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Dennoch kann es sich lohnen, weiterhin auf Indexfonds zu setzen. Wo Anleger die besten Broker für ETF-Anlagen finden.",[],{"id":1523,"type":1047,"tags":1602,"lang":13,"slug":1525,"first_publication_date":1526,"last_publication_date":1527,"uid":1525,"link_type":43,"key":1603,"isBroken":45},[],"2810c245-05df-4b28-81e3-b39a468d85c3",{"dimensions":1605,"alt":1608,"copyright":1177,"url":1609,"id":1610,"edit":1611},{"width":1606,"height":1607},1200,800,"Frau überprüft Datensätze am Computer und Smartphone","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmk2GNHVfTPDjw_767ff0ac657ffdcbca4ca705e1384c6bcbb9d176-frau_am_computer.jpg?auto=format,compress","aMLmk2GNHVfTPDjw",{"x":24,"y":24,"zoom":25,"background":26},{"id":1026,"type":1027,"tags":1613,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":1614,"isBroken":45},[],"c3a44212-c6fd-46dc-8e83-4def71c47bda",[1616],{"variation":1071,"version":1072,"items":1617,"primary":1618,"id":1668,"slice_type":1152,"slice_label":5},[],{"text":1619,"chart_alt":5},[1620,1623,1626,1629,1632,1635,1638,1641,1648,1651,1654,1657,1660],{"type":1077,"text":1621,"spans":1622,"direction":1044},"ETF-Anlagen bleiben attraktiv – trotz steigender Zinsen",[],{"type":1035,"text":1624,"spans":1625,"direction":1044},"Es ist noch gar nicht lange her, da waren festverzinsliche Geldanlagen in Deutschland ein dramatisches Verlustgeschäft. Selbst vorsichtige Sparer wandten sich daher von Fest- und Tagesgeldkonten ab und suchten ihr Glück in ETF-Anlagen. Die meisten von ihnen sind damit gut gefahren.",[],{"type":1035,"text":1627,"spans":1628,"direction":1044},"Angesichts der steigenden Zinsen werden zwar auch festverzinsliche Angebote wieder attraktiver. Echte Renditen – jenseits des Inflationsausgleichs – erzielen Anleger aber nach wie vor nur, wenn sie sich an den Kapitalmarkt wagen. Das gilt umso mehr, als der Zinsanstieg bereits ins Stocken geraten ist.",[],{"type":1035,"text":1630,"spans":1631,"direction":1044},"Aktien, und damit auch die ETF-Anlagen, machen hingegen wieder Boden gut und sind auf dem Weg zu neuen Spitzenwerten.",[],{"type":1087,"text":1633,"spans":1634,"direction":1044},"Warum sich ETF-Sparpläne für Anleger lohnen",[],{"type":1035,"text":1636,"spans":1637,"direction":1044},"Wer von dieser Entwicklung profitieren, aber die Risiken überschaubar halten will, ist mit einem ETF-Sparplan gut beraten. Einsteiger müssen sich im Vorfeld allerdings einen Broker suchen, der die Geschäfte für sie abwickelt. Doch welche Anbieter sind zu empfehlen?\nWelche ETF-Broker sind am günstigsten?",[],{"type":1087,"text":1639,"spans":1640,"direction":1044},"So wurde bewertet",[],{"type":1035,"text":1642,"spans":1643,"direction":1044},"Dieser Frage ist die FMH-Finanzberatung im Auftrag der WirtschaftsWoche nachgegangen.",[1644],{"start":1645,"end":1161,"type":1041,"data":1646},43,{"link_type":49,"url":1647,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Ftarifvergleich-die-besten-broker-fuer-etf-anleger\u002F29360082.html",{"type":1035,"text":1649,"spans":1650,"direction":1044},"Unser Augenmerk lag dabei ausschließlich auf den Kosten für Kauf und Verkauf von Papieren sowie die den Depotgebühren. Die Wertentwicklung der einzelnen ETFs floss nicht in die Bewertung ein.",[],{"type":1077,"text":1652,"spans":1653,"direction":1044},"Top-Anbieter 2023 im Überblick",[],{"type":1035,"text":1655,"spans":1656,"direction":1044},"Bei den Online und Neo-Brokern konnten nach diesen Kriterien vor allem Traders Place, finanzen.net I zero; Trade Republic, Scalable Capital und just Trade überzeugen.",[],{"type":1035,"text":1658,"spans":1659,"direction":1044},"Die besten ETF-Broker aus dem Lager der Direkt- und Geschäftsbanken sind ING, Targobank und Santander.",[],{"type":1035,"text":1661,"spans":1662,"direction":1044},"Einen umfassenden Überblick über ETF-Broker finden Sie in unserem Depot-Vergleich.",[1663],{"start":1664,"end":1665,"type":1041,"data":1666},66,81,{"id":141,"type":107,"tags":1667,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],"text_block$511a9e41-f628-4181-a6cf-58a99bafe45e","ETF-Broker 2023 im Vergleich: Die besten Anbieter | FMH","Die besten ETF-Broker 2023 im Vergleich: Kosten und Leistungen prüfen, passenden Anbieter finden und ETF-Investments gezielt optimieren.",{"dimensions":1672,"alt":1608,"copyright":1177,"url":1673,"id":1610,"edit":1674},{"width":1157,"height":1158},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmk2GNHVfTPDjw_767ff0ac657ffdcbca4ca705e1384c6bcbb9d176-frau_am_computer.jpg?auto=format%2Ccompress&rect=0%2C0%2C1200%2C630&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":1676,"uid":1494,"url":1677,"type":319,"href":1678,"tags":1679,"first_publication_date":1680,"last_publication_date":1681,"slugs":1682,"linked_documents":1684,"lang":13,"alternate_languages":1685,"data":1686},"aMLxdhEAACEAioh3","\u002Fartikel\u002Frobo-advisor-was-taugen-die-maschinellen-anlageberater","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLxdhEAACEAioh3%22%29+%5D%5D",[166],"2025-11-02T16:34:55+0000","2026-10-16T09:46:59+0000",[1683],"digitalisierung-erreicht-die-geldanlage",[],[],{"publication_date":239,"last_edit_date":1687,"set_last_edit_date_today":45,"title":1688,"subtitle":1689,"breadcrumb_title":5,"topic":1690,"teaser":1693,"author":1697,"cover":1698,"cover_position":1062,"table_of_content":1063,"toc_calculator":1064,"toc_selection":1705,"carousel_topic_filter":1706,"slices":1709,"meta_title":1756,"meta_description":1757,"meta_image":1758,"meta_indexed":1162},"2025-11-03","Robo-Advisor: Was taugen die maschinellen Anlageberater?","Wie Robo-Advisor die Geldanlage digitalisieren – und was Anleger wirklich erwartet",{"id":1026,"type":1027,"tags":1691,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":1692,"isBroken":45},[],"fd9933a8-4278-40d6-94c6-a34233c59fa8",[1694],{"type":1035,"text":1695,"spans":1696,"direction":1044},"Festverzinsliche Geldanlagen werfen kaum noch Erträge ab, aber für ein Engagement am Kapitalmarkt fehlt das Fachwissen? In dieser Situation vertrauen immer mehr auf Robo-Advisor. Sie versprechen jedem Anleger Zugang zu den Kapitalmärkten – transparent und einfach. Doch wie gut sind die digitalen Berater tatsächlich?",[],{"link_type":43},{"dimensions":1699,"alt":1701,"copyright":1177,"url":1702,"id":1703,"edit":1704},{"width":1607,"height":1700},533,"Geldanlage Wertpapiere","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLnx2GNHVfTPDog_2d74db8c25519a25c4fbe17aadbefcc654876120-210226-news-robo-advisor.jpg?auto=format,compress","aMLnx2GNHVfTPDog",{"x":24,"y":24,"zoom":25,"background":26},"h1, h2 + Slices",{"id":1026,"type":1027,"tags":1707,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":1708,"isBroken":45},[],"53feecc9-8bb9-4145-ad5f-f41b6c64a834",[1710],{"variation":1071,"version":1072,"items":1711,"primary":1712,"id":1755,"slice_type":1152,"slice_label":5},[],{"text":1713,"chart_alt":5},[1714,1717,1720,1723,1726,1729,1732,1735,1738,1741,1744,1747],{"type":1077,"text":1715,"spans":1716,"direction":1044},"Digitalisierung erreicht die Geldanlage",[],{"type":1035,"text":1718,"spans":1719,"direction":1044},"Rasenmähroboter. Vernetzte Fabriken. Kühlschränke, die selbstständig Milch nachbestellen. Die Digitalisierung hat inzwischen fast alle Lebensbereiche erreicht. Und so ist es nur logisch, dass Geldanlage-Roboter – sogenannte Robo-Advisor – sich gerade anschicken, die Finanzwelt aufzurollen.",[],{"type":1077,"text":1721,"spans":1722,"direction":1044},"Wie Robo-Advisor funktionieren",[],{"type":1035,"text":1724,"spans":1725,"direction":1044},"Der Name Robo-Advisor leitet sich von den englischen Begriffen „Roboter“ und „Advisor“ ab, also Roboter und Berater. Tatsächlich allerdings handelt es sich um Online-Portale, die Anlegern eine digitale Vermögensverwaltung anbieten. „Nach der Anmeldung beantworten Kunden dem Programm eine Reihe von Fragen, etwa zu ihren Anlagezielen, ihrer Finanzlage und Risikobereitschaft sowie zu ihren Kenntnissen zum Kapitalmarkt“, erklärt Beate Balke, Expertin für Robo-Advisor bei der