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April um mindestens 0,25 Prozentpunkte erhöhen wird, ist jetzt eine gute Zeit für Aktionsangebote. Man kann Neukunden akquirieren und dann von der EZB die erhöhten Einlagenzinsen von 2,25 Prozent  erhalten, wenn die neuen Kundengelder bei der EZB kurzfristig geparkt werden können. Die Bank garantiert einem Anleger 2,25 Prozent und erhält diese auch wieder von der EZB verzinst, wenn die Bank oder Sparkasse, das Geld anschließend dort anlegt. In diesem Fall hat die Bank einen Neukunden gewonnen, der ihr außer Installationskosten keine Unkosten bereitet. Und Neukunden zu werben kostet normalerweise richtig Geld.",[],{"type":1068,"text":1075,"spans":1076,"direction":1035},"Drei Modelle – ein Ziel",[],{"type":1032,"text":1078,"spans":1079,"direction":1035},"Aktionszinsen folgen einem bestimmten Muster, wo bei es drei Gruppen von Neukundenangeboten gibt: Es gibt die Gruppe der Girokonto-Eröffner, dann die Gruppe der Depotkonto-Eröffner und dann noch Angebote, die vor allem auf die Trägheit der Neukunden abzielen.",[],{"type":1032,"text":1081,"spans":1082,"direction":1035},"Mit Blick auf den Schufa-Score ist es nicht immer empfehlenswert, regelmäßig ein neues Girokonto zu eröffnen, um Aktionszinsen für drei bis sechs Monate zu erhalten. Zusätzlich sollten Kunden genau darauf achten, ob das neue Girokonto wirklich kostenfrei ist oder von Anfang an Kontoführungsgebühren und oder andere Fixkosten für Debit- oder Kreditkarte anfallen. Hier ist es besonders wichtig neben dem Tagesgeldzins auch die verpflichtende Girokonto-Eröffnung zu beachten. Monatlich zehn Euro Kontogebühr machen einen augenfälligen Aktionszins schnell uninteressant.",[],{"type":1032,"text":1084,"spans":1085,"direction":1035},"Ähnlich funktioniert das Modell beim Depot: TOP-Tagesgeldzinsen gibt es nur mit Eröffnung eines Anlagedepots. Will man dann dort regelmäßig Geld anlegen oder nur einmalig einen größeren Betrag investieren? Sind Sie bereits erfahren mit Investmentanlagen? Oder machen Sie dies alles nur wegen der TOP-Zinsen und wollen eigentlich gar kein Depot nutzen? Dann sollten Sie die Zusatzbedingungen genau lesen, unter welchen die hohen Zinsen bezahlt werden und welche Kosten später entstehen, wenn der Zeitraum der Garantiezinsen vorbei ist und nur noch das eröffnete Depot genutzt wird.",[],{"type":1032,"text":1087,"spans":1088,"direction":1035},"Und dann haben wir noch die dritte Gruppe der Aktionszinsen: die Banken, die mit der Trägheit der Kunden rechnen. Aktionszinsen gelten nur eine begrenze Zeit und die Zinsen werden anschließend auf das Niveau der Bestandskunden zurückgestuft – was allerdings auch bei den meisten Banken der beiden oberen Gruppen zutrifft. Viele Kunden reagieren darauf nicht und lassen ihr Geld einfach liegen und genau darauf setzen die Banken.",[],{"type":1032,"text":1090,"spans":1091,"direction":1035}," ",[],{"type":1093,"text":1094,"spans":1095,"direction":1035},"heading3","Ein Rechenbeispiel",[],{"type":1032,"text":1097,"spans":1098,"direction":1035},"Ein typisches Szenario verdeutlicht das Prinzip. Wenn die Bank dem Neukunden 2,5 Prozent garantiert und die EZB bei einer Wiederanlage 2,25 Prozent der Bank vergütet, dann hat die Bank einen Zinsbetrag von 312,50 Euro für drei Monate an den Neukunden zu bezahlen und würde bei einer Komplettanlage bei der EZB lediglich Zinsen in Höhe von 281,25 Euro erhalten. Also eigentlich ein Verlustgeschäft von 31,25 Euro. Dafür hat die Bank aber einen neuen Kunden gewonnen. Noch kein allzu großes Verlustgeschäft. Bleibt dieser Kunde nach Ablauf der Aktion noch vier Wochen bei der Bank und gibt sich mit 0,75 Prozent für einen Bestandskunden zufrieden, dann macht die Bank in diesem einen Monat einen Überschuss. Der Kunde erhält 31,25 Euro Zinsen und die Bank erhält von der EZB bei diesem Beispielkunden immerhin 93,75 Euro. Ergibt also folgende Rechnung: EZB-Gutschrift 93,75 Euro minus 31,25 Euro Zinszahlung an Bestandskunden gleich 62,50 Euro Gewinn für die Bank. Minus dem „Verlust“ für die ersten drei Aktionsmonate macht die Bank immer noch einen Gewinn von 31,25 Euro. Nicht viel aber doch etwas und man hat einen Neukunden, der vielleicht sogar länger bei der Bank sein Tagesgeld liegen lässt.",[],{"type":1068,"text":1100,"spans":1101,"direction":1035},"Aktionszinsen dienen meist der Neukundengewinnung",[],{"type":1032,"text":1103,"spans":1104,"direction":1035},"Diese Beispiele sollten Sie nicht davon abhalten, Neukundenangebote zu nutzen. Sie sollten aber auch an eventuelle Nebenkosten denken und auch daran, was mit diesen passiert, wenn die Garantiezeit zu Ende ist.",[],{"type":1032,"text":1106,"spans":1107,"direction":1035},"Nutzen Sie unseren Vergleichsrechner von fmh.de, der auch bei längerem Anlagezeitraum errechnet, wie viele Tagesgeldzinsen Sie am Ende erhalten. Am Ende der Garantiezeit wird mit den derzeit gültigen Bestandskundenangeboten weitergerechnet: Dies ist eine faire Betrachtung, die Sie nicht bei allen Vergleichsangeboten finden werden.",[1108],{"start":1109,"end":1110,"type":1111,"data":1112},19,47,"hyperlink",{"link_type":49,"url":1113,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Fangebote-vergleichen\u002Ftagesgeld","text_block$f4aeb35d-c1a1-4dd7-8269-b8290973972e","text_block","Tagesgeld-Aktionszinsen: Was Banken damit bezwecken | FMH.de","Max Herbst erklärt anschaulich, welche Vorteile Banken durch zeitlich begrenzte Aktionszinsen haben",{"dimensions":1119,"alt":1048,"copyright":1049,"url":1122,"id":1051,"edit":1123},{"width":1120,"height":1121},2400,1260,"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FafBq1sBOoF08xXIO_EZB-Nacht-Frankfurt.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":1124,"zoom":25,"background":26},106,true,{"id":1127,"uid":5,"url":5,"type":1128,"href":1129,"tags":1130,"first_publication_date":1131,"last_publication_date":1132,"slugs":1133,"linked_documents":1134,"lang":13,"alternate_languages":1135,"data":1136},"aG_m7xEAACoAbcDn","footer","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aG_m7xEAACoAbcDn%22%29+%5D%5D",[],"2025-07-10T16:14:45+0000","2026-09-11T08:32:39+0000",[1128],[],[],{"logo":1137,"logo_darkmode":1144,"imprint":1147,"social_media_links":1151,"copyright":1167,"links":1168,"bottom_quick_links":1371},{"dimensions":1138,"alt":1139,"copyright":1140,"url":1141,"id":1142,"edit":1143},{"width":18,"height":19},"FMH.de – So geht Geld!","FMH-Finanzberatung","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Ffmh-de-dev\u002FaShlNnNYClf9njEG_fmh-de-claim-slate-dark.svg","aShlNnNYClf9njEG",{"x":24,"y":24,"zoom":25,"background":26},{"dimensions":1145,"alt":20,"copyright":5,"url":29,"id":30,"edit":1146},{"width":18,"height":19},{"x":24,"y":24,"zoom":25,"background":26},[1148],{"type":1032,"text":1149,"spans":1150,"direction":1035},"FMH-Finanzberatung e.K.\nD-60313 Frankfurt am Main\nTelefon 069 95 189 80",[],[1152,1157,1162],{"link":1153},{"link_type":49,"key":1154,"url":1155,"target":52,"text":1156},"610efded-b3dc-45b9-bae1-276d8d4c0bb2","https:\u002F\u002Fwww.instagram.com\u002Ffmh.de\u002F","mingcute:instagram-line",{"link":1158},{"link_type":49,"key":1159,"url":1160,"target":52,"text":1161},"a981b50a-da0b-48da-8a46-4887910b6a7e","https:\u002F\u002Fwww.youtube.com\u002F@fmh-finanzberatung","mingcute:youtube-line",{"link":1163},{"link_type":49,"key":1164,"url":1165,"target":52,"text":1166},"fa7a2b60-2333-4289-8f13-206747e40e96","https:\u002F\u002Fde.linkedin.com\u002Fcompany\u002Ffmh-finanzberatung","mingcute:linkedin-line","© 2026. 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Das haben in den vergangenen Jahren zwar viele Banken getan – wenn auch nur bis zu einer gewissen Grenze. Die allerdings scheint sich gerade zu verwischen. Flexible, Rendite interessierte Kunden können von diesem Trend profitieren.",[],{"id":1037,"type":1038,"tags":1485,"lang":13,"slug":1040,"first_publication_date":1041,"last_publication_date":1042,"uid":1040,"link_type":43,"key":1486,"isBroken":45},[],"81034b5d-420a-474e-be54-c73572453390",{"dimensions":1488,"alt":1491,"copyright":1492,"url":1493,"id":1494,"edit":1495},{"width":1489,"height":1490},8608,5292,"Fröhliche Frau macht das \"OK\"-Zeichen","Jacob Lund, Shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaUUyw3NYClf9ogXs_shutterstock_2438132027.jpg?auto=format,compress","aUUyw3NYClf9ogXs",{"x":24,"y":24,"zoom":25,"background":26},"h1, h2, h3 + Slices",{"link_type":43},[1499,1589,1618],{"variation":1062,"version":1063,"items":1500,"primary":1501,"id":1588,"slice_type":1115,"slice_label":5},[],{"text":1502,"chart_alt":5},[1503,1506,1509,1512,1520,1523,1532,1534,1537,1539,1542,1545,1548,1551,1553,1556,1559,1571,1575,1583,1585],{"type":1068,"text":1504,"spans":1505,"direction":1035},"Warum Banken Ihnen jetzt mehr zahlen als die EZB  ",[],{"type":1032,"text":1507,"spans":1508,"direction":1035},"In über 40 Jahren Marktbeobachtung durch die FMH-Finanzberatung und Max Herbstgalt es als ausgemacht, dass Banken ihren Tagesgeld-Neukunden nur maximal jene Zinsen zahlen, die sie selbst von der Europäischen Zentralbank (EZB) erhalten, wenn sie dort die Gelder lagern. Von Anfang 2022 bis Anfang 2024 war diese Praxis jedenfalls der Standard der Branche. ",[],{"type":1032,"text":1510,"spans":1511,"direction":1035},"Im vergangenen Jahr experimentierten dann aber einzelne Anbieter mit einem neuen Modell.  