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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":1063,"text":1070,"spans":1071,"direction":1037},"Wie Robo-Advisor funktionieren",[],{"type":1034,"text":1073,"spans":1074,"direction":1037},"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":1063,"text":1076,"spans":1077,"direction":1037},"Auch unerfahrene Anleger können profitieren",[],{"type":1034,"text":1079,"spans":1080,"direction":1037},"„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":1034,"text":1082,"spans":1083,"direction":1037},"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":1063,"text":1085,"spans":1086,"direction":1037},"Beratung, Sicherheit und Flexibilität",[],{"type":1034,"text":1088,"spans":1089,"direction":1037},"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. 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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…",[1455],{"start":24,"end":1456,"type":1457},243,"em",{"id":1459,"type":1460,"tags":1461,"lang":13,"slug":1462,"first_publication_date":1463,"last_publication_date":1464,"uid":1462,"link_type":43,"key":1465,"isBroken":45},"aNvqoxIAACQAg-TQ","author",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","f3bd9987-0d5d-486b-b4a7-f4737d8adccc",{"dimensions":1467,"alt":1469,"copyright":1470,"url":1471,"id":1472,"edit":1473},{"width":1468,"height":1041},1200,"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":1025,"type":1026,"tags":1477,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":1478,"isBroken":45},[],"f0910e4a-1e0f-42df-9a17-21f738febbaf",[1480,1505,1641,1683,1813,1868],{"variation":1057,"version":1058,"items":1481,"primary":1482,"id":1504,"slice_type":1106,"slice_label":5},[],{"text":1483,"chart_alt":5},[1484,1492,1495,1498,1501],{"type":1034,"text":1485,"spans":1486,"direction":1037},"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.",[1487],{"start":1488,"end":1489,"type":1102,"data":1490},100,109,{"id":106,"type":107,"tags":1491,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"type":1034,"text":1493,"spans":1494,"direction":1037},"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":1034,"text":1496,"spans":1497,"direction":1037},"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":1034,"text":1499,"spans":1500,"direction":1037},"",[],{"type":1034,"text":1502,"spans":1503,"direction":1037},"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":1057,"version":1058,"items":1506,"primary":1507,"id":1639,"slice_type":1640,"slice_label":5},[],{"title":1508,"table":1509},"Drei unterschiedliche Kunden",{"head":1510,"body":1540},{"rows":1511},[1512],{"key":1513,"cells":1514},"1b7862ee-a222-4ebf-828b-2cdc18ac35d0",[1515,1522,1528,1534],{"key":1516,"type":1517,"content":1518},"b847db47-f7d0-48e6-8d96-4401d428ebf2","header",[1519],{"type":1034,"text":1520,"spans":1521,"direction":1037},"Kundentyp",[],{"key":1523,"type":1517,"content":1524},"72a6111c-412c-4886-93cd-0ece552e73b2",[1525],{"type":1034,"text":1526,"spans":1527,"direction":1037},"Wechselverhalten",[],{"key":1529,"type":1517,"content":1530},"7b326341-cd56-4516-bd2d-b1b97f12e0d8",[1531],{"type":1034,"text":1532,"spans":1533,"direction":1037},"Vorgehen",[],{"key":1535,"type":1517,"content":1536},"8d642a71-ec78-4186-a549-5ad69207183a",[1537],{"type":1034,"text":1538,"spans":1539,"direction":1037},"Strategie",[],{"rows":1541},[1542,1584,1612],{"key":1543,"cells":1544},"23020563-390d-4269-9d96-2de11583abeb",[1545,1560,1567,1578],{"key":1546,"type":1517,"content":1547},"81d42ec0-9395-4df3-94bd-de30fb31905b",[1548],{"type":1034,"text":1549,"spans":1550,"direction":1037},"Tagesgeld-Hopper\n\"Hannah Hopper\"",[1551,1554,1557],{"start":24,"end":1552,"type":1553},16,"strong",{"start":1555,"end":1556,"type":1553},17,18,{"start":1558,"end":1559,"type":1553},31,32,{"key":1561,"type":1562,"content":1563},"19f0f95f-d4b4-4359-9696-e3d3856c8fcf","data",[1564],{"type":1034,"text":1565,"spans":1566,"direction":1037},"16 Bankwechsel in 4 Jahren, 17 Konten eröffnet",[],{"key":1568,"type":1562,"content":1569},"b28ca701-39a7-43f5-abc2-8bba8787fb98",[1570],{"type":1034,"text":1571,"spans":1572,"direction":1037},"Wechsel bei einem Zinsvorteil von mindestens 0,5 Prozentpunkten; Orientierung am FMH-Tagesgeldvergleich",[1573],{"start":1574,"end":1575,"type":1102,"data":1576},81,103,{"id":106,"type":107,"tags":1577,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"key":1579,"type":1562,"content":1580},"9aefd59e-6f07-448c-825a-cdffa11e6086",[1581],{"type":1034,"text":1582,"spans":1583,"direction":1037},"Nutzt konsequent attraktive Tagesgeldangebote und Neukundenkonditionen",[],{"key":1585,"cells":1586},"00b2dfa1-cb4d-4bf6-b520-16314e9bee32",[1587,1594,1600,1606],{"key":1588,"type":1517,"content":1589},"56c39935-ab43-4364-a29e-f274cd76b32d",[1590],{"type":1034,"text":1591,"spans":1592,"direction":1037},"Direktbank-Kunde\n\"Dieter Direkt\"",[1593],{"start":24,"end":1555,"type":1553},{"key":1595,"type":1562,"content":1596},"2b2e00a1-d08c-483e-a68f-1480d37f13d1",[1597],{"type":1034,"text":1598,"spans":1599,"direction":1037},"Kein Bankwechsel in 4 Jahren",[],{"key":1601,"type":1562,"content":1602},"63731bfc-adff-4d98-a214-980afb1c2878",[1603],{"type":1034,"text":1604,"spans":1605,"direction":1037},"Bleibt bei seiner Direktbank und profitiert lediglich von deren Zinsanpassungen",[],{"key":1607,"type":1562,"content":1608},"9979105c-c445-44a8-9af2-647baae1d3ed",[1609],{"type":1034,"text":1610,"spans":1611,"direction":1037},"Bequem, aber verzichtet auf bessere Angebote anderer Banken",[],{"key":1613,"cells":1614},"3c7e19fa-bf8b-4450-8aa5-129c70311c29",[1615,1622,1627,1633],{"key":1616,"type":1517,"content":1617},"504cefbb-d7ff-4103-9758-2a8258b111d2",[1618],{"type":1034,"text":1619,"spans":1620,"direction":1037},"Filialbank-Kunde\n\"Frank Filiale\"",[1621],{"start":24,"end":1552,"type":1553},{"key":1623,"type":1562,"content":1624},"26898e43-782a-45f9-9d86-75b9c2267db0",[1625],{"type":1034,"text":1598,"spans":1626,"direction":1037},[],{"key":1628,"type":1562,"content":1629},"5998eb99-e6e1-4768-8c13-570a6d1061c3",[1630],{"type":1034,"text":1631,"spans":1632,"direction":1037},"Bleibt bei seiner regionalen Filialbank; Zins wurde im Betrachtungszeitraum nur dreimal angepasst",[],{"key":1634,"type":1562,"content":1635},"30b178d5-c75b-48e1-8b6e-5eb8839e1609",[1636],{"type":1034,"text":1637,"spans":1638,"direction":1037},"Höchste Kundentreue, aber besonders geringe Nutzung attraktiverer Zinsangebote",[],"basic_table$6310457d-71e9-4fbf-9915-766699d7f586","basic_table",{"variation":1057,"version":1058,"items":1642,"primary":1643,"id":1682,"slice_type":1106,"slice_label":5},[],{"text":1644,"chart_alt":5},[1645,1648,1651,1654,1657,1660,1663,1676,1679],{"type":1063,"text":1646,"spans":1647,"direction":1037},"Wechselbereitschaft zahlt sich aus",[],{"type":1034,"text":1649,"spans":1650,"direction":1037},"Die Unterschiede bei den Zinserträgen sind eklatant.",[],{"type":1034,"text":1652,"spans":1653,"direction":1037},"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":1034,"text":1655,"spans":1656,"direction":1037},"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":1034,"text":1658,"spans":1659,"direction":1037},"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":1063,"text":1661,"spans":1662,"direction":1037},"Vorsicht bei Konto-Koppelung",[],{"type":1034,"text":1664,"spans":1665,"direction":1037},"Ein Selbstläufer ist Tagesgeldhopping aber nicht. Einige Banken koppeln die attraktiven Aktionszinsen inzwischen an die Eröffnung eines Girokontos oder eines Depots.",[1666,1671],{"start":1667,"end":1668,"type":1102,"data":1669},136,146,{"id":476,"type":107,"tags":1670,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"start":1672,"end":1673,"type":1102,"data":1674},158,164,{"id":141,"type":107,"tags":1675,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"type":1034,"text":1677,"spans":1678,"direction":1037},"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":1034,"text":1680,"spans":1681,"direction":1037},"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":1057,"version":1058,"items":1684,"primary":1685,"id":1811,"slice_type":1812,"slice_label":5},[],{"title":1686,"textblock":1687,"table":1699,"footnotes":1810,"primary_background":45,"primary_column_background":45,"primary_row_background":1116},"Zusammenfassung",[1688],{"type":1034,"text":1689,"spans":1690,"direction":1037},"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.",[1691,1693,1696],{"start":24,"end":1692,"type":1553},6,{"start":1694,"end":1695,"type":1553},230,267,{"start":1697,"end":1698,"type":1553},272,309,{"head":1700,"body":1740},{"rows":1701},[1702],{"key":1703,"cells":1704},"274fdecc-03a3-46c8-b1e8-e051285a12c1",[1705,1713,1718,1726,1733],{"key":1706,"type":1517,"content":1707},"aa62905e-715c-44a8-9d6f-0351f557fac3",[1708],{"type":1034,"text":1709,"spans":1710,"direction":1037},"Anlagezeitraum",[1711],{"start":24,"end":1712,"type":1553},14,{"key":1714,"type":1517,"content":1715},"bb497288-d069-4f33-8a8a-2668f731f812",[1716],{"type":1034,"text":1499,"spans":1717,"direction":1037},[],{"key":1719,"type":1517,"content":1720},"d7a96432-ccb4-4b8d-908d-a29a25302b94",[1721],{"type":1034,"text":1722,"spans":1723,"direction":1037},"Hannah 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erklärt.",{"dimensions":3715,"alt":1893,"copyright":1044,"url":3716,"id":1917,"edit":3717},{"width":1111,"height":1112},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMkuNmGNHVfTPRJD_33d844fca9ce204a9b3caff50850fd9de34ea4b5-staatliche_foerderungen.jpg?auto=format%2Ccompress&rect=0%2C0%2C221%2C116&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":342,"uid":347,"url":348,"type":319,"href":3719,"tags":3720,"first_publication_date":345,"last_publication_date":346,"slugs":3721,"linked_documents":3722,"lang":13,"alternate_languages":3723,"data":3724},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aoLg8BEAACwAg_On%22%29+%5D%5D",[],[344],[],[],{"publication_date":3725,"last_edit_date":3725,"set_last_edit_date_today":45,"title":3726,"subtitle":3727,"breadcrumb_title":5,"topic":3728,"teaser":3731,"author":3735,"cover":3743,"cover_position":1048,"table_of_content":1049,"toc_calculator":1050,"toc_selection":1051,"carousel_topic_filter":3751,"slices":3754,"meta_title":5,"meta_description":5,"meta_image":4281,"meta_indexed":1116},"2026-08-17","Frühstart-Rente: So funktioniert die neue Altersvorsorge für Kinder","Wer die staatliche Förderung erhält und was Eltern jetzt wissen sollten",{"id":1025,"type":1026,"tags":3729,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":3730,"isBroken":45},[],"5f54ec78-a1e2-4629-8359-14b996b5cc49",[3732],{"type":1034,"text":3733,"spans":3734,"direction":1037},"Mit der Frühstart-Rente will der Staat Kindern einen frühen Einstieg in die private Altersvorsorge ermöglichen. Geplant sind zehn Euro pro Monat, die langfristig am Kapitalmarkt angelegt werden. Wir erklären, wer gefördert wird, wann die ersten Zahlungen starten und welches Vermögen daraus bis zum Rentenalter entstehen