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[]
["Sparen - aber Zielgerecht!"]
["Geldanlage für Sie oder Ihr Kind! Führerschein, erstes Auto, Ausbildung, Studium oder Weltreise… je älter man wird, desto größer werden auch die Wünsche. Wer frühzeitig mit dem Sparen beginnt, kann auch schon mit kleineren Sparbeträgen große Ziele erreichen!"]
[]
["Ziel",null,"Studium"]
["Benötigtes Kapital",null,50000]
["Spardauer",null,15]
[]
["Beitrag",null,null,{"$f":"Eingabe!B5","v":183.89796670335059}]
["Einmalanlage zu Beginn",null,null,0]
[]
["Rendite nach Kosten",null,null,0.05]
["(Abzug bei Fondspolice z. B. 1% p.a.)"]
[]
[{"$f":"\"Um eine sinnvolle Renditevorgabe zu ermöglichen, wurden für die gewünschte Laufzeit von \"&C7&\" Jahren, sämtliche mögliche Verläufe eines monatlichen DAX® - Sparplans (30.10.1959 bis 30.12.2019) mit 5jähriger Ablaufphase (langsame Umschichtung in eine sichere Anlage mit 1% Zins p.a.) ausgewertet.\"","v":"Um eine sinnvolle Renditevorgabe zu ermöglichen, wurden für die gewünschte Laufzeit von 15 Jahren, sämtliche mögliche Verläufe eines monatlichen DAX® - Sparplans (30.10.1959 bis 30.12.2019) mit 5jähriger Ablaufphase (langsame Umschichtung in eine sichere Anlage mit 1% Zins p.a.) ausgewertet."}]
[{"$f":"\"Ergebnisse der Berechnung von \"&VLOOKUP(C7,Hilfe!A1:E59,5,FALSE)&\" möglichen Sparplan-Verläufen: \"","v":"Ergebnisse der Berechnung von 542 möglichen Sparplan-Verläufen: "}]
[null,"Schlechtester Verlauf:",null,{"$f":"VLOOKUP(C7,Hilfe!A3:E59,2,FALSE)","v":9.0283536608991525E-3}]
[null,"Mittelwert aller Verläufe:",null,{"$f":"VLOOKUP(C7,Hilfe!A1:E59,3,FALSE)","v":5.8435740689488341E-2}]
[null,"Bester Verlauf:",null,{"$f":"VLOOKUP(C7,Hilfe!A1:E59,4,FALSE)","v":0.11641458853265951}]
[]
[]
[]
[]
[]
["Mit der Wunschpolice ist Geldanlage kinderleicht. Zielorientiert und renditestark\n… so funktioniert sparen.\n\nUnsere hochflexiblen Fondspolicen (CleVesto Allcase / CleVesto Favorites) bieten verschiedenste Möglichkeiten mit langfristigen Renditeerwartungen von ca. 3% bis 6% pro Jahr. Um die mögliche Rendite nicht stark zu reduzieren, verzichten wir auf teure, unflexible Garantien der einbezahlten Beiträge."]
["Helvetia schweizerische Lebensversicherungs-AG • Weißadlergasse 2 • 60311 Frankfurt a.M. • T +49 (0)69 1332-575 \nAufsichtsratsvorsitzender: Dr. Markus Gemperle • Vorstand: Dipl.-Kfm. Volker Steck (Vors.), Dipl.-Kfm. Burkhard Gierse, Alexander Schorn \nLandesbank Hessen-Thüringen Girozentrale • Kto. 15425002 • BLZ 500 500 00 • IBAN DE45 5005 0000 0015 4250 02 • BIC HELADEFFXXX \nRegistergericht Frankfurt a.M. HRB 28138 • USt-IdNr. DE 811311232"]
["Quelle: Eigene Berechnungen auf Basis Ihrer Angaben und der gesetzlichen Daten."]