FMH-Finanzberatung. Auf Basis dieser Informationen wird ihnen dann ein Anlagemix mit unterschiedlich hohen Aktienanteilen vorgeschlagen, je nachdem, welche Renditen sie anstreben und welche Risiken sie eingehen möchten.",[],{"type":1077,"text":1727,"spans":1728,"direction":1044},"Auch unerfahrene Anleger können profitieren",[],{"type":1035,"text":1730,"spans":1731,"direction":1044},"„Wer noch keine größeren Erfahrungen am Kapitalmarkt hat oder sich zum ersten Mal aufs Parkett wagt, dem wird der Algorithmus sehr konservative oder defensive Anlagen empfehlen“, so die Expertin. Gleiches gilt für Anleger, die auf Sicherheit bedacht sind und lieber auf ein, zwei Prozent Rendite verzichten, als Verluste in Kauf zu nehmen.",[],{"type":1035,"text":1733,"spans":1734,"direction":1044},"Dennoch warnen Verbraucherschützer immer wieder, dass Robo-Advisor für Anfänger im Aktiengeschäft nur bedingt geeignet seien. Schon ihr Name sei irreführend, weil Algorithmen nun einmal keine Beratung anbieten können, sondern einfach streng ihrer Programmierung folgen.",[],{"type":1077,"text":1736,"spans":1737,"direction":1044},"Beratung, Sicherheit und Flexibilität",[],{"type":1035,"text":1739,"spans":1740,"direction":1044},"Dieses Argument greift laut Balke allerdings zu kurz – zumindest, wenn man die Beratung durch die Banken als Maßstab nimmt. Diese sei oft provisionsgetrieben und erfolge längst nicht immer nur zum Nutzen des Kunden. Außerdem könnten Robo-Anleger, die kalte Füße bekommen, stets per Hotline oder Chat einen Menschen kontaktieren, um die Zusammensetzung ihres Portfolios kurzfristig zu ändern. Wer möchte, kann sein Portfolio auch kurzfristig auflösen. Zudem ist es möglich, jeden Tag Wertpapiere zu verkaufen und das Geld auf das eigene Konto zu überweisen.",[],{"type":1077,"text":1742,"spans":1743,"direction":1044},"Einstieg leicht gemacht – schon ab einem Euro",[],{"type":1035,"text":1745,"spans":1746,"direction":1044},"Weiterer Vorteil der Robo-Advisor: Anfänger können sich dort spielerisch an das Thema Geldanlage herantasten. Balke: „Anders als beim Depot können Interessenten zum Teil schon ab einem Anlagebetrag von einem Euro am Kapitalmarkt mitmischen. Das ist bei einem klassischen Depot undenkbar.“ Bleibt die Frage nach der Performance. „Das Pandemiejahr 2020 war natürlich auch an den Börsen sehr turbulent“, sagt Balke. „Im Mittel konnten Kunden, die ein moderates Risiko eingingen, aber selbst im vergangenen Jahr eine Rendite von 1,95 Prozent einstreichen – ein mehr als ansehnlicher Wert in diesen bewegten Zeiten.“",[],{"type":1035,"text":1748,"spans":1749,"direction":1044},"Mehr zum Thema Robo-Advisor.",[1750],{"start":1751,"end":1752,"type":1041,"data":1753},15,27,{"id":161,"type":107,"tags":1754,"lang":13,"slug":163,"first_publication_date":164,"last_publication_date":165,"uid":166,"url":167,"link_type":43,"isBroken":45},[109],"text_block$97a88112-fd8f-442e-841c-f03dadac8d1c","Robo-Advisor: Digitale Vermögensverwaltung im Check | FMH","Wie funktionieren digitale Anlageberater, welche Renditen sind realistisch und für wen lohnt sich die automatische Geldanlage?",{"dimensions":1759,"alt":1760,"copyright":1177,"url":1761,"id":1703,"edit":1762},{"width":1157,"height":1158},"Robo-Advisor","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLnx2GNHVfTPDog_2d74db8c25519a25c4fbe17aadbefcc654876120-210226-news-robo-advisor.jpg?auto=format%2Ccompress&rect=0%2C0%2C800%2C420&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":318,"uid":324,"url":325,"type":319,"href":1764,"tags":1765,"first_publication_date":322,"last_publication_date":323,"slugs":1766,"linked_documents":1767,"lang":13,"alternate_languages":1768,"data":1769},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22anmRVREAACwAdYoe%22%29+%5D%5D",[],[321],[],[],{"publication_date":1770,"last_edit_date":1770,"set_last_edit_date_today":45,"title":1771,"subtitle":1772,"breadcrumb_title":1773,"topic":1774,"teaser":1777,"author":1784,"cover":1791,"cover_position":1062,"table_of_content":1798,"toc_calculator":1064,"toc_selection":1799,"carousel_topic_filter":1800,"slices":1803,"meta_title":2196,"meta_description":2197,"meta_image":2198,"meta_indexed":1162},"2026-08-10","Tagesgeld-Hopping lohnt sich","Bis zu 846 Prozent Zinsplus für Tagesgeld-Hopper","Tagesgeldhopping",{"id":1026,"type":1027,"tags":1775,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":1776,"isBroken":45},[],"ee2b754a-b845-4a46-a4bb-1b7ae50a9232",[1778],{"type":1035,"text":1779,"spans":1780,"direction":1044},"Was bringen die Neukundenangebote beim Tagesgeld wirklich? Um das zu ermitteln, haben wir die Zinserträge von drei sehr verschiedenen Tagesgeld-Anlegern in den letzten vier Jahren verglichen. Das Ergebnis: Treue beim Sparen wird nicht belohnt…",[1781],{"start":24,"end":1782,"type":1783},243,"em",{"id":1785,"type":1047,"tags":1786,"lang":13,"slug":1787,"first_publication_date":1788,"last_publication_date":1789,"uid":1787,"link_type":43,"key":1790,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","f3bd9987-0d5d-486b-b4a7-f4737d8adccc",{"dimensions":1792,"alt":1793,"copyright":1794,"url":1795,"id":1796,"edit":1797},{"width":1606,"height":1607},"Hand hält Münze über drei Spargläsern mit steigenden Geldbeträgen und kleiner Pflanze","Rido, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FAhoawBncsZ-NcyqV_Hand-haelt-Muenze.jpg?auto=format,compress","AhoawBncsZ-NcyqV",{"x":24,"y":24,"zoom":25,"background":26},"Always","h1, h2, h3, h4 + Slices",{"id":1026,"type":1027,"tags":1801,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":1802,"isBroken":45},[],"f0910e4a-1e0f-42df-9a17-21f738febbaf",[1804,1828,1962,2004,2133,2188],{"variation":1071,"version":1072,"items":1805,"primary":1806,"id":1827,"slice_type":1152,"slice_label":5},[],{"text":1807,"chart_alt":5},[1808,1816,1819,1822,1824],{"type":1035,"text":1809,"spans":1810,"direction":1044},"Wenn es einen Trend gibt, der sich verfestigt hat, dann ist es dieser: Bestandskunden erhalten aufs Tagesgeld überschaubare Zinsen. Neukunden hingegen werden mit attraktiven Renditen umworben. Die gelten zwar nur für wenige Monate. Doch die Aktionen tun noch immer, was sie sollen: Sie bescheren Banken neue Kunden – und neuen Kunden (zumindest vorübergehend) bessere Erträge.",[1811],{"start":1812,"end":1813,"type":1041,"data":1814},100,109,{"id":106,"type":107,"tags":1815,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"type":1035,"text":1817,"spans":1818,"direction":1044},"Dahinter steckt folgende Ratio der Geldhäuser: Da nur die wenigsten Kunden alle paar Monate die Bank wechseln wollen, um erneut von einer Werbeaktion zu profitieren, bleibt das Gros der Neukunden ihnen erst einmal erhalten – und das Investment hat sich gelohnt.",[],{"type":1035,"text":1820,"spans":1821,"direction":1044},"In der Regel geht dieses Kalkül auch auf. Wer hat schon Zeit und Lust, alle paar Monate ein neues Konto zu eröffnen und seine Ersparnisse umzuziehen? Doch was wäre, wenn doch? Welche Rendite hätten Anleger wohl erzielt, wenn er in der Zeit zwischen August 2022 und Juli 2026 nach Ablauf des Aktionszeitraums konsequent zur nächsten Bank mit einem attraktiven Neukunden-Angebot gewechselt wäre?",[],{"type":1035,"text":1128,"spans":1823,"direction":1044},[],{"type":1035,"text":1825,"spans":1826,"direction":1044},"Um das herauszufinden, hat FMH.de die Tagesgeld-Erträge von drei verschiedenen Kunden ermittelt und gegenübergestellt. Sie alle hatten zu Beginn des Betrachtungszeitraums 50 000 Euro auf dem Konto.",[],"text_block$5d24abc1-2693-43b2-a144-20a64eaed69f",{"variation":1071,"version":1072,"items":1829,"primary":1830,"id":1960,"slice_type":1961,"slice_label":5},[],{"title":1831,"table":1832},"Drei unterschiedliche