Banken wie die OLB oder auch bunq, ein niederländisches Geldhaus, begannen damit, ihren Neukunden mehr als den Einlagenzins der EZB zu bezahlen. Dies bescherte den beiden Anbietern von TOP-Zinsen einen enormen Zulauf an Neukunden und zeigte: Viele Sparer sind es leid, dass ihre Banken sie mit Minizinsen unterhalb des Inflationsausgleichs abspeisen.  ",[],{"type":1032,"text":1513,"spans":1514,"direction":1035},"Zwar sind die großzügigen Neukunden-Angebote stets befristet, so dass Anleger auch bei den Top-Offerten irgendwann wieder niedrigere Zinsen akzeptieren müssen. Wer bereit ist, regelmäßig den Anbieter zu wechseln, um attraktive Neukunden-Angebote mitzunehmen, kann allerdings gute Geschäfte machen. Bei der Auswahl der richtigen Bank hilft der Tagesgeld-Vergleich auf FMH.de.",[1515],{"start":1516,"end":1517,"type":1111,"data":1518},343,373,{"id":106,"type":107,"tags":1519,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"type":1032,"text":1521,"spans":1522,"direction":1035},"",[],{"type":1524,"url":1525,"alt":1526,"copyright":5,"dimensions":1527,"id":1530,"edit":1531},"image","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaUUuM3NYClf9ogVB_Grafik-1.png?auto=format,compress","Tagesgeld-Aktionszins + EZB-Einlagenzins",{"width":1528,"height":1529},1006,531,"aUUuM3NYClf9ogVB",{"x":24,"y":24,"zoom":25,"background":26},{"type":1032,"text":1521,"spans":1533,"direction":1035},[],{"type":1032,"text":1535,"spans":1536,"direction":1035},"Immer mehr Banken koppeln die Neukundenaktion beim Tagesgeld an die Eröffnung eines neuen Depots oder Girokontos. Der Grund: Auch wenn viele Neukunden nach Ablauf des Aktionszeitraums ihr Tagesgeld wieder abziehen, bleiben das Depot bzw. das Girokonto meist bestehen. Zudem ist die Wahrscheinlichkeit groß, dass die Neukunden das Depot zumindest ausprobieren oder bei dem (günstigen) neuen Girokonto bleiben.  Damit ist das Ziel der Aktionszinsen aus Sicht der Banken erreicht. ",[],{"type":1032,"text":1521,"spans":1538,"direction":1035},[],{"type":1068,"text":1540,"spans":1541,"direction":1035},"Für alle Beteiligten ein lohnendes Geschäft – So rechnen Banken ",[],{"type":1032,"text":1543,"spans":1544,"direction":1035},"Wie die Institute kalkulieren, lässt sich am Beispiel einer Bank illustrieren, die Neukunden beim Tagesgeld drei Prozent für drei Monate auf Einlagen bis zu 50.000 Euro garantiert. ",[],{"type":1032,"text":1546,"spans":1547,"direction":1035},"In diesem Fall garantiert die Bank den Neuzugängen bei obigem Anlagebetrag im ersten Vierteljahr 375 Euro Zinsen. Die EZB bezahlt der Bank in diesem Zeitraum jedoch nur zwei Prozent für die geparkten Kundengelder, im Aktionszeitraum erhält die Bank also nur 250 Euro. Damit zahlt das Geldhaus für die Gewinnung eines neuen Kunden 125 Euro. Hinzu kommen meist noch Provisionen an die Plattformen, die TOP-Zinsen veröffentlichen und der Bank Neukunden zuführen. ",[],{"type":1032,"text":1549,"spans":1550,"direction":1035},"Dieses Geld ist aus Sicht der Bank aber gut investiert: Unterstellt man, dass Neukunden nach dem Ende des Aktionszeitraums noch drei Monate bei der Bank bleiben, die ihnen jetzt nur noch 0,75 Prozent Zinsen zahlt, kommt die Bank schon wieder ins Plus: Sie verdient an der Differenz zwischen den zwei Prozent von der EZB und den 0,75 Prozent für den Kunden in eben jenen drei Monaten bereits 156,25 Euro. Die Kosten für die Neukunden Akquisition wandeln sich damit binnen eines halben Jahres in einen Überschuss von 31,25 Euro.  ",[],{"type":1032,"text":1521,"spans":1552,"direction":1035},[],{"type":1068,"text":1554,"spans":1555,"direction":1035},"So holen Sie die beste Rendite aus Ihrem Tagesgeld heraus ",[],{"type":1032,"text":1557,"spans":1558,"direction":1035},"Kunden, die beim Tagesgeld optimale Renditen erwirtschaften wollen, haben damit im Wesentlichen zwei Möglichkeiten. ",[],{"type":1560,"text":1561,"spans":1562,"direction":1035},"list-item","Variante eins: Sie können von Neukunden-Angebot zu Neukunden-Angebot springen (Bankhopping), und sich jeweils die besten Konditionen sichern. 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Man muss jedoch nach ihnen suchen, denn der Großteil der Institute ist bei Bestandskunden sehr sparsam.",[],"text_block$1384be3d-ca06-48d1-b095-6398cdde8360",{"variation":1062,"version":1063,"items":1590,"primary":1591,"id":1616,"slice_type":1617,"slice_label":5},[],{"title":1592,"is_ad":45,"image":1593,"text":1598,"person_description":1602,"button_link":1614,"button_umami_event":5},"Lohnt sich Bankhopping?",{"dimensions":1594,"alt":1448,"copyright":5,"url":1595,"id":1596,"edit":1597},{"width":1047,"height":1047},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQNRo7pReVYa31Yy_max-02.png?auto=format,compress","aQNRo7pReVYa31Yy",{"x":24,"y":24,"zoom":25,"background":26},[1599],{"type":1032,"text":1600,"spans":1601,"direction":1035},"\"Bankhopping ergibt vor allem Sinn, wenn Sie größere Beträge anlegen wollen. Wer Summen bis 2.500 Euro gut verzinst anlegen will, profitiert zwar auch. Er oder sie sollte aber den zeitlichen Aufwand der steten Kontowechsel nicht außer Acht lassen und überlegen, ob die maximal 16,25 Euro zusätzliche Zinsen in drei Monaten die Mühe wert sind. Da Zeit bekanntlich Geld ist, sparen sie sich diese.\"",[],[1603],{"type":1032,"text":1604,"spans":1605,"direction":1035},"Max Herbst, Experte für Baufinanzierung und Zinsentwicklung",[1606,1608,1611],{"start":24,"end":1607,"type":1565},10,{"start":1609,"end":1610,"type":1565},24,40,{"start":1612,"end":1613,"type":1565},43,59,{"link_type":1615},"Any","expert_box$32759000-3076-4dcb-9dad-85e025e782e1","expert_box",{"variation":1062,"version":1063,"items":1619,"primary":1620,"id":1631,"slice_type":1115,"slice_label":5},[],{"text":1621,"chart_alt":5},[1622,1625,1628],{"type":1068,"text":1623,"spans":1624,"direction":1035},"Zinsentwicklung: Prognose fürs Tagesgeld 2026",[],{"type":1032,"text":1626,"spans":1627,"direction":1035},"Und wie geht es beim Tagesgeld weiter? ",[],{"type":1032,"text":1629,"spans":1630,"direction":1035},"Max Herbst und sein Team von der FMH-Finanzberatung gehen nicht davon aus, dass die EZB den Einlagenzins auf absehbare Zeit senken wird. Wahrscheinlicher ist eine Erhöhung der Leitzinsen, zumindest wenn die Inflation weiter steigt. In diesem Fall würden auch die Aktionszinsen für Neukunden beim Tagesgeld noch einmal anziehen – zum Nutzen zinssensibler Tagesgeldsparer.",[],"text_block$93732d18-f1a8-47f9-be86-cbf8f168bb39","3 % Tagesgeld-Zinsen: So nutzen Sie Top-Angebote","Maximale Rendite durch Neukunden-Angebote: Wie Sie Top-Zinsen finden, clever vergleich und wechseln.",{},{"id":364,"uid":370,"url":371,"type":319,"href":1636,"tags":1637,"first_publication_date":368,"last_publication_date":369,"slugs":1638,"linked_documents":1639,"lang":13,"alternate_languages":1640,"data":1641},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQIk3hIAACYAHznu%22%29+%5D%5D",[366,145],[367],[],[],{"publication_date":1642,"last_edit_date":1643,"set_last_edit_date_today":45,"title":373,"subtitle":1644,"breadcrumb_title":5,"topic":1645,"teaser":1648,"author":1652,"cover":1659,"cover_position":1053,"table_of_content":1054,"toc_calculator":1055,"toc_selection":1056,"carousel_topic_filter":1667,"slices":1670,"meta_title":1780,"meta_description":1781,"meta_image":1782,"meta_indexed":1125},"2025-09-09","2025-11-03","So sparen Anleger Gebühren und sichern sich bessere Renditen",{"id":1023,"type":1024,"tags":1646,"lang":13,"slug":1026,"first_publication_date":1027,"last_publication_date":1028,"uid":1026,"link_type":43,"key":1647,"isBroken":45},[],"7960af36-a641-412e-95e6-223210201a08",[1649],{"type":1032,"text":1650,"spans":1651,"direction":1035},"Bei der Wahl ihres Brokers achten viele ETF-Anleger vor allem auf niedrige Kosten - zu Recht. Doch was auf den ersten Blick günstig wirkt, kann schnell teuer werden. Die FMH-Finanzberatung hat für die WirtschaftsWoche untersucht, welche Anbieter 2025 besonders gute Konditionen für ETF-Anleger