["Für die Richtigkeit der Angaben kann keine Gewähr übernommen werden, denn Programm- und Berechnungsfehler sind trotz sorgfältigstem Vorgehen nicht ausgeschlossen.                                                                          "]

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["Laufzeit",{"$f":"Zielpolice!C7","v":15},null,"Jahre","Beitrag","Gewinn","Gewinn kumuliert",{"$f":"\"Gesamtkapital (\"&B2*100&\"%)\"","v":"Gesamtkapital (5%)"},"Beitrag",{"$f":"\"Schlechter Verlauf (\"&B3*100&\"%)\"","v":"Schlechter Verlauf (-2,5%)"},{"$f":"\"Guter Verlauf (\"&B4*100&\"%)\"","v":"Guter Verlauf (10%)"},"Wunschkapital"]
["Rendite",{"$f":"Zielpolice!D12","v":0.05},null,0,{"$f":"B6","v":0},0,0,{"$f":"E2+F2","v":0},{"$f":"E2","v":0},{"$f":"I2","v":0},{"$f":"E2","v":0},{"$f":"IF(D2=$B$1,H2,#N/A)","v":{"$error":"#N/A"}}]
["Schlechte Rendite",{"$f":"B2*-1*0.5","v":-2.5000000000000001E-2},null,1,{"$f":"B5*12+B6","v":2206.7756004402072},{"$f":"E3*$B$2","v":110.33878002201037},{"$f":"F3","v":110.33878002201037},{"$f":"E3+F3","v":2317.1143804622175},{"$f":"E3","v":2206.7756004402072},{"$f":"E3*(1+$B$3)","v":2151.6062104292018},{"$f":"E3*(1+$B$4)","v":2427.4531604842282},{"$f":"IF(D3=$B$1,H3,#N/A)","v":{"$error":"#N/A"}}]
["Gute Rendite",{"$f":"MIN(10%,B2*2)","v":0.1},null,2,{"$f":"IF(D4>0,$B$5*12,0)","v":2206.7756004402072},{"$f":"(H3+E4)*$B$2","v":226.19449904512123},{"$f":"F4+G3","v":336.53327906713162},{"$f":"H3+E4+F4","v":4750.0844799475453},{"$f":"E4+I3","v":4413.5512008804144},{"$f":"(E4+J3)*(1+$B$3)","v":4249.4222655976737},{"$f":"(E4+K3)*(1+$B$4)","v":5097.6516370168802},{"$error":"#N/A"}]
["Beitrag",183.89796670335059,null,3,2206.7756004402072,{"$f":"(H4+E5)*$B$2","v":347.84300401938765},{"$f":"F5+G4","v":684.37628308651927},{"$f":"H4+E5+F5","v":7304.7030844071405},{"$f":"E5+I4","v":6620.3268013206216},{"$f":"(E5+J4)*(1+$B$3)","v":6294.792919386934},{"$f":"(E5+K4)*(1+$B$4)","v":8034.8699612027967},{"$error":"#N/A"}]
["Einmalanlage zu Beginn",{"$f":"Zielpolice!D10","v":0},null,4,2206.7756004402072,{"$f":"(H5+E6)*$B$2","v":475.57393424236744},{"$f":"F6+G5","v":1159.9502173288868},{"$f":"H5+E6+F6","v":9987.0526190897162},{"$f":"E6+I5","v":8827.1024017608288},8289.0293068314641,11265.810117807305,{"$error":"#N/A"}]
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["Ziel",{"$f":"Zielpolice!C6","v":50000},null,6,2206.7756004402072,750.51476154733143,2520.1563898527143,15760.809992493958,13240.653602641243,12129.180750404334,18729.281879563718,{"$error":"#N/A"}]
["Gesamtguthaben",{"$f":"VLOOKUP(B1,D:I,5)","v":49999.999999999985},null,7,2206.7756004402072,898.37927964670826,3418.5356694994225,18865.964872580873,15447.42920308145,13977.557442073427,23029.66322800432,{"$error":"#N/A"}]
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["Beitrag",{"$f":"VLOOKUP(B1,D:I,6)","v":33101.634006603112},null,10,2206.7756004402072,1387.8293176204086,7076.6596656265019,29144.415670028578,22067.756004402072,19250.023074173703,38687.351717676553,{"$error":"#N/A"}]
["Wertzuwachs",{"$f":"VLOOKUP(B1,D:I,4)","v":16898.365993396867},null,11,2206.7756004402072,1567.5595635234395,8644.2192291499414,32918.750833992228,24274.531604842279,20920.378707748561,44983.540049928444,{"$error":"#N/A"}]
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[null,null,null,14,2206.7756004402072,2162.4891437432098,14517.413612444485,45412.2720186074,30894.858406162901,25685.042053214071,67907.961767657558,{"$error":"#N/A"}]