Kunden",{"head":1833,"body":1863},{"rows":1834},[1835],{"key":1836,"cells":1837},"1b7862ee-a222-4ebf-828b-2cdc18ac35d0",[1838,1845,1851,1857],{"key":1839,"type":1840,"content":1841},"b847db47-f7d0-48e6-8d96-4401d428ebf2","header",[1842],{"type":1035,"text":1843,"spans":1844,"direction":1044},"Kundentyp",[],{"key":1846,"type":1840,"content":1847},"72a6111c-412c-4886-93cd-0ece552e73b2",[1848],{"type":1035,"text":1849,"spans":1850,"direction":1044},"Wechselverhalten",[],{"key":1852,"type":1840,"content":1853},"7b326341-cd56-4516-bd2d-b1b97f12e0d8",[1854],{"type":1035,"text":1855,"spans":1856,"direction":1044},"Vorgehen",[],{"key":1858,"type":1840,"content":1859},"8d642a71-ec78-4186-a549-5ad69207183a",[1860],{"type":1035,"text":1861,"spans":1862,"direction":1044},"Strategie",[],{"rows":1864},[1865,1905,1933],{"key":1866,"cells":1867},"23020563-390d-4269-9d96-2de11583abeb",[1868,1882,1889,1899],{"key":1869,"type":1840,"content":1870},"81d42ec0-9395-4df3-94bd-de30fb31905b",[1871],{"type":1035,"text":1872,"spans":1873,"direction":1044},"Tagesgeld-Hopper\n\"Hannah Hopper\"",[1874,1876,1879],{"start":24,"end":1875,"type":1553},16,{"start":1877,"end":1878,"type":1553},17,18,{"start":1880,"end":1881,"type":1553},31,32,{"key":1883,"type":1884,"content":1885},"19f0f95f-d4b4-4359-9696-e3d3856c8fcf","data",[1886],{"type":1035,"text":1887,"spans":1888,"direction":1044},"16 Bankwechsel in 4 Jahren, 17 Konten eröffnet",[],{"key":1890,"type":1884,"content":1891},"b28ca701-39a7-43f5-abc2-8bba8787fb98",[1892],{"type":1035,"text":1893,"spans":1894,"direction":1044},"Wechsel bei einem Zinsvorteil von mindestens 0,5 Prozentpunkten; Orientierung am FMH-Tagesgeldvergleich",[1895],{"start":1665,"end":1896,"type":1041,"data":1897},103,{"id":106,"type":107,"tags":1898,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"key":1900,"type":1884,"content":1901},"9aefd59e-6f07-448c-825a-cdffa11e6086",[1902],{"type":1035,"text":1903,"spans":1904,"direction":1044},"Nutzt konsequent attraktive Tagesgeldangebote und Neukundenkonditionen",[],{"key":1906,"cells":1907},"00b2dfa1-cb4d-4bf6-b520-16314e9bee32",[1908,1915,1921,1927],{"key":1909,"type":1840,"content":1910},"56c39935-ab43-4364-a29e-f274cd76b32d",[1911],{"type":1035,"text":1912,"spans":1913,"direction":1044},"Direktbank-Kunde\n\"Dieter Direkt\"",[1914],{"start":24,"end":1877,"type":1553},{"key":1916,"type":1884,"content":1917},"2b2e00a1-d08c-483e-a68f-1480d37f13d1",[1918],{"type":1035,"text":1919,"spans":1920,"direction":1044},"Kein Bankwechsel in 4 Jahren",[],{"key":1922,"type":1884,"content":1923},"63731bfc-adff-4d98-a214-980afb1c2878",[1924],{"type":1035,"text":1925,"spans":1926,"direction":1044},"Bleibt bei seiner Direktbank und profitiert lediglich von deren Zinsanpassungen",[],{"key":1928,"type":1884,"content":1929},"9979105c-c445-44a8-9af2-647baae1d3ed",[1930],{"type":1035,"text":1931,"spans":1932,"direction":1044},"Bequem, aber verzichtet auf bessere Angebote anderer Banken",[],{"key":1934,"cells":1935},"3c7e19fa-bf8b-4450-8aa5-129c70311c29",[1936,1943,1948,1954],{"key":1937,"type":1840,"content":1938},"504cefbb-d7ff-4103-9758-2a8258b111d2",[1939],{"type":1035,"text":1940,"spans":1941,"direction":1044},"Filialbank-Kunde\n\"Frank Filiale\"",[1942],{"start":24,"end":1875,"type":1553},{"key":1944,"type":1884,"content":1945},"26898e43-782a-45f9-9d86-75b9c2267db0",[1946],{"type":1035,"text":1919,"spans":1947,"direction":1044},[],{"key":1949,"type":1884,"content":1950},"5998eb99-e6e1-4768-8c13-570a6d1061c3",[1951],{"type":1035,"text":1952,"spans":1953,"direction":1044},"Bleibt bei seiner regionalen Filialbank; Zins wurde im Betrachtungszeitraum nur dreimal angepasst",[],{"key":1955,"type":1884,"content":1956},"30b178d5-c75b-48e1-8b6e-5eb8839e1609",[1957],{"type":1035,"text":1958,"spans":1959,"direction":1044},"Höchste Kundentreue, aber besonders geringe Nutzung attraktiverer Zinsangebote",[],"basic_table$6310457d-71e9-4fbf-9915-766699d7f586","basic_table",{"variation":1071,"version":1072,"items":1963,"primary":1964,"id":2003,"slice_type":1152,"slice_label":5},[],{"text":1965,"chart_alt":5},[1966,1969,1972,1975,1978,1981,1984,1997,2000],{"type":1077,"text":1967,"spans":1968,"direction":1044},"Wechselbereitschaft zahlt sich aus",[],{"type":1035,"text":1970,"spans":1971,"direction":1044},"Die Unterschiede bei den Zinserträgen sind eklatant.",[],{"type":1035,"text":1973,"spans":1974,"direction":1044},"Der Tagesgeld-Hopper hat innerhalb von vier Jahren insgesamt 6.744 Euro Zinsen erwirtschaftet. Der Direktbankkunde kommt auf 1.567 Euro. Der Kunde der regionalen Filialbank schaffte es gerade einmal auf 797 Euro.",[],{"type":1035,"text":1976,"spans":1977,"direction":1044},"Gewisse kleine Ungenauigkeiten bei der Zinsermittlung lassen sich zwar nicht ausschließen, da wir bei unseren Berechnungen nicht berücksichtigt haben, dass pro Kontowechsel ein bis zwei Tage verloren gehen können, weil das Geld in dieser Zeit auf einem Referenzkonto seiner Wahl liegt, bis es zur neuen Bank übertragen wird.",[],{"type":1035,"text":1979,"spans":1980,"direction":1044},"Bei einem ungefähren Zinsplus von 430 Prozent gegenüber dem Direktbank-Kunden und einem Plus von 846 Prozent gegenüber dem Anleger, der stoisch bei seiner Filialbank ausgeharrt hat, zeigt sich jedoch:  Wer bereit ist, etwas Zeit und Aufwand zu investieren, erzielt mit seinem Tagesgeld auch in schlechten Zeiten mehr als nur einen Inflationsausgleich.",[],{"type":1077,"text":1982,"spans":1983,"direction":1044},"Vorsicht bei Konto-Koppelung",[],{"type":1035,"text":1985,"spans":1986,"direction":1044},"Ein Selbstläufer ist Tagesgeldhopping aber nicht. Einige Banken koppeln die attraktiven Aktionszinsen inzwischen an die Eröffnung eines Girokontos oder eines Depots.",[1987,1992],{"start":1988,"end":1989,"type":1041,"data":1990},136,146,{"id":476,"type":107,"tags":1991,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"start":1993,"end":1994,"type":1041,"data":1995},158,164,{"id":141,"type":107,"tags":1996,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"type":1035,"text":1998,"spans":1999,"direction":1044},"Hier sollten Kunden genau hinschauen und überlegen, ob der Wechsel zu einer solchen Bank wirklich vorteilhaft ist. Denn ein ständiger Girokontowechsel hat in der Regel negative Auswirkungen auf den Schufa-Score.",[],{"type":1035,"text":2001,"spans":2002,"direction":1044},"Die Verpflichtung, ein Depotkonto bei der Bank zu eröffnen, hat hingegen keine großen Auswirkungen, selbst wenn man dieses Depot einfach verkümmern lässt.",[],"text_block$8099bb8b-a151-4db0-9c34-4051c5671379",{"variation":1071,"version":1072,"items":2005,"primary":2006,"id":2131,"slice_type":2132,"slice_label":5},[],{"title":2007,"textblock":2008,"table":2020,"footnotes":2130,"primary_background":45,"primary_column_background":45,"primary_row_background":1162},"Zusammenfassung",[2009],{"type":1035,"text":2010,"spans":2011,"direction":1044},"Fazit: Wer beim Tagesgeld regelmäßig wechselt und attraktive Neukundenangebote nutzt, kann seinen Zinsertrag deutlich steigern. Aus 50.000 Euro wurden beim Zinshopper innerhalb von vier Jahren 56.744 Euro. Damit lag sein Ergebnis 5.947 Euro über dem Filialbank-Kunden und 5.177 Euro über dem Direktbank-Kunden.",[2012,2014,2017],{"start":24,"end":2013,"type":1553},6,{"start":2015,"end":2016,"type":1553},230,267,{"start":2018,"end":2019,"type":1553},272,309,{"head":2021,"body":2061},{"rows":2022},[2023],{"key":2024,"cells":2025},"274fdecc-03a3-46c8-b1e8-e051285a12c1",[2026,2034,2039,2047,2054],{"key":2027,"type":1840,"content":2028},"aa62905e-715c-44a8-9d6f-0351f557fac3",[2029],{"type":1035,"text":2030,"spans":2031,"direction":1044},"Anlagezeitraum",[2032],{"start":24,"end":2033,"type":1553},14,{"key":2035,"type":1840,"content":2036},"bb497288-d069-4f33-8a8a-2668f731f812",[2037],{"type":1035,"text":1128,"spans":2038,"direction":1044},[],{"key":2040,"type":1840,"content":2041},"d7a96432-ccb4-4b8d-908d-a29a25302b94",[2042],{"type":1035,"text":2043,"spans":2044,"direction":1044},"Hannah 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Aber auch unabhängig davon gilt: Wer einen Tagesgeldzins erhält, der deutlich über dem Bestandskundenzins liegt, kann mit einem Wechsel spürbar mehr herausholen.",[],"text_block$70db3926-902e-4e7e-b20b-418bf1d66556","Tagesgeld-Hopping: Bis zu 846 % mehr Zinsen | FMH","Tagesgeld-Hopping im Vergleich: Wer regelmäßig wechselt, erzielte in vier Jahren bis zu 846 % mehr Zinsen. Ergebnisse ansehen und Vorteile