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langfristig Vermögen aufzubauen und so den exponentiellen Wachstumseffekt zu nutzen.",[1381,1384,1387],{"start":24,"end":1382,"type":1383},21,"strong",{"start":1385,"end":1386,"type":1383},73,111,{"start":1388,"end":1389,"type":1383},171,201,{"type":1378,"text":1391,"spans":1392,"direction":1034},"Geringe Risiken: ETFs (Exchange Traded Funds) sind Indexfonds, die das Risiko durch die Investition in eine Vielzahl von Unternehmen (z. B. MSCI World) breit streuen. Damit sind sie ideal für Einsteiger.",[1393,1395],{"start":24,"end":1394,"type":1383},16,{"start":1396,"end":1397,"type":1383},51,61,{"type":1378,"text":1399,"spans":1400,"direction":1034},"Niedrige Kosten: Im Vergleich zu aktiv gemanagten Fonds sind ETFs extrem kostengünstig.",[1401,1402],{"start":24,"end":1394,"type":1383},{"start":1385,"end":1403,"type":1383},86,{"type":1378,"text":1405,"spans":1406,"direction":1034},"Flexible Raten: Sie können die Sparraten an ihre Bedürfnisse und Möglichkeiten anpassen. Sparraten sind oft schon ab einem Euro pro Monat möglich und lassen sich jederzeit ändern, aussetzen oder durch Einmalanlagen ergänzen.",[1407,1409],{"start":24,"end":1408,"type":1383},15,{"start":1410,"end":1411,"type":1383},114,127,{"type":1378,"text":1413,"spans":1414,"direction":1034},"Sichere Anlage: Die Wertpapiere in einem Depot gelten als Sondervermögen und bleiben auch bei einer Insolvenz der Bank oder des Brokers Eigentum des Sparers.",[1415,1416,1419],{"start":24,"end":1408,"type":1383},{"start":1417,"end":1418,"type":1383},58,72,{"start":1420,"end":1421,"type":1383},136,144,{"type":1374,"text":1423,"spans":1424,"direction":1034},"Für jeden den passenden ETF-Sparplan",[],{"type":1378,"text":1426,"spans":1427,"direction":1034},"Für alle, die maximale Auswahl möchten: Finanzen invest* bietet über 10.000 Sparpläne ab 1 € – in Aktien, ETFs und Kryptos, vollständig ohne Ordergebühren. Perfekt für alle, die breit investieren wollen.",[1428,1430,1436,1437,1440,1443,1446],{"start":24,"end":1429,"type":1383},39,{"start":1431,"end":1432,"type":1433,"data":1434},40,56,"hyperlink",{"link_type":49,"url":1435,"target":52},"https:\u002F\u002Fwww.finanzen.net\u002Fzero\u002Fstart-aff\u002F?utm_medium=textlink&utm_source=financeads&utm_campaign=financeads&utm_content=30062&s_id=1920212833X30062C372273516TS62",{"start":1431,"end":1432,"type":1383},{"start":1438,"end":1439,"type":1383},64,85,{"start":1441,"end":1442,"type":1383},89,92,{"start":1444,"end":1445,"type":1383},98,122,{"start":1420,"end":1447,"type":1383},154,{"type":1378,"text":1449,"spans":1450,"direction":1034},"Für alle, die auf Qualität und Extras setzen: Traders Place* bietet 5.200 kostenlose Sparpläne in ETFs, Aktien und Fonds sowie 13 Krypto-Sparpläne - inklusive 60 € Neukundenbonus. Mit \"Sehr gut\" ausgezeichnet (FMH & WirtschaftsWoche, August 2026).",[1451,1453,1458,1459,1462,1464,1466],{"start":24,"end":1452,"type":1383},45,{"start":1454,"end":1455,"type":1433,"data":1456},46,60,{"link_type":49,"url":1457,"target":52},"https:\u002F\u002Faktion.tradersplace.de\u002F?fsid=693700b548346f5b2a0d6f7e",{"start":1454,"end":1455,"type":1383},{"start":1460,"end":1461,"type":1383},68,94,{"start":1444,"end":1463,"type":1383},120,{"start":1411,"end":1465,"type":1383},147,{"start":1467,"end":1468,"type":1383},158,178,{"type":1378,"text":1470,"spans":1471,"direction":1034},"Für alle, die günstig und flexibel investieren wollen: Scalable Capital* überzeugt mit niedrigen Ordergebühren, freier Wahl zwischen Einmal-Order und Sparplan, und 2,60 % Zinsen auf Guthaben.",[1472,1474,1478,1479,1482,1484],{"start":24,"end":1473,"type":1383},54,{"start":1475,"end":1418,"type":1433,"data":1476},55,{"link_type":49,"url":1477,"target":52},"https:\u002F\u002Fpartner.scalable-capital.de\u002Fgo.cgi?pid=6&wmid=58&cpid=1&prid=9&subid=&target=Trading-Online",{"start":1475,"end":1418,"type":1383},{"start":1480,"end":1481,"type":1383},87,110,{"start":1483,"end":1467,"type":1383},133,{"start":1485,"end":1486,"type":1383},164,177,"text_block$dcc1c505-ce66-49bd-9666-ac0595080df5","text_block",{"variation":1368,"version":1369,"items":1490,"primary":1491,"id":1493,"slice_type":1494,"slice_label":5},[],{"type":1492},"Fondssparplan-Vergleich","calculator_embed$21aca6b4-9939-44e8-963c-cdf3c90a6fce","calculator_embed",{"variation":1368,"version":1369,"items":1496,"primary":1497,"id":1506,"slice_type":1488,"slice_label":5},[],{"text":1498,"chart_alt":5},[1499],{"type":1031,"text":1500,"spans":1501,"direction":1034},"* Einige Links auf dieser Seite sind sogenannte Affiliate-Links.\nWenn Sie darüber ein Angebot nutzen, erhalten wir eine kleine Vergütung. Für Sie entstehen keine Mehrkosten und Sie unterstützen damit unsere unabhängigen Vergleiche.",[1502,1503],{"start":24,"end":25,"type":1383},{"start":1504,"end":1505,"type":1383},138,172,"text_block$72dbba20-3412-4085-ae40-ae860c944e2f",{"variation":1368,"version":1369,"items":1508,"primary":1509,"id":1706,"slice_type":1488,"slice_label":5},[],{"text":1510,"chart_alt":5},[1511,1514,1517,1520,1523,1526,1529,1532,1544,1549,1557,1562,1565,1576,1578,1581,1584,1597,1610,1622,1627,1629,1632,1635,1648,1655,1657,1660,1665,1672,1679,1681,1684,1687,1692,1696],{"type":1374,"text":1512,"spans":1513,"direction":1034},"Warum Sparpläne unverzichtbar sind",[],{"type":1031,"text":1515,"spans":1516,"direction":1034},"ETF-Sparpläne sind ideal für alle, die langfristig Vermögen aufbauen wollen, für ihre regelmäßigen Sparraten aber keine horrenden Beträge aufwenden können oder wollen.",[],{"type":1031,"text":1518,"spans":1519,"direction":1034},"Moderne Anbieter ermöglichen den Einstieg ins Fondssparen oft schon ab einem Euro pro Monat. Noch größer ist die Auswahl, wenn Sie pro Monat 25 Euro oder mehr investieren können.",[],{"type":1031,"text":1521,"spans":1522,"direction":1034},"Ein weiterer Vorteil: Die regelmäßigen automatisierten Investitionen haben einen disziplinierenden Effekt und eliminieren die Komponente des \"richtigen Timings\" am Markt. Zudem investieren sie automatisch zu unterschiedlichen Kursen. Bei niedrigen Kursen kaufen Sie mehr Anteile, bei hohen Kursen weniger. Langfristig drückt das die Kosten und erhöht die Erträge.",[],{"type":1031,"text":1524,"spans":1525,"direction":1034},"",[],{"type":1374,"text":1527,"spans":1528,"direction":1034},"Kosten und Gebühren im Detail",[],{"type":1031,"text":1530,"spans":1531,"direction":1034}," ETF-Sparpläne kosten deutlich weniger, als ein Investment in einen aktiv gemanagten Fonds. Dennoch sind die Gebühren ein Faktor, der langfristig Ihre Rendite beeinflussen kann. Dabei fallen unterschiedliche Kosten auf zwei Ebenen an: beim Fonds selbst und beim Broker.",[],{"type":1031,"text":1533,"spans":1534,"direction":1034},"·         Die Ausführungsgebühren: Sie bezeichnen den Betrag, den der Broker pro Sparrate (und damit pro Kaufvorgang) verlangt. Zwingend sind diese Kosten allerdings nicht.: Viele Neobroker bieten eine stattliche Auswahl an ETF-Sparplänen kostenlos an. Teurere Anbieter verlangen hingegen für jeden Kaufvorgang bis zu 1,5 Prozent der Sparrate.",[1535,1538,1541],{"start":1536,"end":1537,"type":1383},10,35,{"start":1539,"end":1540,"type":1383},180,189,{"start":1542,"end":1543,"type":1383},239,248,{"type":1031,"text":1545,"spans":1546,"direction":1034},"·         Depotführungsgebühren: Diese Gebühr fällt einmal pro Jahr für die Verwaltung des Depots an. Wenn sie denn anfällt. Denn auch hier sind viele Online-Broker und Direktbanken ausgesprochen kundenfreundlich und offerieren Depots für Sparpläne dauerhaft kostenlos. Filialbanken verlangen dagegen häufig zwischen zehn und 30 Euro pro Jahr.",[1547],{"start":1536,"end":1548,"type":1383},33,{"type":1031,"text":1550,"spans":1551,"direction":1034},"·         TER (Total Expense Ratio): Der Begriff steht für die Gebühr, die die Verwaltung des ETF pro Jahr kostet. Der Betrag wird direkt aus dem Fondsvermögen entnommen und liegt meist zwischen 0,1 und 0,5 Prozent des Kapitals.                        ",[1552,1554],{"start":1536,"end":1553,"type":1383},37,{"start":1555,"end":1556,"type":1383},195,214,{"type":1031,"text":1558,"spans":1559,"direction":1034},"·         Spreads: die Differenz zwischen An- und Verkaufskursen. Sie können vor allem bei exotischen ETF ins Gewicht fallen – also etwa jenen, die die weniger gängigen Indizes abbilden, zum Beispiel in Schwellenländern. Gleiches gilt für die Differenzen außerhalb der Haupthandelszeiten Der Grund: Während der Öffnungszeiten der Hauptbörsen sind im Normalfall sehr viele Marktteilnehmer (Banken, Broker, institutionelle Anleger). Dies gewährleistet eine hohe Liquidität und sorgt dafür, dass die Spreads sehr eng sind. Außerhalb dieser „Rush Hour“ können die Spreads hingegen deutlich größer sein.",[1560],{"start":1536,"end":1561,"type":1383},17,{"type":1031,"text":1563,"spans":1564,"direction":1034},"·         Versteckte Kosten: Achten Sie auf Handelsplatzgebühren, die bei einigen Brokern zusätzlich anfallen. Sie betragen zwischen 1,50 Euro und sechs Euro. Vorsicht auch bei Aktions-ETFs, die nur vorübergehend ohne Gebühren auskommen.",[],{"type":1031,"text":1566,"spans":1567,"direction":1034},"👉FMH-Tipp: Ein Vergleich der Depotkosten lohnt sich. Die Auswahl eines günstigen Anbieters kann über die Jahre mehrere hundert Euro Unterschied machen. Setzen Sie auf einen Anbieter, der keine Ausführungsgebühren für Ihren ETF-Sparplan verlangt, um die maximale Rendite zu erzielen.",[1568,1571,1573],{"start":1569,"end":1570,"type":1383},2,11,{"start":1572,"end":1421,"type":1383},112,{"start":1574,"end":1575,"type":1383},193,213,{"type":1031,"text":1524,"spans":1577,"direction":1034},[],{"type":1374,"text":1579,"spans":1580,"direction":1034},"ETF-Wahl und Strategie",[],{"type":1031,"text":1582,"spans":1583,"direction":1034},"Sind die Entscheidung für das richtige Depot und einen Sparplan gefallen, folgen die nächsten Stufen auf dem Weg zum Vermögensaufbau.",[],{"type":1031,"text":1585,"spans":1586,"direction":1034},"·         Auf Indizes setzen: Wählen Sie einen breit diversifizierten Welt-Index wie den MSCI