kann.",[],{"id":3736,"type":1460,"tags":3737,"lang":13,"slug":3738,"first_publication_date":3739,"last_publication_date":3740,"uid":3741,"link_type":43,"key":3742,"isBroken":45},"aoLhXBEAAC4Ag_Rr",[],"beate-balke","2026-08-17T10:25:19+0000","2026-08-17T10:25:33+0000","beate-bbalke","636cf93d-7694-41fa-b93e-e2daf9397711",{"dimensions":3744,"alt":3745,"copyright":3746,"url":3747,"id":3748,"edit":3749},{"width":1468,"height":1041},"Vier Kinder spielen gemeinsam zwischen Bäumen in einem sonnigen Wald","Jacob Lund, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002F1HafL2qctkE9WTb3_Vier-Kinder-im-Wald.png?auto=format%2Ccompress&rect=38%2C0%2C1124%2C749&w=1200&h=800","1HafL2qctkE9WTb3",{"x":3750,"y":24,"zoom":25,"background":26},38,{"id":1025,"type":1026,"tags":3752,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":3753,"isBroken":45},[],"008844f2-f36e-405b-b946-2dff0dfecba4",[3755,3941,4102],{"variation":1057,"version":1058,"items":3756,"primary":3757,"id":3940,"slice_type":1106,"slice_label":5},[],{"text":3758,"chart_alt":5},[3759,3762,3768,3770,3773,3779,3783,3787,3790,3797,3803,3808,3814,3817,3820,3825,3828,3831,3837,3843,3846,3849,3853,3857,3861,3866,3869,3872,3875,3880,3883,3888,3891,3894,3897,3909,3914,3917,3922,3925,3928,3931,3934,3937],{"type":1034,"text":3760,"spans":3761,"direction":1037},"Mit zehn Euro im Monat will der Staat Kindern künftig einen frühen Einstieg in die private Altersvorsorge ermöglichen. Das Geld wird nicht ausgezahlt, sondern langfristig am Kapitalmarkt angelegt. Dank des langen Anlagezeitraums soll so bis zum Rentenalter ein deutlich größeres Vorsorgevermögen entstehen.",[],{"type":1034,"text":3763,"spans":3764,"direction":1037},"Das Bundeskabinett hat den Gesetzentwurf zur Einführung der Frühstart-Rente am 12. August 2026 beschlossen. Damit ist die Frühstart-Rente politisch einen wichtigen Schritt weiter, endgültig Gesetz ist sie allerdings noch nicht. Bundestag und Bundesrat müssen sich noch mit dem Vorhaben befassen. Das Gesetzgebungsverfahren soll nach den Plänen der Bundesregierung bis Ende 2026 abgeschlossen werden.",[3765],{"start":3766,"end":3767,"type":1553},79,94,{"type":1034,"text":1499,"spans":3769,"direction":1037},[],{"type":1063,"text":3771,"spans":3772,"direction":1037},"Das Wichtigste zur Frühstart-Rente",[],{"type":3774,"text":3775,"spans":3776,"direction":1037},"list-item","Der Staat zahlt 10 Euro pro Monat für jedes anspruchsberechtigte Kind.",[3777],{"start":1552,"end":3778,"type":1553},33,{"type":3774,"text":3780,"spans":3781,"direction":1037},"Gefördert wird grundsätzlich vom 6. bis zum 18. Lebensjahr.",[3782],{"start":3778,"end":3056,"type":1553},{"type":3774,"text":3784,"spans":3785,"direction":1037},"Die Förderung ist unabhängig vom Einkommen der Eltern.",[3786],{"start":1556,"end":3163,"type":1553},{"type":3774,"text":3788,"spans":3789,"direction":1037},"Die Eltern können ein geeignetes Altersvorsorgedepot für ihr Kind eröffnen.",[],{"type":3774,"text":3791,"spans":3792,"direction":1037},"Wird kein Depot eröffnet, legt der Staat das Geld kollektiv am Kapitalmarkt an.",[3793],{"start":3794,"end":1100,"type":1102,"data":3795},10,{"id":141,"type":107,"tags":3796,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"type":3774,"text":3798,"spans":3799,"direction":1037},"Die Frühstart-Rente startet mit dem Geburtsjahrgang 2020. Die Förderung für diesen Jahrgang wird für 2026 rückwirkend gewährt.",[3800],{"start":3801,"end":3802,"type":1553},36,56,{"type":3774,"text":3804,"spans":3805,"direction":1037},"Die regulären Einzahlungen sollen ab 2027 beginnen.",[3806],{"start":3807,"end":2143,"type":1553},34,{"type":3774,"text":3809,"spans":3810,"direction":1037},"Das geförderte Geld ist grundsätzlich bis zum 65. Lebensjahr gebunden.",[3811],{"start":3812,"end":3813,"type":1553},46,60,{"type":1063,"text":3815,"spans":3816,"direction":1037},"Frühstart-Rente beschlossen – aber noch nicht endgültig Gesetz",[],{"type":1034,"text":3818,"spans":3819,"direction":1037},"Das Bundeskabinett hat am 12. August 2026 den Regierungsentwurf für das Frühstartrentengesetz beschlossen. Von einem bereits vollständig abgeschlossenen Gesetzgebungsverfahren kann deshalb noch nicht gesprochen werden.",[],{"type":1034,"text":3821,"spans":3822,"direction":1037},"Geplant ist, das parlamentarische Verfahren noch im Jahr 2026 abzuschließen und das Gesetz zum 1. Januar 2027 in Kraft treten zu lassen. Die ersten staatlichen Zahlungen sollen dann 2027 erfolgen. Für Kinder des Geburtsjahrgangs 2020 wird die Förderung rückwirkend für das Jahr 2026 berücksichtigt.",[3823],{"start":3824,"end":1489,"type":1553},95,{"type":1034,"text":3826,"spans":3827,"direction":1037},"Für Eltern bedeutet das: Sie müssen derzeit noch kein Depot eröffnen. Erst wenn das Gesetz verabschiedet und die technische Umsetzung abgeschlossen ist, kann die Frühstart-Rente praktisch starten.",[],{"type":1063,"text":3829,"spans":3830,"direction":1037},"Wer bekommt die Frühstart-Rente?",[],{"type":1034,"text":3832,"spans":3833,"direction":1037},"Grundsätzlich soll der Bund für Kinder und Jugendliche vom vollendeten sechsten bis zum vollendeten 18. Lebensjahr monatlich zehn Euro einzahlen. Voraussetzung ist nach dem aktuellen Regierungsentwurf ein erster Wohnsitz in Deutschland. Das Einkommen oder Vermögen der Eltern spielt keine Rolle.",[3834],{"start":3835,"end":3836,"type":1553},205,235,{"type":1034,"text":3838,"spans":3839,"direction":1037},"Allerdings werden nicht sofort sämtliche Kinder zwischen sechs und 18 Jahren einbezogen. Die Frühstart-Rente wird jahrgangsweise eingeführt.",[3840],{"start":3841,"end":3842,"type":1553},114,139,{"type":1034,"text":3844,"spans":3845,"direction":1037},"Den Anfang machen die Kinder des Geburtsjahrgangs 2020. Anschließend kommt Jahr für Jahr der jeweils neue Jahrgang der Sechsjährigen hinzu. ",[],{"type":1034,"text":3847,"spans":3848,"direction":1037},"Für frühere Geburtsjahrgänge der unter 18-Jährigen können ebenfalls Verträge geschlossen werden, jedoch ohne staatliche Zuwendungen.",[],{"type":3850,"text":3851,"spans":3852,"direction":1037},"heading3","So ist die Einführung geplant",[],{"type":1034,"text":3854,"spans":3855,"direction":1037},"2026: Der Geburtsjahrgang 2020 erhält rückwirkend Anspruch auf die Förderung.",[3856],{"start":24,"end":1752,"type":1553},{"type":1034,"text":3858,"spans":3859,"direction":1037},"2027: Die tatsächlichen Zahlungen beginnen. Neben dem Jahrgang 2020 wird der Geburtsjahrgang 2021 einbezogen.",[3860],{"start":24,"end":1752,"type":1553},{"type":1034,"text":3862,"spans":3863,"direction":1037},"Ab 2028: Jedes Jahr kommt der nächste Geburtsjahrgang hinzu.",[3864],{"start":24,"end":3865,"type":1553},8,{"type":1034,"text":3867,"spans":3868,"direction":1037},"Dadurch wächst die Zahl der geförderten Kinder schrittweise.",[],{"type":1063,"text":3870,"spans":3871,"direction":1037},"Wie viel Geld zahlt der Staat?",[],{"type":1034,"text":3873,"spans":3874,"direction":1037},"Die staatliche Förderung beträgt:",[],{"type":1034,"text":3876,"spans":3877,"direction":1037},"10 Euro pro Monat beziehungsweise 120 Euro pro Jahr.",[3878],{"start":24,"end":3879,"type":1553},52,{"type":1034,"text":3881,"spans":3882,"direction":1037},"Über die maximale Förderzeit von zwölf Jahren summieren sich die reinen staatlichen Einzahlungen damit auf:",[],{"type":1034,"text":3884,"spans":3885,"direction":1037},"10 Euro × 12 Monate × 12 Jahre = 1.440 Euro.",[3886],{"start":24,"end":3887,"type":1553},44,{"type":1034,"text":3889,"spans":3890,"direction":1037},"Der entscheidende Punkt der Frühstart-Rente ist allerdings nicht die Höhe der Einzahlung allein. Das Geld soll über Jahrzehnte am Kapitalmarkt investiert bleiben und dadurch vom Zinseszinseffekt profitieren.",[],{"type":1063,"text":3892,"spans":3893,"direction":1037},"Aus 1.440 Euro können laut Bundesregierung rund 53.000 Euro werden",[],{"type":1034,"text":3895,"spans":3896,"direction":1037},"Das Bundesfinanzministerium zeigt in einer Beispielrechnung, wie stark sich der lange Anlagehorizont auswirken könnte.",[],{"type":1034,"text":3898,"spans":3899,"direction":1037},"Unterstellt wird dabei eine durchschnittliche Wertentwicklung von 7 Prozent pro Jahr. Aus den staatlichen Einzahlungen von insgesamt 1.440 Euro würden demnach bis zum 18. Geburtstag rund 2.200 Euro. Bleibt dieses Geld anschließend bis zum Alter von 65 Jahren investiert, könnten daraus rund 53.000 Euro werden.",[3900,3903,3906],{"start":3901,"end":3902,"type":1553},66,84,{"start":3904,"end":3905,"type":1553},187,197,{"start":3907,"end":3908,"type":1553},291,302,{"type":1034,"text":3910,"spans":3911,"direction":1037},"Wichtig: Die sieben Prozent sind eine Rechenannahme und keine garantierte Rendite. Die tatsächliche Wertentwicklung kann höher oder niedriger ausfallen. Zudem handelt es sich bei den 53.000 Euro um einen nominalen Betrag. Inflation und die spätere Besteuerung der Auszahlungen sind darin nicht berücksichtigt.",[3912,3913],{"start":24,"end":3865,"type":1553},{"start":3802,"end":1574,"type":1553},{"type":3850,"text":3915,"spans":3916,"direction":1037},"Wie hoch wäre daraus die spätere Monatsrente?",[],{"type":1034,"text":3918,"spans":3919,"direction":1037},"Häufig wird aus einem Kapital von rund 53.000 Euro eine zusätzliche monatliche Altersvorsorge von etwa 200 bis 300 Euro abgeleitet. Eine feste Monatsrente garantiert die Frühstart-Rente jedoch nicht.",[3920],{"start":1575,"end":3921,"type":1553},119,{"type":1034,"text":3923,"spans":3924,"direction":1037},"Wie viel später tatsächlich monatlich zur Verfügung steht, hängt unter anderem davon ab,",[],{"type":3774,"text":3926,"spans":3927,"direction":1037},"wie lange das Kapital ausgezahlt werden soll,",[],{"type":3774,"text":3929,"spans":3930,"direction":1037},"wie sich das verbleibende Vermögen während der Auszahlungsphase entwickelt,",[],{"type":3774,"text":3932,"spans":3933,"direction":1037},"welche Kosten anfallen und",[],{"type":3774,"text":3935,"spans":3936,"direction":1037},"wie die Leistungen steuerlich behandelt werden.",[],{"type":1034,"text":3938,"spans":3939,"direction":1037},"Die 53.000 Euro aus der Beispielrechnung sind deshalb aussagekräftiger als die Umrechnung in eine vermeintlich sichere monatliche Rente.",[],"text_block$944567b9-348e-4e35-9c07-8b366efc8461",{"variation":1057,"version":1058,"items":3942,"primary":3943,"id":4101,"slice_type":1812,"slice_label":5},[],{"title":3944,"textblock":3945,"table":3957,"footnotes":4097,"primary_background":45,"primary_column_background":1116,"primary_row_background":1116},"Eltern können zusätzlich einzahlen",[3946,3949,3954],{"type":1034,"text":3947,"spans":3948,"direction":1037},"Die staatlichen zehn Euro müssen nicht die einzige Einzahlung bleiben. Eltern oder andere Personen können das Vorsorgedepot zusätzlich besparen.",[],{"type":1034,"text":3950,"spans":3951,"direction":1037},"Nach dem Regierungsentwurf sind private Zuzahlungen von bis zu 6.840 Euro pro Jahr möglich.",[3952],{"start":1559,"end":3953,"type":1553},82,{"type":1034,"text":3955,"spans":3956,"direction":1037},"Welchen Effekt zusätzliche Sparbeträge haben können, zeigt ebenfalls eine Modellrechnung des