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Je nach Anbieter ist die Bandbreite aber groß: Die Offerten reichen von 0,0 bis 2,25 Prozent. ",[],{"type":1377,"text":1384,"spans":1385,"direction":1034},"Begrenze Verfügbarkeit; Bis zu 2.000 Euro pro Monat dürfen Sparbuchkunden jederzeit abheben. Für Beträge, die darüber liegen, gilt eine Kündigungsfrist von drei Monaten. ",[],{"type":1377,"text":1387,"spans":1388,"direction":1034},"Sparbücher bieten risikoscheuen Sparern eine sichere Möglichkeit, ihr Geld zu parken. Zum Vermögensaufbau sind sie hingegen nicht mehr geeignet. ",[],{"type":1373,"text":1390,"spans":1391,"direction":1034},"Für jeden das richtige Sparbuch",[],{"type":1377,"text":1393,"spans":1394,"direction":1034},"Für Sparer, die Wert auf Verlässlichkeit legen: Beim akf sparkonto profitieren Sie von 2,40 % p.a., kostenloser Kontoführung und monatlicher Zinsgutschrift. Einzahlungen sind jederzeit möglich, die Kündigungsfrist beträgt 6 Wochen – ideal für alle, die planbar sparen möchten.",[1395,1398,1401,1404,1407],{"start":24,"end":1396,"type":1397},47,"strong",{"start":1399,"end":1400,"type":1397},53,66,{"start":1402,"end":1403,"type":1397},87,98,{"start":1405,"end":1406,"type":1397},100,124,{"start":1408,"end":1409,"type":1397},198,230,{"type":1377,"text":1411,"spans":1412,"direction":1034},"Für flexible Sparer mit Zinsfokus: Das SparKonto der GEFA BANK* bietet 2,40 % Zinsen p.a. ab dem ersten Euro – ohne Mindestanlage. Monatliche Ein- und Auszahlungen bis 2.000 € sind jederzeit möglich, perfekt für alle, die regelmäßig sparen und liquide bleiben wollen.",[1413,1415,1418,1422,1425],{"start":24,"end":1414,"type":1397},34,{"start":1416,"end":1417,"type":1397},39,63,{"start":1399,"end":1417,"type":1419,"data":1420},"hyperlink",{"link_type":49,"url":1421,"target":52},"https:\u002F\u002Fwww.gefa-bank.de\u002Fprodukt\u002Fsparkonto\u002F",{"start":1423,"end":1424,"type":1397},71,108,{"start":1426,"end":1427,"type":1397},131,175,{"type":1377,"text":1429,"spans":1430,"direction":1034},"Für alle, die Stabilität und Planbarkeit schätzen: Das Volkswagen Bank Sparkonto überzeugt mit 1,75 % Zinsen p.a. Nach einer 30-tägigen Kündigungsfrist können Sie 7 Tage über den Betrag verfügen – flexibel und sicher zugleich.",[1431,1433,1436,1439],{"start":24,"end":1432,"type":1397},50,{"start":1434,"end":1435,"type":1397},55,80,{"start":1437,"end":1438,"type":1397},95,113,{"start":1440,"end":1441,"type":1397},125,151,"text_block$795bf322-b337-4d66-9017-449b5e277711","text_block",{"variation":1367,"version":1368,"items":1445,"primary":1446,"id":1447,"slice_type":1448,"slice_label":5},[],{"type":1127},"calculator_embed$694b3668-76a2-457e-8250-cdf1578b7cd7","calculator_embed",{"variation":1367,"version":1368,"items":1450,"primary":1451,"id":1460,"slice_type":1443,"slice_label":5},[],{"text":1452,"chart_alt":5},[1453],{"type":1031,"text":1454,"spans":1455,"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.",[1456,1457],{"start":24,"end":25,"type":1397},{"start":1458,"end":1459,"type":1397},138,172,"text_block$91769261-6d36-4262-a867-acbf10d19c9a",{"variation":1367,"version":1368,"items":1462,"primary":1463,"id":1587,"slice_type":1443,"slice_label":5},[],{"text":1464,"chart_alt":5},[1465,1468,1474,1480,1483,1486,1489,1495,1498,1501,1504,1507,1510,1515,1518,1523,1526,1529,1534,1537,1540,1545,1548,1554,1559,1562,1567,1570,1573,1576,1578,1581,1584],{"type":1373,"text":1466,"spans":1467,"direction":1034},"So funktioniert der Sparbuch-Vergleich",[],{"type":1031,"text":1469,"spans":1470,"direction":1034},"Wie viele Zinsen bringt Ihr Geld auf einem klassischen oder digitalen Sparbuch? Das zeigt Ihnen der Sparbuch-Vergleich von FMH.de – vermutlich der einzige echte Sparbuch-Vergleich im Internet. Wählen Sie im Schnell-Check Ihre Einmalanlage und monatliche Sparrate aus. Geben Sie Ihre Postleitzahl ein, um auch regionale Angebote zu berücksichtigen.",[1471],{"start":1472,"end":1473,"type":1397},207,220,{"type":1031,"text":1475,"spans":1476,"direction":1034},"Sie möchten genauer vergleichen? In der Detail-Analyse können Sie Beträge und Berechnungszeitraum individuell festlegen. Weitere Einstellungen betreffen die Online-Abwicklung, Neukundenangebote, Einlagensicherung und die Berechnung mit Abgeltungsteuer.",[1477],{"start":1478,"end":1479,"type":1397},40,54,{"type":1031,"text":1481,"spans":1482,"direction":1034},"Das Ergebnis zeigt Ihnen Zinssatz, Rendite, Zinsertrag in Euro und Guthaben inklusive Zinsen. So erkennen Sie, welches Angebot eines klassischen Sparbuchs für Sie die höchsten Zinsen erwirtschaftet. Top-Angebote können mit durchschnittlichen Tagesgeldangeboten für Bestandskunden sehr oft mithalten.",[],{"type":1031,"text":1484,"spans":1485,"direction":1034},"",[],{"type":1373,"text":1487,"spans":1488,"direction":1034},"Was ist ein Sparbuch? ",[],{"type":1031,"text":1490,"spans":1491,"direction":1034},"Das klassische Sparbuch ist ein Einlagekonto bei einer Bank oder Sparkasse, auf dem Guthaben angelegt werden. Es dient ausschließlich dem Sparen, nicht dem Zahlungsverkehr. Überweisungen, Daueraufträge oder Kartenzahlungen sind nicht möglich. ",[1492],{"start":1493,"end":1494,"type":1397},119,144,{"type":1031,"text":1496,"spans":1497,"direction":1034},"Der Name suggeriert, dass es sich um ein wirkliches Buch handelt und tatsächlich erhielten Kunden früher ein Heftchen aus Papier, in dem die Ein- und Auszahlungen vermerkt waren. Immer mehr Banken stellen aber von der Papier- auf die digitale Form um. Der Name ist dennoch geblieben. ",[],{"type":1031,"text":1499,"spans":1500,"direction":1034},"Ganz wichtig: Wer im Besitz des Sparbuches ist, gilt bei dessen Vorlage auch als Eigentümer der Einlagen. Banken zahlen also immer demjenigen das Guthaben aus, der das Sparbuch vorlegt - oder eine modernere Variante, etwa eine Karte. Der Name, auf den das Sparbuch läuft, ist dann unbeachtlich. ",[],{"type":1031,"text":1502,"spans":1503,"direction":1034},"Trotz seines nostalgischen Charmes hat das Sparbuch nur noch eine untergeordnete Bedeutung für den Kapitalaufbau. Sein Hauptvorteil liegt im Namen, da der Begriff viele ältere und auch jüngere Leute dazu animiert, Geld auf die hohe Kante zu legen.  ",[],{"type":1031,"text":1505,"spans":1506,"direction":1034}," ",[],{"type":1373,"text":1508,"spans":1509,"direction":1034},"Wie funktioniert ein Sparbuch? ",[],{"type":1031,"text":1511,"spans":1512,"direction":1034},"Ein Sparbuch ist ein klassisches Spareinlagenkonto mit variabler Verzinsung. Die Bank legt die Zinsen je nach Marktlage fest und kann sie daher jederzeit ändern. Darüber muss sie ihre Kunden informieren.  ",[1513],{"start":1514,"end":1432,"type":1397},33,{"type":1031,"text":1516,"spans":1517,"direction":1034},"Zinsgutschriften erfolgen meist einmal pro Jahr zum Jahresende. ",[],{"type":1031,"text":1519,"spans":1520,"direction":1034},"Sicherheit: ",[1521],{"start":24,"end":1522,"type":1397},11,{"type":1377,"text":1524,"spans":1525,"direction":1034},"Durch die gesetzliche Einlagensicherung sind Guthaben bis 100.000 Euro pro Kunde und Institut auch im Fall einer Bankeninsolvenz geschützt. ",[],{"type":1377,"text":1527,"spans":1528,"direction":1034},"Viele deutsche Banken gehören zusätzlich freiwilligen Einlagensicherungsfonds an, die auch höhere Summen, aktuell bis drei Millionen Euro absichern. ",[],{"type":1031,"text":1530,"spans":1531,"direction":1034},"Zinsen: ",[1532],{"start":24,"end":1533,"type":1397},7,{"type":1377,"text":1535,"spans":1536,"direction":1034},"Variabel und meist niedrig. Sehr oft erhalten Kunden auf dem Sparbuch weniger als ein Prozent Zinsen.  ",[],{"type":1377,"text":1538,"spans":1539,"direction":1034},"In den letzten 15 Jahren war der Mittelwert aller Angebote nie über 0,5 Prozent gewesen. Der letzte Durchschnittshöchstwert liegt laut FMH-Datenbank im Jahr 2000 bei 2,01 Prozent.  ",[],{"type":1031,"text":1541,"spans":1542,"direction":1034},"Verfügbarkeit: ",[1543],{"start":24,"end":1544,"type":1397},14,{"type":1377,"text":1546,"spans":1547,"direction":1034},"Bis zu 2.000 Euro pro Monat lassen sich flexibel abheben. ",[],{"type":1377,"text":1549,"spans":1550,"direction":1034},"Für höhere Beträge gilt eine dreimonatige Kündigungsfrist. ",[1551],{"start":1552,"end":1553,"type":1397},29,57,{"type":1377,"text":1555,"spans":1556,"direction":1034},"Hebt der Kunde mehr als 2.000 Euro vorzeitig (also ohne Kündigung) abgehoben, erhebt die Bank einen sogenannten Vorschusszins. Er beträgt meist ein Viertel des aktuellen Sparzinses und wird für die Zeit der nicht eingehaltenen Kündigungsfrist erhoben. ",[1557],{"start":1558,"end":1406,"type":1397},112,{"type":1031,"text":1560,"spans":1561,"direction":1034},"Wer also 3.000 Euro ohne Kündigung am 20. des Monats von seinem Sparbuch abhebt, auf dem er ein Prozent Zinsen erhält, zahlt bis zum Monatswechsel ganze sieben Cent Vorschusszinsen für die 1.000 Euro Extra-Liquidität. ",[],{"type":1031,"text":1563,"spans":1564,"direction":1034},"Buchführung: ",[1565],{"start":24,"end":1566,"type":1397},12,{"type":1377,"text":1568,"spans":1569,"direction":1034},"Klassisch per Sparbuch oder heute oft digital per Sparkonto. ",[],{"type":1377,"text":1571,"spans":1572,"direction":1034},"Jede Transaktion wird belegt.  ",[],{"type":1377,"text":1574,"spans":1575,"direction":1034},"Einen Verlust des Buches müssen Kunden der Bank sofort melden, weil der Besitzer des Sparbuchs das Guthabens abheben kann. Das Sparbuch ist dann gesperrt und Unbefugte können das Guthaben nicht abheben. ",[],{"type":1031,"text":1484,"spans":1577,"direction":1034},[],{"type":1373,"text":1579,"spans":1580,"direction":1034},"Sicherheit, Zinsentwicklung und Inflation ",[],{"type":1031,"text":1582,"spans":1583,"direction":1034},"Sparbücher gelten als nahezu risikofrei. Diese Sicherheit hat allerdings einen hohen Preis. Denn wer seine Ersparnisse dauerhaft auf einem Sparbuch lagert, verliert dadurch Vermögen, statt sein Geld zu vermehren.   ",[],{"type":1031,"text":1585,"spans":1586,"direction":1034},"Der Grund: Seit der Jahrtausendwende sind die Sparbuchzinsen von zwei Prozent im Durchschnitt auf 0,33 Prozent Ende 2025 gefallen. Über die lange Zeit von 25 Jahren lag der Mittelwert des Spareckzinses bei 0,62 Prozent und die Inflation im Durchschnitt bei 1,95 Prozent.",[],"text_block$2d68d39b-6e3f-45a3-91f0-1cecab498161",{"variation":1367,"version":1368,"items":1589,"primary":1590,"id":1743,"slice_type":1744,"slice_label":5},[],{"title":1591,"textblock":1592,"table":1593,"footnotes":1739,"primary_background":45,"primary_column_background":1347,"primary_row_background":1347},"Das Spardilemma: Nominalzins vs. Realzins",[],{"body":1594},{"rows":1595},[1596,1631,1658,1685,1712],{"key":1597,"cells":1598},"fac01de9-55d5-45f2-9cf2-362f888d6f63",[1599,1608,1616,1624],{"key":1600,"type":1601,"content":1602},"866ea1bf-bfb2-44e0-ba75-1893be79b1bd","data",[1603],{"type":1031,"text":1604,"spans":1605,"direction":1034},"Zeitraum ",[1606],{"start":24,"end":1607,"type":1397},8,{"key":1609,"type":1601,"content":1610},"70312ca6-2ab6-4e47-b033-f0ce53b131bc",[1611],{"type":1031,"text":1612,"spans":1613,"direction":1034},"Mittelwert Sparbuch (p.a.) ",[1614],{"start":24,"end":1615,"type":1397},26,{"key":1617,"type":1601,"content":1618},"2d10c506-369b-4b9e-a0f0-d5083c543aba",[1619],{"type":1031,"text":1620,"spans":1621,"direction":1034},"Inflation (p.a.) ",[1622],{"start":24,"end":1623,"type":1397},16,{"key":1625,"type":1601,"content":1626},"c2579a9a-e9de-4fd9-96b3-1e37641f58f3",[1627],{"type":1031,"text":1628,"spans":1629,"direction":1034},"Realzins ",[1630],{"start":24,"end":1607,"type":1397},{"key":1632,"cells":1633},"453424e3-063d-46e1-b722-efdae8af1e07",[1634,1640,1646,1652],{"key":1635,"type":1601,"content":1636},"332160f7-c39f-4a8f-9d75-6017d02f4cb0",[1637],{"type":1031,"text":1638,"spans":1639,"direction":1034},"2010 ",[],{"key":1641,"type":1601,"content":1642},"079ebed8-272f-4106-9263-0cecf72e84d1",[1643],{"type":1031,"text":1644,"spans":1645,"direction":1034},"0,61 % ",[],{"key":1647,"type":1601,"content":1648},"740b3eaa-f810-4699-baee-61adad7a94d1",[1649],{"type":1031,"text":1650,"spans":1651,"direction":1034},"1,08 % ",[],{"key":1653,"type":1601,"content":1654},"8e5a1996-5c05-4abd-a001-d46763ea5d14",[1655],{"type":1031,"text":1656,"spans":1657,"direction":1034},"– 0,47 %",[],{"key":1659,"cells":1660},"902faae2-21c3-417d-801a-2a0389db42c9",[1661,1667,1673,1679],{"key":1662,"type":1601,"content":1663},"937f94c8-26aa-4d44-a253-314309c220bc",[1664],{"type":1031,"text":1665,"spans":1666,"direction":1034},"2015 ",[],{"key":1668,"type":1601,"content":1669},"ff8ae527-0b3c-4395-84e1-e306ea1bf761",[1670],{"type":1031,"text":1671,"spans":1672,"direction":1034},"0,10 % ",[],{"key":1674,"type":1601,"content":1675},"2f7023e9-81b9-44c5-938d-d8a6a251f638",[1676],{"type":1031,"text":1677,"spans":1678,"direction":1034},"0,25 % ",[],{"key":1680,"type":1601,"content":1681},"1f32822f-0c15-45ef-bed9-1e3afaad2d08",[1682],{"type":1031,"text":1683,"spans":1684,"direction":1034},"– 0,15 % ",[],{"key":1686,"cells":1687},"8af89e2a-440b-4efc-b77a-e08d09eae8bd",[1688,1694,1700,1706],{"key":1689,"type":1601,"content":1690},"79a65927-4d3d-4997-ae57-044efed30c23",[1691],{"type":1031,"text":1692,"spans":1693,"direction":1034},"2020 ",[],{"key":1695,"type":1601,"content":1696},"ff086046-1232-4d37-a24f-66d444260a51",[1697],{"type":1031,"text":1698,"spans":1699,"direction":1034},"0,01 % ",[],{"key":1701,"type":1601,"content":1702},"ab9793e7-e1cb-41f9-8b1f-12ae627b9f03",[1703],{"type":1031,"text":1704,"spans":1705,"direction":1034},"0,50 % ",[],{"key":1707,"type":1601,"content":1708},"c0bc54be-2530-471d-8e6d-a1eb0d7a2f95",[1709],{"type":1031,"text":1710,"spans":1711,"direction":1034},"– 0,49 % ",[],{"key":1713,"cells":1714},"c7c3cdb8-ac42-4ef2-a492-51587a8b0b78",[1715,1721,1727,1733],{"key":1716,"type":1601,"content":1717},"bd453fe3-366c-40db-bc69-f2f643526431",[1718],{"type":1031,"text":1719,"spans":1720,"direction":1034},"2025",[],{"key":1722,"type":1601,"content":1723},"b3287d7f-5d53-4f65-869c-11bd8437af22",[1724],{"type":1031,"text":1725,"spans":1726,"direction":1034},"0,37 % ",[],{"key":1728,"type":1601,"content":1729},"71a7533b-d5f4-4665-8ada-59fb9a600a3f",[1730],{"type":1031,"text":1731,"spans":1732,"direction":1034},"2,16 % ",[],{"key":1734,"type":1601,"content":1735},"6f31f911-ab7f-441b-86aa-d27bfbfcb4e5",[1736],{"type":1031,"text":1737,"spans":1738,"direction":1034},"– 