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Der große FMH-Ratgeber mit kritischer Analyse, realen Renditen und ehrlicher Einordnung.",[1375],{"start":24,"end":1376,"type":1377},152,"strong",{"type":1031,"text":1379,"spans":1380,"direction":1034},"",[],{"type":1382,"text":1383,"spans":1384,"direction":1034},"heading2","Das Wichtigste in Kürze",[],{"type":1031,"text":1386,"spans":1387,"direction":1034},"Zuwachssparverträge sehen vor, dass der Kunde einen gewissen Betrag für mehrere Jahre fest anlegt. Der Zinssatz steigt jedes Jahr in festen Schritten. Das Produkt ist sehr sicher, hat aber auch gravierende Nachteile.:",[],{"type":1389,"text":1390,"spans":1391,"direction":1034},"list-item","Überschaubare Rendite: Zuwachssparer erhalten auf meist zwischen 1,2 und 2,0 Prozent pro Jahr. Damit liegen die Zinsen deutlich unter denen attraktiver Tages- und Festgeldangebote und schaffen nicht einmal einen Inflationsausgleich.",[1392],{"start":24,"end":1393,"type":1377},151,{"type":1389,"text":1395,"spans":1396,"direction":1034},"Verwirrende Nomenklatur: Stufenzins und Rendite sind nicht dasselbe: Auch wenn der Endzins oft sehr attraktiv klingt, bleiben die Erträge beim Zuwachssparen doch eher überschaubar,",[1397],{"start":24,"end":1398,"type":1377},67,{"type":1389,"text":1400,"spans":1401,"direction":1034},"Starre Strukturen: Die vorzeitige Kündigung eines Zuwachssparvertrags führt fast immer zu massiven Zinsverlusten",[1402],{"start":24,"end":1403,"type":1377},112,{"type":1389,"text":1405,"spans":1406,"direction":1034},"Überschaubare Zielgruppe: Überlegenswert sind Zuwachssparverträge allenfalls für Anleger, die absolute Planbarkeit suchen und die Laufzeit konsequent durchhalten",[1407],{"start":1408,"end":1409,"type":1377},94,114,{"type":1382,"text":1411,"spans":1412,"direction":1034},"Für jeden das passende Zuwachssparen",[],{"type":1389,"text":1414,"spans":1415,"direction":1034},"Für alle, die langfristig planen möchten: Beim Zuwachssparen der BKM Bausparkasse* profitieren Sie von Laufzeiten bis zu 6 Jahren, durchschnittlich 2,16 % p.a. Zinsen und einem Kündigungsrecht nach dem ersten Jahr. Die Anlage ist ab 5.000 € möglich – gebührenfrei und transparent.",[1416,1418,1421,1426,1429,1432,1435,1438],{"start":24,"end":1417,"type":1377},41,{"start":1419,"end":1420,"type":1377},47,82,{"start":1422,"end":1420,"type":1423,"data":1424},65,"hyperlink",{"link_type":49,"url":1425,"target":52},"https:\u002F\u002Fwww.bkm.de\u002Fgeldanlage\u002Fzuwachssparen",{"start":1427,"end":1428,"type":1377},103,129,{"start":1430,"end":1431,"type":1377},131,166,{"start":1433,"end":1434,"type":1377},177,213,{"start":1436,"end":1437,"type":1377},233,240,{"start":1439,"end":1440,"type":1377},251,280,{"type":1389,"text":1442,"spans":1443,"direction":1034},"Für Sparer, die solide Erträge suchen: Das Zuwachssparen der PSD Bank München eG* überzeugt mit 2,85 % p.a. im Durchschnitt, Laufzeiten bis zu 4 Jahren und einer Mindestanlage von 1.500 € – einfach, sicher und planbar.",[1444,1446,1449,1453,1456,1458],{"start":24,"end":1445,"type":1377},38,{"start":1447,"end":1448,"type":1377},43,81,{"start":1450,"end":1448,"type":1423,"data":1451},61,{"link_type":49,"url":1452,"target":52},"https:\u002F\u002Fwww.psd-muenchen.de\u002Fgeldanlagen\u002Fvergleich-sparen-anlegen\u002Fwachstumssparen.html",{"start":1454,"end":1455,"type":1377},96,123,{"start":1457,"end":1393,"type":1377},125,{"start":1459,"end":1460,"type":1377},162,187,{"type":1389,"text":1462,"spans":1463,"direction":1034},"Für renditeorientierte Anleger: Die GEFA BANK* bietet beim Zuwachssparen die Auswahl zwischen einer Anlagezeit von 3 oder 6 Jahren bei einer Mindesteinlage von 10.000 €. Eine Kündigung ist bereits nach einem Jahr möglich.",[1464,1466,1471,1472,1475,1478,1481],{"start":24,"end":1465,"type":1377},31,{"start":1467,"end":1468,"type":1423,"data":1469},36,46,{"link_type":49,"url":1470,"target":52},"https:\u002F\u002Fwww.financeads.net\u002Ftc.php?t=30062C43916512T&subid=fjdrZW",{"start":1467,"end":1468,"type":1377},{"start":1473,"end":1474,"type":1377},59,72,{"start":1476,"end":1477,"type":1377},115,130,{"start":1479,"end":1480,"type":1377},141,168,{"start":1482,"end":1483,"type":1377},175,212,"text_block$376ef99c-b558-460d-8ffb-63b385b17544","text_block",{"variation":1367,"version":1368,"items":1487,"primary":1488,"id":1489,"slice_type":1490,"slice_label":5},[],{"type":1137},"calculator_embed$321fca82-c597-46f7-8da4-c6bd6e76ea04","calculator_embed",{"variation":1367,"version":1368,"items":1492,"primary":1493,"id":1502,"slice_type":1485,"slice_label":5},[],{"text":1494,"chart_alt":5},[1495],{"type":1031,"text":1496,"spans":1497,"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.",[1498,1499],{"start":24,"end":25,"type":1377},{"start":1500,"end":1501,"type":1377},138,172,"text_block$7ac61cdb-cc97-481d-9661-65ab99e9d84b",{"variation":1367,"version":1368,"items":1504,"primary":1505,"id":1766,"slice_type":1485,"slice_label":5},[],{"text":1506,"chart_alt":5},[1507,1510,1513,1515,1518,1521,1524,1527,1530,1533,1536,1539,1542,1544,1548,1554,1559,1562,1569,1577,1579,1587,1595,1599,1601,1604,1615,1618,1621,1623,1626,1629,1632,1635,1638,1640,1643,1646,1649,1652,1654,1657,1660,1664,1667,1671,1674,1677,1679,1682,1685,1688,1704,1706,1709,1712,1715,1718,1721,1724,1726,1729,1732,1734,1737,1740,1743,1745,1748,1753,1757,1761],{"type":1382,"text":1508,"spans":1509,"direction":1034},"Was ist Zuwachssparen?",[],{"type":1031,"text":1511,"spans":1512,"direction":1034},"Zuwachssparen wird häufig auch als Stufenzinssparen bezeichnet. Damit ist das System bereits recht gut beschrieben. Es geht um eine Sparform, bei der sich der Zinssatz auf die Einlagen Jahr für Jahr erhöht. Die Staffelung wird vertraglich festgelegt und bleibt über die gesamte Laufzeit unverändert. Üblich sind Verträge über vier bis sechs Jahre, die nach dem folgenden System aufgebaut sind: Im ersten Jahr sind die Zinsen noch niedrig, im zweiten und dritten Jahr erfolgt ein moderater Anstieg und im letzten Jahr erreichen die Zinsen dann den höchsten Wert. Wenn es darum geht, Zuwachssparverträge zu verkaufen, präsentieren Banken daher naturgemäß vor allem die letzte Zinsstufe, weil sie am attraktivsten aussieht. Das allerdings ist nicht besonders kundenfreundlich. Denn für den Sparer ist am Ende eben nicht der letzte Zinsschritt relevant, sondern der Durchschnittszins über die gesamte Laufzeit.",[],{"type":1031,"text":1379,"spans":1514,"direction":1034},[],{"type":1382,"text":1516,"spans":1517,"direction":1034},"Welche Zinsstaffeln gibt es beim Zuwachssparen?",[],{"type":1031,"text":1519,"spans":1520,"direction":1034},"Das Prinzip ist relativ einfach. Beim Zuwachssparen steigt der Zins nach Maßgabe einer festen Zinsstaffel, die von der Bank festgelegt wird. Diese Staffel gilt für die gesamte Laufzeit.",[],{"type":1031,"text":1522,"spans":1523,"direction":1034},"Ein Beispiel aus einem typischen Sparkassenangebot:",[],{"type":1031,"text":1525,"spans":1526,"direction":1034},"·         Im ersten Jahr der Laufzeit beträgt der Zins 1,0 Prozent.",[],{"type":1031,"text":1528,"spans":1529,"direction":1034},"·         Im zweiten Jahr steig t er auf 1,5 Prozent,",[],{"type":1031,"text":1531,"spans":1532,"direction":1034},"·         Im dritten auf 2,0 und",[],{"type":1031,"text":1534,"spans":1535,"direction":1034},"·         Im vierten und letzten Jahr auf 2,2 Prozent.",[],{"type":1031,"text":1537,"spans":1538,"direction":1034},"Der Kunde erhält jedes Jahr den Zinssatz, der für die jeweilige Stufe vorgesehen ist. Sollte sich das allgemeine Zinsniveau in der Anlagezeit deutlich verändert haben, bleibt diese Entwicklung unberücksichtigt.",[],{"type":1031,"text":1540,"spans":1541,"direction":1034},"Während der Zins der letzten Staffel im letzten Jahr der Laufzeit zumindest einen Inflationsausgleich schafft, fällt die Rendite über die gesamte Laufzeit enttäuschend aus.  