Jeder 25-Jährige, der reich werden will, sollte diese Grafik sehen

Vor gar nicht so langer Zeit mussten sich junge Menschen nicht allzu viele Gedanken über ihre Altersvorsorge machen. Sie konnten einfach zur Arbeit gehen, ein Teil ihres Gehaltes floss automatisch in die staatliche Altersvorsorge, ein weiterer Teil wurde im Rahmen der betrieblichen Altersvorsorge beiseite gelegt und das reichte für einen angenehmen Ruhestand.

Heute müssen junge Menschen da schon deutlich mehr tun, wenn sie ein angenehmes Leben führen und später nicht in die Altersarmut abrutschen wollen. Sparen ist angesagt — und zwar nicht nur, wenn es um die Altersvorsorge geht. Auch wenn man sich selbst zu einem anderen Zweck ein Vermögen aufbauen will, sollte man besser so früh wie möglich damit anfangen.

Denn letztendlich sorgt ein mathematisches Prinzip dafür, ob man reich wird oder nicht: der Zinseszins.

Wenn man für einen angelegten Geldbetrag Zinsen erhält, vergrößern diese den Betrag und generieren so bei der nächsten Ausschüttung entsprechend höhere Zinsen. Dieses Prinzip, das dafür sorgt, dass ein Vermögen ohne eigenes Zutun immer größer wird, nennt man Zinseszins. Der Zinseszins ist das wichtigste Konzept in der Finanzwirtschaft.

Die Experten vom Vermögensverwalter JP Morgan Asset Managementhaben eine eindrucksvolle Grafik gebastelt, die zeigt, wie wichtig der Zinseszins beim Aufbau eines Vermögens tatsächlich ist:

In ihrem Beispiel betrachten die Experten drei Menschen, deren Ersparnisse jährlich mit dem gleichen Zinssatz verzinst werden:

  • Susan, die 5.000 Dollar pro Jahr investiert, allerdings nur über zehn Jahre hinweg zwischen ihrem 25. und 35. Lebensjahr.
  • Bill, der auch 5.000 Dollar pro Jahr investiert, allerdings über einen Zeitraum von 30 Jahren hinweg, nämlich zwischen seinem 35. und seinem 65. Geburtstag.
  • Und Chris, der 40 Jahre lang — zwischen seinem 25. und 65. Lebensjahr — ebenfalls 5.000 Dollar pro Jahr investiert.

Da es sich bei JP Morgan Asset Management um einen amerikanischen Vermögensverwalter handelt, sind die investierten Beträge natürlich in Dollar angegeben. Die Rechnung ließe sich aber eins zu eins auch in Euro machen — dann würden eben 5.000 Euro pro Jahr zurückgelegt. Denn da es uns um die Entwicklung des jeweiligen Vermögens der drei Personen geht, ist die Währung eigentlich zweitrangig.

Logischerweise hat Chris am Ende des angegebenen Zeitraums am meisten Geld, da er früh begonnen und am längsten eingezahlt hat. Sein Vermögen mit 65 Jahren ist allerdings verglichen mit dem von Bill oder Susan geradezu schwindelerregend hoch, was wohl einige überraschen dürfte.

Aber noch viel interessanter ist die Tatsache, dass Susan am Ende reicher ist als Bill, obwohl sie nur zehn Jahre lang gespart hat und er 30 Jahre lang. Bill hat dabei sogar die deutlich höhere Summe eingezahlt.

Dass Susan trotzdem bei der Höhe des Vermögens vor ihm liegt, ist dem Zinseszins geschuldet.

Denn alle Zinsen, die Susan auch nach den zehn Jahren erhält, in denen sie etwas eingezahlt hat, führen dazu, dass ihr Vermögen lawinenartig anwächst — und zwar ganz gewaltig. Und das alles nur, weil sie schon mit 25 Jahren — und damit zehn Jahre früher als Bill — angefangen hat zu sparen. Diesen Vorsprung kann Bill nicht einmal mehr dadurch ausgleichen, dass er zwanzig Jahre länger gespart hat.

Wenn Susan jetzt auch noch so wie Chris gespart hätte…

Wenn ihr reich werden wollt, solltet ihr also so früh wie möglich mit dem Sparen anfangen. Denn wenn ihr noch länger wartet, verschenkt ihr jede Menge Geld, das sonst durch die Macht des Zinseszins auf eurem Konto hätte landen können.

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