1,79 % ",[],[1740],{"type":1031,"text":1741,"spans":1742,"direction":1034},"Quelle: Sparbuchmittelwerte laut FMH.de",[],"table$c7185244-5fe2-45a5-b4fc-befd74b42fca","table",{"variation":1367,"version":1368,"items":1746,"primary":1747,"id":1767,"slice_type":1443,"slice_label":5},[],{"text":1748,"chart_alt":5},[1749,1754,1756,1759],{"type":1031,"text":1750,"spans":1751,"direction":1034},"Selbst bei steigenden Marktzinsen geben Banken diese Erhöhungen nur verzögert weiter. Der Realzins – also der Zinssatz abzüglich Inflation – bleibt in der Regel negativ. Vom Jahr 2010 bis 2025 war die Realverzinsung bei minus 1,94 Prozent. Das bedeutet: Sparer verlieren über die Jahre viel an Kaufkraft.",[1752],{"start":1473,"end":1753,"type":1397},238,{"type":1031,"text":1484,"spans":1755,"direction":1034},[],{"type":1373,"text":1757,"spans":1758,"direction":1034},"Gegenüberstellung von Sparbuchzinsen und Tagesgeldzinsen ",[],{"type":1760,"oembed":1761},"embed",{"embed_url":1762,"type":1763,"version":1764,"provider_name":1765,"thumbnail_url":1762,"html":1766,"url":1762},"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002Fec363ff7-9424-4d5c-bee5-fd35c4482195\u002F","rich","1.0","static_image","\u003Cdiv data-type=\"static_image\">\u003Cimg src=\"https:\u002F\u002Fapi.bankenportal.fmh.de\u002Fapi\u002Fcharts-public\u002Fec363ff7-9424-4d5c-bee5-fd35c4482195\u002F\">\u003C\u002Fdiv>","text_block$165e4443-0995-4d18-83ac-200cd6d3ece9",{"variation":1367,"version":1368,"items":1769,"primary":1770,"id":1880,"slice_type":1744,"slice_label":5},[],{"title":1771,"textblock":1772,"table":1773,"footnotes":1879,"primary_background":45,"primary_column_background":1347,"primary_row_background":1347},"Vor- und Nachteile des 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mehr",[],{"key":1809,"type":1601,"content":1810},"d0b730f7-4b61-422c-8669-6c22b1b37096",[1811],{"type":1031,"text":1812,"spans":1813,"direction":1034},"❌ Niedrigste Zinsen aller Sparformen",[],{"key":1815,"type":1601,"content":1816},"1c6fb4c8-2be5-419c-93ef-dfe3aa45c442",[1817],{"type":1031,"text":1484,"spans":1818,"direction":1034},[],{"key":1820,"cells":1821},"602cb53d-cbc6-403b-aab3-89872b5260c9",[1822,1828,1834],{"key":1823,"type":1601,"content":1824},"88f07977-84e8-491b-bab4-73b60a8aa07c",[1825],{"type":1031,"text":1826,"spans":1827,"direction":1034},"✅ Einfach und verständlich",[],{"key":1829,"type":1601,"content":1830},"b897a668-2908-4182-83c9-fa321adfcaa9",[1831],{"type":1031,"text":1832,"spans":1833,"direction":1034},"❌ Negativer Realzins – Vermögen verliert an 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Weitere Abzüge fallen wegen des Solidaritätszuschlags und ggf. der Kirchensteuer an.",[],{"type":1377,"text":1921,"spans":1922,"direction":1034},"Mit einem Freistellungsauftrag bleiben Erträge bis 1.000 Euro (Singles) bzw. 2.000 Euro (Ehepaare und Verpartnerte) steuerfrei.",[1923],{"start":1924,"end":1925,"type":1397},10,30,{"type":1377,"text":1927,"spans":1928,"direction":1034},"Die Bank führt Steuern automatisch ab, sofern kein Freistellungsauftrag vorliegt.",[],{"type":1031,"text":1930,"spans":1931,"direction":1034},"Einlagensicherung:",[1932],{"start":24,"end":1933,"type":1397},18,{"type":1377,"text":1935,"spans":1936,"direction":1034},"EU-weit sind per Gesetz 100.000 Euro pro Kunde und Bank gegen eine Insolvenz gesichert.",[],{"type":1377,"text":1938,"spans":1939,"direction":1034},"In Deutschland bieten viele Institute zudem eine freiwillige Zusatzsicherung die im Extremfall mehrere Millionen Euro pro Bank und Kunde absichert.",[],"text_block$72f6bff1-6d5f-4778-849f-64ac37e908d5",{"variation":1367,"version":1368,"items":1942,"primary":1943,"id":2203,"slice_type":1744,"slice_label":5},[],{"title":1944,"textblock":1945,"table":1946,"footnotes":2202,"primary_background":45,"primary_column_background":1347,"primary_row_background":1347},"Das Sparbuch im Vergleich zu anderen 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Sparer",[],{"key":2185,"type":1601,"content":2186},"acdaffd0-2259-4795-9901-1d7d978fb769",[2187],{"type":1031,"text":2188,"spans":2189,"direction":1034},"flexible Kurzfristsparer",[],{"key":2191,"type":1601,"content":2192},"6a9c9723-eed0-4964-8460-bafa52dd0e38",[2193],{"type":1031,"text":2194,"spans":2195,"direction":1034},"planende Anleger",[],{"key":2197,"type":1601,"content":2198},"928b4412-fae8-427f-9f25-1873e83897d0",[2199],{"type":1031,"text":2200,"spans":2201,"direction":1034},"Sparer mit mittlerem Anlagehorizont",[],[],"table$4e8451b3-958a-41df-89d3-3a08c55eb8e3",{"variation":1367,"version":1368,"items":2205,"primary":2206,"id":2235,"slice_type":1443,"slice_label":5},[],{"text":2207,"chart_alt":5},[2208,2213,2216,2218,2221,2227,2230,2233],{"type":1031,"text":2209,"spans":2210,"direction":1034},"Praxisbeispiel: Realzinsverlust im Sparbuch",[2211],{"start":24,"end":2212,"type":1397},43,{"type":1031,"text":2214,"spans":2215,"direction":1034},"Eine Sparerin legt 10.000 Euro auf ein Sparbuch, das ihr pro Jahr 0,3 Prozent Zinsen bringt. Nach einem Jahr erhält sie daher 30 Euro Zinsen gutgeschrieben.\nLiegt die Inflation bei zwei Prozent, verliert ihr Geld real rund 200 Euro an Kaufkraft.\nDas bedeutet: Die Sicherheit des Nominalwerts führt gleichzeitig zu einem schleichenden Realwertverlust. In unserem Beispiel verliert die Frau auf ihre Einlagesumme also satte 170 Euro an Kaufkraft.",[],{"type":1031,"text":1484,"spans":2217,"direction":1034},[],{"type":1373,"text":2219,"spans":2220,"direction":1034},"Fazit – Zeitlos, aber eigentlich nicht zeitgemäß",[],{"type":1031,"text":2222,"spans":2223,"direction":1034},"Das Sparbuch ist ein Stück deutscher Finanzgeschichte – verlässlich, einfach und sicher. Doch in Zeiten niedriger Zinsen und hoher Inflation bietet es keine renditestarke Anlage. Wer sein Vermögen erhalten oder neues Vermögen aufbauen möchte, findet bei Tagesgeld, Festgeld oder Flexgeld deutlich attraktivere Alternativen.",[2224],{"start":2225,"end":2226,"type":1397},254,287,{"type":1031,"text":2228,"spans":2229,"direction":1034},"Für Kleinstbeträge oder symbolische Geschenke mag das Sparbuch weiter Charme haben – für strategische Sparer ist es nur noch eine nostalgische Option. ",[],{"type":1031,"text":2231,"spans":2232,"direction":1034},"Aber auch hier gilt: Ausnahmen bestätigen die Regel, wie unser Sparbuchvergleich zeigt. ",[],{"type":1031,"text":1484,"spans":2234,"direction":1034},[],"text_block$c9acbcc3-c9ca-497d-a568-09f03f2c5ed3",{"variation":1367,"version":1368,"items":2237,"primary":2238,"id":2270,"slice_type":67,"slice_label":5},[],{"title":2239,"center_title":45,"border":1347,"open_close_icon":2240,"max_width":2241,"list":2242},"Häufige Fragen (FAQs) zum Sparbuch","Caret","none",[2243,2249,2255,2264],{"question":2244,"answer":2245},"Wie schnell komme ich an mein Geld, wenn es auf einem Sparbuch liegt?",[2246],{"type":1031,"text":2247,"spans":2248,"direction":1034},"Bis zu 2.000 Euro pro Monat können Kunden sofort abheben, darüber hinaus gelten drei Monate Kündigungsfrist. Wer dennoch mehr Geld abhebt, kann dies zwar trotzdem tun, muss dann aber einen (wenn auch sehr geringen) Vorschusszins bezahlen.",[],{"question":2250,"answer":2251},"Kann die Bank Zinsen ändern?",[2252],{"type":1031,"text":2253,"spans":2254,"direction":1034},"Ja. Sparbuchzinsen sind variabel und können jederzeit angepasst werden.",[],{"question":2256,"answer":2257},"Was passiert, wenn ich mein Sparbuch verliere?",[2258],{"type":1031,"text":2259,"spans":2260,"direction":1034},"In diesem Fall sollten Kunden umgehend die Bank informieren und das Sparbuch sperren lassen. Das Guthaben bleibt erhalten, allerdings muss der Kunde ein Ersatzsparbuch beantragen. Lagen auf dem verlorenen Sparbuch mehr als 2000 Euro, muss dafür zum Teil ein gerichtliches Aufgebotsverfahren durchführt werden, in dem das altes Sparbuch für bedeutungslos erklärt wird. Das hängt mit dem besonderen Charakter des Sparbuchs als Legitimationsurkunde zusammen. Er bewirkt, dass der Besitzer grundsätzlich über das Guthaben verfügen kann. Das Aufgebot ist in Grund nichts anderes als eine öffentliche Bekanntmachung, mit der das Gericht eine Aufforderung zur Rückgabe des gesperrten Sparbuchs auffordert. 