Der Grund: Die niedrige Verzinsung der Anfangsjahre drückt den Gesamtertrag deutlich.  Die Durchschnittsrendite über vier Jahre liegt gerade einmal bei 1,675 Prozent pro Jahr. Damit erhalten Kunden beim Zuwachssparen rund einen Prozentpunkt weniger als jene, die ein attraktives Festgeldangebot mit gleicher Laufzeit wählen.",[],{"type":1031,"text":1379,"spans":1543,"direction":1034},[],{"type":1545,"text":1546,"spans":1547,"direction":1034},"heading3","Rendite bei vier Jahre Zuwachssparen im Vergleich zu einer ebenso langen Festgeld-Anlage",[],{"type":1031,"text":1549,"spans":1550,"direction":1034},"·         Anlagebetrag: 10.000 Euro",[1551],{"start":1552,"end":1553,"type":1377},10,23,{"type":1031,"text":1555,"spans":1556,"direction":1034},"·         Laufzeit: vier Jahre",[1557],{"start":1552,"end":1558,"type":1377},19,{"type":1031,"text":1560,"spans":1561,"direction":1034}," ",[],{"type":1031,"text":1563,"spans":1564,"direction":1034},"·         Zuwachssparen-Staffel:\nJahr 1: 1,0 Prozent\nJahr 2: 1,5 Prozent\nJahr 3: 2,0 Prozent\nJahr 4: 2,2 Prozent\n→ Durchschnittsrendite: 1,675 Prozent",[1565,1567],{"start":24,"end":1566,"type":1377},32,{"start":1476,"end":1568,"type":1377},150,{"type":1031,"text":1570,"spans":1571,"direction":1034},"·         Zuwachssparen:\n10.000 Euro ergeben 10.685 Euro nach vier Jahren",[1572,1574],{"start":1552,"end":1573,"type":1377},24,{"start":1575,"end":1576,"type":1377},45,56,{"type":1031,"text":1560,"spans":1578,"direction":1034},[],{"type":1031,"text":1580,"spans":1581,"direction":1034},"·         Festgeldzins (vier Jahre): ca. 2,7–3,0 Prozent fix\n→ Im Beispiel: 2,8 Prozent",[1582,1583,1584],{"start":24,"end":1467,"type":1377},{"start":1417,"end":1576,"type":1377},{"start":1585,"end":1586,"type":1377},76,87,{"type":1031,"text":1588,"spans":1589,"direction":1034},"·         Festgeld (2,8 Prozent):\n10.000 Euro ergeben 11.167,92 Euro nach vier Jahren",[1590,1592],{"start":1552,"end":1591,"type":1377},33,{"start":1593,"end":1594,"type":1377},54,68,{"type":1031,"text":1596,"spans":1597,"direction":1034},"·         Mehrertrag Festgeld plus 482,92 Euro gegenüber Zuwachssparen",[1598],{"start":1552,"end":1468,"type":1377},{"type":1031,"text":1379,"spans":1600,"direction":1034},[],{"type":1382,"text":1602,"spans":1603,"direction":1034},"Welche Renditen lassen sich mit Zuwachssparen erzielen?",[],{"type":1031,"text":1605,"spans":1606,"direction":1034},"Je nach Anbieter und Laufzeit liegen die realen Durchschnittsrenditen beim Zuwachssparen zwischen 1,2 und 2,0 Prozent pro Jahr. Damit liegt das Produkt in Sachen Ertrag zwischen Sparbuch und durchschnittlichen Festgeldangeboten. Mit den Top- Festgeldangebote kann Zuwachssparen schon nicht mehr mithalten – und erst recht nicht mit vielen attraktiven Neukunden-Tagesgeldaktionen.",[1607,1610],{"start":1608,"end":1609,"type":1377},98,126,{"start":1611,"end":1612,"type":1423,"data":1613},178,186,{"link_type":49,"url":1614,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Fangebote-vergleichen\u002Fsparbuch",{"type":1031,"text":1616,"spans":1617,"direction":1034},"Kunden, die auf der Suche nach einer sicheren Geldanlage sind, sollten daher sehr genau hinsehen, wenn ein Bankberater die vermeintlich üppigen Zinsen beim Zuwachssparen preist:  Die gibt es nämlich erst im letzten Jahr – und auch nur dann, wenn der Sparer oder die Sparerin bis zum Ende der Laufzeit durchhält. Wer vorher aussteigt, verliert hingegen fast alle Zinserträge.",[],{"type":1031,"text":1619,"spans":1620,"direction":1034},"Zuwachssparen ist damit zwar ein grundsolides, aber kein renditestarkes Produkt. Seine Stärke liegt in der Planbarkeit, nicht in der Ertragskraft.",[],{"type":1031,"text":1379,"spans":1622,"direction":1034},[],{"type":1382,"text":1624,"spans":1625,"direction":1034},"Sicherheit: Zuwachssparen schützt Ihr Geld – aber nicht Ihre Kaufkraft",[],{"type":1031,"text":1627,"spans":1628,"direction":1034},"Um Anleger im Fall einer Bankenpleite vor Verlusten zu schützen, schreibt das Gesetz eine Einlagensicherung von 100 000 Euro pro Kunde und Bank vor. Davon profitieren auch Zuwachssparer.",[],{"type":1031,"text":1630,"spans":1631,"direction":1034},"Viele deutsche Banken sichern sogar noch höhere Summen ab. Damit geht das Risiko, das Zuwachssparer ihr Geld verlieren, gen Null.",[],{"type":1031,"text":1633,"spans":1634,"direction":1034},"Soweit die gute Nachricht. Die schlechte: Wer sich für die Anlageform des Zuwachssparens entscheidet, verliert am Ende des Tages oft trotzdem Geld. Denn auch wenn sich die Summen auf dem Konto erhöhen, kann die Kaufkraft trotzdem sinken. In Jahren mit Inflationsraten von drei oder vier Prozent verliert das Ersparte real an Wert.",[],{"type":1031,"text":1636,"spans":1637,"direction":1034},"Zuwachssparen bietet damit noch nicht einmal einen Inflationsschutz. Es sichert das Geld rechtlich, aber nicht wirtschaftlich.",[],{"type":1031,"text":1560,"spans":1639,"direction":1034},[],{"type":1382,"text":1641,"spans":1642,"direction":1034},"Flexibilität: Kündigung sind möglich – wirtschaftlich aber ein Verlustgeschäft",[],{"type":1031,"text":1644,"spans":1645,"direction":1034},"Wer sich für einen Zuwachssparvertrag entscheidet, geht eine vergleichsweise lange Bindung ein und kann damit, während der Laufzeit, faktisch nicht auf den Anlagebetrag zugreifen. Grundsätzlich ist es zwar denkbar, einen Zuwachssparvertrag vorzeitig zu kündigen. Praktisch führt das fast immer zu erheblichen Zinsverlusten. Der Grund: Löst sich ein Kunde vor dem vereinbarten Zeitpunkt vom Vertrag, wenden die meisten Banken die vereinbarte Zinsstaffel nicht mehr an, sondern rechnen rückwirkend mit einem Basiszins von 0,01 bis 0,3 Prozent ab. Im Ergebnis bedeutet das, dass ein Vertrag, der eigentlich 600 oder 800 Euro Zinsen eingebracht hätte, plötzlich nur noch 30 oder 40 Euro abwirft. Das gilt selbst dann, wenn der Kunde erst in der zweiten Hälfte der Laufzeit kündigt.",[],{"type":1031,"text":1647,"spans":1648,"direction":1034},"Ein weiteres Problem ist die extrem lange Kündigungsfrist von bis zu 12 Monaten. Während dieser Zeit wird das Guthaben zwar noch verzinst, aber eben auch nur mit dem Basiszins. Außerdem haben die Kunden auch während der Kündigungsfrist noch keinen Zugriff auf ihr Geld.",[],{"type":1031,"text":1650,"spans":1651,"direction":1034},"Diese Kombination aus Kündigungsfrist und Zinsrückstufung macht die vorzeitige Kündigung ökonomisch unsinnig.",[],{"type":1031,"text":1379,"spans":1653,"direction":1034},[],{"type":1382,"text":1655,"spans":1656,"direction":1034},"Was passiert, wenn ein Zuwachssparvertrag endet?",[],{"type":1031,"text":1658,"spans":1659,"direction":1034},"Am Ende der vereinbarten Laufzeit zahlen die Banken das Guthaben üblicherweise aus. Nach welchem System sie dabei verfahren, kann variieren.",[],{"type":1031,"text":1661,"spans":1662,"direction":1034},"Modell 1: Ausschüttende Variante (Standard)",[1663],{"start":24,"end":1447,"type":1377},{"type":1031,"text":1665,"spans":1666,"direction":1034},"Die angesparten Zinsen werden am Laufzeitende zusammen mit dem Guthaben auf das Referenzkonto überwiesen. Der Vertrag endet automatisch. Für die meisten Kunden ist dies die klarste und transparenteste Lösung.",[],{"type":1031,"text":1668,"spans":1669,"direction":1034},"Modell 2: Thesaurierende Variante",[1670],{"start":24,"end":1591,"type":1377},{"type":1031,"text":1672,"spans":1673,"direction":1034},"Hier werden die aufgelaufenen Zinsen nicht ausgezahlt, sondern dem Guthaben zugeschlagen und verzinst. Das erhöht den Effektivzins leicht durch einen kleinen Zinseszinseffekt.",[],{"type":1031,"text":1675,"spans":1676,"direction":1034},"Wichtig:\nBei einigen Banken endet der Vertrag auch in der thesaurierenden Variante automatisch. Andere Institute verlängern die Anlage