prüfen.",{},{"id":2200,"uid":1495,"url":2201,"type":319,"href":2202,"tags":2203,"first_publication_date":2206,"last_publication_date":2207,"slugs":2208,"linked_documents":2209,"lang":13,"alternate_languages":2210,"data":2211},"aMkuShIAACcA7fBk","\u002Fartikel\u002Fbaufinanzierung-staatliche-leistungen","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMkuShIAACcA7fBk%22%29+%5D%5D",[2204,2205],"vermögenswirksame leistungen","investmendfonds","2025-10-09T10:33:26+0000","2026-01-14T13:44:22+0000",[239],[],[],{"publication_date":239,"last_edit_date":2212,"set_last_edit_date_today":5,"title":2213,"subtitle":2214,"breadcrumb_title":5,"topic":2215,"teaser":2218,"author":2223,"cover":2231,"cover_position":1062,"table_of_content":1063,"toc_calculator":1064,"toc_selection":1065,"carousel_topic_filter":2238,"slices":2239,"meta_title":4030,"meta_description":4031,"meta_image":4032,"meta_indexed":1162},"2026-01-13","Staatliche Leistungen","Die FMH-Tabellen zur staatlichen Förderung",{"id":1026,"type":1027,"tags":2216,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":2217,"isBroken":45},[],"511bfd3b-5662-4231-87dd-814caa6ec82f",[2219],{"type":1035,"text":2220,"spans":2221,"direction":1044},"Viele Arbeitnehmer wissen nicht, was Vermögenswirksame Leistungen sind, welchen Anspruch sie darauf haben und welche Investitionsmöglichkeiten ihnen zur Verfügung stehen. Obendrein gibt’s auch noch Geld als Wohnungsbauprämie, für Denkmalschutz-Abschreibung, Kindergeld und Riester-Förderung. Deshalb finden Sie an dieser Stelle wichtige Informationen zum Thema – und alle Zahlen auf einen Blick.",[2222],{"start":24,"end":1161,"type":1553},{"id":2224,"type":1047,"tags":2225,"lang":13,"slug":2226,"first_publication_date":2227,"last_publication_date":2228,"uid":2229,"link_type":43,"key":2230,"isBroken":45},"aIc9vxEAACEAFoMr",[],"ania-scholz-orfanidis","2025-07-28T09:09:13+0000","2025-10-27T16:08:35+0000","ania-scholz","92c119a2-bfe1-446d-b666-1df53b872844",{"dimensions":2232,"alt":2213,"copyright":1177,"url":2235,"id":2236,"edit":2237},{"width":2233,"height":2234},225,116,"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMkuNmGNHVfTPRJD_33d844fca9ce204a9b3caff50850fd9de34ea4b5-staatliche_foerderungen.jpg?auto=format,compress","aMkuNmGNHVfTPRJD",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[2240,2452,2643,2939,3032,3832],{"variation":1071,"version":1072,"items":2241,"primary":2242,"id":2451,"slice_type":2132,"slice_label":5},[],{"title":2243,"textblock":2244,"table":2248,"footnotes":2447,"primary_background":45,"primary_column_background":1162,"primary_row_background":45},"Vermögenswirksame Leistungen – Bausparen",[2245],{"type":1035,"text":2246,"spans":2247,"direction":1044},"Der Staat bietet finanzielle Anreize (Arbeitnehmer-Sparzulage), um den Aufbau von Vermögen in Arbeitnehmerhand zu erreichen. 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Die Erhebung der Daten gestaltete sich jedoch schwieriger als erwartet, da viele Anbieter wenig Transparenz zeigen und keine konkreten Informationen zu Zinssätzen oder Konditionen geben wollten.",[4090],{"start":4091,"end":4092,"type":1041,"data":4093},49,52,{"link_type":49,"url":4094,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FDie-besten-Depots-mit-Angebot-fuer-Wertpapierkredite-article25289261.html",{"type":1035,"text":4096,"spans":4097,"direction":1044},"In die Auswertung flossen neben den Kreditbedingungen vor allem die Depot- und Transaktionsgebühren mit ein, da diese die Gesamtkosten erheblich beeinflussen.",[],{"type":1077,"text":4099,"spans":4100,"direction":1044},"Top-Auswahl für Wertpapierkredite: Diese Depotbanken überzeugen!",[],{"type":1035,"text":4102,"spans":4103,"direction":1044},"Online-Broker schneiden in der Regel besser ab als die Depots von Direkt- oder Filialbanken. Die Depots von finanzen.net zero, Smartbroker+, Scalable Capital, flatex, S Broker und maxblue der Deutschen Bank wurden mit „sehr gut“ bewertet.",[],{"type":1035,"text":4105,"spans":4106,"direction":1044},"Benötigen Sie Unterstützung bei der Suche nach einem passenden Depot? In unserem Depot-Vergleich werden Sie sicher fündig.",[4107],{"start":1665,"end":4108,"type":1041,"data":4109},96,{"id":141,"type":107,"tags":4110,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],"text_block$66aa643b-875e-4dc5-a46a-cabf41978f69","Wertpapierkredite 2024: Konditionen im Vergleich | FMH","Das passende Depot finden und günstige Wertpapierkredite vergleichen: Erfahren Sie, welche Kriterien bei der Auswahl entscheidend sind.",{"dimensions":4115,"alt":4063,"copyright":1177,"url":4116,"id":4065,"edit":4117},{"width":1157,"height":1158},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl4WGNHVfTPDhV_0b9c68a2bfa448a3204fb527315f4950d0b1772e-Frau-ueberlegt-bruenette.jpg?auto=format%2Ccompress&rect=0%2C0%2C1200%2C630&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":4119,"uid":1497,"url":4120,"type":319,"href":4121,"tags":4122,"first_publication_date":4124,"last_publication_date":4125,"slugs":4126,"linked_documents":4128,"lang":13,"alternate_languages":4129,"data":4130},"aMLx6hEAACAAionK","\u002Fartikel\u002Fgaranti-bank-solide-zinsen-und-smarter-rundum-service","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLx6hEAACAAionK%22%29+%5D%5D",[4123],"spotlight","2025-11-04T16:30:09+0000","2025-11-20T09:13:56+0000",[4127],"herr-isik-warum-sollten-kunden-zur-garantibank-international-wechseln-was-unterscheidet-sie-von-ihren-mitbewerbern",[],[],{"publication_date":4131,"last_edit_date":4131,"set_last_edit_date_today":5,"title":4132,"subtitle":4133,"breadcrumb_title":5,"topic":4134,"teaser":4137,"author":4141,"cover":4144,"cover_position":1062,"table_of_content":1063,"toc_calculator":1064,"toc_selection":1065,"carousel_topic_filter":4150,"slices":4151,"meta_title":4132,"meta_description":1128,"meta_image":4245,"meta_indexed":1162},"2023-09-15","Solide Zinsen und smarter Rundum-Service","Die GarantiBank International überzeugt mit erstklassiger Kundenberatung und interessanten Anlageprodukten",{"id":1026,"type":1027,"tags":4135,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":4136,"isBroken":45},[],"0b928b40-e61e-441d-8629-8362757fd07f",[4138],{"type":1035,"text":4139,"spans":4140,"direction":1044},"[Advertorial] FMH im Interview mit Nevzat Isik, Executive Director GarantiBank International, Niederlassung Düsseldorf.",[],{"id":2224,"type":1047,"tags":4142,"lang":13,"slug":2226,"first_publication_date":2227,"last_publication_date":2228,"uid":2229,"link_type":43,"key":4143,"isBroken":45},[],"058b173a-21ec-4a25-bd47-558550c46257",{"dimensions":4145,"alt":4132,"copyright":1177,"url":4147,"id":4148,"edit":4149},{"width":4146,"height":1055},1500,"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmzWGNHVfTPDki_5abbd5a3b0b19c9ecee70ae99615a8c09929cd80-experten-interview.jpeg?auto=format,compress","aMLmzWGNHVfTPDki",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[4152],{"variation":1071,"version":1072,"items":4153,"primary":4154,"id":4244,"slice_type":1152,"slice_label":5},[],{"text":4155,"chart_alt":5},[4156,4159,4162,4165,4168,4171,4174,4177,4180,4198,4201,4204,4207,4210,4213,4216,4219,4221,4224,4227,4230,4233,4236],{"type":1087,"text":4157,"spans":4158,"direction":1044},"Herr Isik, warum sollten Kunden zur GarantiBank International wechseln? Was unterscheidet Sie von Ihren Mitbewerbern?",[],{"type":1035,"text":4160,"spans":4161,"direction":1044},"Wir sind der passende Partner für all diejenigen Kunden, die sich nicht ausschließlich nach den ultimativen Zinsen ausrichten. Unsere Zinssätze rangieren im Mittelfeld und variieren je nach Produkt aktuell zwischen 1,25 und 3,40 Prozent. Wir punkten ganz klar mit unserer exzellenten Servicekompetenz und sind stolz darauf, dass unsere 50.000 Kunden ihre Zufriedenheit mit 9 von 10 Punkten bewerten. Im Detail bedeutet dies, dass Sie Ihr Konto per Online-Banking oder via App verwalten können. Ergänzend ist auch die klassische Kontoführung per Mail, Telefon, Brief, Fax oder in einem persönlichen Gespräch mit einem Mitarbeitenden in unserer Niederlassung in Düsseldorf möglich. Darüber