Bundesfinanzministeriums:",[],{"head":3958,"body":3987},{"rows":3959},[3960],{"key":3961,"cells":3962},"e28bc612-79ba-4c04-a6cf-1fe309df13fc",[3963,3969,3975,3981],{"key":3964,"type":1517,"content":3965},"f1bc83dc-c5d3-4562-9f61-62df33618ec2",[3966],{"type":1034,"text":3967,"spans":3968,"direction":1037},"Zusätzliche Einzahlung der Eltern",[],{"key":3970,"type":1517,"content":3971},"2fe9a12c-2bdf-4b57-bd8f-0dac489a3193",[3972],{"type":1034,"text":3973,"spans":3974,"direction":1037},"Einzahlungen bis 18",[],{"key":3976,"type":1517,"content":3977},"8a7c872d-7801-4d17-a6c4-c03a06472748",[3978],{"type":1034,"text":3979,"spans":3980,"direction":1037},"Modellwert mit 18",[],{"key":3982,"type":1517,"content":3983},"30ffa89f-4573-4719-8b49-5e3c34362255",[3984],{"type":1034,"text":3985,"spans":3986,"direction":1037},"Modellwert mit 65",[],{"rows":3988},[3989,4016,4043,4070],{"key":3990,"cells":3991},"159dc215-c1ae-4cb9-8ec3-405ee4dd49c6",[3992,3998,4004,4010],{"key":3993,"type":1562,"content":3994},"abf444d9-d642-4796-87e7-9bf9f2f42b76",[3995],{"type":1034,"text":3996,"spans":3997,"direction":1037},"0 € monatlich",[],{"key":3999,"type":1562,"content":4000},"0df28f3c-5fcd-4f64-b382-7ade381bf594",[4001],{"type":1034,"text":4002,"spans":4003,"direction":1037},"1.440 €",[],{"key":4005,"type":1562,"content":4006},"e8907d3e-b088-497b-8cdd-a7b6b3417cf0",[4007],{"type":1034,"text":4008,"spans":4009,"direction":1037},"ca. 2.200 €",[],{"key":4011,"type":1562,"content":4012},"edf5163c-2962-482d-9c3c-1b37ba4b708d",[4013],{"type":1034,"text":4014,"spans":4015,"direction":1037},"ca. 53.000 €",[],{"key":4017,"cells":4018},"a6ab571c-ca34-4e59-8977-30dd8aaf7b0e",[4019,4025,4031,4037],{"key":4020,"type":1562,"content":4021},"fb1d675b-9012-4698-9830-c284a72086eb",[4022],{"type":1034,"text":4023,"spans":4024,"direction":1037},"10 € monatlich",[],{"key":4026,"type":1562,"content":4027},"168802e4-d671-488c-83c1-e424e6060ef4",[4028],{"type":1034,"text":4029,"spans":4030,"direction":1037},"2.880 €",[],{"key":4032,"type":1562,"content":4033},"b0b3dea4-0f6e-4b62-95c2-9221fa184d58",[4034],{"type":1034,"text":4035,"spans":4036,"direction":1037},"ca. 4.400 €",[],{"key":4038,"type":1562,"content":4039},"8908ff56-9be8-4596-8d0d-859e3b6cae2d",[4040],{"type":1034,"text":4041,"spans":4042,"direction":1037},"ca. 107.000 €",[],{"key":4044,"cells":4045},"838d647c-9628-48e7-9b16-3af1d927c668",[4046,4052,4058,4064],{"key":4047,"type":1562,"content":4048},"aab6d280-f371-460d-8029-f11ee14a3004",[4049],{"type":1034,"text":4050,"spans":4051,"direction":1037},"20 € monatlich",[],{"key":4053,"type":1562,"content":4054},"ee96fcef-2a93-4c97-bb9d-50dc17f028d1",[4055],{"type":1034,"text":4056,"spans":4057,"direction":1037},"4.320 €",[],{"key":4059,"type":1562,"content":4060},"830c87bf-d3b8-4143-a0aa-82513c5d9972",[4061],{"type":1034,"text":4062,"spans":4063,"direction":1037},"ca. 6.600 €",[],{"key":4065,"type":1562,"content":4066},"b500f1da-a457-463f-842d-5a73e8dcfb8d",[4067],{"type":1034,"text":4068,"spans":4069,"direction":1037},"ca. 160.000 €",[],{"key":4071,"cells":4072},"8673125d-74c4-4031-b67c-6ae8da3b9859",[4073,4079,4085,4091],{"key":4074,"type":1562,"content":4075},"afe908ab-077b-4cf7-b129-3e293b6407a9",[4076],{"type":1034,"text":4077,"spans":4078,"direction":1037},"50 € monatlich",[],{"key":4080,"type":1562,"content":4081},"38311c62-2b90-4568-bd88-2a42034e7e45",[4082],{"type":1034,"text":4083,"spans":4084,"direction":1037},"8.640 €",[],{"key":4086,"type":1562,"content":4087},"c505823a-3e1c-40b4-af7f-2574d199c88b",[4088],{"type":1034,"text":4089,"spans":4090,"direction":1037},"ca. 13.300 €",[],{"key":4092,"type":1562,"content":4093},"b1b16239-1ea3-4899-89f1-44feada66df4",[4094],{"type":1034,"text":4095,"spans":4096,"direction":1037},"ca. 320.000 €",[],[4098],{"type":1034,"text":4099,"spans":4100,"direction":1037},"Auch diese Werte basieren auf einer angenommenen durchschnittlichen Wertentwicklung von sieben Prozent pro Jahr und sind nicht garantiert.",[],"table$eaceff8e-d1b2-4ffc-a59c-4405a16b3a8a",{"variation":1057,"version":1058,"items":4103,"primary":4104,"id":4280,"slice_type":1106,"slice_label":5},[],{"text":4105,"chart_alt":5},[4106,4109,4115,4118,4123,4128,4131,4134,4137,4140,4149,4152,4155,4161,4164,4167,4170,4176,4179,4182,4185,4188,4191,4194,4197,4200,4203,4206,4209,4212,4215,4218,4221,4224,4227,4230,4233,4236,4239,4242,4245,4248,4251,4254,4262,4265,4268,4271,4274],{"type":1063,"text":4107,"spans":4108,"direction":1037},"Wie wird das Geld der Frühstart-Rente angelegt?",[],{"type":1034,"text":4110,"spans":4111,"direction":1037},"Für die individuelle Frühstart-Rente sollen nicht beliebige Depots genutzt werden können. Vorgesehen sind zertifizierte Standarddepot-Verträge der privaten Altersvorsorge. Diese Produkte sollen einfach aufgebaut sein und langfristige Kapitalmarktanlagen ermöglichen.",[4112],{"start":4113,"end":4114,"type":1553},106,170,{"type":1034,"text":4116,"spans":4117,"direction":1037},"Der Staat macht dabei Vorgaben zu den Kosten:",[],{"type":3774,"text":4119,"spans":4120,"direction":1037},"Die Effektivkosten dürfen in der Ansparphase maximal 1 Prozent betragen.",[4121],{"start":3467,"end":4122,"type":1553},62,{"type":3774,"text":4124,"spans":4125,"direction":1037},"Bis zur Volljährigkeit dürfen keine Abschluss- und Vertriebskosten verlangt werden.",[4126],{"start":4127,"end":3901,"type":1553},30,{"type":1034,"text":4129,"spans":4130,"direction":1037},"Eine klassische Kapitalgarantie ist nicht vorgesehen. Das Geld kann deshalb stärker in chancenorientierte Anlagen wie Aktien und Aktienfonds investiert werden. Entsprechend sind Wertschwankungen möglich.",[],{"type":1034,"text":4132,"spans":4133,"direction":1037},"Gerade der lange Zeitraum bis zum Rentenalter soll dabei helfen, kurzfristige Schwankungen auszugleichen und langfristige Renditechancen zu nutzen.",[],{"type":1063,"text":4135,"spans":4136,"direction":1037},"Was passiert, wenn die Eltern kein Depot eröffnen?",[],{"type":1034,"text":4138,"spans":4139,"direction":1037},"Kein Kind soll die staatliche Förderung verlieren, nur weil die Eltern kein Altersvorsorgedepot auswählen.",[],{"type":1034,"text":4141,"spans":4142,"direction":1037},"Wird kein individueller Vertrag abgeschlossen, fließen die staatlichen Beiträge in eine kollektive Kapitalanlage. Dafür soll ein staatliches Sondervermögen eingerichtet werden, das von der Deutschen Bundesbank verwaltet wird.",[4143,4146],{"start":4144,"end":4145,"type":1553},88,112,{"start":4147,"end":4148,"type":1553},189,209,{"type":1034,"text":4150,"spans":4151,"direction":1037},"Das Geld soll dabei global diversifiziert und vor allem in Aktien beziehungsweise Aktienfonds investiert werden.",[],{"type":1034,"text":4153,"spans":4154,"direction":1037},"Die kollektive Anlage beginnt zeitversetzt. Eltern erhalten zunächst ausreichend Gelegenheit, selbst einen individuellen Vertrag für ihr Kind abzuschließen.",[],{"type":1034,"text":4156,"spans":4157,"direction":1037},"Später kann der persönliche Anteil aus dem staatlich verwalteten Vermögen in einen individuellen Altersvorsorgevertrag übertragen werden. Nach dem aktuellen Entwurf ist dieser Abruf bis zum vollendeten 35. Lebensjahr möglich.",[4158],{"start":4159,"end":4160,"type":1553},182,216,{"type":1063,"text":4162,"spans":4163,"direction":1037},"Was passiert mit dem Depot ab dem 18. Geburtstag?",[],{"type":1034,"text":4165,"spans":4166,"direction":1037},"Mit der Volljährigkeit endet die staatliche Einzahlung von zehn Euro pro Monat. Das angesparte Kapital bleibt jedoch für die Altersvorsorge erhalten.",[],{"type":1034,"text":4168,"spans":4169,"direction":1037},"Das vorhandene Standarddepot kann im Rahmen der steuerlich geförderten privaten Altersvorsorge weitergeführt und mit eigenen Beiträgen bespart werden. Alternativ kann das angesparte Startkapital auf einen anderen förderfähigen Altersvorsorgevertrag übertragen werden.",[],{"type":1034,"text":4171,"spans":4172,"direction":1037},"Eine freie Auszahlung mit 18 Jahren ist dagegen nicht vorgesehen. Das geförderte Kapital soll grundsätzlich erst ab dem 65. Lebensjahr verfügbar sein.",[4173],{"start":4174,"end":4175,"type":1553},108,134,{"type":1034,"text":4177,"spans":4178,"direction":1037},"Damit unterscheidet sich die Frühstart-Rente deutlich von einem klassischen Kinderdepot: Das Geld ist ausdrücklich für die Altersvorsorge bestimmt und kann nicht mit 18 beispielsweise für Studium, Führerschein oder die erste Wohnung verwendet werden.",[],{"type":1063,"text":4180,"spans":4181,"direction":1037},"Wie werden Erträge aus der Frühstart-Rente besteuert?",[],{"type":1034,"text":4183,"spans":4184,"direction":1037},"Während der Ansparphase bleiben die Erträge steuerfrei. Steuern sollen grundsätzlich erst später bei der Auszahlung im Rentenalter anfallen. Man spricht von einer nachgelagerten Besteuerung.",[],{"type":1034,"text":4186,"spans":4187,"direction":1037},"Dadurch können während der jahrzehntelangen Ansparphase auch Erträge weiter investiert werden, die bei einem normalen Wertpapierdepot möglicherweise bereits besteuert würden.",[],{"type":1063,"text":4189,"spans":4190,"direction":1037},"Checkliste: Was Eltern zur Frühstart-Rente wissen sollten",[],{"type":3850,"text":4192,"spans":4193,"direction":1037},"1. Prüfen, wann das eigene Kind an der Reihe ist",[],{"type":3774,"text":4195,"spans":4196,"direction":1037},"Geburtsjahr des Kindes prüfen.",[],{"type":3774,"text":4198,"spans":4199,"direction":1037},"Der erste geförderte Jahrgang ist 2020.",[],{"type":3774,"text":4201,"spans":4202,"direction":1037},"Danach kommt jedes Jahr ein weiterer Jahrgang hinzu.",[],{"type":3774,"text":4204,"spans":4205,"direction":1037},"Voraussetzung ist nach aktuellem Regierungsentwurf ein erster Wohnsitz in Deutschland.",[],{"type":3850,"text":4207,"spans":4208,"direction":1037},"2. Noch auf den Abschluss des Gesetzgebungsverfahrens warten",[],{"type":3774,"text":4210,"spans":4211,"direction":1037},"Der Regierungsentwurf wurde am 12. August 2026 vom Bundeskabinett beschlossen.",[],{"type":3774,"text":4213,"spans":4214,"direction":1037},"Bundestag und Bundesrat müssen sich noch mit dem Gesetz befassen.",[],{"type":3774,"text":4216,"spans":4217,"direction":1037},"Die praktische Umsetzung soll ab 2027 beginnen.",[],{"type":3850,"text":4219,"spans":4220,"direction":1037},"3. Individuelles Vorsorgedepot prüfen",[],{"type":3774,"text":4222,"spans":4223,"direction":1037},"Sobald entsprechende Produkte angeboten werden, Konditionen verschiedener Anbieter vergleichen.",[],{"type":3774,"text":4225,"spans":4226,"direction":1037},"Nur geeignete und zertifizierte Standarddepot-Verträge kommen für die staatliche Förderung infrage.",[],{"type":3774,"text":4228,"spans":4229,"direction":1037},"Auf Kosten, Anlagestrategie und langfristige Renditechancen achten.",[],{"type":3850,"text":4231,"spans":4232,"direction":1037},"4. Eigene Zuzahlungen überlegen",[],{"type":3774,"text":4234,"spans":4235,"direction":1037},"Prüfen, ob zusätzlich zu den zehn Euro des Staates eigenes Geld eingezahlt werden soll.",[],{"type":3774,"text":4237,"spans":4238,"direction":1037},"Bereits kleinere monatliche Beträge können durch den langen Anlagezeitraum einen erheblichen Unterschied