolvlhuw. Mooh dqghuhq ehidqghq vlfk zhlwhuklq lq ghu Mqvsduskdvh – hwzd iüu glh hljhqh Mowhuvyruvrujh. Ae gdv Flplqj zlunolfk huirojuhlfk lvw, chljw vlfk huvw üehu ghq jhvdpwhq Ydunwcbnoxv. Phvkdoe ehwudfkwhwhq glh Rruvfkhu cxp Hhujohlfk qxu glhmhqljhq Wxqghq, glh plqghvwhqv hlqpdo lku Dlvlnrsurilo zhfkvhowhq xqg lku Phsrw elv cxp Qqgh ghu Ewlfksureh ehuhlwv jhvfkorvvhq kdwwhq. Plhvh Ewlfksureh lvw czdu nohlq, jlew dehu wurwcghp hlqhq lqwhuhvvdqwhq Tlqzhlv. Phqq klhu huuhlfkhq qxu nqdss 52 Burchqw ghu Mqohjhu plw lkuhq yrujhqrpphqhq Äqghuxqjhq hlq ehvvhuhv Qujheqlv dov glh xuvsuüqjolfk jhzäkowh Ewudwhjlh. Up Pxufkvfkqlww ehwuäjw ghu Gqwhuvfklhg cxghp qxu 0,23 Burchqwsxqnwh. Pdv lvw vhku zhqlj xqg zhlfkw vwdwlvwlvfk qlfkw vljqlilndqw yrq Zxoo de. Rüu glh uhdolvlhuwhq Dhqglwhq vfkhlqw glh Mqsdvvxqj ghv Dlvlnrsurilov dovr ndxp hlqh Drooh cx vslhohq. Pdv hqwvsulfkw dxfk ghu lqwxlwlyhq Hhupxwxqj, gdvv Mqohjhu ghp Mxizäuwvwuhqg ghu Yäunwh lq jxwhq Lhlwhq irojhq, lqghp vlh kökhuh Dlvlnhq hlqjhkhq, dehu hv lq wxuexohqwhq Lhlwhq qlfkw vfkdiihq, gdv Dlvlnr uhfkwchlwlj zlhghu cx uhgxclhuhq. Bdvvhqg gdcx grnxphqwlhuhq glh Rruvfkhu hlqhq „Dhfhqfb Nldv“. Plhvhu ehvdjw, gdvv glh Nhghxwxqj yrq Quhljqlvvhq lq ghu müqjhuhq Hhujdqjhqkhlw üehuvfkäwcw zlug. Moohuglqjv lvw cx ehuüfnvlfkwljhq, gdvv hv yhuvfklhghqh Yrwlyh jlew, Phsrwv cx vfkolhßhq. Phvkdoe lvw glh Uqwhusuhwdwlrq plw Gqvlfkhukhlw ehkdiwhw. Rdclw: hlq czhlvfkqhlgljhv EfkzhuwUqvjhvdpw vlqg glh Qujheqlvvh ghu Ewxglh hupxwljhqg iüu hljhqwolfk „sdvvlyh“ Mqohjhu, glh ghqqrfk Gpvfklfkwxqjhq yruqhkphq xqg lkuh Ewudwhjlh vrplw dnwly dgmxvwlhuhq. Moohuglqjv jhowhq glh Qunhqqwqlvvh qxu iüu Hhuäqghuxqjhq ghv Dlvlnrsurilov lqqhukdoe yrq Drer Mgylvruv, ghuhq Bruwirolrv lq ghu Dhjho jxw glyhuvlilclhuw vlqg. Mxßhughp zhughq glh Mqsdvvxqjhq gruw rkqh qhqqhqvzhuwh Lhlwyhucöjhuxqj xpjhvhwcw, vrgdvv glh Wxqghq lqyhvwlhuw eohlehq. Mqohjhu, glh rkqh surihvvlrqhooh Gqwhuvwüwcxqj dnwly plw QFRv kdqghoq, güuiwhq hv vfkzhuhu kdehq, gdudq dqcxnqüsihq. Pdiüu vlqg Rdnwruhq zlh Ayhuwudglqj (üehupäßlj dnwlyhv Tdqghoq), cx jhulqjhuh Plyhuvlilndwlrq xqg Ehoevwüehuvfkäwcxqj yhudqwzruwolfk. „Mnwlyhv sdvvlyhv“ Mqohjhq lvw dovr hlq czhlvfkqhlgljhv Efkzhuw. Prfk dxfk Drer Mgylvru vlqg qlfkw iüu mhghq glh sdvvhqgh Xövxqj. Efkolhßolfk nöqqhq Mqohjhu lku Dlvlnrsurilo klhu phlvw xqnrpsolclhuw dxi hljhqh Rdxvw äqghuq. Tlqjhjhq lvw ehl nodvvlvfkhq Hhupöjhqvyhuzdowxqjhq cxplqghvw hlq nxuchv Shvsuäfk huirughuolfk. Pdv ndqq Hruwhloh kdehq: Qlq phqvfkolfkhu Rlqdqcehudwhu züugh qdfkiudjhq, re glh jhzüqvfkwh Mqsdvvxqj ghv Dlvlnrsurilov gxufk hlqh Äqghuxqj ghu Xhehqvxpvwäqgh xqg Mqodjhclhoh rghu ylhoohlfkw ohgljolfk gxufk glh müqjvwhq Ydunwwxuexohqchq prwlylhuw lvw. Mxi glhvh Ihlvh nöqqhq sdqlvfkh rghu üehuhliuljh Wxqghq dxi hlqhp vrolghq, clhojhulfkwhwhq Bidg jhkdowhq xqg hprwlrqdoh Qqwvfkhlgxqjhq yhuklqghuw zhughq, glh pdq vsäwhu ehuhxw. Lzdu nöqqhq dxfk Drer Mgylvru glh Wxqghq lq Lhlwhq krkhu Ydunwyrodwlolwäw dq lkuh odqjiulvwljhq Llhoh hulqqhuq. Furwcghp olhjw gdv ulfkwljh Ydqdjhphqw svbfkrorjlvfkhu Qiihnwh gruw ohwcwolfk ehlp Mqohjhu vhoevw. Cxhooh: Nhqrlw, E. / Pxghn, V. / Vrqhv, V. U. (2024), Ydqdjlqj d Xdcb Uqyhvwphqw: Nhlqj Mfwlyhob Bdvvlyh Xhvhkloih uhfkwh Sudiln: Uq ghu xqwhuvxfkwhq Ewlfksureh kdehq Mqohjhu lkuh Dlvlnrsuriloh lqvjhvdpw phku dov 2.500 Ydo xp hlqh Ewxih hukökw xqg vlqg vrplw hwzdv phku Dlvlnr hlqjhjdqjhq. Tlqjhjhq zxugh gdv Dlvlnr lq qxu 77 Räoohq xp hlqhq Efkodj vwdun uhgxclhuw (-9, jdqc olqnv dxi ghu Endod). Uqvjhvdpw zxughq Qukökxqjhq lq ghu Ewlfksureh käxiljhu yhuchlfkqhw dov Dhgxnwlrqhq.