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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":3068,"spans":3069,"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":3071,"spans":3072,"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":1484,"spans":3074,"direction":1034},[],{"type":1373,"text":3076,"spans":3077,"direction":1034},"Mehr Möglichkeiten und mehr Eigenverantwortung ",[],{"type":1031,"text":3079,"spans":3080,"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":3082,"spans":3083,"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":3085,"spans":3086,"direction":1034},"Diese – und viele weitere - Fragen verdienen verständliche Antworten. ",[],{"type":3088,"text":3089,"spans":3090,"direction":1034},"heading3","Ist ein Einstieg auch ohne Börsenerfahrung möglich? ",[],{"type":1031,"text":3092,"spans":3093,"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":1377,"text":3095,"spans":3096,"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.  ",[3097,3099],{"start":3098,"end":1533,"type":1397},4,{"start":3100,"end":3101,"type":1397},102,103,{"type":1377,"text":3103,"spans":3104,"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.  ",[3105,3108],{"start":3098,"end":1566,"type":1419,"data":3106},{"id":151,"type":107,"tags":3107,"lang":13,"slug":131,"first_publication_date":153,"last_publication_date":154,"uid":155,"url":156,"link_type":43,"isBroken":45},[109],{"start":3098,"end":1566,"type":1397},{"type":1377,"text":3110,"spans":3111,"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.",[3112,3116,3117,3119],{"start":3113,"end":1406,"type":1419,"data":3114},111,{"id":141,"type":107,"tags":3115,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"start":3113,"end":1440,"type":1397},{"start":1458,"end":3118,"type":1397},140,{"start":3120,"end":3121,"type":1397},167,168,{"type":1031,"text":3123,"spans":3124,"direction":1034},"Mehr erfahren Sie in unserer Übersicht zum Altersvorsorgedepot. ",[3125],{"start":1552,"end":3126,"type":1419,"data":3127},62,{"id":173,"type":107,"tags":3128,"lang":13,"slug":110,"first_publication_date":175,"last_publication_date":176,"uid":177,"url":178,"link_type":43,"isBroken":45},[],{"type":1031,"text":1484,"spans":3130,"direction":1034},[],{"type":1373,"text":3132,"spans":3133,"direction":1034},"Wie profitieren Sparer von der staatlichen Förderung? ",[],{"type":1031,"text":3135,"spans":3136,"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":3138,"spans":3139,"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":3141,"spans":3142,"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":3144,"spans":3145,"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":1367,"version":1368,"items":3148,"primary":3149,"id":3158,"slice_type":3159,"slice_label":5},[],{"image":3150,"image_url":5,"caption":3157},{"dimensions":3151,"alt":3153,"copyright":5,"url":3154,"id":3155,"edit":3156},{"width":2294,"height":3152},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":1367,"version":1368,"items":3161,"primary":3162,"id":3203,"slice_type":1443,"slice_label":5},[],{"text":3163,"chart_alt":5},[3164,3167,3170,3173,3176,3179,3182,3194,3197,3200],{"type":1373,"text":3165,"spans":3166,"direction":1034},"Was passiert mit der Riester-Rente, wenn das Altersvorsorgedepot kommt? ",[],{"type":1031,"text":3168,"spans":3169,"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":3171,"spans":3172,"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":3174,"spans":3175,"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":3177,"spans":3178,"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":1373,"text":3180,"spans":3181,"direction":1034},"Wo finden Interessenten die besten Anbieter? ",[],{"type":1031,"text":3183,"spans":3184,"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:  ",[3185,3190],{"start":3186,"end":3187,"type":1419,"data":3188},68,91,{"id":248,"type":107,"tags":3189,"lang":13,"slug":250,"first_publication_date":251,"last_publication_date":252,"uid":253,"url":254,"link_type":43,"isBroken":45},[],{"start":1459,"end":3191,"type":1419,"data":3192},190,{"id":141,"type":107,"tags":3193,"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":3195,"spans":3196,"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":3198,"spans":3199,"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":3201,"spans":3202,"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":3207,"alt":3047,"copyright":3048,"url":3210,"id":3050,"edit":3211},{"width":3208,"height":3209},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":3212,"zoom":25,"background":26},106,{"id":342,"uid":347,"url":348,"type":319,"href":3214,"tags":3215,"first_publication_date":345,"last_publication_date":346,"slugs":3216,"linked_documents":3217,"lang":13,"alternate_languages":3218,"data":3219},"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":3220,"last_edit_date":3220,"set_last_edit_date_today":45,"title":3221,"subtitle":3222,"breadcrumb_title":5,"topic":3223,"teaser":3226,"author":3230,"cover":3238,"cover_position":1360,"table_of_content":1362,"toc_calculator":1363,"toc_selection":1364,"carousel_topic_filter":3245,"slices":3248,"meta_title":5,"meta_description":5,"meta_image":3770,"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":3224,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":3225,"isBroken":45},[],"5f54ec78-a1e2-4629-8359-14b996b5cc49",[3227],{"type":1031,"text":3228,"spans":3229,"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":3231,"type":1352,"tags":3232,"lang":13,"slug":3233,"first_publication_date":3234,"last_publication_date":3235,"uid":3236,"link_type":43,"key":3237,"isBroken":45},"aoLhXBEAAC4Ag_Rr",[],"beate-balke","2026-08-17T10:25:19+0000","2026-08-17T10:25:33+0000","beate-bbalke","636cf93d-7694-41fa-b93e-e2daf9397711",{"dimensions":3239,"alt":3240,"copyright":3048,"url":3241,"id":3242,"edit":3243},{"width":2321,"height":2322},"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":3244,"y":24,"zoom":25,"background":26},38,{"id":1331,"type":1332,"tags":3246,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":3247,"isBroken":45},[],"008844f2-f36e-405b-b946-2dff0dfecba4",[3249,3431,3594],{"variation":1367,"version":1368,"items":3250,"primary":3251,"id":3430,"slice_type":1443,"slice_label":5},[],{"text":3252,"chart_alt":5},[3253,3256,3262,3264,3267,3271,3276,3280,3283,3290,3296,3300,3306,3309,3312,3317,3320,3323,3329,3335,3338,3341,3344,3349,3353,3357,3360,3363,3366,3371,3374,3379,3382,3385,3388,3399,3405,3408,3412,3415,3418,3421,3424,3427],{"type":1031,"text":3254,"spans":3255,"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":3257,"spans":3258,"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.",[3259],{"start":3260,"end":3261,"type":1397},79,94,{"type":1031,"text":1484,"spans":3263,"direction":1034},[],{"type":1373,"text":3265,"spans":3266,"direction":1034},"Das