machen.",[],{"type":3774,"text":4240,"spans":4241,"direction":1037},"Private Zuzahlungen sind nach aktuellem Stand bis 6.840 Euro pro Jahr möglich.",[],{"type":3850,"text":4243,"spans":4244,"direction":1037},"5. Kein Depot eröffnet? Die Förderung geht nicht verloren",[],{"type":3774,"text":4246,"spans":4247,"direction":1037},"Ohne individuelle Entscheidung wird das Geld kollektiv angelegt.",[],{"type":3774,"text":4249,"spans":4250,"direction":1037},"Die Deutsche Bundesbank soll die staatliche Kapitalanlage verwalten.",[],{"type":3774,"text":4252,"spans":4253,"direction":1037},"Der individuelle Anteil kann später in einen persönlichen Altersvorsorgevertrag übertragen werden.",[],{"type":3774,"text":4255,"spans":4256,"direction":1037},"Tipp: In unserem Depot-Vergleich können Sie sich einen Überblick zu vielen Anbietern verschaffen.",[4257,4258,4261],{"start":24,"end":1752,"type":1553},{"start":1555,"end":1559,"type":1102,"data":4259},{"id":141,"type":107,"tags":4260,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"start":1555,"end":1559,"type":1553},{"type":1063,"text":4263,"spans":4264,"direction":1037},"Fazit: Die zehn Euro sind vor allem der Startschuss",[],{"type":1034,"text":4266,"spans":4267,"direction":1037},"Zehn Euro im Monat wirken zunächst nicht wie ein großer Beitrag zur Altersvorsorge. Über zwölf Jahre zahlt der Staat schließlich lediglich 1.440 Euro ein. Der eigentliche Vorteil der Frühstart-Rente liegt jedoch im ungewöhnlich langen Anlagehorizont.",[],{"type":1034,"text":4269,"spans":4270,"direction":1037},"Wer bereits im Kindesalter investiert und das Kapital bis zum Rentenalter arbeiten lässt, kann über Jahrzehnte vom Zinseszinseffekt profitieren. Genau das zeigt die Modellrechnung des Bundesfinanzministeriums: Aus 1.440 Euro staatlicher Förderung könnten bei einer durchschnittlichen Wertentwicklung von sieben Prozent rund 53.000 Euro werden. Eine Garantie dafür gibt es allerdings nicht.",[],{"type":1034,"text":4272,"spans":4273,"direction":1037},"Noch interessanter wird das Modell, wenn Eltern das staatliche Startkapital durch eigene regelmäßige Einzahlungen ergänzen. Die Frühstart-Rente kann dadurch nicht nur einen ersten Grundstock für die Altersvorsorge bilden, sondern Eltern und Kinder früh an einen langfristigen Vermögensaufbau über den Kapitalmarkt heranführen.",[],{"type":1034,"text":4275,"spans":4276,"direction":1037},"Vorerst gilt allerdings: Der Gesetzentwurf ist beschlossen, die Frühstart-Rente selbst noch nicht endgültig Gesetz. Erst nach Abschluss des parlamentarischen Verfahrens steht fest, ob alle derzeit vorgesehenen Regeln tatsächlich genauso umgesetzt werden. Nach dem aktuellen Zeitplan soll das Gesetz zum 1. Januar 2027 in Kraft treten und die Förderung für den Geburtsjahrgang 2020 rückwirkend für 2026 gewährt werden.",[4277],{"start":4278,"end":4279,"type":1553},25,115,"text_block$42c426ff-f94e-435a-a65f-f71195fefeac",{},{"id":353,"uid":358,"url":359,"type":319,"href":4283,"tags":4284,"first_publication_date":356,"last_publication_date":357,"slugs":4285,"linked_documents":4286,"lang":13,"alternate_languages":4287,"data":4288},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ad5OIBIAACMAN7qY%22%29+%5D%5D",[],[355],[],[],{"publication_date":4289,"last_edit_date":4289,"set_last_edit_date_today":45,"title":361,"subtitle":4290,"breadcrumb_title":5,"topic":4291,"teaser":4294,"author":4303,"cover":4310,"cover_position":1048,"table_of_content":1049,"toc_calculator":1050,"toc_selection":1919,"carousel_topic_filter":4318,"slices":4321,"meta_title":4500,"meta_description":4501,"meta_image":4502,"meta_indexed":1116},"2026-04-14","Entspannt investieren und langfristig profitieren",{"id":1025,"type":1026,"tags":4292,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4293,"isBroken":45},[],"f77656ba-3116-4dd7-b019-6a450e9aab76",[4295],{"type":1034,"text":4296,"spans":4297,"direction":1037},"Regelmäßig investieren, flexibel bleiben und langfristig Vermögen aufbauen – Sparpläne sind dafür ideal. Auch Robo-Advisor bieten entsprechende Lösungen. Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche analysiert, welche Anbieter 2026 mit den besten Sparplan-Angeboten überzeugen. ",[4298],{"start":4299,"end":4300,"type":1102,"data":4301},196,212,{"link_type":49,"url":4302,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Fdigitale-vermoegensverwalter-im-vergleich-die-besten-robo-advisor-fuer-sparer\u002F100213229.html",{"id":4304,"type":1460,"tags":4305,"lang":13,"slug":4306,"first_publication_date":4307,"last_publication_date":4308,"uid":4306,"link_type":43,"key":4309,"isBroken":45},"aPYnVBAAACMArrKx",[],"carlos-lopes-da-costa","2025-10-20T12:18:17+0000","2025-11-05T14:13:24+0000","0049b39d-d493-4e8a-8bef-3e49f5cbf464",{"dimensions":4311,"alt":4314,"copyright":3746,"url":4315,"id":4316,"edit":4317},{"width":4312,"height":4313},1500,1000,"Modisches weibliches Model in einem silbernen Kleid, Sonnenbrille und Kopfhörer","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Fad5Sf51ZCF7ETLuC_Frau-Silber-Brille-Headphones.jpg?auto=format,compress","ad5Sf51ZCF7ETLuC",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":4319,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4320,"isBroken":45},[],"d63ecb18-18b6-411a-a669-61a25df22af7",[4322],{"variation":1057,"version":1058,"items":4323,"primary":4324,"id":4499,"slice_type":1106,"slice_label":5},[],{"text":4325,"chart_alt":5},[4326,4329,4332,4335,4337,4340,4343,4346,4348,4351,4354,4356,4359,4361,4364,4372,4375,4377,4380,4383,4386,4389,4391,4394,4396,4399,4404,4406,4410,4414,4418,4422,4424,4427,4430,4432,4435,4441,4443,4446,4449,4453,4457,4459,4462,4465,4467,4470,4473,4476,4478,4481,4484,4487,4490,4497],{"type":1063,"text":4327,"spans":4328,"direction":1037},"Warum Sparpläne so beliebt sind",[],{"type":1034,"text":4330,"spans":4331,"direction":1037},"Sparpläne auf Fonds und ETFs gehören zu den einfachsten Wegen, langfristig Vermögen aufzubauen. Schon mit kleinen monatlichen Beträgen können Anleger regelmäßig investieren und von den Entwicklungen an den Kapitalmärkten profitieren.",[],{"type":1034,"text":4333,"spans":4334,"direction":1037},"Ein großer Vorteil: Die Sparrate lässt sich jederzeit anpassen. Dadurch bleibt die Geldanlage flexibel – auch wenn sich die persönliche finanzielle Situation verändert.",[],{"type":1034,"text":1499,"spans":4336,"direction":1037},[],{"type":1063,"text":4338,"spans":4339,"direction":1037},"Robo-Advisor setzen verstärkt auf Sparpläne",[],{"type":1034,"text":4341,"spans":4342,"direction":1037},"Digitale Vermögensverwalter haben Sparpläne längst in ihre Strategien integriert. Anleger investieren nicht nur einmalig, sondern besparen komplette Portfolios. Automatisiert und passend zum eigenen Risikoprofil.",[],{"type":1034,"text":4344,"spans":4345,"direction":1037},"Zur Auswahl stehen in der Regel:",[],{"type":1034,"text":1499,"spans":4347,"direction":1037},[],{"type":3774,"text":4349,"spans":4350,"direction":1037},"Klassische Strategien mit Fokus auf Rendite ",[],{"type":3774,"text":4352,"spans":4353,"direction":1037},"Nachhaltige Strategien mit ESG-Ausrichtung ",[],{"type":1034,"text":1499,"spans":4355,"direction":1037},[],{"type":1034,"text":4357,"spans":4358,"direction":1037},"Je nach Anlageziel wird das Kapital unterschiedlich auf Aktien, Anleihen und weitere Anlageklassen verteilt.",[],{"type":1034,"text":1499,"spans":4360,"direction":1037},[],{"type":1063,"text":4362,"spans":4363,"direction":1037},"So wurde bewertet",[],{"type":1034,"text":4365,"spans":4366,"direction":1037},"Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche 18 Robo-Advisor analysiert.",[4367],{"start":4368,"end":4369,"type":1102,"data":4370},59,85,{"link_type":49,"url":4371,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-robo-advisor-mit-sparplan",{"type":1034,"text":4373,"spans":4374,"direction":1037},"Bewertet wurden:",[],{"type":1034,"text":1499,"spans":4376,"direction":1037},[],{"type":3774,"text":4378,"spans":4379,"direction":1037},"Performance der Strategien für das Jahr 2025 ",[],{"type":3774,"text":4381,"spans":4382,"direction":1037},"Höhe der Mindestsparrate ",[],{"type":3774,"text":4384,"spans":4385,"direction":1037},"Servicegebühren ",[],{"type":3774,"text":4387,"spans":4388,"direction":1037},"Möglichkeit von Kindersparplänen ",[],{"type":1034,"text":1499,"spans":4390,"direction":1037},[],{"type":1034,"text":4392,"spans":4393,"direction":1037},"Die Auswertung erfolgte für klassische und nachhaltige Strategien mit einem Aktienanteil von 50 bis 60 Prozent.",[],{"type":1034,"text":1499,"spans":4395,"direction":1037},[],{"type":3850,"text":4397,"spans":4398,"direction":1037},"Die besten Robo-Advisor für klassische Sparpläne",[],{"type":1034,"text":4400,"spans":4401,"direction":1037},"In dieser Kategorie erhielten vier Anbieter die Bewertung „sehr gut“:",[4402],{"start":3056,"end":4403,"type":1553},68,{"type":1034,"text":1499,"spans":4405,"direction":1037},[],{"type":3774,"text":4407,"spans":4408,"direction":1037},"quirion",[4409],{"start":24,"end":1963,"type":1553},{"type":3774,"text":4411,"spans":4412,"direction":1037},"VisualVest",[4413],{"start":24,"end":3794,"type":1553},{"type":3774,"text":4415,"spans":4416,"direction":1037},"Raisin ",[4417],{"start":24,"end":1692,"type":1553},{"type":3774,"text":4419,"spans":4420,"direction":1037},"bevestor ",[4421],{"start":24,"end":3865,"type":1553},{"type":1034,"text":1499,"spans":4423,"direction":1037},[],{"type":1034,"text":4425,"spans":4426,"direction":1037},"Alle Anbieter ermöglichen den Einstieg bereits ab 25 Euro monatlich. Unterschiede zeigen sich vor allem bei Kosten und Rendite.",[],{"type":1034,"text":4428,"spans":4429,"direction":1037},"Die durchschnittliche Performance der getesteten Anbieter lag unter dem Vorjahresniveau. Insgesamt fiel die Rendite niedriger aus, blieb aber positiv.",[],{"type":1034,"text":1499,"spans":4431,"direction":1037},[],{"type":3850,"text":4433,"spans":4434,"direction":1037},"Die besten nachhaltigen Robo-Advisor",[],{"type":1034,"text":4436,"spans":4437,"direction":1037},"Auch bei nachhaltigen Strategien wurden vier Anbieter mit einem „sehr gut“ ausgezeichnet:",[4438],{"start":4439,"end":4440,"type":1553},64,74,{"type":1034,"text":1499,"spans":4442,"direction":1037},[],{"type":3774,"text":4407,"spans":4444,"direction":1037},[4445],{"start":24,"end":1963,"type":1553},{"type":3774,"text":4411,"spans":4447,"direction":1037},[4448],{"start":24,"end":3794,"type":1553},{"type":3774,"text":4450,"spans":4451,"direction":1037},"Ginmon",[4452],{"start":24,"end":1692,"type":1553},{"type":3774,"text":4454,"spans":4455,"direction":1037},"bevestor",[4456],{"start":24,"end":3865,"type":1553},{"type":1034,"text":1499,"spans":4458,"direction":1037},[],{"type":1034,"text":4460,"spans":4461,"direction":1037},"Das Angebot nachhaltiger ETFs ist in den vergangenen Jahren deutlich gewachsen. Dadurch sind nachhaltige Strategien heute häufig ähnlich kostengünstig wie klassische Varianten.",[],{"type":1034,"text":4463,"spans":4464,"direction":1037},"Die erzielten Renditen lagen im Schnitt unter denen klassischer Strategien, blieben jedoch