bieten.",[],{"id":1653,"type":1038,"tags":1654,"lang":13,"slug":1655,"first_publication_date":1656,"last_publication_date":1657,"uid":1655,"link_type":43,"key":1658,"isBroken":45},"aPYnVBAAACMArrKx",[],"carlos-lopes-da-costa","2025-10-20T12:18:17+0000","2025-11-05T14:13:24+0000","22a04aa5-cd51-4fac-afcb-f8c143ea5732",{"dimensions":1660,"alt":1663,"copyright":5,"url":1664,"id":1665,"edit":1666},{"width":1661,"height":1662},1800,1200,"Eine Hand legt Dominosteine, die das Wort ETF bilden","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQIvy7pReVYa3zOO_ETF-wuerfel.png?auto=format,compress","aQIvy7pReVYa3zOO",{"x":24,"y":24,"zoom":25,"background":26},{"id":1023,"type":1024,"tags":1668,"lang":13,"slug":1026,"first_publication_date":1027,"last_publication_date":1028,"uid":1026,"link_type":43,"key":1669,"isBroken":45},[],"e6feac33-3d24-488f-abab-7b196fe8560d",[1671],{"variation":1062,"version":1063,"items":1672,"primary":1673,"id":1779,"slice_type":1115,"slice_label":5},[],{"text":1674,"chart_alt":5},[1675,1678,1691,1694,1697,1700,1706,1711,1716,1721,1725,1730,1738,1741,1753,1756,1763,1766,1772],{"type":1068,"text":1676,"spans":1677,"direction":1035},"Was wurde untersucht?",[],{"type":1032,"text":1679,"spans":1680,"direction":1035},"Für die aktuelle Auswertung hat die FMH-Finanzberatung im Auftrag der WirtschaftsWoche insgesamt 24 Anbieter verglichen – 11 Onlinebroker sowie 13 Geschäfts- und Direktbanken. Bewertet wurden die Depotkosten, Transaktionsgebühren, Orderkosten beim Wertpapierkauf, die Gebühren für Sparplan-Ausführungen sowie das Vorhandensein von Auszahlplänen. Untersucht wurden zwei Szenarien: geringe Transaktionsvolumen von 500 Euro und hohe Volumen von 10.000 Euro pro Trade.",[1681,1686],{"start":1682,"end":1683,"type":1111,"data":1684},8,27,{"link_type":49,"url":1685,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-broker-f-r-den-etf-handel-wirtschaftswoche",{"start":1687,"end":1688,"type":1111,"data":1689},70,86,{"link_type":49,"url":1690,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Fvergleich-die-besten-broker-fuer-etf-anleger\u002F100153729.html",{"type":1068,"text":1692,"spans":1693,"direction":1035},"Kosten sind entscheidend für die Rendite",[],{"type":1032,"text":1695,"spans":1696,"direction":1035},"Was auf den ersten Blick günstig aussieht, kann sich bei genauer Betrachtung als Renditekiller erweisen. Eine scheinbar niedrige Ordergebühr von 0,25 Prozent kann ohne Obergrenze bei hohen Beträgen stark ins Gewicht fallen. Umgekehrt verteuern fixe Mindestgebühren kleine Ordervolumina erheblich. Wer selten handelt, sollte vor allem auf ein kostenloses Depot achten. Wer regelmäßig investiert, profitiert stärker von niedrigen Orderkosten. Wichtig ist außerdem, ob eine Mindest- oder Höchstgebühr gilt - sie entscheidet, ob ein Modell für kleine oder große Summen geeignet ist.",[],{"type":1068,"text":1698,"spans":1699,"direction":1035},"Beste Broker bei kleinen Transaktionsvolumen",[],{"type":1032,"text":1701,"spans":1702,"direction":1035},"Bei einem Ordervolumen von 500 Euro pro Trade wurden fünf Onlinebroker mit „sehr gut“ ausgezeichnet:",[1703],{"start":1704,"end":1705,"type":1565},75,85,{"type":1560,"text":1707,"spans":1708,"direction":1035},"Smartbroker+ – 1,00 Euro pro Order bis 499,99 Euro, darüber kostenlos",[1709],{"start":24,"end":1710,"type":1565},12,{"type":1560,"text":1712,"spans":1713,"direction":1035},"Traders Place – 0,95 Euro pro Order bis 499,99 Euro, ab 500 Euro gebührenfrei",[1714],{"start":24,"end":1715,"type":1565},13,{"type":1560,"text":1717,"spans":1718,"direction":1035},"Scalable Capital – pauschal 0,99 Euro pro Order",[1719],{"start":24,"end":1720,"type":1565},16,{"type":1560,"text":1722,"spans":1723,"direction":1035},"Trade Republic – pauschal 1,00 Euro",[1724],{"start":24,"end":1564,"type":1565},{"type":1560,"text":1726,"spans":1727,"direction":1035},"N26 – keine Transaktionskosten",[1728],{"start":24,"end":1729,"type":1565},3,{"type":1032,"text":1731,"spans":1732,"direction":1035},"Alle ausgezeichneten Anbieter führen das Depot kostenlos, ebenso die Ausführung der Sparpläne. Unter den Geschäfts- und Direktbanken, konnte in dieser Kategorie die ING, sowie die 1822direkt mit einem „sehr gut“ überzeugen.",[1733,1735],{"start":1734,"end":1568,"type":1565},165,{"start":1736,"end":1737,"type":1565},180,191,{"type":1068,"text":1739,"spans":1740,"direction":1035},"Beste Broker bei hohen Transaktionsvolumen",[],{"type":1032,"text":1742,"spans":1743,"direction":1035},"Auch bei einem Ordervolumen von 10.000 Euro pro Trade überzeugen die gleichen fünf Anbieter mit Top-Konditionen. Zusätzlich erhielt Flatex die Bewertung „sehr gut“. Bei hohem Transaktionsvolumen überzeugte außerdem die ING und die Merkur Privatbank unter den Geschäfts- und Direktbanken.",[1744,1747,1750],{"start":1745,"end":1746,"type":1565},132,138,{"start":1748,"end":1749,"type":1565},219,223,{"start":1751,"end":1752,"type":1565},231,248,{"type":1068,"text":1754,"spans":1755,"direction":1035},"Onlinebroker bleiben klar im Vorteil",[],{"type":1032,"text":1757,"spans":1758,"direction":1035},"Die Auswertung zeigt: Neobroker und Onlinebroker bieten meist einheitlich niedrige Gebühren und kostenlose Depots. Geschäfts- und Direktbanken haben in den vergangenen Jahren aufgeholt, liegen preislich aber weiterhin höher. Onlinebroker arbeiten überwiegend mit Pauschalpreisen, wodurch die Kosten auch bei höheren Volumina stabil bleiben. Klassische Banken verlangen dagegen häufiger prozentuale Ordergebühren, die mit dem Anlagevolumen steigen.",[1759],{"start":1760,"end":1761,"type":1111,"data":1762},4,20,{"link_type":49,"url":1685,"target":52},{"type":1068,"text":1764,"spans":1765,"direction":1035},"Fazit: Günstig handeln zahlt sich aus",[],{"type":1032,"text":1767,"spans":1768,"direction":1035},"Die FMH-Auswertung zeigt, dass Anleger mit der richtigen Brokerwahl ihre Rendite deutlich verbessern können. Vor allem Online- und Neobroker punkten mit niedrigen Gebühren, kostenlosen Depots und attraktiven Sparplanangeboten.",[1769],{"start":1760,"end":1770,"type":1111,"data":1771},18,{"link_type":49,"url":1685,"target":52},{"type":1032,"text":1773,"spans":1774,"direction":1035},"\nDer FMH Depot-Vergleich liefert einen transparenten Überblick über alle getesteten Anbieter – unabhängig, aktuell und praxisnah.",[1775],{"start":1776,"end":1609,"type":1111,"data":1777},5,{"id":141,"type":107,"tags":1778,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],"text_block$a4f35377-565c-4bc7-ad79-5f0c205b7099","Broker-Vergleich: Die besten Anbieter für ETFs | FMH.de","ETF-Broker im Test: FMH & WirtschaftsWoche zeigen 2025 die besten Anbieter für geringe & hohe Ordervolumen. Jetzt günstig handeln.",{"dimensions":1783,"alt":1784,"copyright":5,"url":1785,"id":1665,"edit":1786},{"width":1120,"height":1121},"Hand legt Dominosteine, die das Wort ETF bilden","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQIvy7pReVYa3zOO_ETF-wuerfel.png?auto=format,compress&rect=0,128,1800,945&w=2400&h=1260",{"x":24,"y":1787,"zoom":25,"background":26},128,{"id":1789,"uid":1456,"url":1790,"type":319,"href":1791,"tags":1792,"first_publication_date":1793,"last_publication_date":1794,"slugs":1795,"linked_documents":1797,"lang":13,"alternate_languages":1798,"data":1799},"aMLyNBEAACIAioqJ","\u002Fartikel\u002Fdie-beste-depotbank-fuer-kleinanleger-2024-06","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyNBEAACIAioqJ%22%29+%5D%5D",[366,145],"2025-11-05T12:56:02+0000","2026-07-24T09:07:45+0000",[1796],"beste-konditionen-fur-kleinanleger",[],[],{"publication_date":1800,"last_edit_date":1800,"set_last_edit_date_today":45,"title":1801,"subtitle":1802,"breadcrumb_title":5,"topic":1803,"teaser":1806,"author":1810,"cover":1813,"cover_position":1053,"table_of_content":1054,"toc_calculator":1055,"toc_selection":1496,"carousel_topic_filter":1820,"slices":1821,"meta_title":1863,"meta_description":1864,"meta_image":1865,"meta_indexed":1125},"2024-06-13","Die besten Depots für Kleinanleger 2024","Kleine Beträge, große Chancen: Die Top-Depots für smarte Kleinanleger",{"id":1023,"type":1024,"tags":1804,"lang":13,"slug":1026,"first_publication_date":1027,"last_publication_date":1028,"uid":1026,"link_type":43,"key":1805,"isBroken":45},[],"5f5f38f5-8301-45e4-8d80-1f00e09362b7",[1807],{"type":1032,"text":1808,"spans":1809,"direction":1035},"Wenn man an Wertpapiergeschäfte und Depots denkt, kommen einem oft erfahrene Anleger in den Sinn, die mit großen Beträgen handeln. Doch auch viele Kleinanleger, die monatlich kleinere Beträge in Fonds, Aktien oder ETF-Sparpläne investieren, benötigen eine geeignete Bank für ihr Depot.",[],{"id":1653,"type":1038,"tags":1811,"lang":13,"slug":1655,"first_publication_date":1656,"last_publication_date":1657,"uid":1655,"link_type":43,"key":1812,"isBroken":45},[],"32ac4905-8e0e-4feb-9600-fcac1fef3f09",{"dimensions":1814,"alt":1816,"copyright":1140,"url":1817,"id":1818,"edit":1819},{"width":1047,"height":1815},667,"Junge