hinaus steht unser Kundenservice mit unserem kompetenten deutschsprachigen Team für alle Rückfragen zur Verfügung.",[],{"type":1087,"text":4163,"spans":4164,"direction":1044},"Sind die Einlagen abgesichert?",[],{"type":1035,"text":4166,"spans":4167,"direction":1044},"Die Zentrale der GarantiBank International sitzt in Amsterdam und ist durch die gesetzliche Einlagensicherung der Niederlande abgesichert. Was bedeutet das für unsere Kunden in Deutschland? Die Ersparnisse von Kunden mit Wohnsitz in Deutschland, die ein Konto bei einer deutschen Filiale eines niederländischen Kreditinstituts haben, sind nach europäischem Standard bis zu einer Summe von 100.000 Euro pro Person zu 100 % geschützt.",[],{"type":1035,"text":4169,"spans":4170,"direction":1044},"Darüber hinaus agiert die GarantiBank International mittlerweile seit über 24 Jahren erfolgreich auf dem deutschen und seit über 33 Jahren auf dem niederländischen Finanzmarkt. In dieser langen und in Teilen auch schwierigen Zeit haben wir nie Verluste verzeichnet. Unser Eigenkapital beträgt derzeit über 700 Mio Euro. Diese kontinuierliche Stabilität und die Tatsache, dass wir im Gegensatz zu vielen Mitbewerbern noch nie Negativzinsen verlangt haben, wird von unseren Kunden sehr geschätzt.",[],{"type":1087,"text":4172,"spans":4173,"direction":1044},"Wie schafft Ihre Bank den Spagat zwischen der Bequemlichkeit digitaler Dienstleistungen und der persönlichen Betreuung und Beratung, die viele Kunden zu schätzen wissen?",[],{"type":1035,"text":4175,"spans":4176,"direction":1044},"Da die Kundenzufriedenheit und damit unser Service bei uns im Mittelpunkt steht, investieren wir fortlaufend in unser hochflexibles Leistungsspektrum und in unser engagiertes Team. Neben Online-Banking oder App können sich unsere Kunden auf Wunsch auch weiterhin sämtliche Bankinformationen und Belege per Post zusenden lassen und mit uns via Mail, Telefon, Brief oder Fax kommunizieren. Darüber hinaus besteht unser Kundenservice-Team aus sachkundigen Mitarbeitenden, die sich von Montag bis Freitag in der Zeit von 9:00 bis 17:00 Uhr gerne persönlich um alle Fragen unserer Kunden und Neukunden kümmern.",[],{"type":1087,"text":4178,"spans":4179,"direction":1044},"Welche Hero-Produkte hat die GarantiBank im Produktportfolio?",[],{"type":1035,"text":4181,"spans":4182,"direction":1044},"Zentrales Element unseres Portfolios für Privatkunden ist das „Kleeblatt-Sparkonto“ – ein Kombinationsprodukt aus klassischem Sparkonto und Tagesgeldkonto. Es bietet die Möglichkeit einer Sparanlage zu einem variablen Zinssatz. Unsere Kunden können jederzeit über ihr Guthaben verfügen und bleiben somit besonders flexibel. Das „Kleeblatt-Sparkonto“ bildet auch die Basis für die Festgeldanlage, da sämtliche Zinsen hier gutgeschrieben werden. Betonen möchte ich, dass wir weder für die Eröffnung des Kontos noch für die Kontoführung Gebühren verlangen. Beliebt sind auch unser „Kleeblatt-Kündigungsgeld“ und unsere „Kleeblatt-Festgeldanlagen“ im Zeitraum von drei bis hin zu sechzig Monaten. Des Weiteren offerieren wir für Firmen spezifische Tagesgeld und Festgeldanlagen.",[4183,4188,4193],{"start":4184,"end":4185,"type":1041,"data":4186},63,82,{"link_type":49,"url":4187,"target":52},"https:\u002F\u002Fgarantibank.de\u002Fproducts\u002Fkleeblatt-sparkonto",{"start":4189,"end":4190,"type":1041,"data":4191},579,603,{"link_type":49,"url":4192,"target":52},"https:\u002F\u002Fgarantibank.de\u002Fproducts\u002Fkleeblatt-kündigungsgeld",{"start":4194,"end":4195,"type":1041,"data":4196},617,642,{"link_type":49,"url":4197,"target":52},"https:\u002F\u002Fgarantibank.de\u002Fproducts\u002Fkleeblatt-festgeld",{"type":1087,"text":4199,"spans":4200,"direction":1044},"Welches Produkt ist am flexibelsten?",[],{"type":1035,"text":4202,"spans":4203,"direction":1044},"Größte Flexibiliät bieten aktuell das Kleeblatt Sparkonto (Tagesgeld) und das Kleeblatt-Kündigungsgeld. Das Kündigungsgeld ist eine gute Alternative zum Kleeblatt-Sparkonto, um von noch höheren Zinssätzen zu profitieren und dennoch variabel zu bleiben.",[],{"type":1087,"text":4205,"spans":4206,"direction":1044},"Wer ist Ihr idealer Kunde?",[],{"type":1035,"text":4208,"spans":4209,"direction":1044},"Ganz bewusst richten wir uns in unserer Neukundenansprache nicht an eine bestimmte Ziel- oder Altersgruppe. Unser Kundenspektrum ist sehr breit, wobei der aktuelle Altersdurchschnitt bei Anfang 50 liegt. Wir bieten aber auch spezifische Sparkonten für Kinder und Jugendliche.",[],{"type":1087,"text":4211,"spans":4212,"direction":1044},"Was raten Sie aktuell Kunden mit einem Budget unter 10.000 oder über 100.000 Euro?",[],{"type":1035,"text":4214,"spans":4215,"direction":1044},"Da aktuell die Zinsen schwanken, empfehlen wir bei einem Budget unter 10.000 Euro Festgeldanlagen mit unterschiedlichen Laufzeiten. Um finanziell beweglich zu sein, kann auch ein kleiner Anteil auf dem Tagesgeldkonto verbleiben.",[],{"type":1035,"text":4217,"spans":4218,"direction":1044},"Bei einem Budget über 100.000 Euro ist derzeit eine Kombination aus 45 % Tagesgeld- und 55 % Festgeldanlage sinnvoll. Auch hier gilt für das Festgeld eine geschickte Mischung aus kürzeren und längeren Laufzeiten zu wählen, um bestmöglich auf steigende oder sinkende Zinssätze reagieren zu können.",[],{"type":1035,"text":1128,"spans":4220,"direction":1044},[],{"type":1121,"text":4222,"spans":4223,"direction":1044},"Seit 1999 in Deutschland",[],{"type":1121,"text":4225,"spans":4226,"direction":1044},"Niederlassung in Düsseldorf",[],{"type":1121,"text":4228,"spans":4229,"direction":1044},"Gesetzliche Niederländische Einlagensicherung bis 100.000 Euro pro Person",[],{"type":1121,"text":4231,"spans":4232,"direction":1044},"Zinssätze je nach Produkt zwischen 1,25 % und 3,40 %",[],{"type":1121,"text":4234,"spans":4235,"direction":1044},"Kundenservice: 0211-86 222 400",[],{"type":1121,"text":4237,"spans":4238,"direction":1044},"Weitere Informationen unter https:\u002F\u002Fgarantibank.de\u002F",[4239],{"start":4240,"end":4241,"type":1041,"data":4242},28,51,{"link_type":49,"url":4243,"target":52},"https:\u002F\u002Fgarantibank.de\u002F","text_block$0234198a-6afa-4178-84b8-5b518a91d14b",{"dimensions":4246,"alt":4132,"copyright":1177,"url":4247,"id":4148,"edit":4248},{"width":1157,"height":1158},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmzWGNHVfTPDki_5abbd5a3b0b19c9ecee70ae99615a8c09929cd80-experten-interview.jpeg?auto=format%2Ccompress&rect=0%2C0%2C1500%2C788&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":4250,"uid":1498,"url":4251,"type":319,"href":4252,"tags":4253,"first_publication_date":4254,"last_publication_date":4255,"slugs":4256,"linked_documents":4258,"lang":13,"alternate_languages":4259,"data":4260},"ahWelREAACIAQdRR","\u002Fartikel\u002Fki-recherchen-zu-tages--und-festgeldzinsen","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ahWelREAACIAQdRR%22%29+%5D%5D",[],"2026-05-26T13:59:58+0000","2026-10-16T09:48:41+0000",[4257],"die-erwartungen-an-ki--vergleiche-sind-enorm",[],[],{"publication_date":4261,"last_edit_date":4261,"set_last_edit_date_today":45,"title":4262,"subtitle":5,"breadcrumb_title":5,"topic":4263,"teaser":4266,"author":4272,"cover":4275,"cover_position":1062,"table_of_content":1063,"toc_calculator":1064,"toc_selection":1705,"carousel_topic_filter":4282,"slices":4285,"meta_title":4332,"meta_description":4333,"meta_image":4334,"meta_indexed":1162},"2026-05-26","KI-Recherchen zu Tages- und Festgeldzinsen sind nur Mittelmaß",{"id":1026,"type":1027,"tags":4264,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":4265,"isBroken":45},[],"63781075-5ed4-4cc9-8d53-042ae1f7996d",[4267],{"type":1035,"text":4268,"spans":4269,"direction":1044},"Künstliche Intelligenz kann Strickmuster erstellen, Kochrezepte generieren und User bei fast allen Rechercheaufgaben dieser Welt unterstützen. Doch was taugen die Antworten, die unterschiedliche KI-Bots auf Finanzfragen ihrer Nutzer geben? Wir wollten es genau wissen und haben unterschiedliche Anbieter auf die Probe