World oder den FTSE-All-World Index. Diese streuen das Risiko über Hunderte oder Tausende von Unternehmen. Damit ist das Risiko schwererer Verluste minimiert. Als strategische Alternative bietet sich auch eine 70\u002F30 Aufteilung an. Dabei gehen 70 Prozent in den MSCI World (Industrieländer) und 30 Prozent in MSCI Emerging Markets (Schwellenländer).",[1587,1589,1592,1594],{"start":1536,"end":1588,"type":1383},30,{"start":1590,"end":1591,"type":1383},47,80,{"start":1441,"end":1593,"type":1383},99,{"start":1595,"end":1596,"type":1383},109,129,{"type":1031,"text":1598,"spans":1599,"direction":1034},"·         Compound-Effekte nutzen: In den Meisten Index-Fonds werden Erträge meist reinvestiert. Das ist für den langfristigen Vermögensaufbau optimal, da die ausgeschütteten Dividenden direkt wieder anlegt werden und dieser sogenannte Compound-Effekt den Vermögensaufbau beschleunigt und optimiert.",[1600,1602,1604,1607],{"start":1536,"end":1601,"type":1383},62,{"start":1460,"end":1603,"type":1383},69,{"start":1605,"end":1606,"type":1383},113,142,{"start":1608,"end":1609,"type":1383},236,251,{"type":1031,"text":1611,"spans":1612,"direction":1034},"·         Risiken abwägen: Wer einen Anlagehorizont von 15 Jahren und mehr hat, kann auf reine Aktien-ETFs setzen. Hier ist das Risiko von zwischenzeitlichen Verlusten zwar höher als bei risikoärmeren Anlagen, wie etwa Anleihen-ETF sowie Fest- oder Tagesgeld. Für kürzere Zeiträume sind diese Varianten meist die bessere Wahl.",[1613,1615,1617,1619],{"start":1536,"end":1614,"type":1383},27,{"start":1588,"end":1616,"type":1383},32,{"start":1432,"end":1618,"type":1383},74,{"start":1620,"end":1621,"type":1383},95,106,{"type":1031,"text":1623,"spans":1624,"direction":1034},"·         Nachhaltigkeit investieren: ESG-Fonds und -ETFs verbinden Renditechancen mit sozialer Verantwortung und setzen auf in Unternehmen, die bestimmte Nachhaltigkeitskriterien erfüllen.",[1625],{"start":1536,"end":1626,"type":1383},57,{"type":1031,"text":1524,"spans":1628,"direction":1034},[],{"type":1374,"text":1630,"spans":1631,"direction":1034},"Technische Details für Könner (und solche die es werden wollen)",[],{"type":1031,"text":1633,"spans":1634,"direction":1034},"Für erfahrene Fonds-Sparer und fortgeschrittene Anleger sind folgende technische Aspekte von ETF relevant:",[],{"type":1378,"text":1636,"spans":1637,"direction":1034},"Replikationsmethode (Kaufmethode): Physisch: Der ETF kauft die Aktien des abzubildenden Index tatsächlich (direkte Replikation) oder eine optimierte Auswahl (optimiertes Sampling). Synthetisch (Swap-basiert): Der ETF bildet den Index nicht durch Kauf von Aktien ab, sondern über ein Tauschgeschäft (Swap) mit einer Bank. Dieses Vorgehen kann theoretisch das sogenannte Kontrahentenrisiko erhöhen, da Verluste drohen, wenn der Swap-Partner insolvent wird. Die gesetzlichen Vorgaben, die in Deutschland fixe Obergrenzen für synthetische ETF vorsehen, halten dieses Risiko aber sehr überschaubar.",[1638,1640,1642,1645],{"start":24,"end":1639,"type":1383},34,{"start":1537,"end":1641,"type":1383},44,{"start":1643,"end":1644,"type":1383},181,208,{"start":1646,"end":1647,"type":1383},369,387,{"type":1378,"text":1649,"spans":1650,"direction":1034},"Tracking Difference (TD): Die Tracking Difference (zu Deutsch: Abbildungsdifferenz) misst, in welchem Ausmaß die Entwicklung des ETF von der Wertentwicklung des zugrundeliegenden Index abweicht. Damit zeigt sie zugleich auch die Kosten auf und ist hierfür sogar ein noch besserer Indikator als die TER. Achten Sie bei der Auswahl ihres ETF daher stets auf eine möglichst niedrige TD.",[1651,1653],{"start":24,"end":1652,"type":1383},25,{"start":1588,"end":1654,"type":1383},83,{"type":1031,"text":1524,"spans":1656,"direction":1034},[],{"type":1374,"text":1658,"spans":1659,"direction":1034},"Fondssparpläne: Die aktive Alternative",[],{"type":1031,"text":1661,"spans":1662,"direction":1034},"Neben ETFs können Sparpläne auch in aktiv gemanagte Fonds investieren.",[1663],{"start":1664,"end":1626,"type":1383},36,{"type":1378,"text":1666,"spans":1667,"direction":1034},"Vorteil: Ein professioneller Fondsmanager versucht, den Markt gezielt zu übertreffen (Outperformance).",[1668,1670],{"start":24,"end":1669,"type":1383},8,{"start":1385,"end":1671,"type":1383},84,{"type":1378,"text":1673,"spans":1674,"direction":1034},"Nachteil: Deutlich höhere Kosten (Management-Gebühren und Ausgabeaufschläge), die oft die mögliche Mehrrendite auffressen. Solche Sparpläne sind meist teurer als ETF-Depots.",[1675,1677],{"start":24,"end":1676,"type":1383},9,{"start":1678,"end":1616,"type":1383},19,{"type":1031,"text":1524,"spans":1680,"direction":1034},[],{"type":1374,"text":1682,"spans":1683,"direction":1034},"Das Kinderdepot: Steuervorteile frühzeitig nutzen",[],{"type":1031,"text":1685,"spans":1686,"direction":1034},"Ein ETF-Sparplan eignet sich perfekt, um Vermögen für Kinder aufzubauen und frühzeitig den Grundstock zur Finanzierung des Führerscheins, einer Ausbildung oder des Studiums zu legen.",[],{"type":1378,"text":1688,"spans":1689,"direction":1034},"Rechtliche Grundlagen: Das Depot läuft auf den des Kindes eröffnet. Dieses ist damit Eigentümer der Wertpapiere im Depot. Die Eltern agieren als Treuhänder, bis der Nachwuchs volljährig ist.",[1690],{"start":24,"end":1691,"type":1383},22,{"type":1378,"text":1693,"spans":1694,"direction":1034},"Sicherheit: Wertpapiere im Depot sind Sondervermögen und bleiben damit bei einer Insolvenz des Depot-Anbieters vor dem Zugriff der Gläubiger geschützt.",[1695],{"start":24,"end":1570,"type":1383},{"type":1031,"text":1697,"spans":1698,"direction":1034},"Steuerliche Vorteile: Kinder profitieren, ebenso wie Erwachsene vom steuerlichen Grundfreibetrag. 2026 beträgt er 12.348 Euro pro Jahr. Zudem steht dem Nachwuchs der Sparer-Pauschbetrag von derzeit 1.000 Euro pro Person und Jahr zu. Um ihn zu nutzen, müssen Eltern allerdings einen Freistellungsauftrag bei der Bank bzw. dem Depotanbieter stellen.",[1699,1700,1703],{"start":24,"end":1382,"type":1383},{"start":1701,"end":1702,"type":1383},166,185,{"start":1704,"end":1705,"type":1383},282,302,"text_block$e9ac07b0-983d-471a-923b-d63de0734b56",{"variation":1368,"version":1369,"items":1708,"primary":1709,"id":1738,"slice_type":1739,"slice_label":5},[],{"heading":1710,"title":1711,"text":1712,"image":1725,"rounded_image":1347,"button_link":1734},"Von FMH-Finanzberatung und WirtschaftsWoche ausgezeichnet","Die besten Broker für den ETF Handel 2026",[1713,1716,1719,1722],{"type":1031,"text":1714,"spans":1715,"direction":1034},"Welche Broker mit ETF-Sparplänen wurden zuletzt ausgezeichnet?",[],{"type":1031,"text":1717,"spans":1718,"direction":1034},"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 am Ende teuer werden. Die FMH-Finanzberatung hat im Auftrag der WirtschaftsWoche 28 Anbieter mit ETF- und Sparplanoptionen analysiert. In der Auswertung wurde zwischen kleinen Transaktionsvolumen (500 € pro Trade) und hohen Volumen (10.000 € pro Trade) unterschieden.",[],{"type":1031,"text":1720,"spans":1721,"direction":1034},"Top 3 - Anbieter unter den Onlinebrokern: S Broker, SMARTBROKER+ und Traders Place",[],{"type":1031,"text":1723,"spans":1724,"direction":1034},"Top 3 - Anbieter unter den Geschäfts- und Direktbanken: comdirect, ING und Openbank Deutschland (500 € pro Trade); comdirect, BW-Bank und Openbank Deutschland (10.000 € pro Trade)",[],{"dimensions":1726,"alt":1729,"copyright":1730,"url":1731,"id":1732,"edit":1733},{"width":1727,"height":1728},435,747,"Siegel Bester ETF-Broker 2026 WirtschaftsWoche","WirtschaftsWoche, FMH-Finanzberatung","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Fj3Jah7PEZanTc8kM_WiWo_FMH_ETF_Broker_Bester_2026_S_Broker.png?auto=format,compress","j3Jah7PEZanTc8kM",{"x":24,"y":24,"zoom":25,"background":26},{"link_type":49,"key":1735,"url":1736,"target":52,"text":1737},"b76be986-cd5f-4e6f-aacc-827e895e18ca","https:\u002F\u002Fwww.fmh-finanzberatung.de\u002Fsiegel\u002F2026\u002Fdie-besten-broker-f-r-den-etf-handel-wirtschaftswoche","Details zur Auswertung","award_box$01788427-c781-489a-977a-4d03518e595b","award_box",{"variation":1368,"version":1369,"items":1741,"primary":1742,"id":1874,"slice_type":1488,"slice_label":5},[],{"text":1743,"chart_alt":5},[1744,1747,1750,1760,1770,1779,1781,1784,1793,1801,1805,1807,1810,1817,1826,1833,1835,1838,1843,1848,1852,1857,1859,1862],{"type":1374,"text":1745,"spans":1746,"direction":1034},"Depotwahl: Broker für ETF-Sparpläne im Vergleich",[],{"type":1031,"text":1748,"spans":1749,"direction":1034},"Die Wahl des Depots entscheidet maßgeblich über die anfallenden Kosten – und hat damit entscheidenden Einfluss auf die Rendite. Folgende Anbieter stehen zur Wahl",[],{"type":1378,"text":1751,"spans":1752,"direction":1034},"Neobroker: Vorteil: Günstig und digital. Neobroker kommen fast immer mit Null Euro Depotgebühr und null Euro Ausführungsgebühren aus und bieten eine riesige Auswahl an ETFs. Der Fokus dieser Anbieter liegt auf digitalen Tools und Apps. Nachteil: Die Auswahl an Handelsplätzen kann begrenzt sein.",[1753,1754,1755,1756,1758],{"start":24,"end":1536,"type":1383},{"start":1570,"end":1678,"type":1383},{"start":1603,"end":1461,"type":1383},{"start":1593,"end":1757,"type":1383},128,{"start":1608,"end":1759,"type":1383},245,{"type":1378,"text":1761,"spans":1762,"direction":1034},"Direktbanken: Vorteil: Niedrige Gebühren und digitale Tools. Oft reagieren Direktbanken auf Kundenanfragen deutlich schneller als Neobroker. Auch die Produktpalette ist meist breiter Kunden, die ihr Giro- und Depotkonto beim selben Institut führen möchten, sind hier bestens aufgehoben. Nachteil: Außerhalb von Aktionen können die Kosten höher sein als bei Neobrokern.",[1763,1765,1767],{"start":24,"end":1764,"type":1383},13,{"start":1766,"end":1691,"type":1383},14,{"start":1768,"end":1769,"type":1383},287,296,{"type":1378,"text":1771,"spans":1772,"direction":1034},"Filialbanken: Vorteil: Persönliche Beratung. Nachteil: In der Regel fallen bei diesen Anbietern die höchsten Kosten an Zehn bis 30 Euro Depotführungsgebühr pro Jahr sind keine Seltenheit