Wichtigste zur Frühstart-Rente",[],{"type":1377,"text":3268,"spans":3269,"direction":1034},"Der Staat zahlt 10 Euro pro Monat für jedes anspruchsberechtigte Kind.",[3270],{"start":1623,"end":1514,"type":1397},{"type":1377,"text":3272,"spans":3273,"direction":1034},"Gefördert wird grundsätzlich vom 6. bis zum 18. Lebensjahr.",[3274],{"start":1514,"end":3275,"type":1397},58,{"type":1377,"text":3277,"spans":3278,"direction":1034},"Die Förderung ist unabhängig vom Einkommen der Eltern.",[3279],{"start":1933,"end":1399,"type":1397},{"type":1377,"text":3281,"spans":3282,"direction":1034},"Die Eltern können ein geeignetes Altersvorsorgedepot für ihr Kind eröffnen.",[],{"type":1377,"text":3284,"spans":3285,"direction":1034},"Wird kein Depot eröffnet, legt der Staat das Geld kollektiv am Kapitalmarkt an.",[3286],{"start":1924,"end":3287,"type":1419,"data":3288},15,{"id":141,"type":107,"tags":3289,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"type":1377,"text":3291,"spans":3292,"direction":1034},"Die Frühstart-Rente startet mit dem Geburtsjahrgang 2020. Die Förderung für diesen Jahrgang wird für 2026 rückwirkend gewährt.",[3293],{"start":3294,"end":3295,"type":1397},36,56,{"type":1377,"text":3297,"spans":3298,"direction":1034},"Die regulären Einzahlungen sollen ab 2027 beginnen.",[3299],{"start":1414,"end":1892,"type":1397},{"type":1377,"text":3301,"spans":3302,"direction":1034},"Das geförderte Geld ist grundsätzlich bis zum 65. Lebensjahr gebunden.",[3303],{"start":3304,"end":3305,"type":1397},46,60,{"type":1373,"text":3307,"spans":3308,"direction":1034},"Frühstart-Rente beschlossen – aber noch nicht endgültig Gesetz",[],{"type":1031,"text":3310,"spans":3311,"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":3313,"spans":3314,"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.",[3315],{"start":1437,"end":3316,"type":1397},109,{"type":1031,"text":3318,"spans":3319,"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":1373,"text":3321,"spans":3322,"direction":1034},"Wer bekommt die Frühstart-Rente?",[],{"type":1031,"text":3324,"spans":3325,"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.",[3326],{"start":3327,"end":3328,"type":1397},205,235,{"type":1031,"text":3330,"spans":3331,"direction":1034},"Allerdings werden nicht sofort sämtliche Kinder zwischen sechs und 18 Jahren einbezogen. Die Frühstart-Rente wird jahrgangsweise eingeführt.",[3332],{"start":3333,"end":3334,"type":1397},114,139,{"type":1031,"text":3336,"spans":3337,"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":3339,"spans":3340,"direction":1034},"Für frühere Geburtsjahrgänge der unter 18-Jährigen können ebenfalls Verträge geschlossen werden, jedoch ohne staatliche Zuwendungen.",[],{"type":3088,"text":3342,"spans":3343,"direction":1034},"So ist die Einführung geplant",[],{"type":1031,"text":3345,"spans":3346,"direction":1034},"2026: Der Geburtsjahrgang 2020 erhält rückwirkend Anspruch auf die Förderung.",[3347],{"start":24,"end":3348,"type":1397},5,{"type":1031,"text":3350,"spans":3351,"direction":1034},"2027: Die tatsächlichen Zahlungen beginnen. Neben dem Jahrgang 2020 wird der Geburtsjahrgang 2021 einbezogen.",[3352],{"start":24,"end":3348,"type":1397},{"type":1031,"text":3354,"spans":3355,"direction":1034},"Ab 2028: Jedes Jahr kommt der nächste Geburtsjahrgang hinzu.",[3356],{"start":24,"end":1607,"type":1397},{"type":1031,"text":3358,"spans":3359,"direction":1034},"Dadurch wächst die Zahl der geförderten Kinder schrittweise.",[],{"type":1373,"text":3361,"spans":3362,"direction":1034},"Wie viel Geld zahlt der Staat?",[],{"type":1031,"text":3364,"spans":3365,"direction":1034},"Die staatliche Förderung beträgt:",[],{"type":1031,"text":3367,"spans":3368,"direction":1034},"10 Euro pro Monat beziehungsweise 120 Euro pro Jahr.",[3369],{"start":24,"end":3370,"type":1397},52,{"type":1031,"text":3372,"spans":3373,"direction":1034},"Über die maximale Förderzeit von zwölf Jahren summieren sich die reinen staatlichen Einzahlungen damit auf:",[],{"type":1031,"text":3375,"spans":3376,"direction":1034},"10 Euro × 12 Monate × 12 Jahre = 1.440 Euro.",[3377],{"start":24,"end":3378,"type":1397},44,{"type":1031,"text":3380,"spans":3381,"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":1373,"text":3383,"spans":3384,"direction":1034},"Aus 1.440 Euro können laut Bundesregierung rund 53.000 Euro werden",[],{"type":1031,"text":3386,"spans":3387,"direction":1034},"Das Bundesfinanzministerium zeigt in einer Beispielrechnung, wie stark sich der lange Anlagehorizont auswirken könnte.",[],{"type":1031,"text":3389,"spans":3390,"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.",[3391,3393,3396],{"start":1400,"end":3392,"type":1397},84,{"start":3394,"end":3395,"type":1397},187,197,{"start":3397,"end":3398,"type":1397},291,302,{"type":1031,"text":3400,"spans":3401,"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.",[3402,3403],{"start":24,"end":1607,"type":1397},{"start":3295,"end":3404,"type":1397},81,{"type":3088,"text":3406,"spans":3407,"direction":1034},"Wie hoch wäre daraus die spätere Monatsrente?",[],{"type":1031,"text":3409,"spans":3410,"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.",[3411],{"start":3101,"end":1493,"type":1397},{"type":1031,"text":3413,"spans":3414,"direction":1034},"Wie viel später tatsächlich monatlich zur Verfügung steht, hängt unter anderem davon ab,",[],{"type":1377,"text":3416,"spans":3417,"direction":1034},"wie lange das Kapital ausgezahlt werden soll,",[],{"type":1377,"text":3419,"spans":3420,"direction":1034},"wie sich das verbleibende Vermögen während der Auszahlungsphase entwickelt,",[],{"type":1377,"text":3422,"spans":3423,"direction":1034},"welche Kosten anfallen und",[],{"type":1377,"text":3425,"spans":3426,"direction":1034},"wie die Leistungen steuerlich behandelt werden.",[],{"type":1031,"text":3428,"spans":3429,"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":1367,"version":1368,"items":3432,"primary":3433,"id":3593,"slice_type":1744,"slice_label":5},[],{"title":3434,"textblock":3435,"table":3448,"footnotes":3589,"primary_background":45,"primary_column_background":1347,"primary_row_background":1347},"Eltern können zusätzlich einzahlen",[3436,3439,3445],{"type":1031,"text":3437,"spans":3438,"direction":1034},"Die staatlichen zehn Euro müssen nicht die einzige Einzahlung bleiben. Eltern oder andere Personen können das Vorsorgedepot zusätzlich besparen.",[],{"type":1031,"text":3440,"spans":3441,"direction":1034},"Nach dem Regierungsentwurf sind private Zuzahlungen