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["Minusprozent",null,null,17,2206.7756004402072,2851.1944990451202,22359.899272463994,59875.084479947524,37515.185207483519,30101.214943677642,98420.367073955029,{"$error":"#N/A"}]
["Ziel als Punkt einzeichnen",null,null,18,2206.7756004402072,3104.0930040193871,25463.992276483383,65185.95308440712,39721.960807923722,31500.290780514901,110689.85694183476,{"$error":"#N/A"}]
["Hilfespalte weg",null,null,19,2206.7756004402072,3369.6364342423667,28833.628710725749,70762.365119089693,41928.736408363926,32864.389721431224,124186.29579650247,{"$error":"#N/A"}]
["Grafiken in den Text",null,null,20,2206.7756004402072,3648.4570359764948,32482.085746702243,76617.597755506387,44135.512008804129,34194.386188824647,139032.37853663694,{"$error":"#N/A"}]
["Ziele vorgeben (wie Fidelity)",null,null,21,2206.7756004402072,{"$f":"(H22+E23)*$B$2","v":3941.2186677973295},{"$f":"F23+G22","v":36423.304414499573},{"$f":"H22+E23+F23","v":82765.592023743928},{"$f":"E23+I22","v":46342.287609244333},35491.132744533228,155363.06955078489,{"$error":"#N/A"}]
["Dax-Vergangenheit als Vorbelegung",null,null,22,2206.7756004402072,4248.6183812092067,40671.922795708779,89220.986005393337,48549.063209684537,36755.460636349097,173326.82966634762,{"$error":"#N/A"}]
["Zieleingabe",null,null,23,2206.7756004402072,4571.3880802916774,45243.310876000454,95999.149686125224,50755.83881012474,37988.180330869574,193086.96579346663,{"$error":"#N/A"}]
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{"sheet":"Zielvertrag","index":3,"n_rows":37,"n_cols":5,"rows_kept":37,"cut":false,"hidden":false,"merged":[[1,0,1,6],[3,0,3,6],[5,0,5,6],[6,0,6,6],[8,0,8,6],[21,0,21,6],[23,0,23,6],[25,0,25,6],[10,0,10,6],[12,0,12,6],[14,0,14,6],[15,0,15,6],[17,0,17,6],[19,0,19,6]]}
[]
["Mein persönlicher Zielerreichungs-Vertrag"]
[]
[{"$f":"\"Mein Ziel: \"&Zielpolice!C5&\"\"","v":"Mein Ziel: Studium"}]
[]
[{"$f":"\"Dafür möchte ich in \"&Zielpolice!C7&\" Jahren (bis \"&YEAR(TODAY())+Zielpolice!C7&\")\"","v":"Dafür möchte ich in 15 Jahren (bis 2037)"}]
[{"$f":"\"ein Kapital von \"&FIXED(Zielpolice!C6,0)&\" Euro ansparen.\"","v":"ein Kapital von 50.000 Euro ansparen."}]
[]
["Dafür spare ich entweder:"]
[]
[{"$f":"\"[  ] mit 0% Zins nach Kosten \"&ROUNDUP(Zielpolice!C6/Zielpolice!C7/12,0)&\" Euro monatlich ohne Risiko an.\"","v":"[  ] mit 0% Zins nach Kosten 278 Euro monatlich ohne Risiko an."}]
[]
["oder"]
[]
[{"$f":"\"[  ] mit \"&Zielpolice!D12*100&\"% Zins nach Kosten \"&ROUNDUP(Zielpolice!D9,0)&\" Euro monatlich an. Dafür nehme ich\"","v":"[  ] mit 5% Zins nach Kosten 184 Euro monatlich an. Dafür nehme ich"}]
[{"$f":"\"Schwankungen des Guthabens von ca. \"&ROUNDUP(Zielpolice!D12*100*6,-1)&\"% in Kauf.\"","v":"Schwankungen des Guthabens von ca. 30% in Kauf."}]
[]
["Um mein Ziel zu erreichen,\nwerde ich mein Guthaben erst abrufen wenn:"]
[]
["Ich das Ziel erreicht habe (ggf. auch schon vorzeitig)."]
[]
["oder"]
[]
["Ich das Ziel aufgebe."]
[]
["Entnahmen sind im Notfall möglich, sollten aber nur in\nguten Börsenphasen erfolgen."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Ort/ Datum",null,null,"Unterschrift"]

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[null,"Min","Mittelwert","Max","Anzahl"]
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