stabil.",[],{"type":1034,"text":1499,"spans":4466,"direction":1037},[],{"type":1063,"text":4468,"spans":4469,"direction":1037},"Kindersparpläne gewinnen an Bedeutung",[],{"type":1034,"text":4471,"spans":4472,"direction":1037},"Ein wachsender Trend sind Sparpläne für Kinder. Viele Anbieter ermöglichen es, Depots auf den Namen des Kindes einzurichten und regelmäßig zu besparen.",[],{"type":1034,"text":4474,"spans":4475,"direction":1037},"Das Ziel: frühzeitig Vermögen aufbauen und langfristig vom Zinseszinseffekt profitieren.",[],{"type":1034,"text":1499,"spans":4477,"direction":1037},[],{"type":1063,"text":4479,"spans":4480,"direction":1037},"Fazit: Automatisiert investieren zahlt sich aus",[],{"type":1034,"text":4482,"spans":4483,"direction":1037},"Die Auswertung der FMH-Finanzberatung im Auftrag der WirtschaftsWoche zeigt:",[],{"type":1034,"text":4485,"spans":4486,"direction":1037},"Robo-Advisor mit Sparplanfunktion bieten eine einfache und strukturierte Möglichkeit, langfristig Vermögen aufzubauen.",[],{"type":1034,"text":4488,"spans":4489,"direction":1037},"Besonders wichtig sind neben der Performance vor allem niedrige Kosten und flexible Sparraten. Wer regelmäßig investiert und Angebote vergleicht, kann seine Rendite langfristig verbessern.",[],{"type":1034,"text":4491,"spans":4492,"direction":1037},"Der FMH-Robo-Advisor-Vergleich bietet einen transparenten Überblick über die besten Anbieter 2026.",[4493],{"start":1785,"end":4127,"type":1102,"data":4494},{"link_type":49,"url":4495,"target":4496},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Fangebote-vergleichen\u002Frobo-advisor","_self",{"type":1034,"text":1499,"spans":4498,"direction":1037},[],"text_block$d4573078-1b2d-4796-97a7-b88733c25230","Robo-Advisor 2026: Die besten Sparpläne im Test | FMH.de","Die besten Robo-Advisor 2026: FMH & WirtschaftsWoche zeigen Top-Sparpläne, Renditen & Kosten im Vergleich. Jetzt digital Vermögen aufbauen.",{},{"id":4504,"uid":1431,"url":4505,"type":319,"href":4506,"tags":4507,"first_publication_date":4508,"last_publication_date":4509,"slugs":4510,"linked_documents":4512,"lang":13,"alternate_languages":4513,"data":4514},"aV54nhEAACEA5Ann","\u002Fartikel\u002Fdie-besten-festgeldangebote-2025-12","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aV54nhEAACEA5Ann%22%29+%5D%5D",[],"2026-01-07T15:31:48+0000","2026-10-16T09:44:23+0000",[4511],"warum-festgeld-fur-sicherheitsorientierte-sparer-interessant-bleibt",[],[],{"publication_date":4515,"last_edit_date":4516,"set_last_edit_date_today":45,"title":4517,"subtitle":4518,"breadcrumb_title":5,"topic":4519,"teaser":4522,"author":4530,"cover":4533,"cover_position":1048,"table_of_content":1049,"toc_calculator":1050,"toc_selection":1919,"carousel_topic_filter":4541,"slices":4544,"meta_title":4619,"meta_description":4620,"meta_image":4621,"meta_indexed":1116},"2026-01-06","2026-01-07","Die besten Festgeldangebote","Warum warten sich nicht immer lohnt",{"id":1025,"type":1026,"tags":4520,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4521,"isBroken":45},[],"fae4629d-502f-4389-b5e0-979bc94aba58",[4523],{"type":1034,"text":4524,"spans":4525,"direction":1037},"Wer sein Geld sicher anlegen möchte und für eine gewisse Zeit darauf verzichten kann, findet im Festgeld weiterhin eine verlässliche Option. Die FMH-Finanzberatung hat im Auftrag des Handelsblatts untersucht, welche Banken aktuell die besten Festgeldkonditionen bieten – und wo sich ein genauer Blick lohnt. ",[4526],{"start":4527,"end":4299,"type":1102,"data":4528},183,{"link_type":49,"url":4529,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fanlagestrategie\u002Fzinsen-das-sind-die-aktuell-besten-festgeldangebote-01\u002F100177965.html",{"id":4304,"type":1460,"tags":4531,"lang":13,"slug":4306,"first_publication_date":4307,"last_publication_date":4308,"uid":4306,"link_type":43,"key":4532,"isBroken":45},[],"369f3243-9349-4fc1-a504-81cd07135f53",{"dimensions":4534,"alt":4536,"copyright":4537,"url":4538,"id":4539,"edit":4540},{"width":4313,"height":4535},667,"Mann schaut auf Uhr","PeopleImages, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaV578XNYClf9o3PU_Mann-schaut-auf-Uhr.png?auto=format,compress","aV578XNYClf9o3PU",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":4542,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4543,"isBroken":45},[],"0a56366b-79c6-4922-a185-8c0bb4368c64",[4545],{"variation":1057,"version":1058,"items":4546,"primary":4547,"id":4618,"slice_type":1106,"slice_label":5},[],{"text":4548,"chart_alt":5},[4549,4552,4555,4558,4561,4564,4567,4570,4573,4576,4579,4582,4585,4588,4591,4594,4597,4599,4602,4609,4612],{"type":1063,"text":4550,"spans":4551,"direction":1037},"Warum Festgeld für sicherheitsorientierte Sparer interessant bleibt ",[],{"type":1034,"text":4553,"spans":4554,"direction":1037},"Festgeldkonten zählen zu den klassischen Sparformen. Der Zinssatz wird bei Vertragsabschluss fest vereinbart und gilt über die gesamte Laufzeit. Zusätzlich greift bis zu einer Anlagesumme von 100.000 Euro pro Bank die EU-weite gesetzliche Einlagensicherung. ",[],{"type":1034,"text":4556,"spans":4557,"direction":1037},"Der größte Vorteil liegt in der Planungssicherheit. Der Nachteil: Während der Laufzeit ist das Geld nicht verfügbar. Aktuell liegen die besten Festgeldzinsen je nach Laufzeit zwischen zwei und drei Prozent pro Jahr. Damit lässt sich die Inflation zwar nicht schlagen, aber zumindest weitgehend abmildern. ",[],{"type":3850,"text":4559,"spans":4560,"direction":1037},"So wurde getestet ",[],{"type":1034,"text":4562,"spans":4563,"direction":1037},"Die FMH-Finanzberatung hat für das Handelsblatt insgesamt 57 bundesweite Anbieter analysiert. Bewertet wurde der Zinssatz einer Bank über die Laufzeiten ein, zwei und drei Jahre. ",[],{"type":1034,"text":4565,"spans":4566,"direction":1037},"Grundlage der Berechnung war eine Beispiel-Anlagesumme von 5.000 Euro. In die Auswertung flossen auch ausgewählte ausländische Banken ein, allerdings nur solche mit einem Moody’s Länderrating von mindestens A. ",[],{"type":1034,"text":4568,"spans":4569,"direction":1037},"Die Analyse zeigt: Im Vergleich zum Vorjahr sind die Festgeldzinsen gesunken. Besonders bei kurzen Laufzeiten ist der Rückgang schon spürbar, bei längeren Laufzeiten fällt er stärker aus. ",[],{"type":3850,"text":4571,"spans":4572,"direction":1037},"Die besten Festgeldanbieter im Überblick ",[],{"type":1034,"text":4574,"spans":4575,"direction":1037},"In der Auswertung erhielten sechs Anbieter die Bewertung „sehr gut“. ",[],{"type":1034,"text":4577,"spans":4578,"direction":1037},"An der Spitze steht Raisin. Hier sind, je nach Angebot, mindestens 5.000 Euro Anlagesumme erforderlich. Die Festgelder werden häufig bei Partnerbanken im EU-Ausland geführt, was höhere Zinsen ermöglicht. Wer sein Geld lieber in Deutschland anlegen möchte, findet bei der Bank11 ein attraktives Angebot. Mit einer niedrigeren Einstiegssumme überzeugt die Volkswagen Bank. Bereits ab 2.500 Euro ist ein Festgeldabschluss möglich. Ebenfalls mit „sehr gut“ ausgezeichnet wurden die J&T Direktbank, die Bigbank und die GRENKE Bank.  ",[],{"type":1034,"text":4580,"spans":4581,"direction":1037},"Je nach Laufzeit liegen die Zinsen der „sehr guten“ Anbieter zwischen 2,30 und 2,85 Prozent. ",[],{"type":3850,"text":4583,"spans":4584,"direction":1037},"Warum Details über die Zinsen hinaus wichtig sind ",[],{"type":1034,"text":4586,"spans":4587,"direction":1037},"Neben dem Zinssatz sollten Sparer auch auf die Art der Zinsgutschrift achten. Manche Banken schreiben die Zinsen jährlich gut, andere erst am Ende der Laufzeit gesammelt. ",[],{"type":1034,"text":4589,"spans":4590,"direction":1037},"Eine spätere Gutschrift kann Nachteile haben: ",[],{"type":3774,"text":4592,"spans":4593,"direction":1037},"Es entsteht kein Zinseszinseffekt. ",[],{"type":3774,"text":4595,"spans":4596,"direction":1037},"Bei höheren Beträgen können steuerliche Effekte auftreten, da der Sparerpauschbetrag von 1.000 Euro pro Jahr schneller überschritten wird, wenn mehrere Jahre Zinsen auf einmal ausgezahlt werden. ",[],{"type":1034,"text":1499,"spans":4598,"direction":1037},[],{"type":1063,"text":4600,"spans":4601,"direction":1037},"Fazit: Sicherheit ja – vergleichen unbedingt ",[],{"type":1034,"text":4603,"spans":4604,"direction":1037},"Die Auswertung der FMH-Finanzberatung für das Handelsblatt zeigt: Festgeld bleibt eine solide Option für alle, die Wert auf Sicherheit und feste Zinsen legen. Trotz gesunkener Zinsen, im Vergleich zum Vorjahr, gibt es Anbieter mit attraktiven Konditionen. ",[4605],{"start":1785,"end":4606,"type":1102,"data":4607},37,{"link_type":49,"url":4608,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-festgeldzinsen-handelsblatt",{"type":1034,"text":4610,"spans":4611,"direction":1037},"Wer Laufzeiten, Mindestanlagen, Zinsgutschrift und steuerliche Aspekte vergleicht, kann auch im aktuellen Umfeld eine passende Lösung finden. ",[],{"type":1034,"text":4613,"spans":4614,"direction":1037},"Der FMH-Festgeldvergleich bietet dafür einen transparenten Überblick über die besten Angebote. ",[4615],{"start":1785,"end":4278,"type":1102,"data":4616},{"id":119,"type":107,"tags":4617,"lang":13,"slug":110,"first_publication_date":121,"last_publication_date":122,"uid":123,"url":124,"link_type":43,"isBroken":45},[109],"text_block$359b1e91-ea75-4545-900b-eeb65c14e278","Festgeld-Vergleich 2025 – Top-Zinsen im Handelsblatt-Test","Festgeld 2025 im Vergleich: FMH & Handelsblatt zeigen die besten Zinsen, sichere Banken & wichtige Details zur Anlage. Jetzt informieren!",{"dimensions":4622,"alt":4536,"copyright":4537,"url":4623,"id":4539,"edit":4624},{"width":1111,"height":1112},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaV578XNYClf9o3PU_Mann-schaut-auf-Uhr.png?auto=format,compress&rect=0,71,1000,525&w=2400&h=1260",{"x":24,"y":1903,"zoom":25,"background":26},{"id":4626,"uid":1432,"url":4627,"type":319,"href":4628,"tags":4629,"first_publication_date":4630,"last_publication_date":4631,"slugs":4632,"linked_documents":4634,"lang":13,"alternate_languages":4635,"data":4636},"aMLyJxEAACEAiopo","\u002Fartikel\u002Fdie-besten-robo-advisor-mit-sparplan-2024-09","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyJxEAACEAiopo%22%29+%5D%5D",[366,166],"2025-11-05T15:02:25+0000","2026-07-24T08:42:06+0000",[4633],"also-was-genau-ist-ein-robo-advisor",[],[],{"publication_date":4637,"last_edit_date":4637,"set_last_edit_date_today":45,"title":4638,"subtitle":4639,"breadcrumb_title":5,"topic":4640,"teaser":4643,"author":4647,"cover":4653,"cover_position":1048,"table_of_content":1049,"toc_calculator":1050,"toc_selection":1919,"carousel_topic_filter":4659,"slices":4660,"meta_title":4714,"meta_description":4715,"meta_image":4716,"meta_indexed":1116},"2024-04-09","Die besten Robo-Advisor mit Sparplan 2024","Investieren ohne Stress: Entdecken Sie die Welt der Robo-Advisor!",{"id":1025,"type":1026,"tags":4641,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4642,"isBroken":45},[],"0def185f-835b-418d-a4de-85c6d6fdfe60",[4644],{"type":1034,"text":4645,"spans":4646,"direction":1037},"Haben Sie schon einmal von einem finanziellen Sidekick gehört, der Ihnen dabei