von bis zu 6.840 Euro pro Jahr möglich.",[3442],{"start":3443,"end":3444,"type":1397},32,82,{"type":1031,"text":3446,"spans":3447,"direction":1034},"Welchen Effekt zusätzliche Sparbeträge haben können, zeigt ebenfalls eine Modellrechnung des Bundesfinanzministeriums:",[],{"head":3449,"body":3479},{"rows":3450},[3451],{"key":3452,"cells":3453},"e28bc612-79ba-4c04-a6cf-1fe309df13fc",[3454,3461,3467,3473],{"key":3455,"type":3456,"content":3457},"f1bc83dc-c5d3-4562-9f61-62df33618ec2","header",[3458],{"type":1031,"text":3459,"spans":3460,"direction":1034},"Zusätzliche Einzahlung der Eltern",[],{"key":3462,"type":3456,"content":3463},"2fe9a12c-2bdf-4b57-bd8f-0dac489a3193",[3464],{"type":1031,"text":3465,"spans":3466,"direction":1034},"Einzahlungen bis 18",[],{"key":3468,"type":3456,"content":3469},"8a7c872d-7801-4d17-a6c4-c03a06472748",[3470],{"type":1031,"text":3471,"spans":3472,"direction":1034},"Modellwert mit 18",[],{"key":3474,"type":3456,"content":3475},"30ffa89f-4573-4719-8b49-5e3c34362255",[3476],{"type":1031,"text":3477,"spans":3478,"direction":1034},"Modellwert mit 65",[],{"rows":3480},[3481,3508,3535,3562],{"key":3482,"cells":3483},"159dc215-c1ae-4cb9-8ec3-405ee4dd49c6",[3484,3490,3496,3502],{"key":3485,"type":1601,"content":3486},"abf444d9-d642-4796-87e7-9bf9f2f42b76",[3487],{"type":1031,"text":3488,"spans":3489,"direction":1034},"0 € monatlich",[],{"key":3491,"type":1601,"content":3492},"0df28f3c-5fcd-4f64-b382-7ade381bf594",[3493],{"type":1031,"text":3494,"spans":3495,"direction":1034},"1.440 €",[],{"key":3497,"type":1601,"content":3498},"e8907d3e-b088-497b-8cdd-a7b6b3417cf0",[3499],{"type":1031,"text":3500,"spans":3501,"direction":1034},"ca. 2.200 €",[],{"key":3503,"type":1601,"content":3504},"edf5163c-2962-482d-9c3c-1b37ba4b708d",[3505],{"type":1031,"text":3506,"spans":3507,"direction":1034},"ca. 53.000 €",[],{"key":3509,"cells":3510},"a6ab571c-ca34-4e59-8977-30dd8aaf7b0e",[3511,3517,3523,3529],{"key":3512,"type":1601,"content":3513},"fb1d675b-9012-4698-9830-c284a72086eb",[3514],{"type":1031,"text":3515,"spans":3516,"direction":1034},"10 € monatlich",[],{"key":3518,"type":1601,"content":3519},"168802e4-d671-488c-83c1-e424e6060ef4",[3520],{"type":1031,"text":3521,"spans":3522,"direction":1034},"2.880 €",[],{"key":3524,"type":1601,"content":3525},"b0b3dea4-0f6e-4b62-95c2-9221fa184d58",[3526],{"type":1031,"text":3527,"spans":3528,"direction":1034},"ca. 4.400 €",[],{"key":3530,"type":1601,"content":3531},"8908ff56-9be8-4596-8d0d-859e3b6cae2d",[3532],{"type":1031,"text":3533,"spans":3534,"direction":1034},"ca. 107.000 €",[],{"key":3536,"cells":3537},"838d647c-9628-48e7-9b16-3af1d927c668",[3538,3544,3550,3556],{"key":3539,"type":1601,"content":3540},"aab6d280-f371-460d-8029-f11ee14a3004",[3541],{"type":1031,"text":3542,"spans":3543,"direction":1034},"20 € monatlich",[],{"key":3545,"type":1601,"content":3546},"ee96fcef-2a93-4c97-bb9d-50dc17f028d1",[3547],{"type":1031,"text":3548,"spans":3549,"direction":1034},"4.320 €",[],{"key":3551,"type":1601,"content":3552},"830c87bf-d3b8-4143-a0aa-82513c5d9972",[3553],{"type":1031,"text":3554,"spans":3555,"direction":1034},"ca. 6.600 €",[],{"key":3557,"type":1601,"content":3558},"b500f1da-a457-463f-842d-5a73e8dcfb8d",[3559],{"type":1031,"text":3560,"spans":3561,"direction":1034},"ca. 160.000 €",[],{"key":3563,"cells":3564},"8673125d-74c4-4031-b67c-6ae8da3b9859",[3565,3571,3577,3583],{"key":3566,"type":1601,"content":3567},"afe908ab-077b-4cf7-b129-3e293b6407a9",[3568],{"type":1031,"text":3569,"spans":3570,"direction":1034},"50 € monatlich",[],{"key":3572,"type":1601,"content":3573},"38311c62-2b90-4568-bd88-2a42034e7e45",[3574],{"type":1031,"text":3575,"spans":3576,"direction":1034},"8.640 €",[],{"key":3578,"type":1601,"content":3579},"c505823a-3e1c-40b4-af7f-2574d199c88b",[3580],{"type":1031,"text":3581,"spans":3582,"direction":1034},"ca. 13.300 €",[],{"key":3584,"type":1601,"content":3585},"b1b16239-1ea3-4899-89f1-44feada66df4",[3586],{"type":1031,"text":3587,"spans":3588,"direction":1034},"ca. 320.000 €",[],[3590],{"type":1031,"text":3591,"spans":3592,"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",{"variation":1367,"version":1368,"items":3595,"primary":3596,"id":3769,"slice_type":1443,"slice_label":5},[],{"text":3597,"chart_alt":5},[3598,3601,3606,3609,3614,3618,3621,3624,3627,3630,3638,3641,3644,3650,3653,3656,3659,3664,3667,3670,3673,3676,3679,3682,3685,3688,3691,3694,3697,3700,3703,3706,3709,3712,3715,3718,3721,3724,3727,3730,3733,3736,3739,3742,3751,3754,3757,3760,3763],{"type":1373,"text":3599,"spans":3600,"direction":1034},"Wie wird das Geld der Frühstart-Rente angelegt?",[],{"type":1031,"text":3602,"spans":3603,"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.",[3604],{"start":3212,"end":3605,"type":1397},170,{"type":1031,"text":3607,"spans":3608,"direction":1034},"Der Staat macht dabei Vorgaben zu den Kosten:",[],{"type":1377,"text":3610,"spans":3611,"direction":1034},"Die Effektivkosten dürfen in der Ansparphase maximal 1 Prozent betragen.",[3612],{"start":3613,"end":3126,"type":1397},45,{"type":1377,"text":3615,"spans":3616,"direction":1034},"Bis zur Volljährigkeit dürfen keine Abschluss- und Vertriebskosten verlangt werden.",[3617],{"start":1925,"end":1400,"type":1397},{"type":1031,"text":3619,"spans":3620,"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":3622,"spans":3623,"direction":1034},"Gerade der lange Zeitraum bis zum Rentenalter soll dabei helfen, kurzfristige Schwankungen auszugleichen und langfristige Renditechancen zu nutzen.",[],{"type":1373,"text":3625,"spans":3626,"direction":1034},"Was passiert, wenn die Eltern kein Depot eröffnen?",[],{"type":1031,"text":3628,"spans":3629,"direction":1034},"Kein Kind soll die staatliche Förderung verlieren, nur weil die Eltern kein Altersvorsorgedepot auswählen.",[],{"type":1031,"text":3631,"spans":3632,"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.",[3633,3635],{"start":3634,"end":1558,"type":1397},88,{"start":3636,"end":3637,"type":1397},189,209,{"type":1031,"text":3639,"spans":3640,"direction":1034},"Das Geld soll dabei global diversifiziert und vor allem in Aktien beziehungsweise Aktienfonds investiert werden.",[],{"type":1031,"text":3642,"spans":3643,"direction":1034},"Die kollektive Anlage beginnt zeitversetzt. Eltern erhalten zunächst ausreichend Gelegenheit, selbst einen individuellen Vertrag für ihr Kind abzuschließen.",[],{"type":1031,"text":3645,"spans":3646,"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.",[3647],{"start":3648,"end":3649,"type":1397},182,216,{"type":1373,"text":3651,"spans":3652,"direction":1034},"Was passiert mit dem Depot ab dem 18. Geburtstag?",[],{"type":1031,"text":3654,"spans":3655,"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":3657,"spans":3658,"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":3660,"spans":3661,"direction":1034},"Eine freie Auszahlung mit 18 Jahren ist dagegen nicht vorgesehen. Das geförderte Kapital soll grundsätzlich erst ab dem 65. Lebensjahr verfügbar sein.",[3662],{"start":1424,"end":3663,"type":1397},134,{"type":1031,"text":3665,"spans":3666,"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":1373,"text":3668,"spans":3669,"direction":1034},"Wie