und auch die Sparpläne sind im Normalfall kostenpflichtig. Hier müssen Kunden mit Gebühren zwischen 0,85 und 15 Euro pro Sparplanausführung kalkulieren. ",[1773,1774,1775,1776],{"start":24,"end":1764,"type":1383},{"start":1766,"end":1691,"type":1383},{"start":1452,"end":1473,"type":1383},{"start":1777,"end":1778,"type":1383},100,115,{"type":1031,"text":1524,"spans":1780,"direction":1034},[],{"type":1374,"text":1782,"spans":1783,"direction":1034},"ETF-Sparplan in 3 Schritten",[],{"type":1785,"text":1786,"spans":1787,"direction":1034},"o-list-item","Depot eröffnen: Wählen Sie den günstigsten Anbieter, der Ihren gewünschten Welt-ETF (z. B. MSCI World) kostenlos als Sparplan anbietet. Der Anmeldeprozess läuft digital (VideoIdent).",[1788,1789,1791],{"start":24,"end":1408,"type":1383},{"start":1790,"end":1654,"type":1383},75,{"start":1792,"end":1572,"type":1383},103,{"type":1785,"text":1794,"spans":1795,"direction":1034},"Sparplan einrichten: Legen Sie Ihren ETF fest, bestimmen Sie die Sparrate (z. B. 50 Euro) und das Intervall, in dem Sie investieren wollen (einmal pro Monat\u002Fquartalsweise).",[1796,1798,1800],{"start":24,"end":1797,"type":1383},20,{"start":1799,"end":1385,"type":1383},65,{"start":1444,"end":1595,"type":1383},{"type":1785,"text":1802,"spans":1803,"direction":1034},"Abwarten: Der Broker führt die Sparrate automatisch aus. Sie müssen nichts weiter tun als Ihrem Vermögen beim Wachsen zusehen.",[1804],{"start":24,"end":1676,"type":1383},{"type":1031,"text":1524,"spans":1806,"direction":1034},[],{"type":1374,"text":1808,"spans":1809,"direction":1034},"Steuern und der Effekt der Wiederanlage",[],{"type":1378,"text":1811,"spans":1812,"direction":1034},"Abgeltungsteuer: Erträge aus Wertpapieren unterliegen der Abgeltungsteuer von 25 Prozent. Zuzüglich fallen der Solidaritätszuschlag (5,5 Prozent) und ggf. Kirchensteuer an.",[1813,1814],{"start":24,"end":1394,"type":1383},{"start":1815,"end":1816,"type":1383},78,88,{"type":1378,"text":1818,"spans":1819,"direction":1034},"Steuerfreier Sockelbetrag: Kapitalerträge bis 1.000 Euro (2.000 Euro bei Ehepaaren) bleiben steuerfrei, wenn Sie einen Freistellungsauftrag bei Ihrer Bank stellen.",[1820,1822,1823],{"start":24,"end":1821,"type":1383},26,{"start":1454,"end":1432,"type":1383},{"start":1824,"end":1825,"type":1383},119,139,{"type":1378,"text":1827,"spans":1828,"direction":1034},"Wiederanlage der Erträge: Thesaurierende ETF legen die erhaltenen Dividenden und Zinserträge automatisch wieder an. Das reinvestierte Kapital erwirtschaftet wiederum neue Gewinne – dieser Compound-Effekt ist der Schlüssel zum langfristigen Erfolg.",[1829,1830],{"start":24,"end":1652,"type":1383},{"start":1831,"end":1832,"type":1383},188,203,{"type":1031,"text":1524,"spans":1834,"direction":1034},[],{"type":1374,"text":1836,"spans":1837,"direction":1034},"Wichtiger Risikohinweis ⚠️",[],{"type":1031,"text":1839,"spans":1840,"direction":1034},"Aktien und ETFs unterliegen Kursschwankungen. Ein Kapitalverlust ist möglich.",[1841],{"start":24,"end":1842,"type":1383},77,{"type":1378,"text":1844,"spans":1845,"direction":1034},"Marktrisiko: Der Wert Ihrer Anlage hängt von der Entwicklung der globalen Märkte und der darin enthaltenen Unternehmen ab. Da Aktien-ETFs in einzelne Unternehmen investieren, ist das Risiko meist höher als bei Anleihen-ETF. Hier hängt der Kurs an der Bonität des Schuldners (Anleihen – Schuldverschreibungen). Die ist in der Regel stabiler als der Aktienmarkt.",[1846],{"start":24,"end":1847,"type":1383},12,{"type":1378,"text":1849,"spans":1850,"direction":1034},"Währungsrisiko: Bei in US-Dollar oder anderen Fremdwährungen notierten ETF besteht zusätzlich ein Währungsrisiko.",[1851],{"start":24,"end":1408,"type":1383},{"type":1378,"text":1853,"spans":1854,"direction":1034},"Anlagehorizont: ETF-Sparpläne entfalten ihr volles Potenzial nur bei einem langfristigen Anlagehorizont (mindestens zehn bis15 Jahre). Über diese lange Zeit lassen sich etwaige Kursrückgänge meist auch problemlos wieder ausgleichen.",[1855,1856],{"start":24,"end":1408,"type":1383},{"start":1790,"end":1792,"type":1383},{"type":1031,"text":1524,"spans":1858,"direction":1034},[],{"type":1374,"text":1860,"spans":1861,"direction":1034},"Fazit: Mit System zur finanziellen Unabhängigkeit",[],{"type":1031,"text":1863,"spans":1864,"direction":1034},"Der wichtigste Schritt auf dem Weg zu einem konsequenten Vermögensaufbau ist der Vergleich der Anbieter auf Basis der Ausführungsgebühren und der ETF-Auswahl. Wer heute mit einem günstigen, breit gestreuten Sparplan beginnt und diszipliniert dabeibleibt, legt das beste Fundament für seine finanzielle Zukunft. Was sonst noch wichtig ist, haben wir in den folgenden Fragen und Antworten zusammengetragen.",[1865,1868,1871],{"start":1866,"end":1867,"type":1383},81,90,{"start":1869,"end":1870,"type":1383},118,137,{"start":1872,"end":1873,"type":1383},146,157,"text_block$49276e9b-e3b8-406f-bc0b-cb60b3e1c5d7",{"variation":1368,"version":1369,"items":1876,"primary":1877,"id":1983,"slice_type":67,"slice_label":5},[],{"title":1878,"center_title":45,"border":1347,"open_close_icon":1879,"max_width":1880,"list":1881},"Häufige gestellte Fragen (FAQs) zu ETF- und Fondssparplänen","Caret","none",[1882,1892,1904,1915,1926,1939,1945,1955,1967,1976],{"question":1883,"answer":1884},"Was ist ein ETF-Sparplan?",[1885],{"type":1031,"text":1886,"spans":1887,"direction":1034},"Hier investieren Sie regelmäßig (z. B. einmal pro Monat) eine feste Sparrate, um Anteile an einem passiven Indexfonds (ETF) zu erwerben. Dieser ETF dient dem langfristigen Vermögensaufbau. Weiterer Vorteil. Die Kosten sind niedrig und die Risiken dank der breiten Streuung sehr überschaubar.",[1888,1890],{"start":1432,"end":1889,"type":1383},76,{"start":1444,"end":1891,"type":1383},123,{"question":1893,"answer":1894},"Was ist ein Indexfonds (ETF)?",[1895],{"type":1031,"text":1896,"spans":1897,"direction":1034},"Ein Indexfonds oder ETF (Exchange Traded Fund) ist ein Investmentfonds, der die Wertentwicklung eines bestimmten Marktindex (wie etwa des MSCI World oder des DAX) passiv nachbildet. Er wird an der Börse gehandelt und ist deutlich kostengünstiger als aktiv gemanagte Fonds, da er keinen teuren Fondsmanager benötigt.",[1898,1900,1901],{"start":1899,"end":1766,"type":1383},4,{"start":1797,"end":1454,"type":1383},{"start":1902,"end":1903,"type":1383},163,169,{"question":1905,"answer":1906},"Was ist ein Fondssparplan?",[1907],{"type":1031,"text":1908,"spans":1909,"direction":1034},"Ein Fondssparplan ist eine Methode zur Geldanlage, bei der Sie regelmäßig eine feste Sparrate einsetzen, um Anteile an einem aktiv gemanagten Investmentfonds zu erwerben. Im Gegensatz zum ETF-Sparplan versucht hier ein Fondsmanager, den Markt durch aktive Auswahl von Wertpapieren zu schlagen. Das kann mit einer besseren Performance belohnt werden, kostet aber auch Geld, da der Fondsmanager bezahlt werden muss.",[1910,1913],{"start":1911,"end":1912,"type":1383},63,93,{"start":1914,"end":1873,"type":1383},125,{"question":1916,"answer":1917},"Was ist ein Aktiensparplan?",[1918],{"type":1031,"text":1919,"spans":1920,"direction":1034},"Bei einem Aktiensparplan erwerben Sie regelmäßig Anteile an einem einzelnen Unternehmen. Dies ermöglicht den Aufbau von Positionen in Einzelunternehmen mit geringen Beträgen, geht aber mit höheren Risiken einher, da die Streuung fehlt.",[1921,1924],{"start":1922,"end":1923,"type":1383},38,48,{"start":1925,"end":1480,"type":1383},66,{"question":1927,"answer":1928},"Muss ich für einen ETF-Sparplan Ordergebühren zahlen?",[1929],{"type":1031,"text":1930,"spans":1931,"direction":1034},"Das hängt vom Anbieter ab. Bei den meisten Neobrokern und vielen Direktbanken sind ETF-Sparpläne dauerhaft kostenlos. Es fallen null Euro an Ausführungsgebühren an. Andere Anbieter können pro Ausführung bis 1,5 Prozent der Sparrate verlangen.",[1932,1935,1936],{"start":1933,"end":1934,"type":1383},43,53,{"start":1799,"end":1842,"type":1383},{"start":1937,"end":1938,"type":1383},107,116,{"question":1940,"answer":1941},"Welche Mindestsparrate muss ich einplanen?",[1942],{"type":1031,"text":1943,"spans":1944,"direction":1034},"Moderne Broker sind sehr flexibel. Die Mindestsparrate liegt oft zwischen einem und zehn Euro pro Monat. Damit kann so gut wie jedermann sofort mit dem Vermögensaufbau beginnen.",[],{"question":1946,"answer":1947},"Thesaurierend oder ausschüttend – welche Variante ist für den Vermögensaufbau besser?",[1948],{"type":1031,"text":1949,"spans":1950,"direction":1034},"Für den langfristigen Vermögensaufbau ist die thesaurierende Variante in der Regel besser. Hier werden die Erträge automatisch reinvestiert, wodurch der sogenannte Compound-Effekt maximiert wird und Ihr Kapital schneller wächst. Die ausschüttende Variante eignet sich, wenn Sie regelmäßige Einnahmen aus Ihrer Anlage wünschen.",[1951,1952,1953],{"start":1669,"end":1553,"type":1383},{"start":1454,"end":1455,"type":1383},{"start":1485,"end":1954,"type":1383},179,{"question":1956,"answer":1957},"Kann ich für mein Kind steuerfrei in ETF investieren?",[1958],{"type":1031,"text":1959,"spans":1960,"direction":1034},"Ja, das ist der große Vorteil eines Kinderdepots. Solange die jährlichen Erträge Ihres Kindes (Zinsen, Dividenden, etc.) den Grundfreibetrag und den Sparer-Pauschbetrag nicht überschreiten, fallen keine Steuern an.",[1961,1962,1964],{"start":1664,"end":1923,"type":1383},{"start":1914,"end":1963,"type":1383},168,{"start":1965,"end":1966,"type":1383},197,210,{"question":1968,"answer":1969},"Wie unterscheiden sich die Risiken von ETF- und Aktiensparplänen?",[1970],{"type":1031,"text":1971,"spans":1972,"direction":1034},"Ein ETF-Sparplan streut das Risiko automatisch über Hunderte oder Tausende von Unternehmen (z. B. im MSCI World). Der Aktiensparplan investiert nur in ein einziges Unternehmen, wodurch das Risiko eines Totalverlusts der Anlage deutlich höher ist.",[1973,1974],{"start":1899,"end":1394,"type":1383},{"start":1869,"end":1975,"type":1383},132,{"question":1977,"answer":1978},"Kann ich meinen Sparplan jederzeit stoppen oder die Rate