hilft, Ihre Investitionen zu optimieren, ohne dass Sie ständig den Markt im Auge behalten müssen? Das ist genau das, was ein Robo-Advisor macht.",[],{"id":4648,"type":1460,"tags":4649,"lang":13,"slug":3738,"first_publication_date":4650,"last_publication_date":4651,"uid":3738,"link_type":43,"key":4652,"isBroken":45},"aQtX9hEAACMAT9iA",[],"2025-11-05T14:00:14+0000","2025-11-05T14:04:23+0000","ff1f1554-557b-49e1-ad13-b763ab893752",{"dimensions":4654,"alt":4655,"copyright":1044,"url":4656,"id":4657,"edit":4658},{"width":4313,"height":4535},"Mädchen mit Tablet in der Hand unterhält sich mit einem Roboter","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmSGGNHVfTPDiu_a9991083e61823633918993c87ee75ba4fea79dd-Kind-mit-Roboter.jpg?auto=format,compress","aMLmSGGNHVfTPDiu",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[4661],{"variation":1057,"version":1058,"items":4662,"primary":4663,"id":4713,"slice_type":1106,"slice_label":5},[],{"text":4664,"chart_alt":5},[4665,4668,4671,4674,4678,4682,4685,4688,4691,4694,4700,4703,4706],{"type":1063,"text":4666,"spans":4667,"direction":1037},"Also, was genau ist ein Robo-Advisor?",[],{"type":1034,"text":4669,"spans":4670,"direction":1037},"Stellen Sie ihn sich wie Ihren persönlichen Finanzberater vor, aber mit einem Twist: Er ist ein digitaler Algorithmus (in standardisierten Einzelschritten wird ein definiertes Ziel erreicht), der auf Basis Ihrer finanziellen Ziele und Risikotoleranz ein maßgeschneidertes Anlageportfolio erstellt. Klingt wie etwas aus der Zukunft? Nun, die Zukunft ist jetzt.",[],{"type":3850,"text":4672,"spans":4673,"direction":1037},"Welche Vorteile bietet ein Robo-Advisor?",[],{"type":3774,"text":4675,"spans":4676,"direction":1037},"Erstens: Bequemlichkeit.\nMit einem Robo-Advisor müssen Sie nicht Stunden damit verbringen, den Markt zu analysieren oder Investmentstrategien zu recherchieren. Sie beantworten einige Fragen online z.B. über Ihre Risikofreude und voilà, Ihr Portfolio ist erstellt.",[4677],{"start":24,"end":2665,"type":1553},{"type":3774,"text":4679,"spans":4680,"direction":1037},"Zweitens: Kosten.\nRobo-Advisor weisen in der Regel niedrigere Gebühren als traditionelle Anlageberatern auf, was bedeutet, dass ein größerer Anteil Ihres Geldes tatsächlich investiert wird, anstatt in Beratungsgebühren zu fließen.",[4681],{"start":24,"end":1552,"type":1553},{"type":3850,"text":4683,"spans":4684,"direction":1037},"Wo Licht ist, ist oft auch Schatten.",[],{"type":1034,"text":4686,"spans":4687,"direction":1037},"Einige Leute mögen es nicht, ihre Finanzen einem Algorithmus anzuvertrauen. Sie wollen die Kontrolle behalten und selbst über ihre Investitionen entscheiden oder sie suchen die persönliche Beratung. Dies ist verständlich, aber bedenken Sie: Robo-Advisor basieren auf soliden Investmentstrategien und sind besser darin, Emotionen aus dem Spiel zu lassen.",[],{"type":1063,"text":4689,"spans":4690,"direction":1037},"Warum also sollten Sie sich für einen Robo-Advisor entscheiden?",[],{"type":1034,"text":4692,"spans":4693,"direction":1037},"Nun, wenn Sie eine kostengünstige, bequeme Möglichkeit suchen, Ihr Geld anzulegen und gleichzeitig regelmäßig sparen, ist ein Robo-Advisor definitiv eine Überlegung wert. Gerade durch automatisierte Sparpläne können Sie kontinuierlich Geld investieren und von den langfristigen Renditen profitieren, ohne sich ständig damit beschäftigen zu müssen. Also lehnen Sie sich zurück, entspannen Sie sich und lassen Sie den Robo-Advisor die Arbeit erledigen.",[],{"type":1034,"text":4695,"spans":4696,"direction":1037},"Daher hat die FMH-Finanzberatung im Auftrag der WirtschaftsWoche die besten Robo-Advisor mit Sparplänen ausgewertet, um Ihnen die Suche nach dem besten zu erleichtern.",[4697],{"start":3801,"end":4439,"type":1102,"data":4698},{"link_type":49,"url":4699,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Franking-die-besten-robo-advisor-fuer-sparplaene-\u002F29744230.html",{"type":1034,"text":4701,"spans":4702,"direction":1037},"Bei der Auswertung, wurde eine besondere Gewichtung auf die Servicegebühren und Mindestbeträge bei Eröffnung als Sparplan gelegt. Wir haben zwischen klassischen und nachhaltigen Anlage-Strategien unterschieden.",[],{"type":1034,"text":4704,"spans":4705,"direction":1037},"Bei den klassischen Anlage-Strategien wurde quirion, bevestor, growney, VisualVest und MorgenFund mit einem „sehr gut“ ausgezeichnet. Bei den nachhaltigen Anlage-Strategien waren es EVERGREEN, quirion, bevestor, VisualVest, MorgenFund und growney die mit einem „sehr gut“ punkten konnten.",[],{"type":1034,"text":4707,"spans":4708,"direction":1037},"Nutzen Sie unseren Robo-Advisor-Vergleich um die besten Robo-Advisor für Ihre Bedürfnisse zu finden.",[4709],{"start":4710,"end":2143,"type":1102,"data":4711},19,{"id":161,"type":107,"tags":4712,"lang":13,"slug":163,"first_publication_date":164,"last_publication_date":165,"uid":166,"url":167,"link_type":43,"isBroken":45},[109],"text_block$77b12edf-b829-4a68-b18c-ce7971917857","Robo-Advisor mit Sparplan: Die besten Anbieter | FMH","Die besten Robo-Advisor mit Sparplan 2024: FMH zeichnet für die WirtschaftsWoche überzeugende Anbieter aus. Jetzt Ergebnisse entdecken.",{"dimensions":4717,"alt":4655,"copyright":1044,"url":4718,"id":4657,"edit":4719},{"width":1111,"height":1112},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmSGGNHVfTPDiu_a9991083e61823633918993c87ee75ba4fea79dd-Kind-mit-Roboter.jpg?auto=format%2Ccompress&rect=0%2C0%2C1000%2C525&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":4721,"uid":1433,"url":4722,"type":319,"href":4723,"tags":4724,"first_publication_date":4725,"last_publication_date":4726,"slugs":4727,"linked_documents":4729,"lang":13,"alternate_languages":4730,"data":4731},"aMLyTBEAACIAioq1","\u002Fartikel\u002Fdie-besten-depots-mit-wertpapierkrediten-2024-10","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyTBEAACIAioq1%22%29+%5D%5D",[366,145],"2025-11-05T13:58:19+0000","2026-10-16T09:28:18+0000",[4728],"schlusselaspekte-eines-wertpapierkredits-die-sie-kennen-sollten",[],[],{"publication_date":4732,"last_edit_date":4732,"set_last_edit_date_today":45,"title":4733,"subtitle":4734,"breadcrumb_title":5,"topic":4735,"teaser":4738,"author":4742,"cover":4745,"cover_position":1048,"table_of_content":1049,"toc_calculator":1050,"toc_selection":1919,"carousel_topic_filter":4751,"slices":4754,"meta_title":4795,"meta_description":4796,"meta_image":4797,"meta_indexed":1116},"2024-10-23","Die besten Depots mit Wertpapierkrediten 2024","Wertpapierkredite auf dem Prüfstand: Welches Depot bietet die besten Konditionen?",{"id":1025,"type":1026,"tags":4736,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4737,"isBroken":45},[],"f4bdba4d-91aa-4ff2-bc98-0d0f2e140193",[4739],{"type":1034,"text":4740,"spans":4741,"direction":1037},"Besitzer eines umfangreichen Depots, die entweder kurzfristig Aktien hinzukaufen oder finanzielle Engpässe überbrücken möchten, haben zwei Möglichkeiten: Sie können ihre Wertpapiere – wie Aktien, Fonds oder ETFs – ganz oder teilweise verkaufen, oder sie entscheiden sich für einen Wertpapierkredit. Wer diese Option als gute Alternative in Betracht zieht, sollte schon bei der Wahl des passenden Depots darauf achten, dass der Depotanbieter günstige Bedingungen beim Wertpapierkredit bietet.",[],{"id":4648,"type":1460,"tags":4743,"lang":13,"slug":3738,"first_publication_date":4650,"last_publication_date":4651,"uid":3738,"link_type":43,"key":4744,"isBroken":45},[],"ee89c728-6351-4aee-be50-5a6819c0e5ee",{"dimensions":4746,"alt":4747,"copyright":1044,"url":4748,"id":4749,"edit":4750},{"width":1468,"height":1041},"Frau überlegt vor dem Laptop","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl4WGNHVfTPDhV_0b9c68a2bfa448a3204fb527315f4950d0b1772e-Frau-ueberlegt-bruenette.jpg?auto=format,compress","aMLl4WGNHVfTPDhV",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":4752,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4753,"isBroken":45},[],"7fde8476-4432-4790-b836-dad82ae353b4",[4755],{"variation":1057,"version":1058,"items":4756,"primary":4757,"id":4794,"slice_type":1106,"slice_label":5},[],{"text":4758,"chart_alt":5},[4759,4762,4765,4768,4771,4778,4781,4784,4787],{"type":1063,"text":4760,"spans":4761,"direction":1037},"Schlüsselaspekte eines Wertpapierkredits, die Sie kennen sollten",[],{"type":1034,"text":4763,"spans":4764,"direction":1037},"Ein zentraler Faktor bei der Auswahl eines Wertpapierkredits ist, wie bei jedem Darlehen, der effektive Jahreszins. Dieser sollte möglichst niedrig ausfallen. Darüber hinaus spielt das verfügbare Kreditvolumen eine entscheidende Rolle, das sich nach der Beleihbarkeit der im Depot enthaltenen Wertpapiere richtet. Aufgrund der Schwankungen an den Börsen sehen Banken und Broker nicht den gesamten Depotwert als Sicherheit an – die Beleihungssätze variieren je nach Anbieter und Art der Wertpapiere.",[],{"type":1034,"text":4766,"spans":4767,"direction":1037},"Überraschend ist, dass einige Banken Wertpapierkredite immer noch der Schufa melden. Ein solcher Eintrag ist eigentlich unnötig, weil die Sicherheit durch die hinterlegten Wertpapiere ausreichend gegeben ist.",[],{"type":3850,"text":4769,"spans":4770,"direction":1037},"Wo finde ich kostengünstige Depots mit einer Option auf Wertpapierkredite?",[],{"type":1034,"text":4772,"spans":4773,"direction":1037},"Um Anlegern die Entscheidung zu erleichtern, hat ntv die FMH-Finanzberatung damit beauftragt, die besten Depots in Verbindung mit Wertpapierkrediten zu analysieren. 