werden Erträge aus der Frühstart-Rente besteuert?",[],{"type":1031,"text":3671,"spans":3672,"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":3674,"spans":3675,"direction":1034},"Dadurch können während der jahrzehntelangen Ansparphase auch Erträge weiter investiert werden, die bei einem normalen Wertpapierdepot möglicherweise bereits besteuert würden.",[],{"type":1373,"text":3677,"spans":3678,"direction":1034},"Checkliste: Was Eltern zur Frühstart-Rente wissen sollten",[],{"type":3088,"text":3680,"spans":3681,"direction":1034},"1. Prüfen, wann das eigene Kind an der Reihe ist",[],{"type":1377,"text":3683,"spans":3684,"direction":1034},"Geburtsjahr des Kindes prüfen.",[],{"type":1377,"text":3686,"spans":3687,"direction":1034},"Der erste geförderte Jahrgang ist 2020.",[],{"type":1377,"text":3689,"spans":3690,"direction":1034},"Danach kommt jedes Jahr ein weiterer Jahrgang hinzu.",[],{"type":1377,"text":3692,"spans":3693,"direction":1034},"Voraussetzung ist nach aktuellem Regierungsentwurf ein erster Wohnsitz in Deutschland.",[],{"type":3088,"text":3695,"spans":3696,"direction":1034},"2. Noch auf den Abschluss des Gesetzgebungsverfahrens warten",[],{"type":1377,"text":3698,"spans":3699,"direction":1034},"Der Regierungsentwurf wurde am 12. August 2026 vom Bundeskabinett beschlossen.",[],{"type":1377,"text":3701,"spans":3702,"direction":1034},"Bundestag und Bundesrat müssen sich noch mit dem Gesetz befassen.",[],{"type":1377,"text":3704,"spans":3705,"direction":1034},"Die praktische Umsetzung soll ab 2027 beginnen.",[],{"type":3088,"text":3707,"spans":3708,"direction":1034},"3. Individuelles Vorsorgedepot prüfen",[],{"type":1377,"text":3710,"spans":3711,"direction":1034},"Sobald entsprechende Produkte angeboten werden, Konditionen verschiedener Anbieter vergleichen.",[],{"type":1377,"text":3713,"spans":3714,"direction":1034},"Nur geeignete und zertifizierte Standarddepot-Verträge kommen für die staatliche Förderung infrage.",[],{"type":1377,"text":3716,"spans":3717,"direction":1034},"Auf Kosten, Anlagestrategie und langfristige Renditechancen achten.",[],{"type":3088,"text":3719,"spans":3720,"direction":1034},"4. Eigene Zuzahlungen überlegen",[],{"type":1377,"text":3722,"spans":3723,"direction":1034},"Prüfen, ob zusätzlich zu den zehn Euro des Staates eigenes Geld eingezahlt werden soll.",[],{"type":1377,"text":3725,"spans":3726,"direction":1034},"Bereits kleinere monatliche Beträge können durch den langen Anlagezeitraum einen erheblichen Unterschied machen.",[],{"type":1377,"text":3728,"spans":3729,"direction":1034},"Private Zuzahlungen sind nach aktuellem Stand bis 6.840 Euro pro Jahr möglich.",[],{"type":3088,"text":3731,"spans":3732,"direction":1034},"5. Kein Depot eröffnet? Die Förderung geht nicht verloren",[],{"type":1377,"text":3734,"spans":3735,"direction":1034},"Ohne individuelle Entscheidung wird das Geld kollektiv angelegt.",[],{"type":1377,"text":3737,"spans":3738,"direction":1034},"Die Deutsche Bundesbank soll die staatliche Kapitalanlage verwalten.",[],{"type":1377,"text":3740,"spans":3741,"direction":1034},"Der individuelle Anteil kann später in einen persönlichen Altersvorsorgevertrag übertragen werden.",[],{"type":1377,"text":3743,"spans":3744,"direction":1034},"Tipp: In unserem Depot-Vergleich können Sie sich einen Überblick zu vielen Anbietern verschaffen.",[3745,3746,3750],{"start":24,"end":3348,"type":1397},{"start":3747,"end":3443,"type":1419,"data":3748},17,{"id":141,"type":107,"tags":3749,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"start":3747,"end":3443,"type":1397},{"type":1373,"text":3752,"spans":3753,"direction":1034},"Fazit: Die zehn Euro sind vor allem der Startschuss",[],{"type":1031,"text":3755,"spans":3756,"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":3758,"spans":3759,"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":3761,"spans":3762,"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":3764,"spans":3765,"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.",[3766],{"start":3767,"end":3768,"type":1397},25,115,"text_block$42c426ff-f94e-435a-a65f-f71195fefeac",{},{"id":318,"uid":324,"url":325,"type":319,"href":3772,"tags":3773,"first_publication_date":322,"last_publication_date":323,"slugs":3774,"linked_documents":3775,"lang":13,"alternate_languages":3776,"data":3777},"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":3778,"last_edit_date":3778,"set_last_edit_date_today":45,"title":3779,"subtitle":3780,"breadcrumb_title":3781,"topic":3782,"teaser":3785,"author":3792,"cover":3799,"cover_position":1360,"table_of_content":3806,"toc_calculator":1363,"toc_selection":3807,"carousel_topic_filter":3808,"slices":3811,"meta_title":4191,"meta_description":4192,"meta_image":4193,"meta_indexed":1347},"2026-08-10","Tagesgeld-Hopping lohnt sich","Bis zu 846 Prozent Zinsplus für Tagesgeld-Hopper","Tagesgeldhopping",{"id":1331,"type":1332,"tags":3783,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":3784,"isBroken":45},[],"ee2b754a-b845-4a46-a4bb-1b7ae50a9232",[3786],{"type":1031,"text":3787,"spans":3788,"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…",[3789],{"start":24,"end":3790,"type":3791},243,"em",{"id":3793,"type":1352,"tags":3794,"lang":13,"slug":3795,"first_publication_date":3796,"last_publication_date":3797,"uid":3795,"link_type":43,"key":3798,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","f3bd9987-0d5d-486b-b4a7-f4737d8adccc",{"dimensions":3800,"alt":3801,"copyright":3802,"url":3803,"id":3804,"edit":3805},{"width":2321,"height":2322},"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":3809,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":3810,"isBroken":45},[],"f0910e4a-1e0f-42df-9a17-21f738febbaf",[3812,3834,3961,4003,4128,4183],{"variation":1367,"version":1368,"items":3813,"primary":3814,"id":3833,"slice_type":1443,"slice_label":5},[],{"text":3815,"chart_alt":5},[3816,3822,3825,3828,3830],{"type":1031,"text":3817,"spans":3818,"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.",[3819],{"start":1405,"end":3316,"type":1419,"data":3820},{"id":106,"type":107,"tags":3821,"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":3823,"spans":3824,"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":3826,"spans":3827,"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":1484,"spans":3829,"direction":1034},[],{"type":1031,"text":3831,"spans":3832,"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":1367,"version":1368,"items":3835,"primary":3836,"id":3959,"slice_type":3960,"slice_label":5},[],{"title":3837,"table":3838},"Drei unterschiedliche Kunden",{"head":3839,"body":3868},{"rows":3840},[3841],{"key":3842,"cells":3843},"1b7862ee-a222-4ebf-828b-2cdc18ac35d0",[3844,3850,3856,3862],{"key":3845,"type":3456,"content":3846},"b847db47-f7d0-48e6-8d96-4401d428ebf2",[3847],{"type":1031,"text":3848,"spans":3849,"direction":1034},"Kundentyp",[],{"key":3851,"type":3456,"content":3852},"72a6111c-412c-4886-93cd-0ece552e73b2",[3853],{"type":1031,"text":3854,"spans":3855,"direction":1034},"Wechselverhalten",[],{"key":3857,"type":3456,"content":3858},"7b326341-cd56-4516-bd2d-b1b97f12e0d8",[3859],{"type":1031,"text":3860,"spans":3861,"direction":1034},"Vorgehen",[],{"key":3863,"type":3456,"content":3864},"8d642a71-ec78-4186-a549-5ad69207183a",[3865],{"type":1031,"text":3866,"spans":3867,"direction":1034},"Strategie",[],{"rows":3869},[3870,3904,3932],{"key":3871,"cells":3872},"23020563-390d-4269-9d96-2de11583abeb",[3873,3883,3889,3898],{"key":3874,"type":3456,"content":3875},"81d42ec0-9395-4df3-94bd-de30fb31905b",[3876],{"type":1031,"text":3877,"spans":3878,"direction":1034},"Tagesgeld-Hopper\n\"Hannah