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</nav> </nav> </div> </header> <div class="row"> <div class="col-md-12 tp_breadcrumb subnavi"> </div> </div> <div class="row"> <div id="TEL_D_Stage-label" style="display: none;" class="ad-label" >Anzeige</div> <div id="TEL_D_Stage" class="ad ad--stage" ></div> </div> </div> </div> </div> <div class="row tp_content"> <main class="col-md-8"> <h1> Finanzen </h1> <div class="tp_beitragsliste"> <article class="news row"> <a href="/features/Vorabpauschale-2025-Was-Fondsanleger-jetzt-wissen-muessen-10178600.html" name="rubrikstart.tp.anrissliste.1" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="7790" height="4376" src="/imgs/18/4/7/5/2/3/2/3/shutterstock_2473124043-89b943770583c370.jpeg" alt="Das Finanzdiagramm zeigte einen deutlichen Anstieg der Kursgewinne von Fonds, die mit der Vorabpauschale besteuert werden." style="aspect-ratio: 7790 / 4376;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="7790" height="4376" alt="Das Finanzdiagramm zeigte einen deutlichen Anstieg der Kursgewinne von Fonds, die mit der Vorabpauschale besteuert werden." style="aspect-ratio: 7790 / 4376; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/7790/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/7/5/2/3/2/3/shutterstock_2473124043-89b943770583c370.jpeg" srcset="https://heise.cloudimg.io/width/15580/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/7/5/2/3/2/3/shutterstock_2473124043-89b943770583c370.jpeg 2x" alt="Das Finanzdiagramm zeigte einen deutlichen Anstieg der Kursgewinne von Fonds, die mit der Vorabpauschale besteuert werden." style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Vorabpauschale 2025: Was Fondsanleger jetzt wissen müssen</header> <p>Ab 2025 werden Fondssparer wieder mit der Vorabpauschale konfrontiert. Es handelt sich um einen fiktiven Ertrag, der immer anfällt. Was bedeutet das?</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>gestern, 15:00 Uhr</time> </li> <li class="has-comment " data-bid="4752323"> <span class="count comment_count">21</span> </li> </ul> </section> </a> </article>  <div id="TEL_M_Incontent-1-label" style="display: none;" class="ad-label" >Anzeige</div> <a-paternoster height="360" media="(min-width: 320px) and (max-width: 767px)" class="a-paternoster-ad"> <div id="TEL_M_Incontent-1" class="" ></div> </a-paternoster>  <article class="news row"> <a href="/features/Aktienfonds-Anleger-zwischen-Russland-Angst-und-Zins-Frust-10102174.html" name="rubrikstart.tp.anrissliste.2" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="3109" height="1747" src="/imgs/18/4/7/3/4/7/2/1/shutterstock_2234156181__1_-b2bdb71a0e783b2b.jpeg" alt="Durch die geopolitischen Spannungen wird weniger Geld in Fonds angelegt. Symbolisch dargestellt in einer sinkenden Kurve." style="aspect-ratio: 3109 / 1747;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="3109" height="1747" alt="Durch die geopolitischen Spannungen wird weniger Geld in Fonds angelegt. Symbolisch dargestellt in einer sinkenden Kurve." style="aspect-ratio: 3109 / 1747; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/3109/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/7/3/4/7/2/1/shutterstock_2234156181__1_-b2bdb71a0e783b2b.jpeg" srcset="https://heise.cloudimg.io/width/6218/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/7/3/4/7/2/1/shutterstock_2234156181__1_-b2bdb71a0e783b2b.jpeg 2x" alt="Durch die geopolitischen Spannungen wird weniger Geld in Fonds angelegt. Symbolisch dargestellt in einer sinkenden Kurve." style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Aktienfonds: Anleger zwischen Russland-Angst und Zins-Frust</header> <p>Anleger haben in dieser Woche deutlich weniger in globale Aktienfonds investiert. Die Zuflüsse sanken von über 49 auf nur noch knapp acht Milliarden Dollar.</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>22. November 2024, 13:00 Uhr</time> </li> <li class="has-comment " data-bid="4734721"> <span class="count comment_count">4</span> </li> </ul> </section> </a> </article> <article class="news row"> <a href="/features/Bitcoin-Hype-Trump-Effekt-treibt-Kurs-auf-80-000-Dollar-10013832.html" name="rubrikstart.tp.anrissliste.3" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="1500" height="843" src="/imgs/18/4/7/0/6/5/1/3/shutterstock_2489218739-952bc890e7e44e40-10440c184d0e403b.jpeg" alt="Schematische Darstellung des Bitcoins mit Logo dieser Kryptowährung" style="aspect-ratio: 1500 / 843;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="1500" height="843" alt="Schematische Darstellung des Bitcoins mit Logo dieser Kryptowährung" style="aspect-ratio: 1500 / 843; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/1500/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/7/0/6/5/1/3/shutterstock_2489218739-952bc890e7e44e40-10440c184d0e403b.jpeg" srcset="https://heise.cloudimg.io/width/3000/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/7/0/6/5/1/3/shutterstock_2489218739-952bc890e7e44e40-10440c184d0e403b.jpeg 2x" alt="Schematische Darstellung des Bitcoins mit Logo dieser Kryptowährung" style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Bitcoin-Hype: Trump-Effekt treibt Kurs auf 80.000 Dollar</header> <p>Bitcoin-Kurs nähert sich 80.000-Dollar-Marke. Trumps Wahlsieg als treibende Kraft. Doch was seine Pläne für die Kryptowelt wirklich bedeuten, ist brisant.