ändern?",[1979],{"type":1031,"text":1980,"spans":1981,"direction":1034},"Ja, ETF-Sparpläne bieten maximale Flexibilität. Sie können die Sparrate jederzeit anpassen, pausieren oder den Sparplan ohne Kündigungsfristen stoppen. Solche Veränderungen sind in der Regel kostenlos. Sie sind an keine Laufzeiten gebunden.",[1982],{"start":1652,"end":1454,"type":1383},"faq$65941a24-86b0-42a1-a2d6-a4d7655beba4",{"variation":1985,"version":1369,"items":1986,"primary":1987,"id":1993,"slice_type":1994,"slice_label":5},"latest",[],{"title":1988,"amount":1989,"topic_filter":1990,"first_big":45,"padding":45,"background":1364,"show_all_articles_button":45},"Das könnte Sie auch interessieren",3,{"id":1331,"type":1332,"tags":1991,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":1992,"isBroken":45},[],"dcd28d1b-7780-49a5-9229-55893e50a0f8","article_cards$79a71443-815f-4f01-990b-8feb58166203","article_cards","ETF-Sparpläne: Sparplanvergleich {{current_month}}\u002F{{current_year}} → FMH.de","Finden Sie den passenden Anbieter für Ihren Vermögensaufbau. Kosten, Sparraten und Auswahl transparent prüfen und direkt vergleichen.",{},{"id":1352,"uid":1358,"url":5,"type":1353,"href":1999,"tags":2000,"first_publication_date":1356,"last_publication_date":1357,"slugs":2001,"linked_documents":2002,"lang":13,"alternate_languages":2003,"data":2004},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aoLhXBEAAC4Ag_Rr%22%29+%5D%5D",[],[1355],[],[],{"image":2005,"name":2012,"description":2013},{"dimensions":2006,"alt":2008,"copyright":5,"url":2009,"id":2010,"edit":2011},{"width":2007,"height":2007},1000,"Beate Balke: Expertin für Wertpapiere, Kreditkarten und Bausparen","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQtYFrpReVYa4F-X_Beate_FMH2.png?auto=format,compress","aQtYFrpReVYa4F-X",{"x":24,"y":24,"zoom":25,"background":26},"Beate Balke","Expertin für Wertpapiere, Kreditkarten und Bausparen",{"id":900,"uid":906,"url":907,"type":901,"href":2015,"tags":2016,"first_publication_date":904,"last_publication_date":905,"slugs":2017,"linked_documents":2018,"lang":13,"alternate_languages":2019,"data":2020},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aPjKQRIAACAAisyQ%22%29+%5D%5D",[],[903],[],[],{"page_topic":2021,"page_type":2024,"title":2027,"textblock":2028,"section_1_title":5,"section_1_image":2032,"section_1_layout":2041,"section_1_links":2042,"section_2_title":5,"section_2_image":2094,"section_2_layout":2041,"section_2_links":2095,"section_3_title":5,"section_3_image":2099,"section_3_layout":2041,"section_3_links":2100,"slices":2103,"meta_title":2104,"meta_description":2105,"meta_image":2106},{"id":1331,"type":1332,"tags":2022,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2023,"isBroken":45},[],"a9fd4161-2af3-4602-833a-083499977f30",{"id":1339,"type":1340,"tags":2025,"lang":13,"slug":1342,"first_publication_date":1343,"last_publication_date":1344,"uid":1342,"link_type":43,"key":2026,"isBroken":45},[],"1a0a97f0-4e8b-4381-97bd-1a88c44cb92e","Geldanlage-Vergleiche – die besten Angebote für Ihr Erspartes",[2029],{"type":1031,"text":2030,"spans":2031,"direction":1034},"Ob Tagesgeld, Festgeld oder Depot: Mit den FMH-Vergleichsrechnern finden Sie schnell und unabhängig das beste Angebot für Ihre Geldanlage. 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Die wichtigsten Infos zur neuen, staatlich geförderten Kapitalrente","Ab 2027 soll das Altersvorsorgedepot die private Vorsorge stärken. Förderung, Chancen und Risiken – verständlich erklärt, auch ohne Börsenerfahrung.",{"id":1331,"type":1332,"tags":2499,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2500,"isBroken":45},[],"33a0351f-12d1-4305-9916-5ba4a22b97fc",[2502],{"type":1031,"text":2503,"spans":2504,"direction":1034},"Ab 2027 soll das Altersvorsorgedepot die private Vorsorge attraktiver machen: mit Fonds, ETFs und staatlichen Zuschüssen. Das eröffnet neue Möglichkeiten, die längst überfällig erscheinen. Entscheidend für den Erfolg wird aber sein, ob davon auch Menschen profitieren, die bisher wenig mit der Börse zu tun hatten. Wir wollen unseren Beitrag dazu leisten, auch Börsenneulingen den Zugang zum Kapitalmarkt zu erleichtern.",[],{"id":2506,"type":1353,"tags":2507,"lang":13,"slug":2508,"first_publication_date":2509,"last_publication_date":2509,"uid":2510,"link_type":43,"key":2511,"isBroken":45},"aru92BIAACsA5kEA",[],"carlos-lopes-da-costa","2026-09-29T13:33:56+0000","carlos-lopes-da-ccosta","b0484330-f724-44c3-ac07-efd4d1fb710f",{"dimensions":2513,"alt":2515,"copyright":2516,"url":2517,"id":2518,"edit":2519},{"width":2514,"height":2007},1500,"Senior Männer mit lustigen Sonnenbrillen trinken Saft","Jacob Lund, shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Fy9_TzIa2tDJM7HTZ_SeniorM%C3%A4nnermitlustigenSonnenbrillentrinkenSaft.jpg?auto=format,compress","y9_TzIa2tDJM7HTZ",{"x":24,"y":24,"zoom":25,"background":26},"h1, h2, h3 + Slices",{"id":1331,"type":1332,"tags":2522,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2523,"isBroken":45},[],"3333668b-8d93-4604-af65-2e6f1bd60b21",[2525,2613,2626],{"variation":1368,"version":1369,"items":2526,"primary":2527,"id":2612,"slice_type":1488,"slice_label":5},[],{"text":2528,"chart_alt":5},[2529,2532,2535,2538,2541,2543,2546,2549,2552,2555,2559,2562,2569,2576,2588,2595,2597,2600,2603,2606,2609],{"type":1374,"text":2530,"spans":2531,"direction":1034},"Endlich mehr Chancen fürs Alter ",[],{"type":1031,"text":2533,"spans":2534,"direction":1034},"Besser spät als nie. Auch wenn kein Geringerer als Bundeskanzler Friedrich Merz gerade eingeräumt hat, dass man mit der neuen Kapitalrente 30 Jahre früher hätte beginnen können – ab nächstem Jahr fördert der Staat private Sparen ohne verpflichtende Kapitalgarantie: über das neue Altersvorsorgedepot. Neue Produkte sollen ab dem 1. Januar 2027 angeboten werden.",[],{"type":1031,"text":2536,"spans":2537,"direction":1034},"Angesichts der demographischen Herausforderungen, vor denen umlagefinanzierte Rentensysteme stehen, ist dieser Schritt ausgesprochen sinnvoll. Denn Garantien schaffen zwar Planungssicherheit, zugleich begrenzen sie aber den Spielraum für renditeorientierte Anlagen, die naturgemäß auch mit dem Risiko von (vorübergehenden) Verlusten verbunden sind. Wer Geld fürs Alter anspart, hat aber meist einen Anlagehorizont, der lang genug ist, um solche Phasen unbeschadet zu überstehen. ",[],{"type":1031,"text":2539,"spans":2540,"direction":1034},"Damit ist zugleich gesagt, dass die neue Kapitalrente für die junge Generation deutlich attraktiver ist als für rentennahe Jahrgänge. Denn Zeit lässt sich beim Vermögensaufbau nicht nachliefern. ",[],{"type":1031,"text":1524,"spans":2542,"direction":1034},[],{"type":1374,"text":2544,"spans":2545,"direction":1034},"Mehr Möglichkeiten und mehr Eigenverantwortung ",[],{"type":1031,"text":2547,"spans":2548,"direction":1034},"Seit der Jahrtausendwende wirbt die Politik intensiv dafür, neben der gesetzlichen auch in die private Altersvorsorge zu investieren. Das Altersvorsorgedepot schafft dafür einen neuen, zeitgemäßen Rahmen: Sparer können stärker am Kapitalmarkt investieren und erhalten dabei Unterstützung vom Staat. Die Aussicht auf höhere Erträge ist gerade bei einer langen Ansparzeit ein guter Grund, sich mit dem Angebot zu beschäftigen. ",[],{"type":1031,"text":2550,"spans":2551,"direction":1034},"Mehr Wahlfreiheit bedeutet allerdings auch, dass Anleger Entscheidungen treffen müssen: Welcher Anbieter passt am besten zu mir? Wie hoch sind die Kosten eines Altersvorsorgedepot? Welche Schwankungen kann oder will ich aushalten?  ",[],{"type":1031,"text":2553,"spans":2554,"direction":1034},"Diese – und viele weitere - Fragen verdienen verständliche Antworten. ",[],{"type":2556,"text":2557,"spans":2558,"direction":1034},"heading3","Ist ein Einstieg auch ohne Börsenerfahrung möglich? ",[],{"type":1031,"text":2560,"spans":2561,"direction":1034},"Auf jeden Fall. Wer bisher auf dem Sparkonto gespart hat, sollte sich aber zunächst mit einigen neuen Begriffen vertraut machen, die im Zusammenhang mit dem neuen Altersvorsorgedepot begegnen können.  ",[],{"type":1378,"text":2563,"spans":2564,"direction":1034},"Ein ETF (Exchange Traded Fund) ist ein börsengehandelter Fonds, der meist einen bestimmten Börsenindex nachbildet. Ein weltweit gestreuter Aktien-ETF verteilt das Geld also auf viele Unternehmen. Das reduziert die Abhängigkeit von Einzeltiteln und damit der Performance einzelner Unternehmen. Verluste – etwa während großer Wirtschaftskrisen – bleiben aber möglich.  ",[2565,2567],{"start":1899,"end":2566,"type":1383},7,{"start":2568,"end":1792,"type":1383},102,{"type":1378,"text":2570,"spans":2571,"direction":1034},"Ein Sparplan ist – grob vereinfacht – eine Art Dauerauftrag für den Kapitalmarkt. Kunden investieren dabei jeden Monat einen bestimmten Betrag in bestimmte Wertpapiere oder Fonds. Auch hier kann der Wert der angesparten Summe zwischenzeitlich sinken. Da das Geld allerdings langfristig angelegt wird, stehen die Chancen gut, am Ende der Laufzeit besser abzuschneiden als mit festverzinslichen Anlagen.  ",[2572,2575],{"start":1899,"end":1847,"type":1433,"data":2573},{"id":151,"type":107,"tags":2574,"lang":13,"slug":131,"first_publication_date":153,"last_publication_date":154,"uid":155,"url":156,"link_type":43,"isBroken":45},[109],{"start":1899,"end":1847,"type":1383},{"type":1378,"text":2577,"spans":2578,"direction":1034},"Für Neulinge am Kapitalmarkt, die ihre Risiken zumindest begrenzen wollen, kann auch eine Entscheidung für das Standarddepot sinnvoll sein. Der Begriff bezeichnet eine etwas sicherheitsorientiertere Version des Altersvorsorgedepots. Wer die Anlagen für das Altersvorsorgedepot nicht zusammenzustellen kann oder will, kann sich für dieses besonders einfach gestaltete Produkt mit weitgehend vorgegebenen Einstellungen entscheiden. Verständliche Informationen zu Kosten und Risiken bleiben aber auch hier wichtig.",[2579,2583,2584,2586],{"start":1386,"end":2580,"type":1433,"data":2581},124,{"id":141,"type":107,"tags":2582,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"start":1386,"end":1914,"type":1383},{"start":1504,"end":2585,"type":1383},140,{"start":2587,"end":1963,"type":1383},167,{"type":1031,"text":2589,"spans":2590,"direction":1034},"Mehr erfahren Sie in unserer Übersicht zum Altersvorsorgedepot. ",[2591],{"start":2592,"end":1601,"type":1433,"data":2593},29,{"id":173,"type":107,"tags":2594,"lang":13,"slug":110,"first_publication_date":175,"last_publication_date":176,"uid":177,"url":178,"link_type":43,"isBroken":45},[],{"type":1031,"text":1524,"spans":2596,"direction":1034},[],{"type":1374,"text":2598,"spans":2599,"direction":1034},"Wie profitieren Sparer von der staatlichen Förderung? ",[],{"type":1031,"text":2601,"spans":2602,"direction":1034},"Die höchsten staatlichen Förderungen erhalten Sparer, die einen Eigenbetrag von 1.800 Euro pro Jahr fürs Alter aufbringen. Das entspricht einer monatlichen Sparrate von 150 Euro. Wer so viel investiert, erhält in jedem Fall die Grundzulage von 540 Euro, so dass am Ende 2.340 Euro pro Jahr für die Vorsorge zusammenkommen.",[],{"type":1031,"text":2604,"spans":2605,"direction":1034},"Welche Summen langfristig realisierbar sind, verdeutlicht dieses vereinfachte Beispiel: Eine förderberechtigte Person eröffnet 2027 mit 25 Jahren ein Altersvorsorgedepot und spart 42 Jahre bis zum 67. Geburtstag. Bei 1.800 Euro Eigenbeitrag pro Jahr und angenommenen fünf Prozent Rendite nach Kosten entstehen rechnerisch rund 243.000 Euro ohne Zulage. Mit jährlich 540 Euro Grundzulage wären es rund 316.000 Euro. Dieser Betrag muss nach den dann geltenden Regeln zwar versteuert werden. Dennoch zeigt das Beispiel, was mit dem Altersvorsorgedepot möglich ist. ",[],{"type":1031,"text":2607,"spans":2608,"direction":1034},"Wer Nachwuchs hat, kann zusätzlich nochmal bis zu 300 Euro pro Kinder erhalten. Diesen Höchstbetrag gibt es aber erst ab 300 Euro Eigenleistung pro Sprössling und Jahr.",[],{"type":1031,"text":2610,"spans":2611,"direction":1034},"Wichtig: Sowohl die Beiträge als auch die Zulagen werden in unserer Beispielsrechnung jeweils zum Jahresende angelegt; die Förderung bleibt unverändert. Die Rechnung zeigt den Zulageneffekt bei einer angenommenen Rendite, keinen vollständigen Vergleich mit einem normalen Depot. Die Zuschüsse erhöhen den Anlagebetrag, nicht die Börsenrendite.",[],"text_block$d1528723-9ab8-45ae-a7a6-074e14ce749d",{"variation":1368,"version":1369,"items":2614,"primary":2615,"id":2624,"slice_type":2625,"slice_label":5},[],{"image":2616,"image_url":5,"caption":2623},{"dimensions":2617,"alt":2619,"copyright":5,"url":2620,"id":2621,"edit":2622},{"width":2007,"height":2618},566,"Vorsorgedepot: Grafik zum Verlauf der Rendite - mit und ohne Zulage","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FwKc0kZadQ6C-bN8d_GrafikAltersvorsorgedepotwirkung.jpg?auto=format,compress","wKc0kZadQ6C-bN8d",{"x":24,"y":24,"zoom":25,"background":26},[],"image$1aba26bb-4815-42dc-b041-2f2002180c1f","image",{"variation":1368,"version":1369,"items":2627,"primary":2628,"id":2668,"slice_type":1488,"slice_label":5},[],{"text":2629,"chart_alt":5},[2630,2633,2636,2639,2642,2645,2648,2659,2662,2665],{"type":1374,"text":2631,"spans":2632,"direction":1034},"Was passiert mit der Riester-Rente, wenn das Altersvorsorgedepot kommt? ",[],{"type":1031,"text":2634,"spans":2635,"direction":1034},"Bestehende Riester-Verträge werden nicht automatisch beendet oder umgewandelt. Sie können Ihren Vertrag mit der bisherigen Förderung weiter besparen oder ihn beitragsfrei stellen, ohne dass bereits erhaltene Zulagen verloren gehen.",[],{"type":1031,"text":2637,"spans":2638,"direction":1034},"Ab 2027 können Sie Ihr Guthaben auch direkt in ein Altersvorsorgedepot übertragen, ohne die bisherige Förderung zurückzahlen zu müssen. Sollten Sie mit dieser Option liebäugeln, prüfen Sie vorher unbedingt die Kosten und Garantien Ihres Anbieters, um Verluste zu vermeiden.  ",[],{"type":1031,"text":2640,"spans":2641,"direction":1034},"Alternativ gibt es auch die Möglichkeit, den Riester-Vertrag zu behalten und nur zur neuen staatlichen Förderung wechseln. Auch ein solches Vorgehen ist aber nicht immer lukrativ. Verbraucherschützer empfehlen daher, sich im Vorfeld beraten zu lassen. zumal der Wechsel in die neue Fördersystematik grundsätzlich alle Riester-Verträge eines Kunden betrifft und sich nicht rückgängig machen lässt.",[],{"type":1031,"text":2643,"spans":2644,"direction":1034},"Vorsicht: Eine vorzeitige Auszahlung der Riesterrente zur freien Verwendung kostet Sie alle bis dahin erhaltene Fördermittel. Sie müssen also Zulagen und Steuervorteile zurückzahlen. Kosten und Steuern auf Erträge können den Auszahlungsbetrag zusätzlich mindern. Bitten Sie Ihren Anbieter daher vor einer Kündigung unbedingt, Ihnen den voraussichtlichen Auszahlungsbetrag zu nennen und dabei alle Abzüge zu berücksichtigen. Bedenken Sie zudem, dass auf die Erträge Steuern anfallen können. Eine Verbraucherzentrale kann Sie bei der Entscheidung für oder gegen die vorzeitige Kündigung ihres Vertrages unabhängig beraten.",[],{"type":1374,"text":2646,"spans":2647,"direction":1034},"Wo finden Interessenten die besten Anbieter? ",[],{"type":1031,"text":2649,"spans":2650,"direction":1034},"Ob ein Anbieter überzeugt, hängt auch von seinen Kosten ab. Mit dem FMH-Fondsrenditerechner können Sie deren Wirkung durchspielen. Für flexiblen Vermögensaufbau bietet der FMH-Depotvergleich Orientierung. Wichtig ist es allerdings, sich noch einmal die Unterschiede zwischen einem herkömmlichen und dem Altersvorsorgedepot vor Augen führen:  ",[2651,2655],{"start":1460,"end":2652,"type":1433,"data":2653},91,{"id":248,"type":107,"tags":2654,"lang":13,"slug":250,"first_publication_date":251,"last_publication_date":252,"uid":253,"url":254,"link_type":43,"isBroken":45},[],{"start":1505,"end":2656,"type":1433,"data":2657},190,{"id":141,"type":107,"tags":2658,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"type":1031,"text":2660,"spans":2661,"direction":1034},"Fürs normale Depot gibt es keine Zulagen und es gelten andere Steuerregeln. Im Altersvorsorgedepot bleiben Erträge und Wertsteigerungen während der Ansparphase steuerfrei. Die späteren Auszahlungen aus dem geförderten Kapital sind dagegen vollständig mit Ihrem persönlichen Einkommensteuersatz zu versteuern – einschließlich der eingezahlten Beiträge und Zulagen. Zudem können Sparer bis zur Rente nicht auf ihr Geld zugreifen – es sei denn, sie zahlen die Förderung und Steuervorteile zurück.  ",[],{"type":1031,"text":2663,"spans":2664,"direction":1034},"Im Gegensatz dazu fällt im normalen Depot auf alle Erträge sofort die Abgeltungsteuer in Höhe von 25 Prozent. Hinzu kommen 5,5 Prozent Solidaritätszuschlag und ggfls. die Kirchensteuer. Dafür haben Sie jederzeit Zugriff auf Ihr Geld. ",[],{"type":1031,"text":2666,"spans":2667,"direction":1034},"Fazit: Das Altersvorsorgedepot kann die private Vorsorge verbessern, vor allem für Beschäftigte, die noch viel Zeit bis zur Rente und somit einen langen Anlagehorizont haben. Umso wichtiger ist jetzt, dass auch Menschen ohne Börsenerfahrung das neue Angebot verstehen. Wir von der FMH wollen dazu unseren Beitrag leisten. Denn nur so kann aus mehr Eigenverantwortung tatsächlich mehr Handlungsspielraum für die Rente werden. \n ",[],"text_block$12604a7f-7f69-40aa-88bb-d920aa2860b5","Altersvorsorgedepot ab 2027: Chancen & Förderung | FMH","Das Altersvorsorgedepot ab 2027 verständlich erklärt: staatliche Förderung, ETFs, Kosten und Risiken. Was Börsenneulinge und Riester-Sparer wissen sollten.",{"dimensions":2672,"alt":2515,"copyright":2516,"url":2675,"id":2518,"edit":2676},{"width":2673,"height":2674},2400,1260,"https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002Fy9_TzIa2tDJM7HTZ_SeniorM%C3%A4nnermitlustigenSonnenbrillentrinkenSaft.jpg?auto=format,compress&rect=0,106,1500,788&w=2400&h=1260",{"x":24,"y":1621,"zoom":25,"background":26},{"id":342,"uid":347,"url":348,"type":319,"href":2678,"tags":2679,"first_publication_date":345,"last_publication_date":346,"slugs":2680,"linked_documents":2681,"lang":13,"alternate_languages":2682,"data":2683},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aoLg8BEAACwAg_On%22%29+%5D%5D",[],[344],[],[],{"publication_date":2684,"last_edit_date":2684,"set_last_edit_date_today":45,"title":2685,"subtitle":2686,"breadcrumb_title":5,"topic":2687,"teaser":2690,"author":2694,"cover":2697,"cover_position":1361,"table_of_content":1363,"toc_calculator":1364,"toc_selection":1365,"carousel_topic_filter":2703,"slices":2706,"meta_title":5,"meta_description":5,"meta_image":3211,"meta_indexed":1347},"2026-08-17","Frühstart-Rente: So funktioniert die neue Altersvorsorge für Kinder","Wer die staatliche Förderung erhält und was Eltern jetzt wissen sollten",{"id":1331,"type":1332,"tags":2688,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2689,"isBroken":45},[],"5f54ec78-a1e2-4629-8359-14b996b5cc49",[2691],{"type":1031,"text":2692,"spans":2693,"direction":1034},"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":1352,"type":1353,"tags":2695,"lang":13,"slug":1355,"first_publication_date":1356,"last_publication_date":1357,"uid":1358,"link_type":43,"key":2696,"isBroken":45},[],"636cf93d-7694-41fa-b93e-e2daf9397711",{"dimensions":2698,"alt":2699,"copyright":2516,"url":2700,"id":2701,"edit":2702},{"width":2034,"height":2035},"Vier Kinder spielen gemeinsam zwischen Bäumen in einem sonnigen Wald","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":1922,"y":24,"zoom":25,"background":26},{"id":1331,"type":1332,"tags":2704,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2705,"isBroken":45},[],"008844f2-f36e-405b-b946-2dff0dfecba4",[2707,2876,3040],{"variation":1368,"version":1369,"items":2708,"primary":2709,"id":2875,"slice_type":1488,"slice_label":5},[],{"text":2710,"chart_alt":5},[2711,2714,2719,2721,2724,2728,2732,2737,2740,2746,2750,2755,2759,2762,2765,2769,2772,2775,2781,2785,2788,2791,2794,2799,2803,2807,2810,2813,2816,2821,2824,2828,2831,2834,2837,2845,2850,2853,2857,2860,2863,2866,2869,2872],{"type":1031,"text":2712,"spans":2713,"direction":1034},"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":1031,"text":2715,"spans":2716,"direction":1034},"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.",[2717],{"start":2718,"end":1461,"type":1383},79,{"type":1031,"text":1524,"spans":2720,"direction":1034},[],{"type":1374,"text":2722,"spans":2723,"direction":1034},"Das