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.",[4774],{"start":4775,"end":3879,"type":1102,"data":4776},49,{"link_type":49,"url":4777,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FDie-besten-Depots-mit-Angebot-fuer-Wertpapierkredite-article25289261.html",{"type":1034,"text":4779,"spans":4780,"direction":1037},"In die Auswertung flossen neben den Kreditbedingungen vor allem die Depot- und Transaktionsgebühren mit ein, da diese die Gesamtkosten erheblich beeinflussen.",[],{"type":1063,"text":4782,"spans":4783,"direction":1037},"Top-Auswahl für Wertpapierkredite: Diese Depotbanken überzeugen!",[],{"type":1034,"text":4785,"spans":4786,"direction":1037},"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":1034,"text":4788,"spans":4789,"direction":1037},"Benötigen Sie Unterstützung bei der Suche nach einem passenden Depot? In unserem Depot-Vergleich werden Sie sicher fündig.",[4790],{"start":1574,"end":4791,"type":1102,"data":4792},96,{"id":141,"type":107,"tags":4793,"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":4798,"alt":4747,"copyright":1044,"url":4799,"id":4749,"edit":4800},{"width":1111,"height":1112},"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":4802,"uid":1434,"url":4803,"type":319,"href":4804,"tags":4805,"first_publication_date":4807,"last_publication_date":4808,"slugs":4809,"linked_documents":4811,"lang":13,"alternate_languages":4812,"data":4813},"aMLyAREAACIAiooV","\u002Fartikel\u002Fdie-besten-goldsparplaene-2023-12","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyAREAACIAiooV%22%29+%5D%5D",[366,4806],"goldsparplaene","2025-11-05T14:24:13+0000","2026-07-24T08:37:07+0000",[4810],"in-kleinen-schritten-zum-ersten-goldstuck",[],[],{"publication_date":4814,"last_edit_date":4814,"set_last_edit_date_today":45,"title":4815,"subtitle":4816,"breadcrumb_title":5,"topic":4817,"teaser":4820,"author":4824,"cover":4827,"cover_position":1048,"table_of_content":1049,"toc_calculator":1050,"toc_selection":1919,"carousel_topic_filter":4835,"slices":4836,"meta_title":4886,"meta_description":4887,"meta_image":4888,"meta_indexed":1116},"2023-12-11","Die besten Goldsparpläne 2023","FMH-Auszeichnung für verschiedene Anlegertypen",{"id":1025,"type":1026,"tags":4818,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4819,"isBroken":45},[],"5c33f6fc-e52c-4ea7-9a3d-9c96c3f2512a",[4821],{"type":1034,"text":4822,"spans":4823,"direction":1037},"Wenn eine Sache in Gold aufgewogen wird, dann hat sie einen besonders hohen Wert. Heißt es. Doch lohnt sich das Investment in das teure Edelmetall auch für Kleinsparer? Und wo können Einsteiger schon mit überschaubaren Beträgen in Gold investieren?",[],{"id":4648,"type":1460,"tags":4825,"lang":13,"slug":3738,"first_publication_date":4650,"last_publication_date":4651,"uid":3738,"link_type":43,"key":4826,"isBroken":45},[],"e4e7a572-3f38-405d-8df8-1f490e5f91b5",{"dimensions":4828,"alt":4831,"copyright":1044,"url":4832,"id":4833,"edit":4834},{"width":4829,"height":4830},1024,683,"Schwarze Schale mit Goldbarren drauf","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmmGGNHVfTPDj1_169e956f37f527f8fd3fc9ca4e27657c6f23a2bd-shutterstock_2399306827_Gold.png?auto=format,compress","aMLmmGGNHVfTPDj1",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[4837],{"variation":1057,"version":1058,"items":4838,"primary":4839,"id":4885,"slice_type":1106,"slice_label":5},[],{"text":4840,"chart_alt":5},[4841,4844,4847,4850,4856,4859,4862,4865,4873,4876,4879,4882],{"type":1034,"text":4842,"spans":4843,"direction":1037},"In Krisenzeiten ist Gold von jeher eine gefragte Geldanlage. Und weil die Welt sich im Moment in einer Art Dauerkrisenmodus befindet, ist die Feinunze derzeit ausgesprochen teuer. Nur wenige Anleger dürften vor diesem Hintergrund gerade die Mittel haben, sich mit Goldbarren oder Münzen einzudecken.",[],{"type":1034,"text":4845,"spans":4846,"direction":1037},"In Gold investieren können Normalsterbliche aber trotzdem – zum Beispiel mit einem Goldsparplan. Ihn gibt es in zwei Spielarten.",[],{"type":1063,"text":4848,"spans":4849,"direction":1037},"In kleinen Schritten zum ersten Goldstück",[],{"type":1034,"text":4851,"spans":4852,"direction":1037},"Bei der ersten zahlen Kunden pro Monat einen festen Betrag in den Sparplan ein, der vom Anbieter dann genutzt wird, um physisches Gold zu erwerben. Die Sparer erwerben also nur Bruchteilseigentum an dem im Tresor des Anbieters gelagerten Edelmetall. Jedoch wird ihr Anteil monatlich um einen variierenden Part aufgestockt – je nachdem, wie hoch der Goldkurs gerade ist.",[4853],{"start":4854,"end":4855,"type":1553},177,195,{"type":1034,"text":4857,"spans":4858,"direction":1037},"Diese Form des Goldsparens ist eigentlich nicht zur Auslieferung gedacht, da bei einer Auslieferung noch Form- und Auslieferungskosten hinzukämen.",[],{"type":1034,"text":4860,"spans":4861,"direction":1037},"Die Alternative zu dieser Form des Sparplans, ist das sogenannte Zielsparen. Dabei bestimmen Anleger eine Barrengröße oder eine Münze, die sie erwerben wollen und investieren dann Monat für Monat einen fixen Betrag in den Sparplan, bis das Ziel erreicht ist. „Manche Anbieter verwenden die Sparraten sofort zum Kauf“, erläutert Beate Balke von der FMH-Finanzberatung. „Andere warten ab, bis die Zielsumme erreicht ist, um die gewählte Barren- oder Münzgröße zu erwerben.“ Spätestens dann aber erhalten Sparer bei dieser Variante ihr Gold nach Hause ausgeliefert.",[],{"type":1063,"text":4863,"spans":4864,"direction":1037},"Viele schwarze Schafe",[],{"type":1034,"text":4866,"spans":4867,"direction":1037},"Doch finden Interessenten das beste Preis-Leistungsverhältnis, wenn sie per Sparplan in das begehrte Edelmetall investieren wollen? Da der Markt nach wie vor sehr unübersichtlich ist, hat die FMH-Finanzberatung im Auftrag der WirtschaftsWoche ein exklusives Ranking erstellt und die Angebote von zwölf seriösen Anbietern unter die Lupe genommen. Dabei haben wir neben der Mindestsparrate auch die Gebühren bei Kauf und Verkauf sowie die Lagerkosten vergleichen.",[4868],{"start":4869,"end":4870,"type":1102,"data":4871},214,242,{"link_type":49,"url":4872,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Fsicherer-hafen-das-sind-die-besten-goldsparplaene\u002F29513426.html",{"type":3850,"text":4874,"spans":4875,"direction":1037},"Bester Goldsparplan für Bruchteilseigentum",[],{"type":1034,"text":4877,"spans":4878,"direction":1037},"Für Bruchteilseigentum haben Degussa Sonne\u002FMond Goldhandel, Noble Metal Factory, Solit Group und Gold Republic die besten Angebote.",[],{"type":3850,"text":4880,"spans":4881,"direction":1037},"Bester Goldsparplan für Zielsparen",[],{"type":1034,"text":4883,"spans":4884,"direction":1037},"Beim Zielsparen schaffen es Ophirum, Degussa Sonne\u002FMond Goldhandel und Meine Schatzkammer auf die vorderen Plätze.",[],"text_block$a6fa8434-ce4d-45fd-80d0-de5db374fa3c","Gold-Sparpläne im Vergleich: Die besten Anbieter | FMH","Die besten Goldsparpläne 2023 im Vergleich: FMH bewertet Gebühren, Sparraten und Zielsparen. Jetzt den passenden Goldsparplan finden.",{"dimensions":4889,"alt":4831,"copyright":1044,"url":4890,"id":4833,"edit":4891},{"width":1111,"height":1112},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmmGGNHVfTPDj1_169e956f37f527f8fd3fc9ca4e27657c6f23a2bd-shutterstock_2399306827_Gold.png?auto=format%2Ccompress&rect=0%2C0%2C1024%2C538&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":4893,"uid":1435,"url":4894,"type":319,"href":4895,"tags":4896,"first_publication_date":4897,"last_publication_date":4898,"slugs":4899,"linked_documents":4901,"lang":13,"alternate_languages":4902,"data":4903},"aQINohIAACQAHwgl","\u002Fartikel\u002Ftagesgeldzinsen-steigen-wieder","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQINohIAACQAHwgl%22%29+%5D%5D",[113],"2025-10-29T13:20:06+0000","2026-10-16T09:25:43+0000",[4900],"die-zahl-der-aktionsangebote-nimmt-wieder-zu",[],[],{"publication_date":4904,"last_edit_date":1021,"set_last_edit_date_today":45,"title":4905,"subtitle":4906,"breadcrumb_title":5,"topic":4907,"teaser":4910,"author":4914,"cover":4917,"cover_position":1048,"table_of_content":1049,"toc_calculator":1050,"toc_selection":1051,"carousel_topic_filter":4923,"slices":4926,"meta_title":4983,"meta_description":4984,"meta_image":4985,"meta_indexed":1116},"2025-10-29","Tagesgeldzinsen steigen wieder","Attraktive Tagesgeld-Angebote für Neukunden",{"id":1025,"type":1026,"tags":4908,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4909,"isBroken":45},[],"40460948-eb6c-4c13-998e-cc200f319b90",[4911],{"type":1034,"text":4912,"spans":4913,"direction":1037},"Die Inflationsgefahr in der Eurozone ist vorerst gebannt. Mit einer Teuerungsquote von rund zwei Prozent können die Währungshüter gut leben. Der Leitzins bleibt daher erst einmal unverändert. Sparer können sich zum Teil aber trotzdem über mehr Rendite freuen.",[],{"id":1459,"type":1460,"tags":4915,"lang":13,"slug":1462,"first_publication_date":1463,"last_publication_date":1464,"uid":1462,"link_type":43,"key":4916,"isBroken":45},[],"67d7133d-539f-4f70-be99-61201334e9fc",{"dimensions":4918,"alt":4919,"copyright":5,"url":4920,"id":4921,"edit":4922},{"width":1468,"height":1041},"Ballonfahrt","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQcsnrpReVYa37Iz_pexels-ladfury-30911161.png?auto=format,compress","aQcsnrpReVYa37Iz",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":4924,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":4925,"isBroken":45},[],"1d211f38-3cf3-44fd-a43e-3674caaf2434",[4927],{"variation":1057,"version":1058,"items":4928,"primary":4929,"id":4982,"slice_type":1106,"slice_label":5},[],{"text":4930,"chart_alt":5},[4931,4934,4937,4941,4944,4947,4950,4953,4956,4959,4962,4965,4968,4977],{"type":1034,"text":4932,"spans":4933,"direction":1037},"Moderate Teuerungsraten innerhalb des angepeilten Korridors: Für die Europäische Zentralbank (EZB) sind das gute Nachrichten. Die Leitzinsen bleiben daher bis auf Weiteres auf dem Stand von Juni 2025. Und auch der Einlagenzins, also jener Satz, den die Banken erhalten, wenn sie Kundengelder bei der EZB parken, vorerst bei zwei Prozent. ",[],{"type":1034,"text":4935,"spans":4936,"direction":1037},"Doch was bedeutet dieser Stillstand für Sparer, die ihr Geld auf einem Tagesgeldkonto liegen haben? ",[],{"type":1063,"text":4938,"spans":4939,"direction":1037},"Die Zahl der Aktionsangebote nimmt wieder zu ",[4940],{"start":24,"end":3467,"type":1553},{"type":1034,"text":4942,"spans":4943,"direction":1037},"Traditionell dürfen Anleger in einer solchen Konstellation nicht allzu viel erwarten. Normalerweise weisen Banken ihre Top-Tagesgeldangebote stets analog zum Einlagenzins der EZB aus. Mit anderen Worten: Selbst Neukunden, die in der Regel (zumindest vorübergehend) die besseren Konditionen erhalten als Bestandskunden, bekamen nur jenen Anlagezins garantiert, den die Banken auf der anderen Seite von der EZB erhalten, wenn sie die Einlagen dort parken.  ",[],{"type":1034,"text":4945,"spans":4946,"direction":1037},"Inzwischen sehen wir allerdings, dass einige Banken wieder mehr bieten als den Standard. Meist stammen solche Offerten von Instituten, die sich auf dem deutschen Markt einen Namen machen wollen oder sehr genau rechnen. Ein Beispiel: Das Top-Zinsangebot laut Tagesgeldvergleich auf fmh.de von Ende Oktober 2025 liegt derzeit bei 3,50 Prozent. Das klingt sehr lukrativ. Allerdings garantiert die Bank diesen Zinssatz nur für drei Monate. Und sie begrenzt den maximalen Anlagebetrag, für den diese Konditionen gelten auf maximal 75.000 Euro.  ",[],{"type":1034,"text":4948,"spans":4949,"direction":1037},"Für Kunden bedeutet das: Innerhalb der garantierten drei Monate können sie bis zu 656,25 Euro Zinsen erhalten. Auch für die Bank lohnt sich das Angebot: Sie bekommt im selben Zeitraum 375 Euro Einlagezinsen von der EZB und investiert damit effektiv 281,25 Euro, um neue Kunden zu gewinnen – die Aufmerksamkeit in den Zinsvergleichen gibt es gratis dazu. ",[],{"type":1034,"text":4951,"spans":4952,"direction":1037},"Tagesgeld ist für alle Beteiligten also durchaus wieder attraktiv. Und selbst Kunden, die bereits viele Neukundenaktionen ausgenutzt haben, haben wieder die Möglichkeit TOP-Tagesgeldzinsen zu ergattern. Wer etwa 50.000 Euro statt für 0,75 Prozent zu drei Prozent und mehr bei einer Bank mit Aktionszins anlegt, erwirtschaftet innerhalb von drei Monaten ein Plus von 281,25 Euro.  ",[],{"type":1063,"text":4954,"spans":4955,"direction":1037},"Kaum Bewegung im Bestand ",[],{"type":1034,"text":4957,"spans":4958,"direction":1037},"Bleibt die Frage, wie sich die Zinsen für die Bestandskunden entwickeln. Der durchschnittliche Wert in diesem Segment liegt derzeit bei 0,71 Prozent (siehe Grafik). Das gleicht noch nicht einmal die Inflation aus.  ",[],{"type":1034,"text":4960,"spans":4961,"direction":1037},"Die Banken hingegen verdienen dennoch gut: Sie parken einfach die Milliarden der Sparer bei der EZB und bekommen die Differenz zwischen EZB-Einlagenzins und jenem Wert, den sie ihren Bestandskunden zahlen, als Gewinn vergütet. Das ist ein gutes Geschäft für die Banken. Allein Sichteinlagen (Geld auf Girokonto, Tagesgeld und andere kurzfristige Geldanlagen) und Bargeld beliefen sich im Jahr 2024 auf knapp vier Billionen Euro. Selbst wenn die Differenz zwischen dem Einlagezins und dem für Bestandskunden nur bei 0,5 Prozent läge (und in der Praxis ist es oft deutlich mehr), hätte die EZB 20 Milliarden Euro an die Banken und Sparkassen auszahlen. ",[],{"type":1063,"text":4963,"spans":4964,"direction":1037},"Wechseln lohnt sich",[],{"type":1034,"text":4966,"spans":4967,"direction":1037},"Derzeit deutet wenig darauf hin, dass sich die Zinsen für Bestandskunden deutlich verbessern. Wer ein bisschen Zeit investiert, kann sich allerdings auch in Zukunft hervorragende Zinsen aufs Tagesgeld sichern – vorausgesetzt, er oder sie ist bereit, gelegentlich die Bank zu wechseln. Denn auch in Zukunft wird es immer wieder Banken geben, die Neukunden für das Tagesgeld mehr zahlen als den Einlagenzins der EZB. Um davon zu profitieren, muss man sich nur die Mühe machen, ab und zu sein Erspartes gelegentlich zu einer anderen Bank zu transferieren.",[],{"type":4969,"url":4970,"alt":4971,"copyright":5,"dimensions":4972,"id":4975,"edit":4976},"image","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQIUBrpReVYa3y03_Tagesgeld_EZB_Einlagenzins_Inflation-1-.png?auto=format,compress","Tagesgeld und EZB-Einlagenzins und Inflation",{"width":4973,"height":4974},1680,834,"aQIUBrpReVYa3y03",{"x":24,"y":24,"zoom":25,"background":26},{"type":4969,"url":4978,"alt":4971,"copyright":5,"dimensions":4979,"id":4980,"edit":4981},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQIPybpReVYa3yyN_Tagesgeld_EZB_Einlagenzins_Inflation.png?auto=format,compress",{"width":4973,"height":4974},"aQIPybpReVYa3yyN",{"x":24,"y":24,"zoom":25,"background":26},"text_block$a729171e-b2cc-49ec-8e83-80e39c7437bd","Tagesgeldzinsen: Top-Angebote für Neukunden | FMH","Tagesgeldzinsen vergleichen und bis zu 3,50 % p. a. sichern: FMH zeigt attraktive Angebote transparent und unabhängig. Jetzt passende Bank finden.",{"dimensions":4986,"alt":4919,"copyright":5,"url":4987,"id":4921,"edit":4988},{"width":1111,"height":1112},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQcsnrpReVYa37Iz_pexels-ladfury-30911161.png?auto=format,compress&rect=0,85,1200,630&w=2400&h=1260",{"x":24,"y":4369,"zoom":25,"background":26},{"id":4990,"uid":1436,"url":4991,"type":319,"href":4992,"tags":4993,"first_publication_date":4994,"last_publication_date":4995,"slugs":4996,"linked_documents":4998,"lang":13,"alternate_languages":4999,"data":5000},"aaWmHREAACcAyjCP","\u002Fartikel\u002Fdie-besten-tagesgeldzinsen-2026-03","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avR7SxIAACcAw1CY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aaWmHREAACcAyjCP%22%29+%5D%5D",[],"2026-03-03T09:45:34+0000","2026-11-06T12:11:51+0000",[4997],"mehr-sicherheit-und-langere-zinsgarantien",[],[],{"publication_date":5001,"last_edit_date":5001,"set_last_edit_date_today":45,"title":5002,"subtitle":5003,"breadcrumb_title":5,"topic":5004,"teaser":5007,"author":5016,"cover":5019,"cover_position":1048,"table_of_content":1049,"toc_calculator":1050,"toc_selection":1919,"carousel_topic_filter":5026,"slices":5029,"meta_title":5132,"meta_description":5133,"meta_image":5134,"meta_indexed":1116},"2026-03-03","Tagesgeld 2026: Wo Sparer jetzt die attraktivsten Konditionen finden","Hohe Aktionszinsen, längere Garantien und sichere Einlagen im Vergleich",{"id":1025,"type":1026,"tags":5005,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":5006,"isBroken":45},[],"ef357c28-aa54-45da-874c-629d7491c9f0",[5008],{"type":1034,"text":5009,"spans":5010,"direction":1037},"Tagesgeld bleibt gefragt. Flexible Verfügbarkeit trifft auf stabile Zinsen – zumindest während der Zinsgarantie. Die FMH-Finanzberatung hat im Auftrag des Handelsblatts analysiert, welche Banken 2026 mit den besten Tagesgeldangeboten überzeugen.",[5011],{"start":5012,"end":5013,"type":1102,"data":5014},155,168,{"link_type":49,"url":5015,"target":52},"https:\u002F\u002Fwww.handelsblatt.com\u002Ffinanzen\u002Fanlagestrategie\u002Franking-das-sind-die-besten-und-lukrativsten-tagesgeldkonten\u002F100197805.html",{"id":4304,"type":1460,"tags":5017,"lang":13,"slug":4306,"first_publication_date":4307,"last_publication_date":4308,"uid":4306,"link_type":43,"key":5018,"isBroken":45},[],"df7193c2-7d39-4f7c-86b9-5fe3fccdfa01",{"dimensions":5020,"alt":5022,"copyright":4537,"url":5023,"id":5024,"edit":5025},{"width":4312,"height":5021},1002,"Lächelndes Senioren Paar auf dem Küchen Boden mit einem Kaffee in der Hand","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaaasoFxvIZEnjQxz_Paar-auf-Kuechenboden.jpg?auto=format,compress","aaasoFxvIZEnjQxz",{"x":24,"y":24,"zoom":25,"background":26},{"id":1025,"type":1026,"tags":5027,"lang":13,"slug":1028,"first_publication_date":1029,"last_publication_date":1030,"uid":1028,"link_type":43,"key":5028,"isBroken":45},[],"bd82ee6a-76ee-42a7-aa6b-b1f62ae3c759",[5030],{"variation":1057,"version":1058,"items":5031,"primary":5032,"id":5131,"slice_type":1106,"slice_label":5},[],{"text":5033,"chart_alt":5},[5034,5037,5040,5042,5048,5051,5054,5057,5060,5063,5066,5069,5072,5079,5086,5089,5096,5102,5108,5114,5117,5120,5123,5129],{"type":1063,"text":5035,"spans":5036,"direction":1037},"Mehr Sicherheit und längere Zinsgarantien",[],{"type":1034,"text":5038,"spans":5039,"direction":1037},"In wirtschaftlich unsicheren Zeiten setzen viele Anleger wieder stärker auf Stabilität und schnelle Verfügbarkeit. Tagesgeld erfüllt diese Anforderungen: Das Guthaben ist jederzeit verfügbar und durch die gesetzliche Einlagensicherung bis 100.000 Euro je Bank geschützt; teils sichern Banken darüber hinaus deutlich höhere Beträge ab. Gleichzeitig passen viele Institute ihre Aktionszinsen an, um neue Kundinnen und Kunden zu gewinnen. Zudem verlängern immer mehr Anbieter die Zinsgarantie – statt nur drei Monaten werden zunehmend sechs oder sogar zwölf Monate feste Konditionen angeboten, was die Planungssicherheit spürbar erhöht.",[],{"type":1063,"text":4362,"spans":5041,"direction":1037},[],{"type":1034,"text":5043,"spans":5044,"direction":1037},"Die FMH-Finanzberatung hat im Auftrag des Handelsblatts insgesamt 75 bundesweite Tagesgeldanbieter untersucht.",[5045],{"start":3901,"end":1489,"type":1102,"data":5046},{"link_type":49,"url":5047,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-tagesgeldzinsen-handelsblatt",{"type":1034,"text":5049,"spans":5050,"direction":1037},"Im Mittelpunkt standen:",[],{"type":1034,"text":5052,"spans":5053,"direction":1037},"•\tRendite für 4 Monate",[],{"type":1034,"text":5055,"spans":5056,"direction":1037},"•\tDauer der Zinsgarantie",[],{"type":1034,"text":5058,"spans":5059,"direction":1037},"•\tEinlagensicherung",[],{"type":1034,"text":5061,"spans":5062,"direction":1037},"•\tMindestanlage",[],{"type":1034,"text":5064,"spans":5065,"direction":1037},"•\tmögliche Zusatzbedingungen (z. B. Girokonto-Eröffnung)",[],{"type":1034,"text":5067,"spans":5068,"direction":1037},"Sechs Banken erhielten die Bestnote „sehr gut“. Bewertet wurde nicht nur die maximale Verzinsung, sondern die Gesamtattraktivität des Angebots.",[],{"type":1063,"text":5070,"spans":5071,"direction":1037},"Diese Banken liegen vorne",[],{"type":1034,"text":5073,"spans":5074,"direction":1037},"An der Spitze der Auswertung steht Bank11 mit einem Aktionszins von 3,11 Prozent bei dreimonatiger Garantie.",[5075],{"start":5076,"end":2143,"type":1102,"data":5077},35,{"link_type":49,"url":5078,"target":52},"https:\u002F\u002Fmoneytrax.de\u002Fclick.php?aid=62&linkid=N48&userid=&subid=",{"type":1034,"text":5080,"spans":5081,"direction":1037},"Mit einem noch höheren Einstiegszins von 3,33 Prozent folgt die norisbank. Allerdings sinkt der Zinssatz nach Ablauf der Garantie deutlich. Zudem ist ein Girokonto beim Anbieter Voraussetzung.",[5082],{"start":4439,"end":5083,"type":1102,"data":5084},73,{"link_type":49,"url":5085,"target":52},"https:\u002F\u002Fwww.norisbank.de\u002Fgeldanlage\u002Ftagesgeld-festgeld\u002Ftagesgeld.html",{"type":1034,"text":5087,"spans":5088,"direction":1037},"Ebenfalls mit „sehr gut“ bewertet wurden:",[],{"type":1034,"text":5090,"spans":5091,"direction":1037},"•\tcomdirect",[5092],{"start":5093,"end":1948,"type":1102,"data":5094},2,{"link_type":49,"url":5095,"target":52},"https:\u002F\u002Fwww.comdirect.de\u002Fgeldanlage\u002Ftagesgeld.html",{"type":1034,"text":5097,"spans":5098,"direction":1037},"•\tVolkswagen Bank",[5099],{"start":5093,"end":1555,"type":1102,"data":5100},{"link_type":49,"url":5101,"target":52},"https:\u002F\u002Fpartners.pilot.de\u002Fgo.cgi?pid=34&wmid=162&cpid=1&prid=1&subid=62&target=Tagesgeld_12_2022",{"type":1034,"text":5103,"spans":5104,"direction":1037},"•\tSuresse Direkt Bank",[5105],{"start":5093,"end":2449,"type":1102,"data":5106},{"link_type":49,"url":5107,"target":52},"https:\u002F\u002Fwww.suressedirektbank.de\u002Fde\u002Fsparen-anlegen\u002Ftagesgeld?utm_source=fmh&utm_medium=affiliate&utm_campaign=listing&utm_content=tagesgeld",{"type":1034,"text":5109,"spans":5110,"direction":1037},"•\tBBVA",[5111],{"start":5093,"end":1692,"type":1102,"data":5112},{"link_type":49,"url":5113,"target":52},"https:\u002F\u002Fwww.bbva.de\u002Fprivat\u002Fservices\u002Fsmart-banking\u002Fsparbox.html",{"type":1063,"text":5115,"spans":5116,"direction":1037},"Fazit: Attraktive Chancen für sicherheitsorientierte Anleger",[],{"type":1034,"text":5118,"spans":5119,"direction":1037},"Die Auswertung der FMH-Finanzberatung im Auftrag des Handelsblatts zeigt: Tagesgeld bleibt 2026 eine solide Option für Anleger, die Wert auf Sicherheit und Flexibilität legen.",[],{"type":1034,"text":5121,"spans":5122,"direction":1037},"Wer nicht nur auf den Höchstzins schaut, sondern Garantiezeit, Anschlusszins und Bedingungen vergleicht, kann sein Erspartes gezielt optimieren.",[],{"type":1034,"text":5124,"spans":5125,"direction":1037},"Der FMH Tagesgeld-Vergleich bietet einen transparenten Überblick über die aktuell besten Angebote.",[5126],{"start":1785,"end":1101,"type":1102,"data":5127},{"id":106,"type":107,"tags":5128,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"type":1034,"text":1499,"spans":5130,"direction":1037},[],"text_block$5c4f0484-75a5-47ff-8620-7a618dc50a24","Die besten Tagesgeldzinsen 2026 | FMH.de","Tagesgeldvergleich 2026: Entdecken Sie attraktive Tagesgeldkonten mit hohen Zinsen und Zinsgarantie. FMH-Auswertung für das Handelsblatt.",{"dimensions":5135,"alt":5022,"copyright":4537,"url":5136,"id":5024,"edit":5137},{"width":1111,"height":1112},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaaasoFxvIZEnjQxz_Paar-auf-Kuechenboden.jpg?auto=format,compress&rect=0,107,1500,788&w=2400&h=1260",{"x":24,"y":5138,"zoom":25,"background":26},107]