gestellt.",[4270],{"start":24,"end":4271,"type":1783},327,{"id":1785,"type":1047,"tags":4273,"lang":13,"slug":1787,"first_publication_date":1788,"last_publication_date":1789,"uid":1787,"link_type":43,"key":4274,"isBroken":45},[],"2f862208-1b05-4097-a6a6-7bf1534dc1a9",{"dimensions":4276,"alt":4277,"copyright":4278,"url":4279,"id":4280,"edit":4281},{"width":4146,"height":1055},"Mensch gegen künstliche Intelligenz","KI, FMH-Finanzberatung","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FAkIQKHY0ZybbA2m-_KIvsFMHAbenddaemmerung.jpg?auto=format,compress","AkIQKHY0ZybbA2m-",{"x":24,"y":24,"zoom":25,"background":26},{"id":1026,"type":1027,"tags":4283,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":4284,"isBroken":45},[],"3e2b3f5b-7e35-4e43-8a06-2c9b6beb2bd6",[4286,4318],{"variation":1071,"version":1072,"items":4287,"primary":4288,"id":4317,"slice_type":1152,"slice_label":5},[],{"text":4289,"chart_alt":5},[4290,4293,4296,4299,4302,4305,4308,4311,4314],{"type":1035,"text":4291,"spans":4292,"direction":1044},"Zugegeben. Ein bisschen Eitelkeit war auch dabei, als wir damit begannen, die gängigsten KI-Tools auf ihren Nutzen im Bereich von aktuellen Zinsvergleichen zu untersuchen. Immerhin erstellen wir bei der FMH seit mehr als 40 Jahren aufwendige und unabhängige Zinsvergleiche für Endverbraucher und Banken. Dennoch wollten wir uns der Wahrheit stellen: Ist ein solcher Aufwand in Zeiten von KI überhaupt noch sinnvoll? Inwieweit kann KI die Recherchearbeit in diesem Bereich vereinfachen – und müssen wir bei der FMH am Ende befürchten, durch die neuen Technologien überflüssig zu werden?",[],{"type":1077,"text":4294,"spans":4295,"direction":1044},"Die Erwartungen an KI- Vergleiche sind enorm",[],{"type":1035,"text":4297,"spans":4298,"direction":1044},"Nicht leugnen lässt sich zunächst, dass die Analyse von Tages- oder Festgeldzinsen– zumindest auf den ersten Blick – ein ideales Anwendungsgebiet für Künstliche Intelligenz darstellt. Typische Fragen an die KI könnten hier lauten: „Wer zahlt derzeit die höchsten Zinsen aufs Festgeld für zwölf Monate?“ oder „Welche Bank hat das beste Tagesgeld für Neukunden?“ Banken oder andere Finanzinstitute könnten KI-Analysen zudem für einen Konkurrenzvergleich nutzen, wenn es schnell gehen soll.",[],{"type":1035,"text":4300,"spans":4301,"direction":1044},"Doch können die Ergebnisse mit denen unserer Datenbank mithalten? Um das herauszufinden haben wir über Monate hinweg die bekanntesten KI-Boots beauftragt, tagesaktuelle Zinsen zu recherchieren und zu vergleichen.",[],{"type":1035,"text":4303,"spans":4304,"direction":1044},"Im ersten Schritt haben wir ab Ende Februar 2026 einmal pro Woche ChatGPT (GPTBot; OpenAI), Gemini (GeminiBot) und Copilot (Copilot-Agent) beauftragt, die TOP-10 für Tagesgeld und Festgeldangebote aufzulisten. Dabei sollte die KI auch die beiden wichtigsten Zusatzbedingen beim Tagesgeld – die Garantiezeit des Aktionszinses und den anschließenden Anschlusszins – benennen. Ab März haben wir diesen Auftrag auch dem später aufgesetzten ClaudeBot (Anthropic) gestellt.",[],{"type":1035,"text":4306,"spans":4307,"direction":1044},"Anschließend verglichen wird die Bestenlisten-Ergebnisse der KI-Assistenten mit jenen, die den FMH-Mitarbeitern auf Basis eigener Recherchen und auf Basis der von den Banken gemeldeten Konditionen ermittelten.",[],{"type":1077,"text":4309,"spans":4310,"direction":1044},"KI-Ergebnisse sind nicht schlecht – aber eben auch nicht gut",[],{"type":1035,"text":4312,"spans":4313,"direction":1044},"Das Fazit unserer Experten nach fast drei Monaten: Wer ausschließlich auf ChatGPT und Co. setzt, um die besten Fest- und Tagesgeldangebote zu finden, erhält allenfalls Näherungswerte und verschenkt damit bares Geld.",[],{"type":1035,"text":4315,"spans":4316,"direction":1044},"Obwohl die verwendeten Prompts sehr spezifisch waren und regelmäßig verbessert wurden, haben die FMH-Profis während der gesamten Testphase kein einziges Mal Zinsinformationen erhalten, deren Datenqualität mit denen klassischer Datenbanken mithalten konnten. KI kann also – zumindest bis auf Weiteres – die akribische Recherchearbeit der FMH nicht ersetzen. Die von der KI gelieferten Ergebnisse genügen zwar, um Verbraucher vor schweren Fehlentscheidungen zu bewahren, wenn es um die Wahl des passenden Fest- oder Tagesgeldkontos geht. Die besten Angebote finden Kunden auf diese Weise aber eher nicht. Und für professionelle Marktanalysen ist KI derzeit sogar noch weniger zu empfehlen.",[],"text_block$b5f6fc24-baca-49b1-bc02-cbbbd4ede075",{"variation":1071,"version":1072,"items":4319,"primary":4320,"id":4330,"slice_type":4331,"slice_label":5},[],{"image":4321,"image_url":5,"caption":4329},{"dimensions":4322,"alt":4325,"copyright":5,"url":4326,"id":4327,"edit":4328},{"width":4323,"height":4324},1280,720,"Grafik der wöchentlichen KI-Ergebnisse ","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FahWjMLK9tuLqEJxi_2026-05-13-GrafikenKI-Top-ErgebnisseTagesgeld-002-.png?auto=format,compress","ahWjMLK9tuLqEJxi",{"x":24,"y":24,"zoom":25,"background":26},[],"image$57dc1a33-a15d-46e8-a7c1-16fb5d881252","image","KI gegen Finanzprofis: Können Bots Zinsdatenbanken ersetzen?","Liefert KI die besten Zinsen? Der FMH-Vergleich beweist: Aktuelle Zinsdaten von KI-Tools können mit echten Datenbanken nicht mithalten.",{},{"id":364,"uid":370,"url":371,"type":319,"href":4336,"tags":4337,"first_publication_date":368,"last_publication_date":369,"slugs":4338,"linked_documents":4339,"lang":13,"alternate_languages":4340,"data":4341},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQIk3hIAACYAHznu%22%29+%5D%5D",[366,145],[367],[],[],{"publication_date":4342,"last_edit_date":1687,"set_last_edit_date_today":45,"title":373,"subtitle":4343,"breadcrumb_title":5,"topic":4344,"teaser":4347,"author":4351,"cover":4354,"cover_position":1062,"table_of_content":1063,"toc_calculator":1064,"toc_selection":1705,"carousel_topic_filter":4361,"slices":4364,"meta_title":4467,"meta_description":4468,"meta_image":4469,"meta_indexed":1162},"2025-09-09","So sparen Anleger Gebühren und sichern sich bessere Renditen",{"id":1026,"type":1027,"tags":4345,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":4346,"isBroken":45},[],"7960af36-a641-412e-95e6-223210201a08",[4348],{"type":1035,"text":4349,"spans":4350,"direction":1044},"Bei der Wahl ihres Brokers achten viele ETF-Anleger vor allem auf niedrige Kosten - zu Recht. Doch was auf den ersten Blick günstig wirkt, kann schnell teuer werden. Die FMH-Finanzberatung hat für die WirtschaftsWoche untersucht, welche Anbieter 2025 besonders gute Konditionen für ETF-Anleger bieten.",[],{"id":1046,"type":1047,"tags":4352,"lang":13,"slug":1049,"first_publication_date":1050,"last_publication_date":1051,"uid":1049,"link_type":43,"key":4353,"isBroken":45},[],"22a04aa5-cd51-4fac-afcb-f8c143ea5732",{"dimensions":4355,"alt":4357,"copyright":5,"url":4358,"id":4359,"edit":4360},{"width":4356,"height":1606},1800,"Eine Hand legt Dominosteine, die das Wort ETF bilden","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQIvy7pReVYa3zOO_ETF-wuerfel.png?auto=format,compress","aQIvy7pReVYa3zOO",{"x":24,"y":24,"zoom":25,"background":26},{"id":1026,"type":1027,"tags":4362,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":4363,"isBroken":45},[],"e6feac33-3d24-488f-abab-7b196fe8560d",[4365],{"variation":1071,"version":1072,"items":4366,"primary":4367,"id":4466,"slice_type":1152,"slice_label":5},[],{"text":4368,"chart_alt":5},[4369,4372,4384,4387,4390,4393,4399,4403,4407,4411,4415,4420,4429,4432,4444,4447,4452,4455,4460],{"type":1077,"text":4370,"spans":4371,"direction":1044},"Was wurde untersucht?",[],{"type":1035,"text":4373,"spans":4374,"direction":1044},"Für die aktuelle Auswertung hat die FMH-Finanzberatung im Auftrag der WirtschaftsWoche insgesamt 24 Anbieter verglichen – 11 Onlinebroker sowie 13 Geschäfts- und Direktbanken. Bewertet wurden die Depotkosten, Transaktionsgebühren, Orderkosten beim Wertpapierkauf, die Gebühren für Sparplan-Ausführungen sowie das Vorhandensein von Auszahlplänen. Untersucht wurden zwei Szenarien: geringe Transaktionsvolumen von 500 Euro und hohe Volumen von 10.000 Euro