hingegen automatisch, wenn der Kunde nicht rechtzeitig kündigt. In diesen Fällen wird das Guthaben zu den dann gültigen Konditionen weiterverzinst – die jedoch nicht zwingend den ursprünglichen Staffelzinsen entsprechen müssen.",[],{"type":1031,"text":1379,"spans":1678,"direction":1034},[],{"type":1382,"text":1680,"spans":1681,"direction":1034},"Für wen eignet sich Zuwachssparen?",[],{"type":1031,"text":1683,"spans":1684,"direction":1034},"Das Zuwachssparen ist kein Produkt für Anleger, die flexibel bleiben oder hohe Renditen erzielen wollen. Eine Option ist es aber für sicherheitsorientierte Sparer, die eine feste Struktur bevorzugen und keine Überraschungen wünschen.",[],{"type":1031,"text":1686,"spans":1687,"direction":1034},"Während Tagesgeld flexibel ist und vom Marktumfeld abhängt und Festgeld mit einem festen Zinssatz arbeitet, kombiniert Zuwachssparen Elemente aus beiden Welten. Es bleibt vorhersagbar wie Festgeld, aber die Renditekurve steigt wie beim variablen Sparen, auch wenn der Zuwachs oft nur auf dem Papier entsteht.",[],{"type":1031,"text":1689,"spans":1690,"direction":1034},"Nicht geeignet ist das Zuwachssparen für Anleger, die liquide bleiben wollen oder müssen und eine Rendite erzielen wollen, die über dem aktuellen Marktdurchschnitt liegt. Auch wer flexibel auf Zinsentwicklungen reagieren möchte, findet mit Tagesgeld, Flexgeld oder Festgeld attraktivere Alternativen.",[1691,1695,1699],{"start":1437,"end":1692,"type":1423,"data":1693},249,{"link_type":49,"url":1694,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Fangebote-vergleichen\u002Ftagesgeld",{"start":1439,"end":1696,"type":1423,"data":1697},259,{"link_type":49,"url":1698,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Fangebote-vergleichen\u002Fflexgeld",{"start":1700,"end":1701,"type":1423,"data":1702},265,273,{"link_type":49,"url":1703,"target":52},"https:\u002F\u002Fwww.fmh.de\u002Fgeld-anlegen\u002Fangebote-vergleichen\u002Ffestgeld",{"type":1031,"text":1379,"spans":1705,"direction":1034},[],{"type":1382,"text":1707,"spans":1708,"direction":1034},"Zinssituation und Marktvergleich",[],{"type":1031,"text":1710,"spans":1711,"direction":1034},"Zuwachssparen ist ein Produkt, dass vor allem von den regional starken Sparkassen und Volksbanken vermarktet wird. Onlinebanken meiden es, weil Festgeld und Tagesgeld für sie interessanter sind. Im direkten Vergleich mit anderen Produkten schneiet Zuwachssparen denn auch eher schwach ab:",[],{"type":1031,"text":1713,"spans":1714,"direction":1034},"Tagesgeld bedeutet maximale Flexibilität und liefert häufig hohe Neukundenzinsen. Beides kann Zuwachssparen nicht leisten.",[],{"type":1031,"text":1716,"spans":1717,"direction":1034},"Festgeld ist genauso planbar wie Zuwachssparen, bietet aber meist die besseren Zinsen.",[],{"type":1031,"text":1719,"spans":1720,"direction":1034},"Flexgeld und Kündigungsgeld sind flexibel und in der Regel ebenfalls höher verzinst.",[],{"type":1031,"text":1722,"spans":1723,"direction":1034},"Damit positioniert sich Zuwachssparen am unteren Rand der sicheren Anlagen: sicherheitstechnisch stark, renditeseitig schwach.",[],{"type":1031,"text":1379,"spans":1725,"direction":1034},[],{"type":1382,"text":1727,"spans":1728,"direction":1034},"Inflation: Wann verliert Zuwachssparen an Attraktivität?",[],{"type":1031,"text":1730,"spans":1731,"direction":1034},"Steigt die Inflation über zwei Prozent, verliert das Guthaben von Zuwachssparern real an Wert. Bei Inflationsraten von vier Prozent und Renditen um 1,6 Prozent entsteht ein Kaufkraftverlust von rund 2,4 Prozent pro Jahr. Für einige, besonders sicherheitsorientierte Anleger mag vielleicht noch hinnehmbar sein; für renditeorientierte Sparer ist es ein klares K.O.-Kriterium.",[],{"type":1031,"text":1379,"spans":1733,"direction":1034},[],{"type":1382,"text":1735,"spans":1736,"direction":1034},"Vorzeitige Kündigung – das unterschätzte Risiko",[],{"type":1031,"text":1738,"spans":1739,"direction":1034},"Kündigt der Sparer vorzeitig, erhält er statt der vereinbarten Staffelzinse ausschließlich den Basiszins. Er liegt zwischen 0,01 bis 0,3 Prozent. Ein Vertrag über 20.000 Euro, der nach zwei Jahren eigentlich rund 800 Euro Zinsen erbracht hätte, wirf dann oft nur wenige Euro aus. Dieser Verlust entsteht nicht durch Gebühren, sondern durch die Neuberechnung mit dem Basiszins.",[],{"type":1031,"text":1741,"spans":1742,"direction":1034},"Die extrem langen Kündigungsfristen, die zum Teil zwölf Monate betragen, verstärken diesen Effekt. Für Sparer bedeutet das: Wer auch nur eine geringe Wahrscheinlichkeit sieht, dass er sein Geld vorzeitig benötigt, ist mit Zuwachssparen schlecht beraten.",[],{"type":1031,"text":1379,"spans":1744,"direction":1034},[],{"type":1382,"text":1746,"spans":1747,"direction":1034},"Alternativen zum Zuwachssparen",[],{"type":1031,"text":1749,"spans":1750,"direction":1034},"·         Festgeld bietet konstante Zinssätze und ist bei Laufzeiten bis zu vier Jahren häufig renditestärker als Zuwachssparen.",[1751],{"start":1552,"end":1752,"type":1377},18,{"type":1031,"text":1754,"spans":1755,"direction":1034},"·         Tagesgeld überzeugt durch maximale Flexibilität. Wer Neukundenaktionen nutzt, kann zudem oft deutlich höhere Zinsen erwirtschaften als Zuwachssparer.",[1756],{"start":1552,"end":1558,"type":1377},{"type":1031,"text":1758,"spans":1759,"direction":1034},"·         Flexgeld bzw. Kündigungsgeld ist variabel verzinst, renditestärker als Zuwachssparen aber weniger flexibel als Tagesgeld.  Kunden, die vorzeitig an ihr Geld wollen, müssen daher eine Kündigung aussprechen und ggfls. Zinsabschläge hinnehmen.",[1760],{"start":1552,"end":1445,"type":1377},{"type":1031,"text":1762,"spans":1763,"direction":1034},"·         Kombigeldmodelle verbinden – je nach Bank – unterschiedliche Anlagemodelle (etwa Tagesgeld und Festgeld). Interessenten sollten die Offerten individuell prüfen.",[1764],{"start":1552,"end":1765,"type":1377},26,"text_block$07cf7b96-b99b-47cf-80c4-8681b79a54bd",{"variation":1367,"version":1368,"items":1768,"primary":1769,"id":1798,"slice_type":67,"slice_label":5},[],{"title":1770,"center_title":45,"border":1347,"open_close_icon":1771,"max_width":1772,"list":1773},"Häufig gestellte Fragen (FAQs) zum Zuwachssparen","Caret","none",[1774,1780,1786,1792],{"question":1775,"answer":1776},"Wie hoch ist die reale Rendite von Zuwachssparverträgen?",[1777],{"type":1031,"text":1778,"spans":1779,"direction":1034},"Je nach Anbieter zwischen 1,2 und 2,0 Prozent pro Jahr. Damit liegt Zuwachssparen unter starken Festgeld- und Tagesgeldangeboten.",[],{"question":1781,"answer":1782},"Kann ich Zuwachssparverträge vor dem Ende der Laufzeit kündigen?",[1783],{"type":1031,"text":1784,"spans":1785,"direction":1034},"Ja, allerdings ist das wirtschaftlich nicht sinnvoll. Banken rechnen dann rückwirkend mit extrem niedrigen Basiszins ab, so dass die erwarteten Zinsvorteile verloren sind.",[],{"question":1787,"answer":1788},"Welche Auswirkungen hat die Inflation auf den Sparerfolg?",[1789],{"type":1031,"text":1790,"spans":1791,"direction":1034},"Liegt die Teuerungsrate über der Verzinsung, sinkt die Kaufkraft des Ersparten. Selbst wenn der Kontostand steigt, erhalten Kunden also weniger für ihr Geld.",[],{"question":1793,"answer":1794},"Für wen lohnt sich Zuwachssparen?",[1795],{"type":1031,"text":1796,"spans":1797,"direction":1034},"Wenn überhaupt dann für Sparer, die fest planen wollen, größtmögliche Sicherheit über Renditechancen stellen und die gesamte Laufzeit durchhalten können.",[],"faq$353449de-25a0-491a-bf5d-43a9403c7e3e",{"variation":1800,"version":1368,"items":1801,"primary":1802,"id":1808,"slice_type":1809,"slice_label":5},"latest",[],{"title":1803,"amount":1804,"topic_filter":1805,"first_big":45,"padding":45,"background":1363,"show_all_articles_button":45},"Das könnte Sie auch interessieren",3,{"id":1331,"type":1332,"tags":1806,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":1807,"isBroken":45},[],"dcd28d1b-7780-49a5-9229-55893e50a0f8","article_cards$da9d89ae-8074-469a-a784-d665c98ba6f8","article_cards","Zuwachssparen-Vergleich {{current_month}}\u002F{{current_year}} – Rendite & Risiko","Zuwachssparen erklärt: Zinsen, Rendite, Kündigung & Alternativen. 