hat eine Idee, Glühlampe leuchtet auf","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmKGGNHVfTPDiK_df27bebc536b74b1a78f7620e08a60cee0fab25e-Idee_Junge_Klein.jpg?auto=format,compress","aMLmKGGNHVfTPDiK",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":43},[1822],{"variation":1062,"version":1063,"items":1823,"primary":1824,"id":1862,"slice_type":1115,"slice_label":5},[],{"text":1825,"chart_alt":5},[1826,1829,1837,1845,1848,1851,1854],{"type":1068,"text":1827,"spans":1828,"direction":1035},"Beste Konditionen für Kleinanleger",[],{"type":1032,"text":1830,"spans":1831,"direction":1035},"Die FMH-Finanzberatung hat für ntv ermittelt, welche Banken für Kleinanleger die besten Konditionen bieten. Die FMH hat dabei zwischen Neo- und Onlinebrokern sowie Direkt- und Geschäftsbanken unterschieden. Neobroker sind in der Regel am günstigsten, da sie weitgehend ohne direkten Kundenkontakt arbeiten und auf Onlinegeschäfte spezialisiert sind. Direkt- und Geschäftsbanken bieten hingegen mehr Service und Beratung, was jedoch auch höhere Kosten verursacht.",[1832],{"start":1833,"end":1834,"type":1111,"data":1835},31,34,{"link_type":49,"url":1836,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FDas-sind-die-besten-Depotbanken-fuer-Kleinanleger-article25008966.html",{"type":1032,"text":1838,"spans":1839,"direction":1035},"Die Analyse der FMH umfasst nur Banken mit Depots, die Sparpläne anbieten, da Kleinanleger eher regelmäßig investieren möchten. Ein weiteres weiteres Kriterium war die Möglichkeit, in Aktiensparpläne zu investieren, was besonders für mutige Anleger interessant ist, die kleinere Beträge in ausgewählte Einzelaktien anlegen möchten.",[1840],{"start":1841,"end":1842,"type":1111,"data":1843},55,64,{"id":151,"type":107,"tags":1844,"lang":13,"slug":131,"first_publication_date":153,"last_publication_date":154,"uid":155,"url":156,"link_type":43,"isBroken":45},[109],{"type":1093,"text":1846,"spans":1847,"direction":1035},"Die besten Neo- und Onlinebroker",[],{"type":1032,"text":1849,"spans":1850,"direction":1035},"Bei den Neo- und Onlinebrokern wurden fünf Anbieter mit „sehr gut“ bewertet, die keine Depotkosten und sehr geringe Orderkosten bieten: Traders Place, finanzen.net zero, SMARTBROKER+, Scalable Capital und Trade Republic.",[],{"type":1093,"text":1852,"spans":1853,"direction":1035},"Die besten Direkt- und Geschäftsbanken",[],{"type":1032,"text":1855,"spans":1856,"direction":1035},"Unter den Direkt- und Geschäftsbanken haben sich drei Direktbanken – ING, 1822direkt, Consorsbank – und die Deutsche Bank, mit ihrem maxblue Depot, als beste Geschäftsbank ausgezeichnet. Alle vier Anbieter erhielten ein „sehr gut“.  Finden Sie das geeignete Depot in unserem FMH Depot-Vergleich.",[1857],{"start":1858,"end":1859,"type":1111,"data":1860},275,294,{"id":141,"type":107,"tags":1861,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],"text_block$ded0928c-fa73-4bbd-8f3b-18a58c40f80a","Beste Depotbank für Kleinanleger im Vergleich | FMH","Depotbanken für Kleinanleger 2024 im Vergleich: Entdecken Sie günstige Konditionen, flexible Sparpläne und passende Anbieter. Jetzt informieren.",{"dimensions":1866,"alt":1816,"copyright":1140,"url":1867,"id":1818,"edit":1868},{"width":1120,"height":1121},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmKGGNHVfTPDiK_df27bebc536b74b1a78f7620e08a60cee0fab25e-Idee_Junge_Klein.jpg?auto=format%2Ccompress&rect=0%2C0%2C1000%2C525&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":330,"uid":335,"url":336,"type":319,"href":1870,"tags":1871,"first_publication_date":333,"last_publication_date":334,"slugs":1872,"linked_documents":1873,"lang":13,"alternate_languages":1874,"data":1875},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22acVE0BEAAB8Apqh6%22%29+%5D%5D",[],[332],[],[],{"publication_date":1876,"last_edit_date":1876,"set_last_edit_date_today":45,"title":338,"subtitle":1877,"breadcrumb_title":5,"topic":1878,"teaser":1881,"author":1885,"cover":1888,"cover_position":1053,"table_of_content":1054,"toc_calculator":1055,"toc_selection":1056,"carousel_topic_filter":1895,"slices":1898,"meta_title":1988,"meta_description":1989,"meta_image":1990,"meta_indexed":1125},"2026-03-27","Warum steigen im Moment die Zinsen für kurzfristige Festgeldanlagen?",{"id":1023,"type":1024,"tags":1879,"lang":13,"slug":1026,"first_publication_date":1027,"last_publication_date":1028,"uid":1026,"link_type":43,"key":1880,"isBroken":45},[],"4c408a1d-e002-44e4-b4d8-659e4fa16142",[1882],{"type":1032,"text":1883,"spans":1884,"direction":1035},"Nicht nur in der Weltpolitik scheinen die alten Gewissheiten derzeit wenig zu gelten. Auch auf dem Zinsmarkt gibt es aktuell erstaunliche Dynamiken. Wir haben genau hingeschaut, eine Erklärung gefunden – und eine Anlagestrategie für konservative Sparer entwickelt.",[],{"id":1037,"type":1038,"tags":1886,"lang":13,"slug":1040,"first_publication_date":1041,"last_publication_date":1042,"uid":1040,"link_type":43,"key":1887,"isBroken":45},[],"35a20f50-e55e-4d82-af71-ca5586b898c0",{"dimensions":1889,"alt":1890,"copyright":1891,"url":1892,"id":1893,"edit":1894},{"width":1046,"height":1047},"Soldat schaut auf Hubschrauber","shutterstock, Maria Taran","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FacVMV5GXnQHGZAPg_Soldat-schaut-auf-Hubschrauber.jpg?auto=format,compress","acVMV5GXnQHGZAPg",{"x":24,"y":24,"zoom":25,"background":26},{"id":1023,"type":1024,"tags":1896,"lang":13,"slug":1026,"first_publication_date":1027,"last_publication_date":1028,"uid":1026,"link_type":43,"key":1897,"isBroken":45},[],"0a3e8dc5-d162-48a4-bb04-12bc2253ce58",[1899,1924,1938],{"variation":1062,"version":1063,"items":1900,"primary":1901,"id":1923,"slice_type":1115,"slice_label":5},[],{"text":1902,"chart_alt":5},[1903,1906,1909,1911,1914,1917,1920],{"type":1032,"text":1904,"spans":1905,"direction":1035},"Eigentlich ist es ja so, dass die Renditen festverzinslicher Geldanlagen mit der Dauer der Festlegung steigen.  Festgeld, mit dem eine Bank zehn Jahre lang planen kann, ist daher rentabler als einjähriges Festgeld. Zumindest war dies früher meist der Fall.  ",[],{"type":1032,"text":1907,"spans":1908,"direction":1035},"In der jüngeren Vergangenheit haben sich viele alte Gewissheiten aber verschoben. Und weil wir bei der FMH-Finanzberatung seit mehr als 40 Jahren Zinsvergleiche anstellen, haben wir sogar die Daten, um diese Verschiebungen grafisch darzustellen.",[],{"type":1032,"text":1521,"spans":1910,"direction":1035},[],{"type":1068,"text":1912,"spans":1913,"direction":1035},"Historische Rückblicke",[],{"type":1032,"text":1915,"spans":1916,"direction":1035},"Die Geschichte wiederholt sich, auch wenn sich die Auslöser unterscheiden. Den ersten bemerkenswerten Anstieg bei einjährigen Festgeldanlagen haben wir im Oktober 2008 gesehen. Die Pleite der amerikanischen Investmentbank Lehmann Brothers markierte den Höhepunkt der globalen Finanzkrise – und beeinflusste damit auch den deutschen Markt.",[],{"type":1032,"text":1918,"spans":1919,"direction":1035},"Das zweite dramatische Ereignis, das (auch) den deutschen Zinsmarkt zu solch ungewöhnlichen Entwicklungen veranlasste, war der russische Angriffskrieg in der Ukraine. Als die Energiekrise im Dezember 2023 spürbar wurde, zeigten unsere Daten erneut einen Anstieg bei den kurzfristigen Festgeldern.",[],{"type":1032,"text":1921,"spans":1922,"direction":1035},"Und auch heute stehen wir wieder an einem Wendepunkt. Der Krieg im Iran und dem mittleren Osten schürt erneut die Sorge vor einer Energiekrise. Die Ölpreise von einem Höchststand zum nächsten - und man muss kein Prophet sein, um vorherzusagen, dass die Inflation wieder steigen und das Wirtschaftswachstum zurückgehen wird.  ",[],"text_block$048451c6-29ea-4a2d-a414-241e40724a46",{"variation":1062,"version":1063,"items":1925,"primary":1926,"id":1937,"slice_type":1115,"slice_label":5},[],{"text":1927,"chart_alt":1936},[1928],{"type":1929,"oembed":1930},"embed",{"embed_url":1931,"type":1932,"version":1933,"provider_name":1934,"thumbnail_url":1931,"html":1935,"url":1931},"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002Ff81eb407-3228-4750-833e-69a3d3c6f508\u002F","rich","1.0","static_image","\u003Cdiv data-type=\"static_image\">\u003Cimg src=\"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002Ff81eb407-3228-4750-833e-69a3d3c6f508\u002F\">\u003C\u002Fdiv>","Zinsentwicklung beim Festgeld seit Mitte der 1990er Jahre","text_block$229632eb-dd11-4851-a51d-4de3334ee33b",{"variation":1062,"version":1063,"items":1939,"primary":1940,"id":1987,"slice_type":1115,"slice_label":5},[],{"text":1941,"chart_alt":5},[1942,1945,1948,1950,1953,1956,1959,1962,1965,1967,1970,1978,1981,1984],{"type":1068,"text":1943,"spans":1944,"direction":1035},"Die Psychologie hinter kurzen Laufzeiten",[],{"type":1032,"text":1946,"spans":1947,"direction":1035},"Doch warum steigen in Krisenzeiten die Zinsen auf kurzfristige Geldanlagen? In unsicheren Zeiten sehnen sich viele Anleger nach Planbarkeit.  