pro Trade.",[4375,4379],{"start":4376,"end":1752,"type":1041,"data":4377},8,{"link_type":49,"url":4378,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-broker-f-r-den-etf-handel-wirtschaftswoche",{"start":4380,"end":4381,"type":1041,"data":4382},70,86,{"link_type":49,"url":4383,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Fvergleich-die-besten-broker-fuer-etf-anleger\u002F100153729.html",{"type":1077,"text":4385,"spans":4386,"direction":1044},"Kosten sind entscheidend für die Rendite",[],{"type":1035,"text":4388,"spans":4389,"direction":1044},"Was auf den ersten Blick günstig aussieht, kann sich bei genauer Betrachtung als Renditekiller erweisen. Eine scheinbar niedrige Ordergebühr von 0,25 Prozent kann ohne Obergrenze bei hohen Beträgen stark ins Gewicht fallen. Umgekehrt verteuern fixe Mindestgebühren kleine Ordervolumina erheblich. Wer selten handelt, sollte vor allem auf ein kostenloses Depot achten. Wer regelmäßig investiert, profitiert stärker von niedrigen Orderkosten. Wichtig ist außerdem, ob eine Mindest- oder Höchstgebühr gilt - sie entscheidet, ob ein Modell für kleine oder große Summen geeignet ist.",[],{"type":1077,"text":4391,"spans":4392,"direction":1044},"Beste Broker bei kleinen Transaktionsvolumen",[],{"type":1035,"text":4394,"spans":4395,"direction":1044},"Bei einem Ordervolumen von 500 Euro pro Trade wurden fünf Onlinebroker mit „sehr gut“ ausgezeichnet:",[4396],{"start":4397,"end":4398,"type":1553},75,85,{"type":1121,"text":4400,"spans":4401,"direction":1044},"Smartbroker+ – 1,00 Euro pro Order bis 499,99 Euro, darüber kostenlos",[4402],{"start":24,"end":2320,"type":1553},{"type":1121,"text":4404,"spans":4405,"direction":1044},"Traders Place – 0,95 Euro pro Order bis 499,99 Euro, ab 500 Euro gebührenfrei",[4406],{"start":24,"end":2046,"type":1553},{"type":1121,"text":4408,"spans":4409,"direction":1044},"Scalable Capital – pauschal 0,99 Euro pro Order",[4410],{"start":24,"end":1875,"type":1553},{"type":1121,"text":4412,"spans":4413,"direction":1044},"Trade Republic – pauschal 1,00 Euro",[4414],{"start":24,"end":2033,"type":1553},{"type":1121,"text":4416,"spans":4417,"direction":1044},"N26 – keine Transaktionskosten",[4418],{"start":24,"end":4419,"type":1553},3,{"type":1035,"text":4421,"spans":4422,"direction":1044},"Alle ausgezeichneten Anbieter führen das Depot kostenlos, ebenso die Ausführung der Sparpläne. Unter den Geschäfts- und Direktbanken, konnte in dieser Kategorie die ING, sowie die 1822direkt mit einem „sehr gut“ überzeugen.",[4423,4426],{"start":4424,"end":4425,"type":1553},165,168,{"start":4427,"end":4428,"type":1553},180,191,{"type":1077,"text":4430,"spans":4431,"direction":1044},"Beste Broker bei hohen Transaktionsvolumen",[],{"type":1035,"text":4433,"spans":4434,"direction":1044},"Auch bei einem Ordervolumen von 10.000 Euro pro Trade überzeugen die gleichen fünf Anbieter mit Top-Konditionen. Zusätzlich erhielt Flatex die Bewertung „sehr gut“. Bei hohem Transaktionsvolumen überzeugte außerdem die ING und die Merkur Privatbank unter den Geschäfts- und Direktbanken.",[4435,4438,4441],{"start":4436,"end":4437,"type":1553},132,138,{"start":4439,"end":4440,"type":1553},219,223,{"start":4442,"end":4443,"type":1553},231,248,{"type":1077,"text":4445,"spans":4446,"direction":1044},"Onlinebroker bleiben klar im Vorteil",[],{"type":1035,"text":4448,"spans":4449,"direction":1044},"Die Auswertung zeigt: Neobroker und Onlinebroker bieten meist einheitlich niedrige Gebühren und kostenlose Depots. Geschäfts- und Direktbanken haben in den vergangenen Jahren aufgeholt, liegen preislich aber weiterhin höher. Onlinebroker arbeiten überwiegend mit Pauschalpreisen, wodurch die Kosten auch bei höheren Volumina stabil bleiben. Klassische Banken verlangen dagegen häufiger prozentuale Ordergebühren, die mit dem Anlagevolumen steigen.",[4450],{"start":1137,"end":2689,"type":1041,"data":4451},{"link_type":49,"url":4378,"target":52},{"type":1077,"text":4453,"spans":4454,"direction":1044},"Fazit: Günstig handeln zahlt sich aus",[],{"type":1035,"text":4456,"spans":4457,"direction":1044},"Die FMH-Auswertung zeigt, dass Anleger mit der richtigen Brokerwahl ihre Rendite deutlich verbessern können. Vor allem Online- und Neobroker punkten mit niedrigen Gebühren, kostenlosen Depots und attraktiven Sparplanangeboten.",[4458],{"start":1137,"end":1878,"type":1041,"data":4459},{"link_type":49,"url":4378,"target":52},{"type":1035,"text":4461,"spans":4462,"direction":1044},"\nDer FMH Depot-Vergleich liefert einen transparenten Überblick über alle getesteten Anbieter – unabhängig, aktuell und praxisnah.",[4463],{"start":2073,"end":3959,"type":1041,"data":4464},{"id":141,"type":107,"tags":4465,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],"text_block$a4f35377-565c-4bc7-ad79-5f0c205b7099","Broker-Vergleich: Die besten Anbieter für ETFs | FMH.de","ETF-Broker im Test: FMH & WirtschaftsWoche zeigen 2025 die besten Anbieter für geringe & hohe Ordervolumen. Jetzt günstig handeln.",{"dimensions":4470,"alt":4471,"copyright":5,"url":4472,"id":4359,"edit":4473},{"width":1157,"height":1158},"Hand legt Dominosteine, die das Wort ETF bilden","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQIvy7pReVYa3zOO_ETF-wuerfel.png?auto=format,compress&rect=0,128,1800,945&w=2400&h=1260",{"x":24,"y":4474,"zoom":25,"background":26},128,{"id":4476,"uid":1499,"url":4477,"type":319,"href":4478,"tags":4479,"first_publication_date":4480,"last_publication_date":4481,"slugs":4482,"linked_documents":4484,"lang":13,"alternate_languages":4485,"data":4486},"aQnY_BEAACAATSuW","\u002Fartikel\u002Fdie-besten-robo-advisor-2025-11","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQnY_BEAACAATSuW%22%29+%5D%5D",[366,166],"2025-11-04T10:47:38+0000","2026-10-16T09:35:06+0000",[4483],"was-robo-advisor-leisten",[],[],{"publication_date":4487,"last_edit_date":4487,"set_last_edit_date_today":45,"title":4488,"subtitle":4489,"breadcrumb_title":5,"topic":4490,"teaser":4493,"author":4497,"cover":4500,"cover_position":1062,"table_of_content":1063,"toc_calculator":1064,"toc_selection":1705,"carousel_topic_filter":4510,"slices":4513,"meta_title":4663,"meta_description":4664,"meta_image":4665,"meta_indexed":1162},"2025-11-04","Die besten Robo-Advisor 2025","Digitale Geldanlage im Test – wer überzeugt mit Strategie und Leistung",{"id":1026,"type":1027,"tags":4491,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":4492,"isBroken":45},[],"d09497fa-22be-4ee9-b2e0-133807df320a",[4494],{"type":1035,"text":4495,"spans":4496,"direction":1044},"Automatisierte Geldanlage liegt im Trend. Robo-Advisor übernehmen die Portfolioverwaltung, treffen datenbasierte Entscheidungen und machen Investieren einfacher. Die FMH Finanzberatung hat im Auftrag des Handelsblatts insgesamt zwölf Anbieter verglichen und zeigt, welche digitalen Vermögensverwalter 2025 am besten abschneiden.",[],{"id":1523,"type":1047,"tags":4498,"lang":13,"slug":1525,"first_publication_date":1526,"last_publication_date":1527,"uid":1525,"link_type":43,"key":4499,"isBroken":45},[],"1fe44b95-f5bb-47fa-a47a-14fbf2d0302b",{"dimensions":4501,"alt":4504,"copyright":4505,"url":4506,"id":4507,"edit":4508},{"width":4502,"height":4503},1300,867,"Mann mit Kopfhörern, verspiegelter Sonnenbrille und silberner Jacke","Jacob Lund, Shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQnojbpReVYa4BNP_Cyborg-silber.png?auto=format%2Ccompress&rect=42%2C0%2C1204%2C803&w=1300&h=867","aQnojbpReVYa4BNP",{"x":3733,"y":24,"zoom":4509,"background":26},1.08,{"id":1026,"type":1027,"tags":4511,"lang":13,"slug":1029,"first_publication_date":1030,"last_publication_date":1031,"uid":1029,"link_type":43,"key":4512,"isBroken":45},[],"e3278008-4d34-400b-b0f6-c9606e9d3700",[4514],{"variation":1071,"version":1072,"items":4515,"primary":4516,"id":4662,"slice_type":1152,"slice_label":5},[],{"text":4517,"chart_alt":5},[4518,4521,4524,4527,4534,4537,4540,4543,4546,4560,4563,4566,4569,4572,4576,4580,4584,4589,4592,4595,4598,4601,4604,4609,4613,4616,4619,4622,4625,4628,4631,4634,4637,4640,4643,4646,4652,4655],{"type":1077,"text":4519,"spans":4520,"direction":1044},"Was