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Vergleichen Sie Zinsen, Laufzeiten und Konditionen führender Banken und Anbieter – transparent, aktuell und übersichtlich.",[],{"dimensions":1848,"alt":1851,"copyright":1852,"url":1853,"id":1854,"edit":1855},{"width":1849,"height":1850},1200,800,"3D-Grafik mit Zielscheibe, Lupe, Säulendiagramm","StockStyle, Shutterstock","https:\u002F\u002Fimages.prismic.io\u002Ffmh-de-dev\u002FaQd45LpReVYa37Uk_3d-grafik-geldanlage.png?auto=format,compress","aQd45LpReVYa37Uk",{"x":24,"y":24,"zoom":25,"background":26},"Image Left, Links Right",[1858,1864,1869,1874,1879,1884,1889,1894,1899,1904],{"link":1859,"description":1863},{"id":173,"type":107,"tags":1860,"lang":13,"slug":110,"first_publication_date":175,"last_publication_date":176,"uid":177,"url":178,"link_type":43,"key":1861,"isBroken":45,"text":1862},[],"6c968fc8-4b9a-41b1-ac8c-ddc136149649","Altersvorsorgedepot-Vergleich","Ab Januar 2027 mit ETFs für die Rente sparen: Erfahren Sie, wie das neue Altersvorsorgedepot mit staatlicher Förderung funktioniert.",{"link":1865,"description":1868},{"id":106,"type":107,"tags":1866,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"key":1867,"isBroken":45,"text":1132},[109],"0367cc35-cb53-4c9c-b059-fd10bd711ce2","Finden Sie das Tagesgeldkonto mit den besten Zinsen – täglich verfügbar und sicher angelegt.",{"link":1870,"description":1873},{"id":119,"type":107,"tags":1871,"lang":13,"slug":110,"first_publication_date":121,"last_publication_date":122,"uid":123,"url":124,"link_type":43,"key":1872,"isBroken":45,"text":1082},[109],"f937273b-1ee7-4df0-bd22-4062d482453a","Vergleichen Sie aktuelle Festgeldzinsen und sichern Sie sich planbare Erträge über feste 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Anlagestrategie.",{"link":1885,"description":1888},{"id":151,"type":107,"tags":1886,"lang":13,"slug":131,"first_publication_date":153,"last_publication_date":154,"uid":155,"url":156,"link_type":43,"key":1887,"isBroken":45,"text":158},[109],"1a77fed3-f643-4d62-ba0d-75cd4474b4a0","Finden Sie heraus, bei welchen Anbietern Sie regelmäßig und günstig in Fonds oder ETFs investieren können.",{"link":1890,"description":1893},{"id":161,"type":107,"tags":1891,"lang":13,"slug":163,"first_publication_date":164,"last_publication_date":165,"uid":166,"url":167,"link_type":43,"key":1892,"isBroken":45,"text":169},[109],"06be2555-dc00-4e64-8c2b-16872acb42b1","Vergleichen Sie digitale Vermögensverwaltungen und finden Sie den Robo-Advisor, der zu Ihrer Anlagestrategie 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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":2225,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2226,"isBroken":45},[],"33a0351f-12d1-4305-9916-5ba4a22b97fc",[2228],{"type":1031,"text":2229,"spans":2230,"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":2232,"type":1352,"tags":2233,"lang":13,"slug":2234,"first_publication_date":2235,"last_publication_date":2235,"uid":2236,"link_type":43,"key":2237,"isBroken":45},"aru92BIAACsA5kEA",[],"carlos-lopes-da-costa","2026-09-29T13:33:56+0000","carlos-lopes-da-ccosta","b0484330-f724-44c3-ac07-efd4d1fb710f",{"dimensions":2239,"alt":2241,"copyright":2242,"url":2243,"id":2244,"edit":2245},{"width":2240,"height":1822},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":2248,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2249,"isBroken":45},[],"3333668b-8d93-4604-af65-2e6f1bd60b21",[2251,2342,2355],{"variation":1367,"version":1368,"items":2252,"primary":2253,"id":2341,"slice_type":1485,"slice_label":5},[],{"text":2254,"chart_alt":5},[2255,2258,2261,2264,2267,2269,2272,2275,2278,2281,2284,2287,2295,2303,2316,2324,2326,2329,2332,2335,2338],{"type":1382,"text":2256,"spans":2257,"direction":1034},"Endlich mehr Chancen fürs Alter ",[],{"type":1031,"text":2259,"spans":2260,"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":2262,"spans":2263,"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":2265,"spans":2266,"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":1379,"spans":2268,"direction":1034},[],{"type":1382,"text":2270,"spans":2271,"direction":1034},"Mehr Möglichkeiten und mehr Eigenverantwortung ",[],{"type":1031,"text":2273,"spans":2274,"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":2276,"spans":2277,"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":2279,"spans":2280,"direction":1034},"Diese – und viele weitere - Fragen verdienen verständliche Antworten. ",[],{"type":1545,"text":2282,"spans":2283,"direction":1034},"Ist ein Einstieg auch ohne Börsenerfahrung möglich? ",[],{"type":1031,"text":2285,"spans":2286,"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":1389,"text":2288,"spans":2289,"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.  ",[2290,2293],{"start":2291,"end":2292,"type":1377},4,7,{"start":2294,"end":1427,"type":1377},102,{"type":1389,"text":2296,"spans":2297,"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.  ",[2298,2302],{"start":2291,"end":2299,"type":1423,"data":2300},12,{"id":151,"type":107,"tags":2301,"lang":13,"slug":131,"first_publication_date":153,"last_publication_date":154,"uid":155,"url":156,"link_type":43,"isBroken":45},[109],{"start":2291,"end":2299,"type":1377},{"type":1389,"text":2304,"spans":2305,"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.",[2306,2311,2312,2314],{"start":2307,"end":2308,"type":1423,"data":2309},111,124,{"id":141,"type":107,"tags":2310,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"start":2307,"end":1457,"type":1377},{"start":1500,"end":2313,"type":1377},140,{"start":2315,"end":1480,"type":1377},167,{"type":1031,"text":2317,"spans":2318,"direction":1034},"Mehr erfahren Sie in unserer Übersicht zum Altersvorsorgedepot. ",[2319],{"start":2320,"end":2321,"type":1423,"data":2322},29,62,{"id":173,"type":107,"tags":2323,"lang":13,"slug":110,"first_publication_date":175,"last_publication_date":176,"uid":177,"url":178,"link_type":43,"isBroken":45},[],{"type":1031,"text":1379,"spans":2325,"direction":1034},[],{"type":1382,"text":2327,"spans":2328,"direction":1034},"Wie profitieren Sparer von der staatlichen Förderung? ",[],{"type":1031,"text":2330,"spans":2331,"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":2333,"spans":2334,"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":2336,"spans":2337,"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":2339,"spans":2340,"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":2343,"primary":2344,"id":2353,"slice_type":2354,"slice_label":5},[],{"image":2345,"image_url":5,"caption":2352},{"dimensions":2346,"alt":2348,"copyright":5,"url":2349,"id":2350,"edit":2351},{"width":1822,"height":2347},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":2356,"primary":2357,"id":2397,"slice_type":1485,"slice_label":5},[],{"text":2358,"chart_alt":5},[2359,2362,2365,2368,2371,2374,2377,2388,2391,2394],{"type":1382,"text":2360,"spans":2361,"direction":1034},"Was passiert mit der Riester-Rente, wenn das Altersvorsorgedepot kommt? ",[],{"type":1031,"text":2363,"spans":2364,"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":2366,"spans":2367,"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":2369,"spans":2370,"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":2372,"spans":2373,"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":1382,"text":2375,"spans":2376,"direction":1034},"Wo finden Interessenten die besten