Wichtigste zur Frühstart-Rente",[],{"type":1378,"text":2725,"spans":2726,"direction":1034},"Der Staat zahlt 10 Euro pro Monat für jedes anspruchsberechtigte Kind.",[2727],{"start":1394,"end":1548,"type":1383},{"type":1378,"text":2729,"spans":2730,"direction":1034},"Gefördert wird grundsätzlich vom 6. bis zum 18. Lebensjahr.",[2731],{"start":1548,"end":1417,"type":1383},{"type":1378,"text":2733,"spans":2734,"direction":1034},"Die Förderung ist unabhängig vom Einkommen der Eltern.",[2735],{"start":2736,"end":1934,"type":1383},18,{"type":1378,"text":2738,"spans":2739,"direction":1034},"Die Eltern können ein geeignetes Altersvorsorgedepot für ihr Kind eröffnen.",[],{"type":1378,"text":2741,"spans":2742,"direction":1034},"Wird kein Depot eröffnet, legt der Staat das Geld kollektiv am Kapitalmarkt an.",[2743],{"start":1536,"end":1408,"type":1433,"data":2744},{"id":141,"type":107,"tags":2745,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"type":1378,"text":2747,"spans":2748,"direction":1034},"Die Frühstart-Rente startet mit dem Geburtsjahrgang 2020. Die Förderung für diesen Jahrgang wird für 2026 rückwirkend gewährt.",[2749],{"start":1664,"end":1432,"type":1383},{"type":1378,"text":2751,"spans":2752,"direction":1034},"Die regulären Einzahlungen sollen ab 2027 beginnen.",[2753],{"start":1639,"end":2754,"type":1383},41,{"type":1378,"text":2756,"spans":2757,"direction":1034},"Das geförderte Geld ist grundsätzlich bis zum 65. Lebensjahr gebunden.",[2758],{"start":1454,"end":1455,"type":1383},{"type":1374,"text":2760,"spans":2761,"direction":1034},"Frühstart-Rente beschlossen – aber noch nicht endgültig Gesetz",[],{"type":1031,"text":2763,"spans":2764,"direction":1034},"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":1031,"text":2766,"spans":2767,"direction":1034},"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.",[2768],{"start":1620,"end":1595,"type":1383},{"type":1031,"text":2770,"spans":2771,"direction":1034},"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":1374,"text":2773,"spans":2774,"direction":1034},"Wer bekommt die Frühstart-Rente?",[],{"type":1031,"text":2776,"spans":2777,"direction":1034},"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.",[2778],{"start":2779,"end":2780,"type":1383},205,235,{"type":1031,"text":2782,"spans":2783,"direction":1034},"Allerdings werden nicht sofort sämtliche Kinder zwischen sechs und 18 Jahren einbezogen. Die Frühstart-Rente wird jahrgangsweise eingeführt.",[2784],{"start":1410,"end":1825,"type":1383},{"type":1031,"text":2786,"spans":2787,"direction":1034},"Den Anfang machen die Kinder des Geburtsjahrgangs 2020. Anschließend kommt Jahr für Jahr der jeweils neue Jahrgang der Sechsjährigen hinzu. ",[],{"type":1031,"text":2789,"spans":2790,"direction":1034},"Für frühere Geburtsjahrgänge der unter 18-Jährigen können ebenfalls Verträge geschlossen werden, jedoch ohne staatliche Zuwendungen.",[],{"type":2556,"text":2792,"spans":2793,"direction":1034},"So ist die Einführung geplant",[],{"type":1031,"text":2795,"spans":2796,"direction":1034},"2026: Der Geburtsjahrgang 2020 erhält rückwirkend Anspruch auf die Förderung.",[2797],{"start":24,"end":2798,"type":1383},5,{"type":1031,"text":2800,"spans":2801,"direction":1034},"2027: Die tatsächlichen Zahlungen beginnen. Neben dem Jahrgang 2020 wird der Geburtsjahrgang 2021 einbezogen.",[2802],{"start":24,"end":2798,"type":1383},{"type":1031,"text":2804,"spans":2805,"direction":1034},"Ab 2028: Jedes Jahr kommt der nächste Geburtsjahrgang hinzu.",[2806],{"start":24,"end":1669,"type":1383},{"type":1031,"text":2808,"spans":2809,"direction":1034},"Dadurch wächst die Zahl der geförderten Kinder schrittweise.",[],{"type":1374,"text":2811,"spans":2812,"direction":1034},"Wie viel Geld zahlt der Staat?",[],{"type":1031,"text":2814,"spans":2815,"direction":1034},"Die staatliche Förderung beträgt:",[],{"type":1031,"text":2817,"spans":2818,"direction":1034},"10 Euro pro Monat beziehungsweise 120 Euro pro Jahr.",[2819],{"start":24,"end":2820,"type":1383},52,{"type":1031,"text":2822,"spans":2823,"direction":1034},"Über die maximale Förderzeit von zwölf Jahren summieren sich die reinen staatlichen Einzahlungen damit auf:",[],{"type":1031,"text":2825,"spans":2826,"direction":1034},"10 Euro × 12 Monate × 12 Jahre = 1.440 Euro.",[2827],{"start":24,"end":1641,"type":1383},{"type":1031,"text":2829,"spans":2830,"direction":1034},"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":1374,"text":2832,"spans":2833,"direction":1034},"Aus 1.440 Euro können laut Bundesregierung rund 53.000 Euro werden",[],{"type":1031,"text":2835,"spans":2836,"direction":1034},"Das Bundesfinanzministerium zeigt in einer Beispielrechnung, wie stark sich der lange Anlagehorizont auswirken könnte.",[],{"type":1031,"text":2838,"spans":2839,"direction":1034},"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.",[2840,2841,2843],{"start":1925,"end":1671,"type":1383},{"start":2842,"end":1965,"type":1383},187,{"start":2844,"end":1705,"type":1383},291,{"type":1031,"text":2846,"spans":2847,"direction":1034},"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.",[2848,2849],{"start":24,"end":1669,"type":1383},{"start":1432,"end":1866,"type":1383},{"type":2556,"text":2851,"spans":2852,"direction":1034},"Wie hoch wäre daraus die spätere Monatsrente?",[],{"type":1031,"text":2854,"spans":2855,"direction":1034},"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.",[2856],{"start":1792,"end":1824,"type":1383},{"type":1031,"text":2858,"spans":2859,"direction":1034},"Wie viel später tatsächlich monatlich zur Verfügung steht, hängt unter anderem davon ab,",[],{"type":1378,"text":2861,"spans":2862,"direction":1034},"wie lange das Kapital ausgezahlt werden soll,",[],{"type":1378,"text":2864,"spans":2865,"direction":1034},"wie sich das verbleibende Vermögen während der Auszahlungsphase entwickelt,",[],{"type":1378,"text":2867,"spans":2868,"direction":1034},"welche Kosten anfallen und",[],{"type":1378,"text":2870,"spans":2871,"direction":1034},"wie die Leistungen steuerlich behandelt werden.",[],{"type":1031,"text":2873,"spans":2874,"direction":1034},"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":1368,"version":1369,"items":2877,"primary":2878,"id":3038,"slice_type":3039,"slice_label":5},[],{"title":2879,"textblock":2880,"table":2892,"footnotes":3034,"primary_background":45,"primary_column_background":1347,"primary_row_background":1347},"Eltern können zusätzlich einzahlen",[2881,2884,2889],{"type":1031,"text":2882,"spans":2883,"direction":1034},"Die staatlichen zehn Euro müssen nicht die einzige Einzahlung bleiben. Eltern oder andere Personen können das Vorsorgedepot zusätzlich besparen.",[],{"type":1031,"text":2885,"spans":2886,"direction":1034},"Nach dem Regierungsentwurf sind private Zuzahlungen von bis zu 6.840 Euro pro Jahr möglich.",[2887],{"start":1616,"end":2888,"type":1383},82,{"type":1031,"text":2890,"spans":2891,"direction":1034},"Welchen Effekt zusätzliche Sparbeträge haben können, zeigt ebenfalls eine Modellrechnung des Bundesfinanzministeriums:",[],{"head":2893,"body":2923},{"rows":2894},[2895],{"key":2896,"cells":2897},"e28bc612-79ba-4c04-a6cf-1fe309df13fc",[2898,2905,2911,2917],{"key":2899,"type":2900,"content":2901},"f1bc83dc-c5d3-4562-9f61-62df33618ec2","header",[2902],{"type":1031,"text":2903,"spans":2904,"direction":1034},"Zusätzliche Einzahlung der Eltern",[],{"key":2906,"type":2900,"content":2907},"2fe9a12c-2bdf-4b57-bd8f-0dac489a3193",[2908],{"type":1031,"text":2909,"spans":2910,"direction":1034},"Einzahlungen bis 18",[],{"key":2912,"type":2900,"content":2913},"8a7c872d-7801-4d17-a6c4-c03a06472748",[2914],{"type":1031,"text":2915,"spans":2916,"direction":1034},"Modellwert mit 18",[],{"key":2918,"type":2900,"content":2919},"30ffa89f-4573-4719-8b49-5e3c34362255",[2920],{"type":1031,"text":2921,"spans":2922,"direction":1034},"Modellwert mit 65",[],{"rows":2924},[2925,2953,2980,3007],{"key":2926,"cells":2927},"159dc215-c1ae-4cb9-8ec3-405ee4dd49c6",[2928,2935,2941,2947],{"key":2929,"type":2930,"content":2931},"abf444d9-d642-4796-87e7-9bf9f2f42b76","data",[2932],{"type":1031,"text":2933,"spans":2934,"direction":1034},"0 € monatlich",[],{"key":2936,"type":2930,"content":2937},"0df28f3c-5fcd-4f64-b382-7ade381bf594",[2938],{"type":1031,"text":2939,"spans":2940,"direction":1034},"1.440 €",[],{"key":2942,"type":2930,"content":2943},"e8907d3e-b088-497b-8cdd-a7b6b3417cf0",[2944],{"type":1031,"text":2945,"spans":2946,"direction":1034},"ca. 2.200 €",[],{"key":2948,"type":2930,"content":2949},"edf5163c-2962-482d-9c3c-1b37ba4b708d",[2950],{"type":1031,"text":2951,"spans":2952,"direction":1034},"ca. 53.000 €",[],{"key":2954,"cells":2955},"a6ab571c-ca34-4e59-8977-30dd8aaf7b0e",[2956,2962,2968,2974],{"key":2957,"type":2930,"content":2958},"fb1d675b-9012-4698-9830-c284a72086eb",[2959],{"type":1031,"text":2960,"spans":2961,"direction":1034},"10 € monatlich",[],{"key":2963,"type":2930,"content":2964},"168802e4-d671-488c-83c1-e424e6060ef4",[2965],{"type":1031,"text":2966,"spans":2967,"direction":1034},"2.880 €",[],{"key":2969,"type":2930,"content":2970},"b0b3dea4-0f6e-4b62-95c2-9221fa184d58",[2971],{"type":1031,"text":2972,"spans":2973,"direction":1034},"ca. 4.400 €",[],{"key":2975,"type":2930,"content":2976},"8908ff56-9be8-4596-8d0d-859e3b6cae2d",[2977],{"type":1031,"text":2978,"spans":2979,"direction":1034},"ca. 107.000 €",[],{"key":2981,"cells":2982},"838d647c-9628-48e7-9b16-3af1d927c668",[2983,2989,2995,3001],{"key":2984,"type":2930,"content":2985},"aab6d280-f371-460d-8029-f11ee14a3004",[2986],{"type":1031,"text":2987,"spans":2988,"direction":1034},"20 € monatlich",[],{"key":2990,"type":2930,"content":2991},"ee96fcef-2a93-4c97-bb9d-50dc17f028d1",[2992],{"type":1031,"text":2993,"spans":2994,"direction":1034},"4.320 €",[],{"key":2996,"type":2930,"content":2997},"830c87bf-d3b8-4143-a0aa-82513c5d9972",[2998],{"type":1031,"text":2999,"spans":3000,"direction":1034},"ca. 