Hopper\"",[3879,3880,3881],{"start":24,"end":1623,"type":1397},{"start":3747,"end":1933,"type":1397},{"start":3882,"end":3443,"type":1397},31,{"key":3884,"type":1601,"content":3885},"19f0f95f-d4b4-4359-9696-e3d3856c8fcf",[3886],{"type":1031,"text":3887,"spans":3888,"direction":1034},"16 Bankwechsel in 4 Jahren, 17 Konten eröffnet",[],{"key":3890,"type":1601,"content":3891},"b28ca701-39a7-43f5-abc2-8bba8787fb98",[3892],{"type":1031,"text":3893,"spans":3894,"direction":1034},"Wechsel bei einem Zinsvorteil von mindestens 0,5 Prozentpunkten; Orientierung am FMH-Tagesgeldvergleich",[3895],{"start":3404,"end":3101,"type":1419,"data":3896},{"id":106,"type":107,"tags":3897,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"key":3899,"type":1601,"content":3900},"9aefd59e-6f07-448c-825a-cdffa11e6086",[3901],{"type":1031,"text":3902,"spans":3903,"direction":1034},"Nutzt konsequent attraktive Tagesgeldangebote und Neukundenkonditionen",[],{"key":3905,"cells":3906},"00b2dfa1-cb4d-4bf6-b520-16314e9bee32",[3907,3914,3920,3926],{"key":3908,"type":3456,"content":3909},"56c39935-ab43-4364-a29e-f274cd76b32d",[3910],{"type":1031,"text":3911,"spans":3912,"direction":1034},"Direktbank-Kunde\n\"Dieter Direkt\"",[3913],{"start":24,"end":3747,"type":1397},{"key":3915,"type":1601,"content":3916},"2b2e00a1-d08c-483e-a68f-1480d37f13d1",[3917],{"type":1031,"text":3918,"spans":3919,"direction":1034},"Kein Bankwechsel in 4 Jahren",[],{"key":3921,"type":1601,"content":3922},"63731bfc-adff-4d98-a214-980afb1c2878",[3923],{"type":1031,"text":3924,"spans":3925,"direction":1034},"Bleibt bei seiner Direktbank und profitiert lediglich von deren Zinsanpassungen",[],{"key":3927,"type":1601,"content":3928},"9979105c-c445-44a8-9af2-647baae1d3ed",[3929],{"type":1031,"text":3930,"spans":3931,"direction":1034},"Bequem, aber verzichtet auf bessere Angebote anderer Banken",[],{"key":3933,"cells":3934},"3c7e19fa-bf8b-4450-8aa5-129c70311c29",[3935,3942,3947,3953],{"key":3936,"type":3456,"content":3937},"504cefbb-d7ff-4103-9758-2a8258b111d2",[3938],{"type":1031,"text":3939,"spans":3940,"direction":1034},"Filialbank-Kunde\n\"Frank Filiale\"",[3941],{"start":24,"end":1623,"type":1397},{"key":3943,"type":1601,"content":3944},"26898e43-782a-45f9-9d86-75b9c2267db0",[3945],{"type":1031,"text":3918,"spans":3946,"direction":1034},[],{"key":3948,"type":1601,"content":3949},"5998eb99-e6e1-4768-8c13-570a6d1061c3",[3950],{"type":1031,"text":3951,"spans":3952,"direction":1034},"Bleibt bei seiner regionalen Filialbank; Zins wurde im Betrachtungszeitraum nur dreimal angepasst",[],{"key":3954,"type":1601,"content":3955},"30b178d5-c75b-48e1-8b6e-5eb8839e1609",[3956],{"type":1031,"text":3957,"spans":3958,"direction":1034},"Höchste Kundentreue, aber besonders geringe Nutzung attraktiverer Zinsangebote",[],"basic_table$6310457d-71e9-4fbf-9915-766699d7f586","basic_table",{"variation":1367,"version":1368,"items":3962,"primary":3963,"id":4002,"slice_type":1443,"slice_label":5},[],{"text":3964,"chart_alt":5},[3965,3968,3971,3974,3977,3980,3983,3996,3999],{"type":1373,"text":3966,"spans":3967,"direction":1034},"Wechselbereitschaft zahlt sich aus",[],{"type":1031,"text":3969,"spans":3970,"direction":1034},"Die Unterschiede bei den Zinserträgen sind eklatant.",[],{"type":1031,"text":3972,"spans":3973,"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":3975,"spans":3976,"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":3978,"spans":3979,"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":1373,"text":3981,"spans":3982,"direction":1034},"Vorsicht bei Konto-Koppelung",[],{"type":1031,"text":3984,"spans":3985,"direction":1034},"Ein Selbstläufer ist Tagesgeldhopping aber nicht. Einige Banken koppeln die attraktiven Aktionszinsen inzwischen an die Eröffnung eines Girokontos oder eines Depots.",[3986,3991],{"start":3987,"end":3988,"type":1419,"data":3989},136,146,{"id":476,"type":107,"tags":3990,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"start":3992,"end":3993,"type":1419,"data":3994},158,164,{"id":141,"type":107,"tags":3995,"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":3997,"spans":3998,"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":4000,"spans":4001,"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":1367,"version":1368,"items":4004,"primary":4005,"id":4127,"slice_type":1744,"slice_label":5},[],{"title":4006,"textblock":4007,"table":4018,"footnotes":4126,"primary_background":45,"primary_column_background":45,"primary_row_background":1347},"Zusammenfassung",[4008],{"type":1031,"text":4009,"spans":4010,"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.",[4011,4013,4015],{"start":24,"end":4012,"type":1397},6,{"start":1409,"end":4014,"type":1397},267,{"start":4016,"end":4017,"type":1397},272,309,{"head":4019,"body":4058},{"rows":4020},[4021],{"key":4022,"cells":4023},"274fdecc-03a3-46c8-b1e8-e051285a12c1",[4024,4031,4036,4044,4051],{"key":4025,"type":3456,"content":4026},"aa62905e-715c-44a8-9d6f-0351f557fac3",[4027],{"type":1031,"text":4028,"spans":4029,"direction":1034},"Anlagezeitraum",[4030],{"start":24,"end":1544,"type":1397},{"key":4032,"type":3456,"content":4033},"bb497288-d069-4f33-8a8a-2668f731f812",[4034],{"type":1031,"text":1484,"spans":4035,"direction":1034},[],{"key":4037,"type":3456,"content":4038},"d7a96432-ccb4-4b8d-908d-a29a25302b94",[4039],{"type":1031,"text":4040,"spans":4041,"direction":1034},"Hannah 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Filialbank",[],{"key":4146,"type":1601,"content":4147},"8f76abb6-ca45-4ff7-a596-c26af315165f",[4148],{"type":1031,"text":4149,"spans":4150,"direction":1034},"5.947 €",[],{"key":4152,"cells":4153},"9c3b062d-fa11-4b96-ac04-3a9141238db2",[4154,4160],{"key":4155,"type":1601,"content":4156},"bf1e7ab4-78b4-4be9-a89b-f4675ddbf7cf",[4157],{"type":1031,"text":4158,"spans":4159,"direction":1034},"Vorteil Zinshopper gegenüber Direktbank",[],{"key":4161,"type":1601,"content":4162},"f66e7e2f-79ac-4c20-9835-29b190f90271",[4163],{"type":1031,"text":4164,"spans":4165,"direction":1034},"5.177 €",[],{"key":4167,"cells":4168},"29556961-6a12-4f62-b662-1dd9ddf2eb4e",[4169,4175],{"key":4170,"type":1601,"content":4171},"49f1082d-18a3-4bfc-9b69-60ba576ba2a7",[4172],{"type":1031,"text":4173,"spans":4174,"direction":1034},"Vorteil Direktbank gegenüber regionaler Filialbank",[],{"key":4176,"type":1601,"content":4177},"63e46b6c-2412-439e-bb85-09604a610a29",[4178],{"type":1031,"text":4179,"spans":4180,"direction":1034},"770 €",[],[],"table$48532cb7-d1de-46f3-9531-6d07572af5b1",{"variation":1367,"version":1368,"items":4184,"primary":4185,"id":4190,"slice_type":1443,"slice_label":5},[],{"text":4186,"chart_alt":5},[4187],{"type":1031,"text":4188,"spans":4189,"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.",{}]