Anbieter? ",[],{"type":1031,"text":2378,"spans":2379,"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:  ",[2380,2384],{"start":1594,"end":2381,"type":1423,"data":2382},91,{"id":248,"type":107,"tags":2383,"lang":13,"slug":250,"first_publication_date":251,"last_publication_date":252,"uid":253,"url":254,"link_type":43,"isBroken":45},[],{"start":1501,"end":2385,"type":1423,"data":2386},190,{"id":141,"type":107,"tags":2387,"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":2389,"spans":2390,"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":2392,"spans":2393,"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":2395,"spans":2396,"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":2401,"alt":2241,"copyright":2242,"url":2404,"id":2244,"edit":2405},{"width":2402,"height":2403},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":2406,"zoom":25,"background":26},106,{"id":342,"uid":347,"url":348,"type":319,"href":2408,"tags":2409,"first_publication_date":345,"last_publication_date":346,"slugs":2410,"linked_documents":2411,"lang":13,"alternate_languages":2412,"data":2413},"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":2414,"last_edit_date":2414,"set_last_edit_date_today":45,"title":2415,"subtitle":2416,"breadcrumb_title":5,"topic":2417,"teaser":2420,"author":2424,"cover":2432,"cover_position":1360,"table_of_content":1362,"toc_calculator":1363,"toc_selection":1364,"carousel_topic_filter":2438,"slices":2441,"meta_title":5,"meta_description":5,"meta_image":2963,"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":2418,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2419,"isBroken":45},[],"5f54ec78-a1e2-4629-8359-14b996b5cc49",[2421],{"type":1031,"text":2422,"spans":2423,"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":2425,"type":1352,"tags":2426,"lang":13,"slug":2427,"first_publication_date":2428,"last_publication_date":2429,"uid":2430,"link_type":43,"key":2431,"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":2433,"alt":2434,"copyright":2242,"url":2435,"id":2436,"edit":2437},{"width":1849,"height":1850},"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":1445,"y":24,"zoom":25,"background":26},{"id":1331,"type":1332,"tags":2439,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2440,"isBroken":45},[],"008844f2-f36e-405b-b946-2dff0dfecba4",[2442,2624,2787],{"variation":1367,"version":1368,"items":2443,"primary":2444,"id":2623,"slice_type":1485,"slice_label":5},[],{"text":2445,"chart_alt":5},[2446,2449,2454,2456,2459,2464,2469,2474,2477,2484,2488,2493,2498,2501,2504,2510,2513,2516,2522,2527,2530,2533,2536,2541,2545,2550,2553,2556,2559,2564,2567,2572,2575,2578,2581,2592,2597,2600,2605,2608,2611,2614,2617,2620],{"type":1031,"text":2447,"spans":2448,"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":2450,"spans":2451,"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.",[2452],{"start":2453,"end":1408,"type":1377},79,{"type":1031,"text":1379,"spans":2455,"direction":1034},[],{"type":1382,"text":2457,"spans":2458,"direction":1034},"Das Wichtigste zur Frühstart-Rente",[],{"type":1389,"text":2460,"spans":2461,"direction":1034},"Der Staat zahlt 10 Euro pro Monat für jedes anspruchsberechtigte Kind.",[2462],{"start":2463,"end":1591,"type":1377},16,{"type":1389,"text":2465,"spans":2466,"direction":1034},"Gefördert wird grundsätzlich vom 6. bis zum 18. Lebensjahr.",[2467],{"start":1591,"end":2468,"type":1377},58,{"type":1389,"text":2470,"spans":2471,"direction":1034},"Die Förderung ist unabhängig vom Einkommen der Eltern.",[2472],{"start":1752,"end":2473,"type":1377},53,{"type":1389,"text":2475,"spans":2476,"direction":1034},"Die Eltern können ein geeignetes Altersvorsorgedepot für ihr Kind eröffnen.",[],{"type":1389,"text":2478,"spans":2479,"direction":1034},"Wird kein Depot eröffnet, legt der Staat das Geld kollektiv am Kapitalmarkt an.",[2480],{"start":1552,"end":2481,"type":1423,"data":2482},15,{"id":141,"type":107,"tags":2483,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"type":1389,"text":2485,"spans":2486,"direction":1034},"Die Frühstart-Rente startet mit dem Geburtsjahrgang 2020. Die Förderung für diesen Jahrgang wird für 2026 rückwirkend gewährt.",[2487],{"start":1467,"end":1576,"type":1377},{"type":1389,"text":2489,"spans":2490,"direction":1034},"Die regulären Einzahlungen sollen ab 2027 beginnen.",[2491],{"start":2492,"end":1417,"type":1377},34,{"type":1389,"text":2494,"spans":2495,"direction":1034},"Das geförderte Geld ist grundsätzlich bis zum 65. Lebensjahr gebunden.",[2496],{"start":1468,"end":2497,"type":1377},60,{"type":1382,"text":2499,"spans":2500,"direction":1034},"Frühstart-Rente beschlossen – aber noch nicht endgültig Gesetz",[],{"type":1031,"text":2502,"spans":2503,"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":2505,"spans":2506,"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.",[2507],{"start":2508,"end":2509,"type":1377},95,109,{"type":1031,"text":2511,"spans":2512,"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":1382,"text":2514,"spans":2515,"direction":1034},"Wer bekommt die Frühstart-Rente?",[],{"type":1031,"text":2517,"spans":2518,"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.",[2519],{"start":2520,"end":2521,"type":1377},205,235,{"type":1031,"text":2523,"spans":2524,"direction":1034},"Allerdings werden nicht sofort sämtliche Kinder zwischen sechs und 18 Jahren einbezogen. Die Frühstart-Rente wird jahrgangsweise eingeführt.",[2525],{"start":1409,"end":2526,"type":1377},139,{"type":1031,"text":2528,"spans":2529,"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":2531,"spans":2532,"direction":1034},"Für frühere Geburtsjahrgänge der unter 18-Jährigen können ebenfalls Verträge geschlossen werden, jedoch ohne staatliche Zuwendungen.",[],{"type":1545,"text":2534,"spans":2535,"direction":1034},"So ist die Einführung geplant",[],{"type":1031,"text":2537,"spans":2538,"direction":1034},"2026: Der Geburtsjahrgang 2020 erhält rückwirkend Anspruch auf die Förderung.",[2539],{"start":24,"end":2540,"type":1377},5,{"type":1031,"text":2542,"spans":2543,"direction":1034},"2027: Die tatsächlichen Zahlungen beginnen. Neben dem Jahrgang 2020 wird der Geburtsjahrgang 2021 einbezogen.",[2544],{"start":24,"end":2540,"type":1377},{"type":1031,"text":2546,"spans":2547,"direction":1034},"Ab 2028: Jedes Jahr kommt der nächste Geburtsjahrgang hinzu.",[2548],{"start":24,"end":2549,"type":1377},8,{"type":1031,"text":2551,"spans":2552,"direction":1034},"Dadurch wächst die Zahl der geförderten Kinder schrittweise.",[],{"type":1382,"text":2554,"spans":2555,"direction":1034},"Wie viel Geld zahlt der Staat?",[],{"type":1031,"text":2557,"spans":2558,"direction":1034},"Die staatliche Förderung beträgt:",[],{"type":1031,"text":2560,"spans":2561,"direction":1034},"10 Euro pro Monat beziehungsweise 120 Euro pro Jahr.",[2562],{"start":24,"end":2563,"type":1377},52,{"type":1031,"text":2565,"spans":2566,"direction":1034},"Über die maximale Förderzeit von zwölf Jahren summieren sich die reinen staatlichen Einzahlungen damit auf:",[],{"type":1031,"text":2568,"spans":2569,"direction":1034},"10 Euro × 12 Monate × 12 Jahre = 1.440 Euro.",[2570],{"start":24,"end":2571,"type":1377},44,{"type":1031,"text":2573,"spans":2574,"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":1382,"text":2576,"spans":2577,"direction":1034},"Aus 1.440 Euro können laut Bundesregierung rund 53.000 Euro werden",[],{"type":1031,"text":2579,"spans":2580,"direction":1034},"Das Bundesfinanzministerium zeigt in einer Beispielrechnung, wie stark sich der lange Anlagehorizont auswirken könnte.",[],{"type":1031,"text":2582,"spans":2583,"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.",[2584,2587,2589],{"start":2585,"end":2586,"type":1377},66,84,{"start":1460,"end":2588,"type":1377},197,{"start":2590,"end":2591,"type":1377},291,302,{"type":1031,"text":2593,"spans":2594,"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.",[2595,2596],{"start":24,"end":2549,"type":1377},{"start":1576,"end":1448,"type":1377},{"type":1545,"text":2598,"spans":2599,"direction":1034},"Wie