Und wollen sich die aktuellen Zinsen möglichst lange sichern. Viele tun dies vielleicht auch in der Erwartung, dass die Krisen bald wieder vorbei sind – und sie dann auch in guten Zeiten von den aktuell recht hohen Renditen profitieren. Weil die Nachfrage nach langlaufenden Festgeldern deshalb aber immens hoch ist, sinken die Renditen in diesem Bereich. Und wir sehen stattdessen steigende Zinsen in den Segmenten, in denen die Banken dringender auf Kundengelder angewiesen sind: den weniger gefragten, kurzfristigeren Festgeldanlagen.",[],{"type":1032,"text":1521,"spans":1949,"direction":1035},[],{"type":1068,"text":1951,"spans":1952,"direction":1035},"Und wenn die Zinsen auf langfristige Anlagen doch wieder steigen?",[],{"type":1032,"text":1954,"spans":1955,"direction":1035},"Anleger, die auf der Suche nach der richtigen, festverzinslichen Geldanlage sind, stehen derzeit also vor einem Dilemma: Einerseits ist es verständlich, nicht benötigte Ersparnisse langfristig anlegen zu wollen, um Planungssicherheit zu haben.",[],{"type":1032,"text":1957,"spans":1958,"direction":1035},"Was den Ertrag angeht, ist dieses Vorgehen allerdings nicht unbedingt empfehlenswert. Vor allem, wenn man, aus nachvollziehbaren Gründen eine Inflationsrate (weit) oberhalb der Zwei-Prozent-Marke erwartet: Selbst, wenn man drei Prozent Rendite für zehnjähriges Festgeld bekommt, wäre die Realverzinsung bei 2,5 Prozent Inflation nur minimal. Bei noch höheren Teuerungsraten könnten Sparer mit ihrer Festgeldanlage sogar reale Verluste einfahren.",[],{"type":1032,"text":1960,"spans":1961,"direction":1035},"Ebenfalls nachvollziehbar ist der Ansatz, abzuwarten, zu beobachten und auf dem Höhepunkt des Zinswachstums ein Festgeldkonto zu eröffnen, kurz bevor es wieder abwärts geht. Dieses Poker kann sich zwar rentieren – er kann aber auch böse nach hinten losgehen.",[],{"type":1032,"text":1963,"spans":1964,"direction":1035},"Denn wenn viele Sparer so verfahren, werden die Banken die länger laufenden Festgelder bei hoher Nachfrage geringer verzinsen als die kurzfristigen Angebote. Wer dann über Monate hinweg sein Geld auf dem Girokonto oder einem schlecht verzinsten Tagesgeldkonto parkt, könnte sich verkalkuliert haben.",[],{"type":1032,"text":1521,"spans":1966,"direction":1035},[],{"type":1068,"text":1968,"spans":1969,"direction":1035},"Strategie-Check von fmh.de",[],{"type":1032,"text":1971,"spans":1972,"direction":1035},"Mit unserem Rechner \"Anlage-Duell\" können sie solche Überlegungen mathematisch überprüfen.",[1973],{"start":1974,"end":1975,"type":1111,"data":1976},21,33,{"link_type":49,"url":1977,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Frechner\u002Fanlage-duell",{"type":1032,"text":1979,"spans":1980,"direction":1035},"Ein Beispiel:",[],{"type":1032,"text":1982,"spans":1983,"direction":1035},"Ihr aktueller Tagegeldzins beträgt 0,75 Prozent. Wenn Sie stattdessen das beste Festgeldangebot aus der FMH-Datenbank mit fünf Jahren Laufzeit wählen (Stand 25.03.2026) können Sie dafür sofort einen Zins von 3,05 Prozent erhalten. Wer abwartet, ob die Zinsen steigen, muss also darauf spekulieren, dass der Zins fürs fünfjährige Festgeld in nur drei Monaten auf 3,18 Prozent steigt. Bleibt die Rendite unter diesem Wert, war das Warten ein Verlustgeschäft.",[],{"type":1032,"text":1985,"spans":1986,"direction":1035},"Unser Fazit: Ein gutes Festgeld mit drei Jahren Laufzeit ist derzeit eine solide Option. Sparer mit einem längerfristigen Anlagehorizont sollten hingegen sehr genau überlegen, ob festverzinsliche Anlagen wirklich das Richtige sind. In diesem Segment gibt es wesentlich lukrativere Anlageformen – bei überschaubaren Risiken.",[],"text_block$9b020c04-4994-4c80-b5ee-8364f7d2487d","Festgeld-Zinsen: Warum kurze Laufzeiten boomen | FMH","Erfahren Sie, wie Krisen die Zinskurve invertieren und welche Anlagestrategie FMH-Experten jetzt für 2026 empfehlen.",{},{"id":353,"uid":358,"url":359,"type":319,"href":1992,"tags":1993,"first_publication_date":356,"last_publication_date":357,"slugs":1994,"linked_documents":1995,"lang":13,"alternate_languages":1996,"data":1997},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ad5OIBIAACMAN7qY%22%29+%5D%5D",[],[355],[],[],{"publication_date":1998,"last_edit_date":1998,"set_last_edit_date_today":45,"title":361,"subtitle":1999,"breadcrumb_title":5,"topic":2000,"teaser":2003,"author":2012,"cover":2015,"cover_position":1053,"table_of_content":1054,"toc_calculator":1055,"toc_selection":1496,"carousel_topic_filter":2022,"slices":2025,"meta_title":2205,"meta_description":2206,"meta_image":2207,"meta_indexed":1125},"2026-04-14","Entspannt investieren und langfristig profitieren",{"id":1023,"type":1024,"tags":2001,"lang":13,"slug":1026,"first_publication_date":1027,"last_publication_date":1028,"uid":1026,"link_type":43,"key":2002,"isBroken":45},[],"f77656ba-3116-4dd7-b019-6a450e9aab76",[2004],{"type":1032,"text":2005,"spans":2006,"direction":1035},"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. ",[2007],{"start":2008,"end":2009,"type":1111,"data":2010},196,212,{"link_type":49,"url":2011,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Fdigitale-vermoegensverwalter-im-vergleich-die-besten-robo-advisor-fuer-sparer\u002F100213229.html",{"id":1653,"type":1038,"tags":2013,"lang":13,"slug":1655,"first_publication_date":1656,"last_publication_date":1657,"uid":1655,"link_type":43,"key":2014,"isBroken":45},[],"0049b39d-d493-4e8a-8bef-3e49f5cbf464",{"dimensions":2016,"alt":2017,"copyright":2018,"url":2019,"id":2020,"edit":2021},{"width":1046,"height":1047},"Modisches weibliches Model in einem silbernen Kleid, Sonnenbrille und Kopfhörer","Jacob Lund, shutterstock","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":1023,"type":1024,"tags":2023,"lang":13,"slug":1026,"first_publication_date":1027,"last_publication_date":1028,"uid":1026,"link_type":43,"key":2024,"isBroken":45},[],"d63ecb18-18b6-411a-a669-61a25df22af7",[2026],{"variation":1062,"version":1063,"items":2027,"primary":2028,"id":2204,"slice_type":1115,"slice_label":5},[],{"text":2029,"chart_alt":5},[2030,2033,2036,2039,2041,2044,2047,2050,2052,2055,2058,2060,2063,2065,2068,2074,2077,2079,2082,2085,2088,2091,2093,2096,2098,2101,2107,2109,2114,2118,2123,2127,2129,2132,2135,2137,2140,2145,2147,2150,2153,2157,2161,2163,2166,2169,2171,2174,2177,2180,2182,2185,2188,2191,2194,2202],{"type":1068,"text":2031,"spans":2032,"direction":1035},"Warum Sparpläne so beliebt sind",[],{"type":1032,"text":2034,"spans":2035,"direction":1035},"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":1032,"text":2037,"spans":2038,"direction":1035},"Ein großer Vorteil: Die Sparrate lässt sich jederzeit anpassen. Dadurch bleibt die Geldanlage flexibel – auch wenn sich die persönliche finanzielle Situation verändert.",[],{"type":1032,"text":1521,"spans":2040,"direction":1035},[],{"type":1068,"text":2042,"spans":2043,"direction":1035},"Robo-Advisor setzen verstärkt auf Sparpläne",[],{"type":1032,"text":2045,"spans":2046,"direction":1035},"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":1032,"text":2048,"spans":2049,"direction":1035},"Zur Auswahl stehen in der Regel:",[],{"type":1032,"text":1521,"spans":2051,"direction":1035},[],{"type":1560,"text":2053,"spans":2054,"direction":1035},"Klassische Strategien mit Fokus auf Rendite ",[],{"type":1560,"text":2056,"spans":2057,"direction":1035},"Nachhaltige Strategien mit ESG-Ausrichtung ",[],{"type":1032,"text":1521,"spans":2059,"direction":1035},[],{"type":1032,"text":2061,"spans":2062,"direction":1035},"Je nach Anlageziel wird das Kapital unterschiedlich auf Aktien, Anleihen und weitere Anlageklassen verteilt.",[],{"type":1032,"text":1521,"spans":2064,"direction":1035},[],{"type":1068,"text":2066,"spans":2067,"direction":1035},"So wurde bewertet",[],{"type":1032,"text":2069,"spans":2070,"direction":1035},"Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche 18 Robo-Advisor analysiert.",[2071],{"start":1613,"end":1705,"type":1111,"data":2072},{"link_type":49,"url":2073,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-robo-advisor-mit-sparplan",{"type":1032,"text":2075,"spans":2076,"direction":1035},"Bewertet wurden:",[],{"type":1032,"text":1521,"spans":2078,"direction":1035},[],{"type":1560,"text":2080,"spans":2081,"direction":1035},"Performance der Strategien für das Jahr 2025 ",[],{"type":1560,"text":2083,"spans":2084,"direction":1035},"Höhe der Mindestsparrate ",[],{"type":1560,"text":2086,"spans":2087,"direction":1035},"Servicegebühren ",[],{"type":1560,"text":2089,"spans":2090,"direction":1035},"Möglichkeit von Kindersparplänen ",[],{"type":1032,"text":1521,"spans":2092,"direction":1035},[],{"type":1032,"text":2094,"spans":2095,"direction":1035},"Die Auswertung erfolgte für klassische und nachhaltige Strategien mit einem Aktienanteil von 50 bis 60 Prozent.",[],{"type":1032,"text":1521,"spans":2097,"direction":1035},[],{"type":1093,"text":2099,"spans":2100,"direction":1035},"Die besten Robo-Advisor für klassische Sparpläne",[],{"type":1032,"text":2102,"spans":2103,"direction":1035},"In dieser Kategorie erhielten vier Anbieter die Bewertung „sehr gut“:",[2104],{"start":2105,"end":2106,"type":1565},58,68,{"type":1032,"text":1521,"spans":2108,"direction":1035},[],{"type":1560,"text":2110,"spans":2111,"direction":1035},"quirion",[2112],{"start":24,"end":2113,"type":1565},7,{"type":1560,"text":2115,"spans":2116,"direction":1035},"VisualVest",[2117],{"start":24,"end":1607,"type":1565},{"type":1560,"text":2119,"spans":2120,"direction":1035},"Raisin ",[2121],{"start":24,"end":2122,"type":1565},6,{"type":1560,"text":2124,"spans":2125,"direction":1035},"bevestor ",[2126],{"start":24,"end":1682,"type":1565},{"type":1032,"text":1521,"spans":2128,"direction":1035},[],{"type":1032,"text":2130,"spans":2131,"direction":1035},"Alle Anbieter ermöglichen den Einstieg bereits ab 25 Euro monatlich. Unterschiede zeigen sich vor allem bei Kosten und Rendite.",[],{"type":1032,"text":2133,"spans":2134,"direction":1035},"Die durchschnittliche Performance der getesteten Anbieter lag unter dem Vorjahresniveau. Insgesamt fiel die Rendite niedriger aus, blieb aber positiv.",[],{"type":1032,"text":1521,"spans":2136,"direction":1035},[],{"type":1093,"text":2138,"spans":2139,"direction":1035},"Die besten nachhaltigen Robo-Advisor",[],{"type":1032,"text":2141,"spans":2142,"direction":1035},"Auch bei nachhaltigen Strategien wurden vier Anbieter mit einem „sehr gut“ ausgezeichnet:",[2143],{"start":1842,"end":2144,"type":1565},74,{"type":1032,"text":1521,"spans":2146,"direction":1035},[],{"type":1560,"text":2110,"spans":2148,"direction":1035},[2149],{"start":24,"end":2113,"type":1565},{"type":1560,"text":2115,"spans":2151,"direction":1035},[2152],{"start":24,"end":1607,"type":1565},{"type":1560,"text":2154,"spans":2155,"direction":1035},"Ginmon",[2156],{"start":24,"end":2122,"type":1565},{"type":1560,"text":2158,"spans":2159,"direction":1035},"bevestor",[2160],{"start":24,"end":1682,"type":1565},{"type":1032,"text":1521,"spans":2162,"direction":1035},[],{"type":1032,"text":2164,"spans":2165,"direction":1035},"Das Angebot nachhaltiger ETFs ist in den vergangenen Jahren deutlich gewachsen. Dadurch sind nachhaltige Strategien heute häufig ähnlich kostengünstig wie klassische Varianten.",[],{"type":1032,"text":2167,"spans":2168,"direction":1035},"Die erzielten Renditen lagen im Schnitt unter denen klassischer Strategien, blieben jedoch stabil.",[],{"type":1032,"text":1521,"spans":2170,"direction":1035},[],{"type":1068,"text":2172,"spans":2173,"direction":1035},"Kindersparpläne gewinnen an Bedeutung",[],{"type":1032,"text":2175,"spans":2176,"direction":1035},"Ein wachsender Trend sind Sparpläne für Kinder. Viele Anbieter ermöglichen es, Depots auf den Namen des Kindes einzurichten und regelmäßig zu besparen.",[],{"type":1032,"text":2178,"spans":2179,"direction":1035},"Das Ziel: frühzeitig Vermögen aufbauen und langfristig vom Zinseszinseffekt profitieren.",[],{"type":1032,"text":1521,"spans":2181,"direction":1035},[],{"type":1068,"text":2183,"spans":2184,"direction":1035},"Fazit: Automatisiert investieren zahlt sich aus",[],{"type":1032,"text":2186,"spans":2187,"direction":1035},"Die Auswertung der FMH-Finanzberatung im Auftrag der WirtschaftsWoche zeigt:",[],{"type":1032,"text":2189,"spans":2190,"direction":1035},"Robo-Advisor mit Sparplanfunktion bieten eine einfache und strukturierte Möglichkeit, langfristig Vermögen aufzubauen.",[],{"type":1032,"text":2192,"spans":2193,"direction":1035},"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":1032,"text":2195,"spans":2196,"direction":1035},"Der FMH-Robo-Advisor-Vergleich bietet einen transparenten Überblick über die besten Anbieter 2026.",[2197],{"start":1760,"end":2198,"type":1111,"data":2199},30,{"link_type":49,"url":2200,"target":2201},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Fangebote-vergleichen\u002Frobo-advisor","_self",{"type":1032,"text":1521,"spans":2203,"direction":1035},[],"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. 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Obendrein gibt’s auch noch Geld als Wohnungsbauprämie, für Denkmalschutz-Abschreibung, Kindergeld und Riester-Förderung. 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Die ING und die Santander konnten sich ebenfalls von Ihren Mitbewerbern absetzen und erhielten beide die Bewertung „sehr gut“.",[],{"type":1068,"text":4117,"spans":4118,"direction":1035},"Die besten Broker bei hohen Transaktionsvolumen",[],{"type":1032,"text":4120,"spans":4121,"direction":1035},"Scalable Capital, Trade Republic, Traders Place, finanzen.net zero, Smartbroker+, flatex und XTB erhielten ebenfalls die Note ‘sehr gut’ unter den Online-Brokern. Bei den Geschäftsbanken überzeugten die DKB Deutsche Kreditbank und die Santander mit einem „sehr gut“.",[],{"type":1032,"text":4123,"spans":4124,"direction":1035},"Sind Sie noch unentschlossen, welches Depot das richtige für Sie ist? Finden Sie das passende Depot für Ihre Ansprüche in unserem Depot-Vergleich.",[4125],{"start":4126,"end":4127,"type":1111,"data":4128},130,146,{"id":141,"type":107,"tags":4129,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],"text_block$10604936-b275-42a8-8212-0c8856377dcf","ETF-Broker im Vergleich: Die besten für Anleger | FMH","Die besten Broker für ETF-Anleger im Vergleich: FMH prüft Top-Anbieter und zeigt, welches Depot zu Ihren ETFs passt. Jetzt Ergebnisse entdecken.",{"dimensions":4134,"alt":4075,"copyright":1140,"url":4135,"id":4077,"edit":4136},{"width":1120,"height":1121},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLl6mGNHVfTPDhZ_c90e26a0d601b374c986dbad43a6a013b8bb1f62-skydiver-deluxe.jpg?auto=format%2Ccompress&rect=0%2C0%2C1500%2C788&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26},{"id":4138,"uid":1459,"url":4139,"type":319,"href":4140,"tags":4141,"first_publication_date":4142,"last_publication_date":4143,"slugs":4144,"linked_documents":4146,"lang":13,"alternate_languages":4147,"data":4148},"aQR2jhIAACUAI411","\u002Fartikel\u002Fdie-besten-robo-advisor-2025-07","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aQR2jhIAACUAI411%22%29+%5D%5D",[366,166],"2025-10-31T08:44:28+0000","2026-10-16T09:34:21+0000",[4145],"warum-robo-advisor-immer-beliebter-werden",[],[],{"publication_date":4149,"last_edit_date":1643,"set_last_edit_date_today":45,"title":4150,"subtitle":4151,"breadcrumb_title":5,"topic":4152,"teaser":4155,"author":4164,"cover":4167,"cover_position":1053,"table_of_content":1054,"toc_calculator":1055,"toc_selection":1496,"carousel_topic_filter":4173,"slices":4176,"meta_title":4330,"meta_description":4331,"meta_image":4332,"meta_indexed":1125},"2025-07-23","Diese Robo-Advisor hatten in den letzten drei Jahren die beste Performance","Digitale Vermögensverwaltung mit Köpfchen",{"id":1023,"type":1024,"tags":4153,"lang":13,"slug":1026,"first_publication_date":1027,"last_publication_date":1028,"uid":1026,"link_type":43,"key":4154,"isBroken":45},[],"2fe204b0-8646-4fd5-b6fe-807a88bfffbe",[4156],{"type":1032,"text":4157,"spans":4158,"direction":1035},"Digitale Anlagehelfer sind gefragt wie nie. Robo-Advisor verwalten Portfolios automatisch, auf Basis von Algorithmen und klaren Strategien. Im Auftrag von ntv hat die FMH-Finanzberatung untersucht, welche Anbieter 2025 mit überzeugender Performance, fairen Kosten und smarten Services punkten.",[4159],{"start":4160,"end":4161,"type":1111,"data":4162},155,158,{"link_type":49,"url":4163,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FWas-koennen-Robo-Advisor-und-wo-gibt-es-die-besten-Angebote-article25918754.html",{"id":4067,"type":1038,"tags":4165,"lang":13,"slug":4069,"first_publication_date":4070,"last_publication_date":4071,"uid":4069,"link_type":43,"key":4166,"isBroken":45},[],"e6dab729-2cab-4f5e-b8c5-4d81e750a20c",{"dimensions":4168,"alt":4169,"copyright":5,"url":4170,"id":4171,"edit":4172},{"width":1047,"height":1815},"Mädchen mit