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Mai 2009, 18:47</dd> <dd class="profile-custom-field profile-plz"><strong>Postcode:</strong> 70599</dd> <dd class="profile-custom-field profile-land"><strong>Country:</strong> Germany</dd> </dl> <div class="postbody"> <div id="post_content3298"> <h3 class="first"><a href="#p3298">Tagesgeld - Banken im Vergleich</a></h3> <ul class="post-buttons"> <li> <a href="/app.php/post/3298/report?sid=a8dec027244b8bce40e7b9046d2d9ed7" title="Diesen Beitrag melden" class="button button-icon-only"> <i class="icon fa-exclamation fa-fw" aria-hidden="true"></i><span class="sr-only">Diesen Beitrag melden</span> </a> </li> <li> <a href="./../posting.php?mode=quote&amp;p=3298&amp;sid=a8dec027244b8bce40e7b9046d2d9ed7" title="Mit Zitat antworten" class="button button-icon-only"> <i class="icon fa-quote-left fa-fw" aria-hidden="true"></i><span class="sr-only">Zitat</span> </a> </li> </ul> <p class="author"> <a class="unread" href="./../geld-anlage-f209/tagesgeld-banken-im-vergleich-t2168.html?sid=a8dec027244b8bce40e7b9046d2d9ed7#p3298" title="Beitrag"> <i class="icon fa-file fa-fw icon-lightgray icon-md" aria-hidden="true"></i><span class="sr-only">Beitrag</span> </a> <span class="responsive-hide">von <strong><a href="./../memberlist.php?mode=viewprofile&amp;u=83&amp;sid=a8dec027244b8bce40e7b9046d2d9ed7" class="username">Helios</a></strong> &raquo; </span>So 26. Mai 2013, 09:04 </p> <div class="content">Die Zinsen sind niedrig, geradezu rekordverdächtig niedrig, keine Frage. Allerdings gilt das auch für die Inflationsrate in Deutschland. Und Sparer sollten beiden Größen Beachtung schenken, denn nur der Blick allein auf die Zinsen führt zu falschen Schlüssen. Letztlich zählen nur die Nettozinsen, also Zinsen minus Inflationsrate, als Maß für den realen Ertrag vor Steuern. Bei hypothetischen 3,00 % Zinsen und 3,50 % Inflationsrate macht der Sparer unter dem Strich ein schlechtes Geschäft.<br> <strong class="text-strong"><br> Wie sieht die Netto Zins-Entwicklung in diesem und dem letzten Jahr aus? </strong><br> <br> Zwar gab es Anfang 2012 in der Spitzengruppe der Tagesgeld Anbieter noch rund 2,50 % Zinsen für den Anleger zu holen, allerdings lag auch die Inflationsrate bei rund 2,10 %. In der Zwischenzeit erfolgten 2 Senkungen der Leitzinsen durch die EZB, die Letzte zu Beginn des laufenden Monats. Als Folge davon haben alle Banken die Tagesgeld- und Festgeld-Zinsen gesenkt, viele Anbieter sogar mehrmals teilweise in nur monatlichen Abständen. Erfreulicherweise sind mit der RaboDirect und der Renault Bank direkt auch neue Anbieter in Deutschland an den Start gegangen, die sich mit den Zinsen gleich im oberen Bereich platziert haben.<br> <br> Im Mai 2013 liegen im Vergleichsrechner auf <a href="http://www.tagesgeldvergleich.com" class="postlink">http://www.tagesgeldvergleich.com</a> noch 9 von 10 Zins-Angeboten über der aktuellen Inflationsrate von 1,20 % (April 2013). Spitzenreiter ist die Renault Bank direkt mit 1,65 %. Auch die dauerhaft im Favoritenfeld zu findende MoneYou bietet noch 1,55 % Tagesgeld Zinsen ohne Einschränkungen an. Beide Banken gewähren den Zinssatz gleichermaßen für Neu- und Bestandskunden. Es handelt sich also nicht um die typischen Lockangebote. Ein Vergleich der aktuell maximal mit Tagesgeld zu erzielenden Nettorendite mit derjenigen, die Anfang 2012 möglich war, zeigt kaum Unterschiede: Vor Steuern sind es rund 0,40 %.<br> <br> <strong class="text-strong">Weitere Leitzinssenkung möglich </strong><br> <br> Mit viel Glück könnte das in den nächsten Monaten so bleiben. Allerdings stehen die Zeichen eher in Richtung weiter abnehmende Zinsen, denn für die Wirtschaft ist in 2013 kaum ein Plus beim Wachstum zu erwarten. Insbesondere die südlichen EU Ländern schwächeln, wobei sich neuerdings auch Frankreich dazu gesellt.<br> <br> Um die Finanzierung der Unternehmen in Südeuropa zu erleichtern, könnte die EZB die Leitzinsen nochmals senken. Allerdings zweifeln inzwischen viele Fachleute daran, ob eine Leitzinssenkung überhaupt die gewünschten Auswirkungen zeigt, denn bisher hat es zu keiner höheren Kreditvergabe an die Unternehmen geführt.<br> <br> Eine leichte Rezession könnte auf der anderen Seite auch die Preisentwicklung sprich Inflationsrate weiter drücken, womit sich für die Tagesgeldkonto Inhaber eine Pattsituation bei den Nettozinsen ergeben würde. Wie sich die Kaufkraft des Kapitals in Abhängigkeit von der Inflationsrate zeitlich entwickelt, kann in dem Inflationsrechner auf <a href="http://www.tagesgeldvergleich.com/inflation-inflationsrate" class="postlink">http://www.tagesgeldvergleich.com/infla ... ationsrate</a> für individuelle Beträge ermittelt werden.<br> <br> Als Ausblick, für den Tagesgeld Vergleich sieht, es für die nächsten Monate bis zum Jahresende nicht nach Zinsen über 1,5 % aus. (Quelle: pressetext)<br> <br> <br> Der große Bankentest:<br> <a href="http://www.focus.de/finanzen/banken/bankentest-wie-fair-ist-ihre-bank_aid_396652.html" class="postlink">http://www.focus.de/finanzen/banken/ban ... 96652.html</a></div> </div> </div> </div> <div class="back2top"> <a href="#top" class="top" title="Nach oben"> <i class="icon fa-chevron-circle-up fa-fw icon-gray" aria-hidden="true"></i> <span class="sr-only">Nach oben</span> </a> </div> </div> <div class="action-bar bar-bottom"> <a href="./../posting.php?mode=reply&amp;t=2168&amp;sid=a8dec027244b8bce40e7b9046d2d9ed7" class="button" title="Antwort erstellen"> <span>Antworten</span> <i class="icon fa-reply fa-fw" aria-hidden="true"></i> </a> <div class="dropdown-container dropdown-button-control topic-tools"> <span title="Themen-Optionen" class="button button-secondary dropdown-trigger dropdown-select"> <i class="icon fa-wrench fa-fw" aria-hidden="true"></i> <span class="caret"><i class="icon fa-sort-down fa-fw" aria-hidden="true"></i></span> </span> <div class="dropdown"> <div class="pointer"><div class="pointer-inner"></div></div> <ul class="dropdown-contents"> <li> <a href="./../viewtopic.php?t=2168&amp;sid=a8dec027244b8bce40e7b9046d2d9ed7&amp;view=print" title="Druckansicht" accesskey="p"> <i class="icon fa-print fa-fw" aria-hidden="true"></i><span>Druckansicht</span> </a> </li> </ul> </div> </div> <div class="pagination"> 1 Beitrag &bull; 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