6.600 €",[],{"key":3002,"type":2930,"content":3003},"b500f1da-a457-463f-842d-5a73e8dcfb8d",[3004],{"type":1031,"text":3005,"spans":3006,"direction":1034},"ca. 160.000 €",[],{"key":3008,"cells":3009},"8673125d-74c4-4031-b67c-6ae8da3b9859",[3010,3016,3022,3028],{"key":3011,"type":2930,"content":3012},"afe908ab-077b-4cf7-b129-3e293b6407a9",[3013],{"type":1031,"text":3014,"spans":3015,"direction":1034},"50 € monatlich",[],{"key":3017,"type":2930,"content":3018},"38311c62-2b90-4568-bd88-2a42034e7e45",[3019],{"type":1031,"text":3020,"spans":3021,"direction":1034},"8.640 €",[],{"key":3023,"type":2930,"content":3024},"c505823a-3e1c-40b4-af7f-2574d199c88b",[3025],{"type":1031,"text":3026,"spans":3027,"direction":1034},"ca. 13.300 €",[],{"key":3029,"type":2930,"content":3030},"b1b16239-1ea3-4899-89f1-44feada66df4",[3031],{"type":1031,"text":3032,"spans":3033,"direction":1034},"ca. 320.000 €",[],[3035],{"type":1031,"text":3036,"spans":3037,"direction":1034},"Auch diese Werte basieren auf einer angenommenen durchschnittlichen Wertentwicklung von sieben Prozent pro Jahr und sind nicht garantiert.",[],"table$eaceff8e-d1b2-4ffc-a59c-4405a16b3a8a","table",{"variation":1368,"version":1369,"items":3041,"primary":3042,"id":3210,"slice_type":1488,"slice_label":5},[],{"text":3043,"chart_alt":5},[3044,3047,3052,3055,3059,3063,3066,3069,3072,3075,3081,3084,3087,3093,3096,3099,3102,3108,3111,3114,3117,3120,3123,3126,3129,3132,3135,3138,3141,3144,3147,3150,3153,3156,3159,3162,3165,3168,3171,3174,3177,3180,3183,3186,3194,3197,3200,3203,3206],{"type":1374,"text":3045,"spans":3046,"direction":1034},"Wie wird das Geld der Frühstart-Rente angelegt?",[],{"type":1031,"text":3048,"spans":3049,"direction":1034},"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.",[3050],{"start":1621,"end":3051,"type":1383},170,{"type":1031,"text":3053,"spans":3054,"direction":1034},"Der Staat macht dabei Vorgaben zu den Kosten:",[],{"type":1378,"text":3056,"spans":3057,"direction":1034},"Die Effektivkosten dürfen in der Ansparphase maximal 1 Prozent betragen.",[3058],{"start":1452,"end":1601,"type":1383},{"type":1378,"text":3060,"spans":3061,"direction":1034},"Bis zur Volljährigkeit dürfen keine Abschluss- und Vertriebskosten verlangt werden.",[3062],{"start":1588,"end":1925,"type":1383},{"type":1031,"text":3064,"spans":3065,"direction":1034},"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":1031,"text":3067,"spans":3068,"direction":1034},"Gerade der lange Zeitraum bis zum Rentenalter soll dabei helfen, kurzfristige Schwankungen auszugleichen und langfristige Renditechancen zu nutzen.",[],{"type":1374,"text":3070,"spans":3071,"direction":1034},"Was passiert, wenn die Eltern kein Depot eröffnen?",[],{"type":1031,"text":3073,"spans":3074,"direction":1034},"Kein Kind soll die staatliche Förderung verlieren, nur weil die Eltern kein Altersvorsorgedepot auswählen.",[],{"type":1031,"text":3076,"spans":3077,"direction":1034},"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.",[3078,3079],{"start":1816,"end":1572,"type":1383},{"start":1540,"end":3080,"type":1383},209,{"type":1031,"text":3082,"spans":3083,"direction":1034},"Das Geld soll dabei global diversifiziert und vor allem in Aktien beziehungsweise Aktienfonds investiert werden.",[],{"type":1031,"text":3085,"spans":3086,"direction":1034},"Die kollektive Anlage beginnt zeitversetzt. Eltern erhalten zunächst ausreichend Gelegenheit, selbst einen individuellen Vertrag für ihr Kind abzuschließen.",[],{"type":1031,"text":3088,"spans":3089,"direction":1034},"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.",[3090],{"start":3091,"end":3092,"type":1383},182,216,{"type":1374,"text":3094,"spans":3095,"direction":1034},"Was passiert mit dem Depot ab dem 18. Geburtstag?",[],{"type":1031,"text":3097,"spans":3098,"direction":1034},"Mit der Volljährigkeit endet die staatliche Einzahlung von zehn Euro pro Monat. Das angesparte Kapital bleibt jedoch für die Altersvorsorge erhalten.",[],{"type":1031,"text":3100,"spans":3101,"direction":1034},"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":1031,"text":3103,"spans":3104,"direction":1034},"Eine freie Auszahlung mit 18 Jahren ist dagegen nicht vorgesehen. Das geförderte Kapital soll grundsätzlich erst ab dem 65. Lebensjahr verfügbar sein.",[3105],{"start":3106,"end":3107,"type":1383},108,134,{"type":1031,"text":3109,"spans":3110,"direction":1034},"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":1374,"text":3112,"spans":3113,"direction":1034},"Wie werden Erträge aus der Frühstart-Rente besteuert?",[],{"type":1031,"text":3115,"spans":3116,"direction":1034},"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":1031,"text":3118,"spans":3119,"direction":1034},"Dadurch können während der jahrzehntelangen Ansparphase auch Erträge weiter investiert werden, die bei einem normalen Wertpapierdepot möglicherweise bereits besteuert würden.",[],{"type":1374,"text":3121,"spans":3122,"direction":1034},"Checkliste: Was Eltern zur Frühstart-Rente wissen sollten",[],{"type":2556,"text":3124,"spans":3125,"direction":1034},"1. Prüfen, wann das eigene Kind an der Reihe ist",[],{"type":1378,"text":3127,"spans":3128,"direction":1034},"Geburtsjahr des Kindes prüfen.",[],{"type":1378,"text":3130,"spans":3131,"direction":1034},"Der erste geförderte Jahrgang ist 2020.",[],{"type":1378,"text":3133,"spans":3134,"direction":1034},"Danach kommt jedes Jahr ein weiterer Jahrgang hinzu.",[],{"type":1378,"text":3136,"spans":3137,"direction":1034},"Voraussetzung ist nach aktuellem Regierungsentwurf ein erster Wohnsitz in Deutschland.",[],{"type":2556,"text":3139,"spans":3140,"direction":1034},"2. Noch auf den Abschluss des Gesetzgebungsverfahrens warten",[],{"type":1378,"text":3142,"spans":3143,"direction":1034},"Der Regierungsentwurf wurde am 12. August 2026 vom Bundeskabinett beschlossen.",[],{"type":1378,"text":3145,"spans":3146,"direction":1034},"Bundestag und Bundesrat müssen sich noch mit dem Gesetz befassen.",[],{"type":1378,"text":3148,"spans":3149,"direction":1034},"Die praktische Umsetzung soll ab 2027 beginnen.",[],{"type":2556,"text":3151,"spans":3152,"direction":1034},"3. Individuelles Vorsorgedepot prüfen",[],{"type":1378,"text":3154,"spans":3155,"direction":1034},"Sobald entsprechende Produkte angeboten werden, Konditionen verschiedener Anbieter vergleichen.",[],{"type":1378,"text":3157,"spans":3158,"direction":1034},"Nur geeignete und zertifizierte Standarddepot-Verträge kommen für die staatliche Förderung infrage.",[],{"type":1378,"text":3160,"spans":3161,"direction":1034},"Auf Kosten, Anlagestrategie und langfristige Renditechancen achten.",[],{"type":2556,"text":3163,"spans":3164,"direction":1034},"4. Eigene Zuzahlungen überlegen",[],{"type":1378,"text":3166,"spans":3167,"direction":1034},"Prüfen, ob zusätzlich zu den zehn Euro des Staates eigenes Geld eingezahlt werden soll.",[],{"type":1378,"text":3169,"spans":3170,"direction":1034},"Bereits kleinere monatliche Beträge können durch den langen Anlagezeitraum einen erheblichen Unterschied machen.",[],{"type":1378,"text":3172,"spans":3173,"direction":1034},"Private Zuzahlungen sind nach aktuellem Stand bis 6.840 Euro pro Jahr möglich.",[],{"type":2556,"text":3175,"spans":3176,"direction":1034},"5. Kein Depot eröffnet? Die Förderung geht nicht verloren",[],{"type":1378,"text":3178,"spans":3179,"direction":1034},"Ohne individuelle Entscheidung wird das Geld kollektiv angelegt.",[],{"type":1378,"text":3181,"spans":3182,"direction":1034},"Die Deutsche Bundesbank soll die staatliche Kapitalanlage verwalten.",[],{"type":1378,"text":3184,"spans":3185,"direction":1034},"Der individuelle Anteil kann später in einen persönlichen Altersvorsorgevertrag übertragen werden.",[],{"type":1378,"text":3187,"spans":3188,"direction":1034},"Tipp: In unserem Depot-Vergleich können Sie sich einen Überblick zu vielen Anbietern verschaffen.",[3189,3190,3193],{"start":24,"end":2798,"type":1383},{"start":1561,"end":1616,"type":1433,"data":3191},{"id":141,"type":107,"tags":3192,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"start":1561,"end":1616,"type":1383},{"type":1374,"text":3195,"spans":3196,"direction":1034},"Fazit: Die zehn Euro sind vor allem der Startschuss",[],{"type":1031,"text":3198,"spans":3199,"direction":1034},"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":1031,"text":3201,"spans":3202,"direction":1034},"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":1031,"text":3204,"spans":3205,"direction":1034},"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":1031,"text":3207,"spans":3208,"direction":1034},"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.",[3209],{"start":1652,"end":1778,"type":1383},"text_block$42c426ff-f94e-435a-a65f-f71195fefeac",{},{"id":318,"uid":324,"url":325,"type":319,"href":3213,"tags":3214,"first_publication_date":322,"last_publication_date":323,"slugs":3215,"linked_documents":3216,"lang":13,"alternate_languages":3217,"data":3218},"https:\u002F\u002Ffmh-de-dev.cdn.prismic.io\u002Fapi\u002Fv2\u002Fdocuments\u002Fsearch?ref=avNVshIAACgAwX3j&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22anmRVREAACwAdYoe%22%29+%5D%5D",[],[321],[],[],{"publication_date":3219,"last_edit_date":3219,"set_last_edit_date_today":45,"title":3220,"subtitle":3221,"breadcrumb_title":3222,"topic":3223,"teaser":3226,"author":3233,"cover":3240,"cover_position":1361,"table_of_content":3247,"toc_calculator":1364,"toc_selection":3248,"carousel_topic_filter":3249,"slices":3252,"meta_title":3628,"meta_description":3629,"meta_image":3630,"meta_indexed":1347},"2026-08-10","Tagesgeld-Hopping lohnt sich","Bis zu 846 Prozent Zinsplus für Tagesgeld-Hopper","Tagesgeldhopping",{"id":1331,"type":1332,"tags":3224,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":3225,"isBroken":45},[],"ee2b754a-b845-4a46-a4bb-1b7ae50a9232",[3227],{"type":1031,"text":3228,"spans":3229,"direction":1034},"Was bringen die Neukundenangebote beim Tagesgeld wirklich? Um das zu ermitteln, haben wir die Zinserträge von drei sehr verschiedenen Tagesgeld-Anlegern in den letzten vier Jahren verglichen. Das Ergebnis: Treue beim Sparen