Roboter","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQSLoLpReVYa331t_Kind-mit-Roboter.jpg?auto=format,compress","aQSLoLpReVYa331t",{"x":24,"y":24,"zoom":25,"background":26},{"id":1023,"type":1024,"tags":4174,"lang":13,"slug":1026,"first_publication_date":1027,"last_publication_date":1028,"uid":1026,"link_type":43,"key":4175,"isBroken":45},[],"7a6526f0-4a52-4081-8257-05ed220770ed",[4177],{"variation":1062,"version":1063,"items":4178,"primary":4179,"id":4329,"slice_type":1115,"slice_label":5},[],{"text":4180,"chart_alt":5},[4181,4184,4187,4190,4193,4201,4204,4207,4210,4213,4216,4219,4222,4225,4228,4234,4238,4241,4246,4250,4254,4258,4262,4267,4270,4273,4276,4279,4284,4288,4291,4294,4298,4301,4304,4308,4311,4314,4317,4323],{"type":1068,"text":4182,"spans":4183,"direction":1035},"Warum Robo-Advisor immer beliebter werden",[],{"type":1032,"text":4185,"spans":4186,"direction":1035},"In einem Umfeld sinkender Zinsen und unsicherer Märkte suchen viele Anleger nach Alternativen zu klassischen Sparformen. Digitale Vermögensverwalter, sogenannte Robo-Advisor, setzen hier an: Sie treffen Anlageentscheidungen automatisiert, abgestimmt auf Risikoprofil, Anlageziel und Zeithorizont des Kunden.",[],{"type":1032,"text":4188,"spans":4189,"direction":1035},"So entstehen Portfolios, die regelmäßig überprüft und angepasst werden. Der Vorteil: Emotionen bleiben außen vor, und auch Einsteiger können vom Kapitalmarkt profitieren - mit geringen Einstiegshürden und transparenten Kosten.",[],{"type":1068,"text":4191,"spans":4192,"direction":1035},"Was untersucht wurde",[],{"type":1032,"text":4194,"spans":4195,"direction":1035},"Die FMH-Finanzberatung hat im Auftrag von ntv insgesamt 22 Robo-Advisor analysiert. Bewertet wurden:",[4196],{"start":4197,"end":4198,"type":1111,"data":4199},56,82,{"link_type":49,"url":4200,"target":52},"https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2025\u002Fdie-besten-robo-advisor",{"type":1560,"text":4202,"spans":4203,"direction":1035},"Laufende Performance-Daten der letzten drei Jahre",[],{"type":1560,"text":4205,"spans":4206,"direction":1035},"Transaktions- und Verwaltungskosten",[],{"type":1560,"text":4208,"spans":4209,"direction":1035},"Servicegebühren und Mindestanlagebeträge",[],{"type":1560,"text":4211,"spans":4212,"direction":1035},"Möglichkeiten für Auszahlpläne",[],{"type":1032,"text":4214,"spans":4215,"direction":1035},"Die Auswertung basierte auf einem Anlageprofil mit 40 bis 60 Prozent Aktienanteil, einem typischen ausgewogenen Risiko. Berücksichtigt wurde die Performance nach Kosten, also nach Abzug aller Gebühren, um ein realistisches Bild der Renditen zu erhalten.",[],{"type":1068,"text":4217,"spans":4218,"direction":1035},"So haben die Robo-Advisor abgeschnitten",[],{"type":1032,"text":4220,"spans":4221,"direction":1035},"Im Durchschnitt erzielten die Anbieter im vergangenen Jahr eine Performance von 4,50 % bei klassischen Strategien. Die Dreijahresperformance lag im Schnitt bei 20,36 % bei klassischen Strategien, Spitzenwerte erreichten über 25 Prozent.",[],{"type":1032,"text":4223,"spans":4224,"direction":1035},"Diese Ergebnisse zeigen: Robo-Advisor sind längst nicht mehr nur eine digitale Spielerei - sie können über längere Zeiträume hinweg solide Erträge liefern.",[],{"type":1093,"text":4226,"spans":4227,"direction":1035},"Die besten Anbieter bei einer klassischen Strategie",[],{"type":1032,"text":4229,"spans":4230,"direction":1035},"In der Gesamtbewertung aus Performance, Kostenstruktur und Serviceangebot überzeugten besonders folgende Anbieter mit der Bestnote „sehr gut“:",[4231],{"start":4232,"end":4233,"type":1565},131,141,{"type":1560,"text":4235,"spans":4236,"direction":1035},"Minveo",[4237],{"start":24,"end":2122,"type":1565},{"type":1560,"text":2110,"spans":4239,"direction":1035},[4240],{"start":24,"end":2113,"type":1565},{"type":1560,"text":4242,"spans":4243,"direction":1035},"easyfolio",[4244],{"start":24,"end":4245,"type":1565},9,{"type":1560,"text":4247,"spans":4248,"direction":1035},"froots",[4249],{"start":24,"end":2122,"type":1565},{"type":1560,"text":4251,"spans":4252,"direction":1035},"cominvest",[4253],{"start":24,"end":4245,"type":1565},{"type":1560,"text":4255,"spans":4256,"direction":1035},"growney",[4257],{"start":24,"end":2113,"type":1565},{"type":1560,"text":4259,"spans":4260,"direction":1035},"MorgenFund",[4261],{"start":24,"end":1607,"type":1565},{"type":1560,"text":4263,"spans":4264,"direction":1035},"Scalable Wealth",[4265],{"start":24,"end":4266,"type":1565},15,{"type":1032,"text":4268,"spans":4269,"direction":1035},"Diese Robo-Advisor boten nicht nur überdurchschnittliche Renditen, sondern auch faire Gebührenmodelle, flexible Auszahlpläne und transparente Konditionen.",[],{"type":1093,"text":4271,"spans":4272,"direction":1035},"Nachhaltige Geldanlage im Aufwind",[],{"type":1032,"text":4274,"spans":4275,"direction":1035},"Auch Anleger, die auf Nachhaltigkeit achten, müssen laut FMH-Auswertung keine Renditeeinbußen hinnehmen.\nDer Durchschnittsertrag bei nachhaltigen Portfolios lag bei 3,98 Prozent im Jahresvergleich, 13,67 Prozent über zwei Jahre und 16,79 Prozent über drei Jahre.",[],{"type":1032,"text":4277,"spans":4278,"direction":1035},"Besonders auffällig: Die meisten nachhaltigen Anbieter lagen leistungsmäßig eng beieinander, ein Hinweis auf ein gereiftes Marktsegment.",[],{"type":1032,"text":4280,"spans":4281,"direction":1035},"Mit der Bewertung „sehr gut“ ausgezeichnet wurden die nachhaltigen Strategien von:",[4282],{"start":1770,"end":4283,"type":1565},28,{"type":1560,"text":4285,"spans":4286,"direction":1035},"cominvest (comdirect)",[4287],{"start":24,"end":1607,"type":1565},{"type":1560,"text":4259,"spans":4289,"direction":1035},[4290],{"start":24,"end":1607,"type":1565},{"type":1560,"text":2110,"spans":4292,"direction":1035},[4293],{"start":24,"end":2113,"type":1565},{"type":1560,"text":4295,"spans":4296,"direction":1035},"easyfolio Green",[4297],{"start":24,"end":4266,"type":1565},{"type":1560,"text":2158,"spans":4299,"direction":1035},[4300],{"start":24,"end":1682,"type":1565},{"type":1560,"text":2115,"spans":4302,"direction":1035},[4303],{"start":24,"end":1607,"type":1565},{"type":1560,"text":4305,"spans":4306,"direction":1035},"Evergreen",[4307],{"start":24,"end":4245,"type":1565},{"type":1560,"text":4263,"spans":4309,"direction":1035},[4310],{"start":24,"end":4266,"type":1565},{"type":1032,"text":4312,"spans":4313,"direction":1035},"Nachhaltiges Investieren und attraktive Renditen schließen sich also nicht aus – viele Anbieter kombinieren beides überzeugend.",[],{"type":1068,"text":4315,"spans":4316,"direction":1035},"Fazit: Robo-Advisor bleiben auf Wachstumskurs",[],{"type":1032,"text":4318,"spans":4319,"direction":1035},"Die Auswertung der FMH-Finanzberatung im Auftrag von ntv zeigt: Digitale Vermögensverwaltung kann klassische Anlageberatung in puncto Kosten und Effizienz deutlich schlagen. Wer langfristig investiert und auf strukturierte, datengestützte Entscheidungen setzt, findet bei den getesteten Robo-Advisors eine breite Auswahl leistungsstarker Anbieter.\nBesonders positiv: Auch nachhaltige Strategien entwickeln sich zunehmend rentabel und machen digitales Investieren noch zukunftsfähiger.",[4320],{"start":1760,"end":4321,"type":1111,"data":4322},37,{"link_type":49,"url":4200,"target":52},{"type":1032,"text":4324,"spans":4325,"direction":1035},"Der FMH Robo-Advisor-Vergleich bietet einen unabhängigen Überblick über alle bewerteten Anbieter – transparent, aktuell und objektiv.",[4326],{"start":1760,"end":2198,"type":1111,"data":4327},{"id":161,"type":107,"tags":4328,"lang":13,"slug":163,"first_publication_date":164,"last_publication_date":165,"uid":166,"url":167,"link_type":43,"isBroken":45},[109],"text_block$f06bba89-7746-45ad-a00b-9026441502f8","Robo-Advisor im Vergleich: Die besten Anbieter | FMH","Die besten Robo-Advisor 2025 im Vergleich: FMH und ntv bewerten Performance, Kosten und nachhaltige Strategien. Jetzt digital investieren.",{"dimensions":4333,"alt":4169,"copyright":5,"url":4334,"id":4171,"edit":4335},{"width":1120,"height":1121},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQSLoLpReVYa331t_Kind-mit-Roboter.jpg?auto=format,compress&rect=0,71,1000,525&w=2400&h=1260",{"x":24,"y":2232,"zoom":25,"background":26},{"id":4337,"uid":1460,"url":4338,"type":319,"href":4339,"tags":4340,"first_publication_date":4342,"last_publication_date":4343,"slugs":4344,"linked_documents":4346,"lang":13,"alternate_languages":4347,"data":4348},"aMLyAREAACIAiooV","\u002Fartikel\u002Fdie-besten-goldsparplaene-2023-12","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLyAREAACIAiooV%22%29+%5D%5D",[366,4341],"goldsparplaene","2025-11-05T14:24:13+0000","2026-07-24T08:37:07+0000",[4345],"in-kleinen-schritten-zum-ersten-goldstuck",[],[],{"publication_date":4349,"last_edit_date":4349,"set_last_edit_date_today":45,"title":4350,"subtitle":4351,"breadcrumb_title":5,"topic":4352,"teaser":4355,"author":4359,"cover":4362,"cover_position":1053,"table_of_content":1054,"toc_calculator":1055,"toc_selection":1496,"carousel_topic_filter":4370,"slices":4371,"meta_title":4421,"meta_description":4422,"meta_image":4423,"meta_indexed":1125},"2023-12-11","Die