hoch wäre daraus die spätere Monatsrente?",[],{"type":1031,"text":2601,"spans":2602,"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.",[2603],{"start":1427,"end":2604,"type":1377},119,{"type":1031,"text":2606,"spans":2607,"direction":1034},"Wie viel später tatsächlich monatlich zur Verfügung steht, hängt unter anderem davon ab,",[],{"type":1389,"text":2609,"spans":2610,"direction":1034},"wie lange das Kapital ausgezahlt werden soll,",[],{"type":1389,"text":2612,"spans":2613,"direction":1034},"wie sich das verbleibende Vermögen während der Auszahlungsphase entwickelt,",[],{"type":1389,"text":2615,"spans":2616,"direction":1034},"welche Kosten anfallen und",[],{"type":1389,"text":2618,"spans":2619,"direction":1034},"wie die Leistungen steuerlich behandelt werden.",[],{"type":1031,"text":2621,"spans":2622,"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":2625,"primary":2626,"id":2785,"slice_type":2786,"slice_label":5},[],{"title":2627,"textblock":2628,"table":2639,"footnotes":2781,"primary_background":45,"primary_column_background":1347,"primary_row_background":1347},"Eltern können zusätzlich einzahlen",[2629,2632,2636],{"type":1031,"text":2630,"spans":2631,"direction":1034},"Die staatlichen zehn Euro müssen nicht die einzige Einzahlung bleiben. Eltern oder andere Personen können das Vorsorgedepot zusätzlich besparen.",[],{"type":1031,"text":2633,"spans":2634,"direction":1034},"Nach dem Regierungsentwurf sind private Zuzahlungen von bis zu 6.840 Euro pro Jahr möglich.",[2635],{"start":1566,"end":1420,"type":1377},{"type":1031,"text":2637,"spans":2638,"direction":1034},"Welchen Effekt zusätzliche Sparbeträge haben können, zeigt ebenfalls eine Modellrechnung des Bundesfinanzministeriums:",[],{"head":2640,"body":2670},{"rows":2641},[2642],{"key":2643,"cells":2644},"e28bc612-79ba-4c04-a6cf-1fe309df13fc",[2645,2652,2658,2664],{"key":2646,"type":2647,"content":2648},"f1bc83dc-c5d3-4562-9f61-62df33618ec2","header",[2649],{"type":1031,"text":2650,"spans":2651,"direction":1034},"Zusätzliche Einzahlung der Eltern",[],{"key":2653,"type":2647,"content":2654},"2fe9a12c-2bdf-4b57-bd8f-0dac489a3193",[2655],{"type":1031,"text":2656,"spans":2657,"direction":1034},"Einzahlungen bis 18",[],{"key":2659,"type":2647,"content":2660},"8a7c872d-7801-4d17-a6c4-c03a06472748",[2661],{"type":1031,"text":2662,"spans":2663,"direction":1034},"Modellwert mit 18",[],{"key":2665,"type":2647,"content":2666},"30ffa89f-4573-4719-8b49-5e3c34362255",[2667],{"type":1031,"text":2668,"spans":2669,"direction":1034},"Modellwert mit 65",[],{"rows":2671},[2672,2700,2727,2754],{"key":2673,"cells":2674},"159dc215-c1ae-4cb9-8ec3-405ee4dd49c6",[2675,2682,2688,2694],{"key":2676,"type":2677,"content":2678},"abf444d9-d642-4796-87e7-9bf9f2f42b76","data",[2679],{"type":1031,"text":2680,"spans":2681,"direction":1034},"0 € monatlich",[],{"key":2683,"type":2677,"content":2684},"0df28f3c-5fcd-4f64-b382-7ade381bf594",[2685],{"type":1031,"text":2686,"spans":2687,"direction":1034},"1.440 €",[],{"key":2689,"type":2677,"content":2690},"e8907d3e-b088-497b-8cdd-a7b6b3417cf0",[2691],{"type":1031,"text":2692,"spans":2693,"direction":1034},"ca. 2.200 €",[],{"key":2695,"type":2677,"content":2696},"edf5163c-2962-482d-9c3c-1b37ba4b708d",[2697],{"type":1031,"text":2698,"spans":2699,"direction":1034},"ca. 53.000 €",[],{"key":2701,"cells":2702},"a6ab571c-ca34-4e59-8977-30dd8aaf7b0e",[2703,2709,2715,2721],{"key":2704,"type":2677,"content":2705},"fb1d675b-9012-4698-9830-c284a72086eb",[2706],{"type":1031,"text":2707,"spans":2708,"direction":1034},"10 € monatlich",[],{"key":2710,"type":2677,"content":2711},"168802e4-d671-488c-83c1-e424e6060ef4",[2712],{"type":1031,"text":2713,"spans":2714,"direction":1034},"2.880 €",[],{"key":2716,"type":2677,"content":2717},"b0b3dea4-0f6e-4b62-95c2-9221fa184d58",[2718],{"type":1031,"text":2719,"spans":2720,"direction":1034},"ca. 4.400 €",[],{"key":2722,"type":2677,"content":2723},"8908ff56-9be8-4596-8d0d-859e3b6cae2d",[2724],{"type":1031,"text":2725,"spans":2726,"direction":1034},"ca. 107.000 €",[],{"key":2728,"cells":2729},"838d647c-9628-48e7-9b16-3af1d927c668",[2730,2736,2742,2748],{"key":2731,"type":2677,"content":2732},"aab6d280-f371-460d-8029-f11ee14a3004",[2733],{"type":1031,"text":2734,"spans":2735,"direction":1034},"20 € monatlich",[],{"key":2737,"type":2677,"content":2738},"ee96fcef-2a93-4c97-bb9d-50dc17f028d1",[2739],{"type":1031,"text":2740,"spans":2741,"direction":1034},"4.320 €",[],{"key":2743,"type":2677,"content":2744},"830c87bf-d3b8-4143-a0aa-82513c5d9972",[2745],{"type":1031,"text":2746,"spans":2747,"direction":1034},"ca. 6.600 €",[],{"key":2749,"type":2677,"content":2750},"b500f1da-a457-463f-842d-5a73e8dcfb8d",[2751],{"type":1031,"text":2752,"spans":2753,"direction":1034},"ca. 160.000 €",[],{"key":2755,"cells":2756},"8673125d-74c4-4031-b67c-6ae8da3b9859",[2757,2763,2769,2775],{"key":2758,"type":2677,"content":2759},"afe908ab-077b-4cf7-b129-3e293b6407a9",[2760],{"type":1031,"text":2761,"spans":2762,"direction":1034},"50 € monatlich",[],{"key":2764,"type":2677,"content":2765},"38311c62-2b90-4568-bd88-2a42034e7e45",[2766],{"type":1031,"text":2767,"spans":2768,"direction":1034},"8.640 €",[],{"key":2770,"type":2677,"content":2771},"c505823a-3e1c-40b4-af7f-2574d199c88b",[2772],{"type":1031,"text":2773,"spans":2774,"direction":1034},"ca. 13.300 €",[],{"key":2776,"type":2677,"content":2777},"b1b16239-1ea3-4899-89f1-44feada66df4",[2778],{"type":1031,"text":2779,"spans":2780,"direction":1034},"ca. 320.000 €",[],[2782],{"type":1031,"text":2783,"spans":2784,"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":1367,"version":1368,"items":2788,"primary":2789,"id":2962,"slice_type":1485,"slice_label":5},[],{"text":2790,"chart_alt":5},[2791,2794,2799,2802,2806,2811,2814,2817,2820,2823,2831,2834,2837,2843,2846,2849,2852,2858,2861,2864,2867,2870,2873,2876,2879,2882,2885,2888,2891,2894,2897,2900,2903,2906,2909,2912,2915,2918,2921,2924,2927,2930,2933,2936,2945,2948,2951,2954,2957],{"type":1382,"text":2792,"spans":2793,"direction":1034},"Wie wird das Geld der Frühstart-Rente angelegt?",[],{"type":1031,"text":2795,"spans":2796,"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.",[2797],{"start":2406,"end":2798,"type":1377},170,{"type":1031,"text":2800,"spans":2801,"direction":1034},"Der Staat macht dabei Vorgaben zu den Kosten:",[],{"type":1389,"text":2803,"spans":2804,"direction":1034},"Die Effektivkosten dürfen in der Ansparphase maximal 1 Prozent betragen.",[2805],{"start":1575,"end":2321,"type":1377},{"type":1389,"text":2807,"spans":2808,"direction":1034},"Bis zur Volljährigkeit dürfen keine Abschluss- und Vertriebskosten verlangt werden.",[2809],{"start":2810,"end":2585,"type":1377},30,{"type":1031,"text":2812,"spans":2813,"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":2815,"spans":2816,"direction":1034},"Gerade der lange Zeitraum bis zum Rentenalter soll dabei helfen, kurzfristige Schwankungen auszugleichen und langfristige Renditechancen zu nutzen.",[],{"type":1382,"text":2818,"spans":2819,"direction":1034},"Was passiert, wenn die Eltern kein Depot eröffnen?",[],{"type":1031,"text":2821,"spans":2822,"direction":1034},"Kein Kind soll die staatliche Förderung verlieren, nur weil die Eltern kein Altersvorsorgedepot auswählen.",[],{"type":1031,"text":2824,"spans":2825,"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.",[2826,2828],{"start":2827,"end":1403,"type":1377},88,{"start":2829,"end":2830,"type":1377},189,209,{"type":1031,"text":2832,"spans":2833,"direction":1034},"Das Geld soll dabei global diversifiziert und vor allem in Aktien beziehungsweise Aktienfonds investiert werden.",[],{"type":1031,"text":2835,"spans":2836,"direction":1034},"Die