wird nicht belohnt…",[3230],{"start":24,"end":3231,"type":3232},243,"em",{"id":3234,"type":1353,"tags":3235,"lang":13,"slug":3236,"first_publication_date":3237,"last_publication_date":3238,"uid":3236,"link_type":43,"key":3239,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","f3bd9987-0d5d-486b-b4a7-f4737d8adccc",{"dimensions":3241,"alt":3242,"copyright":3243,"url":3244,"id":3245,"edit":3246},{"width":2034,"height":2035},"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":1331,"type":1332,"tags":3250,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":3251,"isBroken":45},[],"f0910e4a-1e0f-42df-9a17-21f738febbaf",[3253,3275,3402,3440,3565,3620],{"variation":1368,"version":1369,"items":3254,"primary":3255,"id":3274,"slice_type":1488,"slice_label":5},[],{"text":3256,"chart_alt":5},[3257,3263,3266,3269,3271],{"type":1031,"text":3258,"spans":3259,"direction":1034},"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.",[3260],{"start":1777,"end":1595,"type":1433,"data":3261},{"id":106,"type":107,"tags":3262,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"type":1031,"text":3264,"spans":3265,"direction":1034},"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":1031,"text":3267,"spans":3268,"direction":1034},"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":1031,"text":1524,"spans":3270,"direction":1034},[],{"type":1031,"text":3272,"spans":3273,"direction":1034},"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":1368,"version":1369,"items":3276,"primary":3277,"id":3400,"slice_type":3401,"slice_label":5},[],{"title":3278,"table":3279},"Drei unterschiedliche Kunden",{"head":3280,"body":3309},{"rows":3281},[3282],{"key":3283,"cells":3284},"1b7862ee-a222-4ebf-828b-2cdc18ac35d0",[3285,3291,3297,3303],{"key":3286,"type":2900,"content":3287},"b847db47-f7d0-48e6-8d96-4401d428ebf2",[3288],{"type":1031,"text":3289,"spans":3290,"direction":1034},"Kundentyp",[],{"key":3292,"type":2900,"content":3293},"72a6111c-412c-4886-93cd-0ece552e73b2",[3294],{"type":1031,"text":3295,"spans":3296,"direction":1034},"Wechselverhalten",[],{"key":3298,"type":2900,"content":3299},"7b326341-cd56-4516-bd2d-b1b97f12e0d8",[3300],{"type":1031,"text":3301,"spans":3302,"direction":1034},"Vorgehen",[],{"key":3304,"type":2900,"content":3305},"8d642a71-ec78-4186-a549-5ad69207183a",[3306],{"type":1031,"text":3307,"spans":3308,"direction":1034},"Strategie",[],{"rows":3310},[3311,3345,3373],{"key":3312,"cells":3313},"23020563-390d-4269-9d96-2de11583abeb",[3314,3324,3330,3339],{"key":3315,"type":2900,"content":3316},"81d42ec0-9395-4df3-94bd-de30fb31905b",[3317],{"type":1031,"text":3318,"spans":3319,"direction":1034},"Tagesgeld-Hopper\n\"Hannah Hopper\"",[3320,3321,3322],{"start":24,"end":1394,"type":1383},{"start":1561,"end":2736,"type":1383},{"start":3323,"end":1616,"type":1383},31,{"key":3325,"type":2930,"content":3326},"19f0f95f-d4b4-4359-9696-e3d3856c8fcf",[3327],{"type":1031,"text":3328,"spans":3329,"direction":1034},"16 Bankwechsel in 4 Jahren, 17 Konten eröffnet",[],{"key":3331,"type":2930,"content":3332},"b28ca701-39a7-43f5-abc2-8bba8787fb98",[3333],{"type":1031,"text":3334,"spans":3335,"direction":1034},"Wechsel bei einem Zinsvorteil von mindestens 0,5 Prozentpunkten; Orientierung am FMH-Tagesgeldvergleich",[3336],{"start":1866,"end":1792,"type":1433,"data":3337},{"id":106,"type":107,"tags":3338,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"key":3340,"type":2930,"content":3341},"9aefd59e-6f07-448c-825a-cdffa11e6086",[3342],{"type":1031,"text":3343,"spans":3344,"direction":1034},"Nutzt konsequent attraktive Tagesgeldangebote und Neukundenkonditionen",[],{"key":3346,"cells":3347},"00b2dfa1-cb4d-4bf6-b520-16314e9bee32",[3348,3355,3361,3367],{"key":3349,"type":2900,"content":3350},"56c39935-ab43-4364-a29e-f274cd76b32d",[3351],{"type":1031,"text":3352,"spans":3353,"direction":1034},"Direktbank-Kunde\n\"Dieter Direkt\"",[3354],{"start":24,"end":1561,"type":1383},{"key":3356,"type":2930,"content":3357},"2b2e00a1-d08c-483e-a68f-1480d37f13d1",[3358],{"type":1031,"text":3359,"spans":3360,"direction":1034},"Kein Bankwechsel in 4 Jahren",[],{"key":3362,"type":2930,"content":3363},"63731bfc-adff-4d98-a214-980afb1c2878",[3364],{"type":1031,"text":3365,"spans":3366,"direction":1034},"Bleibt bei seiner Direktbank und profitiert lediglich von deren Zinsanpassungen",[],{"key":3368,"type":2930,"content":3369},"9979105c-c445-44a8-9af2-647baae1d3ed",[3370],{"type":1031,"text":3371,"spans":3372,"direction":1034},"Bequem, aber verzichtet auf bessere Angebote anderer Banken",[],{"key":3374,"cells":3375},"3c7e19fa-bf8b-4450-8aa5-129c70311c29",[3376,3383,3388,3394],{"key":3377,"type":2900,"content":3378},"504cefbb-d7ff-4103-9758-2a8258b111d2",[3379],{"type":1031,"text":3380,"spans":3381,"direction":1034},"Filialbank-Kunde\n\"Frank Filiale\"",[3382],{"start":24,"end":1394,"type":1383},{"key":3384,"type":2930,"content":3385},"26898e43-782a-45f9-9d86-75b9c2267db0",[3386],{"type":1031,"text":3359,"spans":3387,"direction":1034},[],{"key":3389,"type":2930,"content":3390},"5998eb99-e6e1-4768-8c13-570a6d1061c3",[3391],{"type":1031,"text":3392,"spans":3393,"direction":1034},"Bleibt bei seiner regionalen Filialbank; Zins wurde im Betrachtungszeitraum nur dreimal angepasst",[],{"key":3395,"type":2930,"content":3396},"30b178d5-c75b-48e1-8b6e-5eb8839e1609",[3397],{"type":1031,"text":3398,"spans":3399,"direction":1034},"Höchste Kundentreue, aber besonders geringe Nutzung attraktiverer Zinsangebote",[],"basic_table$6310457d-71e9-4fbf-9915-766699d7f586","basic_table",{"variation":1368,"version":1369,"items":3403,"primary":3404,"id":3439,"slice_type":1488,"slice_label":5},[],{"text":3405,"chart_alt":5},[3406,3409,3412,3415,3418,3421,3424,3433,3436],{"type":1374,"text":3407,"spans":3408,"direction":1034},"Wechselbereitschaft zahlt sich aus",[],{"type":1031,"text":3410,"spans":3411,"direction":1034},"Die Unterschiede bei den Zinserträgen sind eklatant.",[],{"type":1031,"text":3413,"spans":3414,"direction":1034},"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":1031,"text":3416,"spans":3417,"direction":1034},"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":1031,"text":3419,"spans":3420,"direction":1034},"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":1374,"text":3422,"spans":3423,"direction":1034},"Vorsicht bei Konto-Koppelung",[],{"type":1031,"text":3425,"spans":3426,"direction":1034},"Ein Selbstläufer ist Tagesgeldhopping aber nicht. Einige Banken koppeln die attraktiven Aktionszinsen inzwischen an die Eröffnung eines Girokontos oder eines Depots.",[3427,3430],{"start":1420,"end":1872,"type":1433,"data":3428},{"id":476,"type":107,"tags":3429,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"start":1467,"end":1485,"type":1433,"data":3431},{"id":141,"type":107,"tags":3432,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"type":1031,"text":3434,"spans":3435,"direction":1034},"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":1031,"text":3437,"spans":3438,"direction":1034},"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":1368,"version":1369,"items":3441,"primary":3442,"id":3564,"slice_type":3039,"slice_label":5},[],{"title":3443,"textblock":3444,"table":3456,"footnotes":3563,"primary_background":45,"primary_column_background":45,"primary_row_background":1347},"Zusammenfassung",[3445],{"type":1031,"text":3446,"spans":3447,"direction":1034},"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.",[3448,3450,3453],{"start":24,"end":3449,"type":1383},6,{"start":3451,"end":3452,"type":1383},230,267,{"start":3454,"end":3455,"type":1383},272,309,{"head":3457,"body":3495},{"rows":3458},[3459],{"key":3460,"cells":3461},"274fdecc-03a3-46c8-b1e8-e051285a12c1",[3462,3469,3474,3481,3488],{"key":3463,"type":2900,"content":3464},"aa62905e-715c-44a8-9d6f-0351f557fac3",[3465],{"type":1031,"text":3466,"spans":3467,"direction":1034},"Anlagezeitraum",[3468],{"start":24,"end":1766,"type":1383},{"key":3470,"type":2900,"content":3471},"bb497288-d069-4f33-8a8a-2668f731f812",[3472],{"type":1031,"text":1524,"spans":3473,"direction":1034},[],{"key":3475,"type":2900,"content":3476},"d7a96432-ccb4-4b8d-908d-a29a25302b94",[3477],{"type":1031,"text":3478,"spans":3479,"direction":1034},"Hannah 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Filialbank",[],{"key":3583,"type":2930,"content":3584},"8f76abb6-ca45-4ff7-a596-c26af315165f",[3585],{"type":1031,"text":3586,"spans":3587,"direction":1034},"5.947 €",[],{"key":3589,"cells":3590},"9c3b062d-fa11-4b96-ac04-3a9141238db2",[3591,3597],{"key":3592,"type":2930,"content":3593},"bf1e7ab4-78b4-4be9-a89b-f4675ddbf7cf",[3594],{"type":1031,"text":3595,"spans":3596,"direction":1034},"Vorteil Zinshopper gegenüber Direktbank",[],{"key":3598,"type":2930,"content":3599},"f66e7e2f-79ac-4c20-9835-29b190f90271",[3600],{"type":1031,"text":3601,"spans":3602,"direction":1034},"5.177 €",[],{"key":3604,"cells":3605},"29556961-6a12-4f62-b662-1dd9ddf2eb4e",[3606,3612],{"key":3607,"type":2930,"content":3608},"49f1082d-18a3-4bfc-9b69-60ba576ba2a7",[3609],{"type":1031,"text":3610,"spans":3611,"direction":1034},"Vorteil Direktbank gegenüber regionaler Filialbank",[],{"key":3613,"type":2930,"content":3614},"63e46b6c-2412-439e-bb85-09604a610a29",[3615],{"type":1031,"text":3616,"spans":3617,"direction":1034},"770 €",[],[],"table$48532cb7-d1de-46f3-9531-6d07572af5b1",{"variation":1368,"version":1369,"items":3621,"primary":3622,"id":3627,"slice_type":1488,"slice_label":5},[],{"text":3623,"chart_alt":5},[3624],{"type":1031,"text":3625,"spans":3626,"direction":1034},"Zugegeben, das Ergebnis ist etwas außergewöhnlich, weil Banken seit Februar 2024 teilweise Tagesgeldzinsen oberhalb des EZB-Einlagenzinses angeboten haben. Aber auch unabhängig davon gilt: Wer einen Tagesgeldzins erhält, der deutlich über dem Bestandskundenzins liegt, kann mit einem Wechsel spürbar mehr herausholen.",[],"text_block$70db3926-902e-4e7e-b20b-418bf1d66556","Tagesgeld-Hopping: Bis zu 846 % mehr Zinsen | FMH","Tagesgeld-Hopping im Vergleich: Wer regelmäßig wechselt, erzielte in vier Jahren bis zu 846 % mehr Zinsen. Ergebnisse ansehen und Vorteile prüfen.",{}]