besten Goldsparpläne 2023","FMH-Auszeichnung für verschiedene Anlegertypen",{"id":1023,"type":1024,"tags":4353,"lang":13,"slug":1026,"first_publication_date":1027,"last_publication_date":1028,"uid":1026,"link_type":43,"key":4354,"isBroken":45},[],"5c33f6fc-e52c-4ea7-9a3d-9c96c3f2512a",[4356],{"type":1032,"text":4357,"spans":4358,"direction":1035},"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":4067,"type":1038,"tags":4360,"lang":13,"slug":4069,"first_publication_date":4070,"last_publication_date":4071,"uid":4069,"link_type":43,"key":4361,"isBroken":45},[],"e4e7a572-3f38-405d-8df8-1f490e5f91b5",{"dimensions":4363,"alt":4366,"copyright":1140,"url":4367,"id":4368,"edit":4369},{"width":4364,"height":4365},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},[4372],{"variation":1062,"version":1063,"items":4373,"primary":4374,"id":4420,"slice_type":1115,"slice_label":5},[],{"text":4375,"chart_alt":5},[4376,4379,4382,4385,4391,4394,4397,4400,4408,4411,4414,4417],{"type":1032,"text":4377,"spans":4378,"direction":1035},"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":1032,"text":4380,"spans":4381,"direction":1035},"In Gold investieren können Normalsterbliche aber trotzdem – zum Beispiel mit einem Goldsparplan. Ihn gibt es in zwei Spielarten.",[],{"type":1068,"text":4383,"spans":4384,"direction":1035},"In kleinen Schritten zum ersten Goldstück",[],{"type":1032,"text":4386,"spans":4387,"direction":1035},"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.",[4388],{"start":4389,"end":4390,"type":1565},177,195,{"type":1032,"text":4392,"spans":4393,"direction":1035},"Diese Form des Goldsparens ist eigentlich nicht zur Auslieferung gedacht, da bei einer Auslieferung noch Form- und Auslieferungskosten hinzukämen.",[],{"type":1032,"text":4395,"spans":4396,"direction":1035},"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":1068,"text":4398,"spans":4399,"direction":1035},"Viele schwarze Schafe",[],{"type":1032,"text":4401,"spans":4402,"direction":1035},"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.",[4403],{"start":4404,"end":4405,"type":1111,"data":4406},214,242,{"link_type":49,"url":4407,"target":52},"https:\u002F\u002Fwww.wiwo.de\u002Ffinanzen\u002Fgeldanlage\u002Fsicherer-hafen-das-sind-die-besten-goldsparplaene\u002F29513426.html",{"type":1093,"text":4409,"spans":4410,"direction":1035},"Bester Goldsparplan für Bruchteilseigentum",[],{"type":1032,"text":4412,"spans":4413,"direction":1035},"Für Bruchteilseigentum haben Degussa Sonne\u002FMond Goldhandel, Noble Metal Factory, Solit Group und Gold Republic die besten Angebote.",[],{"type":1093,"text":4415,"spans":4416,"direction":1035},"Bester Goldsparplan für Zielsparen",[],{"type":1032,"text":4418,"spans":4419,"direction":1035},"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":4424,"alt":4366,"copyright":1140,"url":4425,"id":4368,"edit":4426},{"width":1120,"height":1121},"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":4428,"uid":1461,"url":4429,"type":319,"href":4430,"tags":4431,"first_publication_date":4433,"last_publication_date":4434,"slugs":4435,"linked_documents":4437,"lang":13,"alternate_languages":4438,"data":4439},"aMLx9xEAACAAiony","\u002Fartikel\u002Fdie-besten-nachhaltigen-etf-sparplaene-2023-10","https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aMLx9xEAACAAiony%22%29+%5D%5D",[366,4432],"etf-sparplan","2025-11-06T12:56:58+0000","2026-10-16T09:26:46+0000",[4436],"regelma%C3%9Fige-kontrollen-zahlen-sich-aus",[],[],{"publication_date":4440,"last_edit_date":4440,"set_last_edit_date_today":45,"title":4441,"subtitle":4442,"breadcrumb_title":5,"topic":4443,"teaser":4446,"author":4450,"cover":4453,"cover_position":1053,"table_of_content":4461,"toc_calculator":1055,"toc_selection":1496,"carousel_topic_filter":4462,"slices":4465,"meta_title":4506,"meta_description":4507,"meta_image":4508,"meta_indexed":1125},"2023-10-31","FMH ermittelt die besten nachhaltigen ETF-Sparpläne","Langfristige Geldanlage",{"id":1023,"type":1024,"tags":4444,"lang":13,"slug":1026,"first_publication_date":1027,"last_publication_date":1028,"uid":1026,"link_type":43,"key":4445,"isBroken":45},[],"3776aed3-5120-4fb8-a872-e61572091e79",[4447],{"type":1032,"text":4448,"spans":4449,"direction":1035},"Die Lage des Planeten war schon einmal rosiger. Viele Anleger wollen mit ihrem Geld daher nicht nur Renditen erwirtschaften, sondern auch etwas fürs Klima oder für mehr Menschlichkeit auf der Welt tun. Wir haben untersucht, mit welchen ETF das am besten gelingen kann.",[],{"id":4067,"type":1038,"tags":4451,"lang":13,"slug":4069,"first_publication_date":4070,"last_publication_date":4071,"uid":4069,"link_type":43,"key":4452,"isBroken":45},[],"57f5fa60-d066-4ce9-97d4-fbbc3478d2a4",{"dimensions":4454,"alt":4457,"copyright":1140,"url":4458,"id":4459,"edit":4460},{"width":4455,"height":4456},2100,1400,"kleiner Keimling auf Geldstücken wird von einer nassen Hand bewässert","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmsWGNHVfTPDkL_53329428b0e656d4941ef1e02ed8188fb7fd9825-etf-nachhaltig.jpg?auto=format,compress","aMLmsWGNHVfTPDkL",{"x":24,"y":24,"zoom":25,"background":26},"Always",{"id":1023,"type":1024,"tags":4463,"lang":13,"slug":1026,"first_publication_date":1027,"last_publication_date":1028,"uid":1026,"link_type":43,"key":4464,"isBroken":45},[],"83288e5d-7e9e-4b84-96e5-93bd27a209c6",[4466],{"variation":1062,"version":1063,"items":4467,"primary":4468,"id":4505,"slice_type":1115,"slice_label":5},[],{"text":4469,"chart_alt":5},[4470,4478,4481,4484,4487,4490],{"type":1032,"text":4471,"spans":4472,"direction":1035},"Sparen mit gutem Gewissen und ansehnlichen Renditen? Für immer mehr Anleger gehen diese beiden Ziele Hand in Hand. Um herauszufinden, welche Produkte diese Vorgaben erfüllen können, hat die FMH-Finanzberatung im Auftrag des Nachrichtensender ntv die besten Angebote für nachhaltige ETF-Sparpläne ermittelt.",[4473],{"start":4474,"end":4475,"type":1111,"data":4476},250,295,{"link_type":49,"url":4477,"target":52},"https:\u002F\u002Fwww.n-tv.de\u002Fratgeber\u002FHier-gibt-es-die-besten-nachhaltigen-ETF-Sparplaene-article24497407.html",{"type":1032,"text":4479,"spans":4480,"direction":1035},"Bei unserer Recherche haben wir allerdings nicht die Performance bewertet, sondern primär die Größe des Angebots und die Kosten, die für Einzahlungen und den möglichen späteren Verkauf entstehen. Dieses Vorgehen ist deshalb sinnvoll, weil ETF-Sparpläne monatlich bespart werden – idealerweise über über zehn Jahre und länger. Und weil es nachhaltige ETF-Fonds erst seit ein paar Jahren gibt, lassen sich aus deren bisheriger Performance keine valide Aussage für die Zukunft treffen.",[],{"type":1032,"text":4482,"spans":4483,"direction":1035},"Wir haben uns deshalb bewusst für die Kosten entschieden, auch bei einer Entnahme aus dem Fonds.",[],{"type":1093,"text":4485,"spans":4486,"direction":1035},"Regelmäßige Kontrollen zahlen sich aus",[],{"type":1032,"text":4488,"spans":4489,"direction":1035},"Wichtig ist es auch, darauf hinzuweisen, dass es aktuell noch keine klaren Vorgaben gibt, welche Aktien als „nachhaltig“ tituliert werden dürfen. Anleger, die genau hinschauen wollen, können sich aber an den SFDR-Kategorien und Klassifizierungen orientieren. Dennoch sollten umweltbewusste Sparer damit rechnen, dass sie im Laufe der Jahre umschichten müssen, um den Nachhaltigkeitsfaktor der eigenen Investments (weiter) zu verbessern.",[],{"type":1032,"text":4491,"spans":4492,"direction":1035},"Wer sich heute für den Abschluss eines nachhaltigen ETF entscheidet, findet die besten Angebote bei den folgenden Instituten: Auf dem ersten Platz liegt Scalable Capital mit dem Free Broker Depot, gefolgt von Finanzen.net Zero (Depot), justTRADE (Standard Depot) und der comdirect (comdirect Depot).",[4493,4496,4499,4502],{"start":4494,"end":4495,"type":1565},153,169,{"start":4497,"end":4498,"type":1565},209,226,{"start":4500,"end":4501,"type":1565},236,245,{"start":4503,"end":4504,"type":1565},271,280,"text_block$f274540b-34a6-4e06-b809-71c2c48b9b6b","Nachhaltige ETF-Sparpläne 2023: Rendite im Vergleich","Die besten nachhaltigen ETF-Sparpläne im Vergleich: FMH-Finanzberatung ermittelt für ntv passende Angebote. Jetzt Ergebnisse entdecken.",{"dimensions":4509,"alt":4457,"copyright":1140,"url":4510,"id":4459,"edit":4511},{"width":1120,"height":1121},"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaMLmsWGNHVfTPDkL_53329428b0e656d4941ef1e02ed8188fb7fd9825-etf-nachhaltig.jpg?auto=format%2Ccompress&rect=0%2C0%2C2100%2C1103&w=2400&h=1260",{"x":24,"y":24,"zoom":25,"background":26}]