kollektive Anlage beginnt zeitversetzt. Eltern erhalten zunächst ausreichend Gelegenheit, selbst einen individuellen Vertrag für ihr Kind abzuschließen.",[],{"type":1031,"text":2838,"spans":2839,"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.",[2840],{"start":2841,"end":2842,"type":1377},182,216,{"type":1382,"text":2844,"spans":2845,"direction":1034},"Was passiert mit dem Depot ab dem 18. Geburtstag?",[],{"type":1031,"text":2847,"spans":2848,"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":2850,"spans":2851,"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":2853,"spans":2854,"direction":1034},"Eine freie Auszahlung mit 18 Jahren ist dagegen nicht vorgesehen. Das geförderte Kapital soll grundsätzlich erst ab dem 65. Lebensjahr verfügbar sein.",[2855],{"start":2856,"end":2857,"type":1377},108,134,{"type":1031,"text":2859,"spans":2860,"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":1382,"text":2862,"spans":2863,"direction":1034},"Wie werden Erträge aus der Frühstart-Rente besteuert?",[],{"type":1031,"text":2865,"spans":2866,"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":2868,"spans":2869,"direction":1034},"Dadurch können während der jahrzehntelangen Ansparphase auch Erträge weiter investiert werden, die bei einem normalen Wertpapierdepot möglicherweise bereits besteuert würden.",[],{"type":1382,"text":2871,"spans":2872,"direction":1034},"Checkliste: Was Eltern zur Frühstart-Rente wissen sollten",[],{"type":1545,"text":2874,"spans":2875,"direction":1034},"1. Prüfen, wann das eigene Kind an der Reihe ist",[],{"type":1389,"text":2877,"spans":2878,"direction":1034},"Geburtsjahr des Kindes prüfen.",[],{"type":1389,"text":2880,"spans":2881,"direction":1034},"Der erste geförderte Jahrgang ist 2020.",[],{"type":1389,"text":2883,"spans":2884,"direction":1034},"Danach kommt jedes Jahr ein weiterer Jahrgang hinzu.",[],{"type":1389,"text":2886,"spans":2887,"direction":1034},"Voraussetzung ist nach aktuellem Regierungsentwurf ein erster Wohnsitz in Deutschland.",[],{"type":1545,"text":2889,"spans":2890,"direction":1034},"2. Noch auf den Abschluss des Gesetzgebungsverfahrens warten",[],{"type":1389,"text":2892,"spans":2893,"direction":1034},"Der Regierungsentwurf wurde am 12. August 2026 vom Bundeskabinett beschlossen.",[],{"type":1389,"text":2895,"spans":2896,"direction":1034},"Bundestag und Bundesrat müssen sich noch mit dem Gesetz befassen.",[],{"type":1389,"text":2898,"spans":2899,"direction":1034},"Die praktische Umsetzung soll ab 2027 beginnen.",[],{"type":1545,"text":2901,"spans":2902,"direction":1034},"3. Individuelles Vorsorgedepot prüfen",[],{"type":1389,"text":2904,"spans":2905,"direction":1034},"Sobald entsprechende Produkte angeboten werden, Konditionen verschiedener Anbieter vergleichen.",[],{"type":1389,"text":2907,"spans":2908,"direction":1034},"Nur geeignete und zertifizierte Standarddepot-Verträge kommen für die staatliche Förderung infrage.",[],{"type":1389,"text":2910,"spans":2911,"direction":1034},"Auf Kosten, Anlagestrategie und langfristige Renditechancen achten.",[],{"type":1545,"text":2913,"spans":2914,"direction":1034},"4. Eigene Zuzahlungen überlegen",[],{"type":1389,"text":2916,"spans":2917,"direction":1034},"Prüfen, ob zusätzlich zu den zehn Euro des Staates eigenes Geld eingezahlt werden soll.",[],{"type":1389,"text":2919,"spans":2920,"direction":1034},"Bereits kleinere monatliche Beträge können durch den langen Anlagezeitraum einen erheblichen Unterschied machen.",[],{"type":1389,"text":2922,"spans":2923,"direction":1034},"Private Zuzahlungen sind nach aktuellem Stand bis 6.840 Euro pro Jahr möglich.",[],{"type":1545,"text":2925,"spans":2926,"direction":1034},"5. Kein Depot eröffnet? Die Förderung geht nicht verloren",[],{"type":1389,"text":2928,"spans":2929,"direction":1034},"Ohne individuelle Entscheidung wird das Geld kollektiv angelegt.",[],{"type":1389,"text":2931,"spans":2932,"direction":1034},"Die Deutsche Bundesbank soll die staatliche Kapitalanlage verwalten.",[],{"type":1389,"text":2934,"spans":2935,"direction":1034},"Der individuelle Anteil kann später in einen persönlichen Altersvorsorgevertrag übertragen werden.",[],{"type":1389,"text":2937,"spans":2938,"direction":1034},"Tipp: In unserem Depot-Vergleich können Sie sich einen Überblick zu vielen Anbietern verschaffen.",[2939,2940,2944],{"start":24,"end":2540,"type":1377},{"start":2941,"end":1566,"type":1423,"data":2942},17,{"id":141,"type":107,"tags":2943,"lang":13,"slug":131,"first_publication_date":143,"last_publication_date":144,"uid":145,"url":146,"link_type":43,"isBroken":45},[109],{"start":2941,"end":1566,"type":1377},{"type":1382,"text":2946,"spans":2947,"direction":1034},"Fazit: Die zehn Euro sind vor allem der Startschuss",[],{"type":1031,"text":2949,"spans":2950,"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":2952,"spans":2953,"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":2955,"spans":2956,"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":2958,"spans":2959,"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.",[2960],{"start":2961,"end":1476,"type":1377},25,"text_block$42c426ff-f94e-435a-a65f-f71195fefeac",{},{"id":318,"uid":324,"url":325,"type":319,"href":2965,"tags":2966,"first_publication_date":322,"last_publication_date":323,"slugs":2967,"linked_documents":2968,"lang":13,"alternate_languages":2969,"data":2970},"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":2971,"last_edit_date":2971,"set_last_edit_date_today":45,"title":2972,"subtitle":2973,"breadcrumb_title":2974,"topic":2975,"teaser":2978,"author":2985,"cover":2992,"cover_position":1360,"table_of_content":2999,"toc_calculator":1363,"toc_selection":3000,"carousel_topic_filter":3001,"slices":3004,"meta_title":3386,"meta_description":3387,"meta_image":3388,"meta_indexed":1347},"2026-08-10","Tagesgeld-Hopping lohnt sich","Bis zu 846 Prozent Zinsplus für Tagesgeld-Hopper","Tagesgeldhopping",{"id":1331,"type":1332,"tags":2976,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":2977,"isBroken":45},[],"ee2b754a-b845-4a46-a4bb-1b7ae50a9232",[2979],{"type":1031,"text":2980,"spans":2981,"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…",[2982],{"start":24,"end":2983,"type":2984},243,"em",{"id":2986,"type":1352,"tags":2987,"lang":13,"slug":2988,"first_publication_date":2989,"last_publication_date":2990,"uid":2988,"link_type":43,"key":2991,"isBroken":45},"aNvqoxIAACQAg-TQ",[],"max-herbst","2025-09-30T14:43:09+0000","2025-10-27T16:08:49+0000","f3bd9987-0d5d-486b-b4a7-f4737d8adccc",{"dimensions":2993,"alt":2994,"copyright":2995,"url":2996,"id":2997,"edit":2998},{"width":1849,"height":1850},"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":3002,"lang":13,"slug":1334,"first_publication_date":1335,"last_publication_date":1336,"uid":1334,"link_type":43,"key":3003,"isBroken":45},[],"f0910e4a-1e0f-42df-9a17-21f738febbaf",[3005,3028,3154,3196,3323,3378],{"variation":1367,"version":1368,"items":3006,"primary":3007,"id":3027,"slice_type":1485,"slice_label":5},[],{"text":3008,"chart_alt":5},[3009,3016,3019,3022,3024],{"type":1031,"text":3010,"spans":3011,"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.",[3012],{"start":3013,"end":2509,"type":1423,"data":3014},100,{"id":106,"type":107,"tags":3015,"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":3017,"spans":3018,"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":3020,"spans":3021,"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":1379,"spans":3023,"direction":1034},[],{"type":1031,"text":3025,"spans":3026,"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":3029,"primary":3030,"id":3152,"slice_type":3153,"slice_label":5},[],{"title":3031,"table":3032},"Drei unterschiedliche