Robo-Advisor leisten",[],{"type":1035,"text":4522,"spans":4523,"direction":1044},"Viele Anleger wünschen sich eine einfache Möglichkeit, Geld anzulegen, ohne ständige Marktbeobachtung. Robo-Advisor übernehmen diese Aufgabe: Sie investieren automatisiert nach vordefinierten Regeln und passen Portfolios regelmäßig an. Das System basiert auf Algorithmen, die Anlageklassen wie Aktien und Anleihen je nach Risikoprofil gewichten. So profitieren Nutzer von einem klaren Konzept, geringen Einstiegshürden und rationalen Entscheidungen, also frei von Emotionen.",[],{"type":1087,"text":4525,"spans":4526,"direction":1044},"So wurde getestet",[],{"type":1035,"text":4528,"spans":4529,"direction":1044},"Für den aktuellen Vergleich hat die FMH-Finanzberatung im Auftrag des Handelsblatts die Daten von zwölf Robo-Advisorn ausgewertet. Bewertet wurden:",[4530],{"start":4380,"end":4531,"type":1041,"data":4532},83,{"link_type":49,"url":4533,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fanlagestrategie\u002Ftrends\u002Frobo-advisor-welcher-ist-der-beste-zwoelf-angebote-im-vergleich\u002F100166981.html",{"type":1121,"text":4535,"spans":4536,"direction":1044},"Servicegebühren",[],{"type":1121,"text":4538,"spans":4539,"direction":1044},"Die laufende Performance und über 36 Monate",[],{"type":1121,"text":4541,"spans":4542,"direction":1044},"Ergebnisse für ausgewogene und risikoreiche Strategien",[],{"type":1121,"text":4544,"spans":4545,"direction":1044},"Kostenstruktur und Mindestanlagesumme",[],{"type":1035,"text":4547,"spans":4548,"direction":1044},"Die Analyse basierte auf einem Testdepot mit 5.000 Euro Anlagesumme. Erstmals wurden neben ausgewogenen klassischen und nachhaltigen Strategien auch risikoreiche Portfolios bewertet.",[4549,4558],{"start":1137,"end":2266,"type":1041,"data":4550},{"id":4551,"type":62,"tags":4552,"lang":13,"slug":4553,"first_publication_date":4554,"last_publication_date":4555,"uid":4556,"url":4557,"link_type":43,"isBroken":45},"aQtSuBEAACEAT84I",[],"hier-entsteht-unsere-neue-auszeichnungsseite","2025-11-05T13:43:05+0000","2025-12-04T10:48:16+0000","auszeichnungen","\u002Fauszeichnungen",{"start":3785,"end":4559,"type":1553},68,{"type":1077,"text":4561,"spans":4562,"direction":1044},"Große Unterschiede bei Gebühren und Renditen",[],{"type":1035,"text":4564,"spans":4565,"direction":1044},"Die Ergebnisse zeigen deutliche Unterschiede bei den Kosten. Einige Anbieter arbeiten mit festen Servicegebühren, andere berechnen prozentuale Kosten abhängig vom Depotvolumen. Im Schnitt lagen die jährlichen Gebühren zwischen 0,3 und 1,0 Prozent. Trotz dieser Unterschiede überzeugten mehrere Robo-Advisor durch starke Renditen, besonders in der risikoreichen Anlagestrategie.",[],{"type":1077,"text":4567,"spans":4568,"direction":1044},"Die besten Anbieter bei klassische Strategien",[],{"type":1035,"text":4570,"spans":4571,"direction":1044},"In der Kategorie klassische Anlagestrategie erhielten vier Anbieter die Bewertung „sehr gut“:",[],{"type":1121,"text":4573,"spans":4574,"direction":1044},"quirion",[4575],{"start":24,"end":2281,"type":1553},{"type":1121,"text":4577,"spans":4578,"direction":1044},"growney",[4579],{"start":24,"end":2281,"type":1553},{"type":1121,"text":4581,"spans":4582,"direction":1044},"Raisin",[4583],{"start":24,"end":2013,"type":1553},{"type":1121,"text":4585,"spans":4586,"direction":1044},"Gerd Kommer Capital",[4587],{"start":24,"end":4588,"type":1553},19,{"type":1035,"text":4590,"spans":4591,"direction":1044},"Diese Anbieter zeigten in den vergangenen drei Jahren eine überdurchschnittliche Performance und faire Gebührenmodelle. Besonders positiv: Auch bei steigender Rendite blieben die Kosten stabil und transparent.",[],{"type":1077,"text":4593,"spans":4594,"direction":1044},"Nachhaltige Strategien im Aufwind",[],{"type":1035,"text":4596,"spans":4597,"direction":1044},"Nachhaltige Geldanlagen werden immer beliebter – und auch hier liefern viele Robo-Advisor starke Ergebnisse.",[],{"type":1035,"text":4599,"spans":4600,"direction":1044},"Mit der Note „sehr gut“ ausgezeichnet wurden:",[],{"type":1121,"text":4573,"spans":4602,"direction":1044},[4603],{"start":24,"end":2281,"type":1553},{"type":1121,"text":4605,"spans":4606,"direction":1044},"Evergreen",[4607],{"start":24,"end":4608,"type":1553},9,{"type":1121,"text":4610,"spans":4611,"direction":1044},"Ginmon",[4612],{"start":24,"end":2013,"type":1553},{"type":1035,"text":4614,"spans":4615,"direction":1044},"Die Servicekosten unterscheiden sich deutlich: Einige Anbieter verlangen keine Gebühren, andere bis zu einem Prozent jährlich. Trotzdem zeigt die Analyse, dass Nachhaltigkeit und Rendite zunehmend Hand in Hand gehen.",[],{"type":1077,"text":4617,"spans":4618,"direction":1044},"Risikoreiche Strategien mit Spitzenrenditen",[],{"type":1035,"text":4620,"spans":4621,"direction":1044},"Wer mehr Rendite sucht und kurzfristige Schwankungen akzeptiert, konnte in den letzten drei Jahren überdurchschnittlich profitieren.\nDie besten Robo-Advisor in dieser Kategorie erreichten bis zu 35 Prozent Rendite, der Durchschnitt lag bei etwa 20 Prozent.",[],{"type":1035,"text":4623,"spans":4624,"direction":1044},"Damit bestätigen die Ergebnisse: Automatisierte Anlagestrategien können auch bei höherem Risiko erfolgreich und effizient gemanagt werden – vorausgesetzt, die Kostenstruktur passt zur eigenen Anlagestrategie.",[],{"type":1087,"text":4626,"spans":4627,"direction":1044},"Worauf Anleger achten sollten",[],{"type":1035,"text":4629,"spans":4630,"direction":1044},"Ein gutes Ergebnis entsteht durch das Zusammenspiel von Performance, Kosten und Flexibilität. Entscheidend ist, dass das Gebührenmodell zum individuellen Anlageverhalten passt:",[],{"type":1121,"text":4632,"spans":4633,"direction":1044},"Bei regelmäßigen Einzahlungen sind fixe Gebühren von Vorteil.",[],{"type":1121,"text":4635,"spans":4636,"direction":1044},"Wer größere Beträge investiert, sollte auf prozentuale Kostenmodelle achten.",[],{"type":1121,"text":4638,"spans":4639,"direction":1044},"Mindestanlagesummen ab 50 Euro pro Monat sind üblich, schränken aber die Auswahl kleinerer Sparraten ein.",[],{"type":1035,"text":4641,"spans":4642,"direction":1044},"Transparenz ist dabei das wichtigste Kriterium: Anleger sollten genau wissen, welche Gebühren wofür anfallen.",[],{"type":1077,"text":4644,"spans":4645,"direction":1044},"Fazit: Digitale Geldanlage mit klaren Gewinnern",[],{"type":1035,"text":4647,"spans":4648,"direction":1044},"Die Auswertung der FMH-Finanzberatung im Auftrag des Handelsblatts zeigt: Robo-Advisor sind längst ein fester Bestandteil moderner Vermögensverwaltung.\nSie kombinieren planbare Strategien mit einfacher Handhabung – und liefern in vielen Fällen solide Erträge bei überschaubaren Kosten.",[4649],{"start":1137,"end":1138,"type":1041,"data":4650},{"link_type":49,"url":4651,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-robo-advisor-1",{"type":1035,"text":4653,"spans":4654,"direction":1044},"Ob klassisch, nachhaltig oder risikoreich: Die besten Anbieter 2025 überzeugen durch starke Ergebnisse und faire Konditionen.",[],{"type":1035,"text":4656,"spans":4657,"direction":1044},"Der FMH Robo-Advisor-Vergleich bietet eine unabhängige Orientierung für alle, die digital investieren möchten – transparent, aktuell und objektiv.",[4658],{"start":4376,"end":4659,"type":1041,"data":4660},30,{"id":161,"type":107,"tags":4661,"lang":13,"slug":163,"first_publication_date":164,"last_publication_date":165,"uid":166,"url":167,"link_type":43,"isBroken":45},[109],"text_block$a04da227-f64f-4f56-8845-26dcd2bb1d31","Robo-Advisor vergleichen: Die besten Anbieter | FMH","Die besten Robo-Advisor 2025 im Vergleich: FMH und Handelsblatt bewerten Performance, Gebühren und nachhaltige Strategien. Jetzt digital investieren.",{"dimensions":4666,"alt":4504,"copyright":4505,"url":4667,"id":4507,"edit":4668},{"width":1157,"height":1158},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQnojbpReVYa4BNP_Cyborg-silber.png?auto=format,compress&rect=0,92,1300,683&w=2400&h=1260",{"x":24,"y":4669,"zoom":25,"background":26},92]