Kunden",{"head":3033,"body":3062},{"rows":3034},[3035],{"key":3036,"cells":3037},"1b7862ee-a222-4ebf-828b-2cdc18ac35d0",[3038,3044,3050,3056],{"key":3039,"type":2647,"content":3040},"b847db47-f7d0-48e6-8d96-4401d428ebf2",[3041],{"type":1031,"text":3042,"spans":3043,"direction":1034},"Kundentyp",[],{"key":3045,"type":2647,"content":3046},"72a6111c-412c-4886-93cd-0ece552e73b2",[3047],{"type":1031,"text":3048,"spans":3049,"direction":1034},"Wechselverhalten",[],{"key":3051,"type":2647,"content":3052},"7b326341-cd56-4516-bd2d-b1b97f12e0d8",[3053],{"type":1031,"text":3054,"spans":3055,"direction":1034},"Vorgehen",[],{"key":3057,"type":2647,"content":3058},"8d642a71-ec78-4186-a549-5ad69207183a",[3059],{"type":1031,"text":3060,"spans":3061,"direction":1034},"Strategie",[],{"rows":3063},[3064,3097,3125],{"key":3065,"cells":3066},"23020563-390d-4269-9d96-2de11583abeb",[3067,3076,3082,3091],{"key":3068,"type":2647,"content":3069},"81d42ec0-9395-4df3-94bd-de30fb31905b",[3070],{"type":1031,"text":3071,"spans":3072,"direction":1034},"Tagesgeld-Hopper\n\"Hannah Hopper\"",[3073,3074,3075],{"start":24,"end":2463,"type":1377},{"start":2941,"end":1752,"type":1377},{"start":1465,"end":1566,"type":1377},{"key":3077,"type":2677,"content":3078},"19f0f95f-d4b4-4359-9696-e3d3856c8fcf",[3079],{"type":1031,"text":3080,"spans":3081,"direction":1034},"16 Bankwechsel in 4 Jahren, 17 Konten eröffnet",[],{"key":3083,"type":2677,"content":3084},"b28ca701-39a7-43f5-abc2-8bba8787fb98",[3085],{"type":1031,"text":3086,"spans":3087,"direction":1034},"Wechsel bei einem Zinsvorteil von mindestens 0,5 Prozentpunkten; Orientierung am FMH-Tagesgeldvergleich",[3088],{"start":1448,"end":1427,"type":1423,"data":3089},{"id":106,"type":107,"tags":3090,"lang":13,"slug":110,"first_publication_date":111,"last_publication_date":112,"uid":113,"url":114,"link_type":43,"isBroken":45},[109],{"key":3092,"type":2677,"content":3093},"9aefd59e-6f07-448c-825a-cdffa11e6086",[3094],{"type":1031,"text":3095,"spans":3096,"direction":1034},"Nutzt konsequent attraktive Tagesgeldangebote und Neukundenkonditionen",[],{"key":3098,"cells":3099},"00b2dfa1-cb4d-4bf6-b520-16314e9bee32",[3100,3107,3113,3119],{"key":3101,"type":2647,"content":3102},"56c39935-ab43-4364-a29e-f274cd76b32d",[3103],{"type":1031,"text":3104,"spans":3105,"direction":1034},"Direktbank-Kunde\n\"Dieter Direkt\"",[3106],{"start":24,"end":2941,"type":1377},{"key":3108,"type":2677,"content":3109},"2b2e00a1-d08c-483e-a68f-1480d37f13d1",[3110],{"type":1031,"text":3111,"spans":3112,"direction":1034},"Kein Bankwechsel in 4 Jahren",[],{"key":3114,"type":2677,"content":3115},"63731bfc-adff-4d98-a214-980afb1c2878",[3116],{"type":1031,"text":3117,"spans":3118,"direction":1034},"Bleibt bei seiner Direktbank und profitiert lediglich von deren Zinsanpassungen",[],{"key":3120,"type":2677,"content":3121},"9979105c-c445-44a8-9af2-647baae1d3ed",[3122],{"type":1031,"text":3123,"spans":3124,"direction":1034},"Bequem, aber verzichtet auf bessere Angebote anderer Banken",[],{"key":3126,"cells":3127},"3c7e19fa-bf8b-4450-8aa5-129c70311c29",[3128,3135,3140,3146],{"key":3129,"type":2647,"content":3130},"504cefbb-d7ff-4103-9758-2a8258b111d2",[3131],{"type":1031,"text":3132,"spans":3133,"direction":1034},"Filialbank-Kunde\n\"Frank Filiale\"",[3134],{"start":24,"end":2463,"type":1377},{"key":3136,"type":2677,"content":3137},"26898e43-782a-45f9-9d86-75b9c2267db0",[3138],{"type":1031,"text":3111,"spans":3139,"direction":1034},[],{"key":3141,"type":2677,"content":3142},"5998eb99-e6e1-4768-8c13-570a6d1061c3",[3143],{"type":1031,"text":3144,"spans":3145,"direction":1034},"Bleibt bei seiner regionalen Filialbank; Zins wurde im Betrachtungszeitraum nur dreimal angepasst",[],{"key":3147,"type":2677,"content":3148},"30b178d5-c75b-48e1-8b6e-5eb8839e1609",[3149],{"type":1031,"text":3150,"spans":3151,"direction":1034},"Höchste Kundentreue, aber besonders geringe Nutzung attraktiverer Zinsangebote",[],"basic_table$6310457d-71e9-4fbf-9915-766699d7f586","basic_table",{"variation":1367,"version":1368,"items":3155,"primary":3156,"id":3195,"slice_type":1485,"slice_label":5},[],{"text":3157,"chart_alt":5},[3158,3161,3164,3167,3170,3173,3176,3189,3192],{"type":1382,"text":3159,"spans":3160,"direction":1034},"Wechselbereitschaft zahlt sich aus",[],{"type":1031,"text":3162,"spans":3163,"direction":1034},"Die Unterschiede bei den Zinserträgen sind eklatant.",[],{"type":1031,"text":3165,"spans":3166,"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":3168,"spans":3169,"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":3171,"spans":3172,"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":1382,"text":3174,"spans":3175,"direction":1034},"Vorsicht bei Konto-Koppelung",[],{"type":1031,"text":3177,"spans":3178,"direction":1034},"Ein Selbstläufer ist Tagesgeldhopping aber nicht. Einige Banken koppeln die attraktiven Aktionszinsen inzwischen an die Eröffnung eines Girokontos oder eines Depots.",[3179,3184],{"start":3180,"end":3181,"type":1423,"data":3182},136,146,{"id":476,"type":107,"tags":3183,"lang":13,"slug":131,"first_publication_date":478,"last_publication_date":479,"uid":480,"url":481,"link_type":43,"isBroken":45},[109],{"start":3185,"end":3186,"type":1423,"data":3187},158,164,{"id":141,"type":107,"tags":3188,"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":3190,"spans":3191,"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":3193,"spans":3194,"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":3197,"primary":3198,"id":3322,"slice_type":2786,"slice_label":5},[],{"title":3199,"textblock":3200,"table":3212,"footnotes":3321,"primary_background":45,"primary_column_background":45,"primary_row_background":1347},"Zusammenfassung",[3201],{"type":1031,"text":3202,"spans":3203,"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.",[3204,3206,3209],{"start":24,"end":3205,"type":1377},6,{"start":3207,"end":3208,"type":1377},230,267,{"start":3210,"end":3211,"type":1377},272,309,{"head":3213,"body":3253},{"rows":3214},[3215],{"key":3216,"cells":3217},"274fdecc-03a3-46c8-b1e8-e051285a12c1",[3218,3226,3231,3239,3246],{"key":3219,"type":2647,"content":3220},"aa62905e-715c-44a8-9d6f-0351f557fac3",[3221],{"type":1031,"text":3222,"spans":3223,"direction":1034},"Anlagezeitraum",[3224],{"start":24,"end":3225,"type":1377},14,{"key":3227,"type":2647,"content":3228},"bb497288-d069-4f33-8a8a-2668f731f812",[3229],{"type":1031,"text":1379,"spans":3230,"direction":1034},[],{"key":3232,"type":2647,"content":3233},"d7a96432-ccb4-4b8d-908d-a29a25302b94",[3234],{"type":1031,"text":3235,"spans":3236,"direction":1034},"Hannah 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Filialbank",[],{"key":3341,"type":2677,"content":3342},"8f76abb6-ca45-4ff7-a596-c26af315165f",[3343],{"type":1031,"text":3344,"spans":3345,"direction":1034},"5.947 €",[],{"key":3347,"cells":3348},"9c3b062d-fa11-4b96-ac04-3a9141238db2",[3349,3355],{"key":3350,"type":2677,"content":3351},"bf1e7ab4-78b4-4be9-a89b-f4675ddbf7cf",[3352],{"type":1031,"text":3353,"spans":3354,"direction":1034},"Vorteil Zinshopper gegenüber Direktbank",[],{"key":3356,"type":2677,"content":3357},"f66e7e2f-79ac-4c20-9835-29b190f90271",[3358],{"type":1031,"text":3359,"spans":3360,"direction":1034},"5.177 €",[],{"key":3362,"cells":3363},"29556961-6a12-4f62-b662-1dd9ddf2eb4e",[3364,3370],{"key":3365,"type":2677,"content":3366},"49f1082d-18a3-4bfc-9b69-60ba576ba2a7",[3367],{"type":1031,"text":3368,"spans":3369,"direction":1034},"Vorteil Direktbank gegenüber regionaler Filialbank",[],{"key":3371,"type":2677,"content":3372},"63e46b6c-2412-439e-bb85-09604a610a29",[3373],{"type":1031,"text":3374,"spans":3375,"direction":1034},"770 €",[],[],"table$48532cb7-d1de-46f3-9531-6d07572af5b1",{"variation":1367,"version":1368,"items":3379,"primary":3380,"id":3385,"slice_type":1485,"slice_label":5},[],{"text":3381,"chart_alt":5},[3382],{"type":1031,"text":3383,"spans":3384,"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.",{}]