</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Christian Kliver</li> <li class="date"> <time>10. November 2024, 18:00 Uhr</time> </li> <li class="has-comment " data-bid="4706513"> <span class="count comment_count">7</span> </li> </ul> </section> </a> </article> <article class="news row"> <a href="/features/Wer-mehr-liest-verdient-mehr-Geld-10011724.html" name="rubrikstart.tp.anrissliste.4" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="6983" height="3924" src="/imgs/18/4/7/0/5/0/6/2/shutterstock_2472677939-223d4404168f58fd.jpeg" alt="Eine Frau liest am Bildschirm in ihrem Büro." style="aspect-ratio: 6983 / 3924;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="6983" height="3924" alt="Eine Frau liest am Bildschirm in ihrem Büro." style="aspect-ratio: 6983 / 3924; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/6983/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/7/0/5/0/6/2/shutterstock_2472677939-223d4404168f58fd.jpeg" srcset="https://heise.cloudimg.io/width/13966/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/7/0/5/0/6/2/shutterstock_2472677939-223d4404168f58fd.jpeg 2x" alt="Eine Frau liest am Bildschirm in ihrem Büro." style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Wer mehr liest, verdient mehr Geld?</header> <p>Eine Studie zeigt: Unternehmen, in denen mehr gelesen wird als in anderen, erzielen höhere Renditen. Doch ab einer bestimmten Größe droht Koordinationschaos.</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>08. November 2024, 17:00 Uhr</time> </li> <li class="has-comment " data-bid="4705062"> <span class="count comment_count">6</span> </li> </ul> </section> </a> </article> <article class="news row"> <a href="/features/Zukunft-der-Rente-bei-Neuwahlen-nach-Ampel-Aus-Was-wird-aus-der-privaten-Altersvorsorge-10008433.html" name="rubrikstart.tp.anrissliste.5" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="1254" height="704" src="/imgs/18/4/7/0/3/5/9/6/old-people-1553348_1280-e291c6dcceb997d9.jpeg" alt="Symbolbild: Altes Ehepaar und Euro-Münzen" style="aspect-ratio: 1254 / 704;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="1254" height="704" alt="Symbolbild: Altes Ehepaar und Euro-Münzen" style="aspect-ratio: 1254 / 704; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/1254/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/7/0/3/5/9/6/old-people-1553348_1280-e291c6dcceb997d9.jpeg" srcset="https://heise.cloudimg.io/width/2508/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/7/0/3/5/9/6/old-people-1553348_1280-e291c6dcceb997d9.jpeg 2x" alt="Symbolbild: Altes Ehepaar und Euro-Münzen" style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Zukunft der Rente bei Neuwahlen nach Ampel-Aus: Was wird aus der privaten Altersvorsorge?</header> <p>Die geplante Riester-Rentenreform wird sich mindestens verzögern. Sie könnte aber auch ganz verworfen werden. Welche Szenarien jetzt denkbar sind.</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Nina Franke</li> <li class="date"> <time>07. November 2024, 14:30 Uhr</time> </li> <li class="has-comment " data-bid="4703596"> <span class="count comment_count">23</span> </li> </ul> </section> </a> </article> <article class="news row"> <a href="/features/Altersvorsorge-Depot-Lindners-Plan-benachteiligt-Familien-mit-geringem-Einkommen-10002726.html" name="rubrikstart.tp.anrissliste.6" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="6016" height="3380" src="/imgs/18/4/7/0/0/4/6/3/shutterstock_2249685835-6422e7a1275adb16.jpeg" alt="Das Altersvorsorge-Depot ist zum Nachteil von Geringverdienern mit Kindern." style="aspect-ratio: 6016 / 3380;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="6016" height="3380" alt="Das Altersvorsorge-Depot ist zum Nachteil von Geringverdienern mit Kindern." style="aspect-ratio: 6016 / 3380; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/6016/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/7/0/0/4/6/3/shutterstock_2249685835-6422e7a1275adb16.jpeg" srcset="https://heise.cloudimg.io/width/12032/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/7/0/0/4/6/3/shutterstock_2249685835-6422e7a1275adb16.jpeg 2x" alt="Das Altersvorsorge-Depot ist zum Nachteil von Geringverdienern mit Kindern." style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Altersvorsorge-Depot: Lindners Plan benachteiligt Familien mit geringem Einkommen</header> <p>Lindners Altersvorsorge-Depot soll die Riester-Rente ablösen. Doch für Familien mit wenig Geld könnte die Reform zum finanziellen Nachteil werden.</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>04. November 2024, 11:00 Uhr</time> </li> <li class="has-comment " data-bid="4700463"> <span class="count comment_count">80</span> </li> </ul> </section> </a> </article> <article class="news row"> <a href="/features/Goldminen-ETFs-Analysten-sehen-deutliches-Aufwaertspotenzial-10001836.html" name="rubrikstart.tp.anrissliste.7" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="5317" height="2988" src="/imgs/18/4/7/0/0/0/1/3/shutterstock_2497425091-b94c8b49051fc929.jpeg" alt="Goldbarren sind genauso eine Geldanlage wie Goldminen-ETFs." style="aspect-ratio: 5317 / 2988;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="5317" height="2988" alt="Goldbarren sind genauso eine Geldanlage wie Goldminen-ETFs." style="aspect-ratio: 5317 / 2988; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/5317/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/7/0/0/0/1/3/shutterstock_2497425091-b94c8b49051fc929.jpeg" srcset="https://heise.cloudimg.io/width/10634/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/7/0/0/0/1/3/shutterstock_2497425091-b94c8b49051fc929.jpeg 2x" alt="Goldbarren sind genauso eine Geldanlage wie Goldminen-ETFs." style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Goldminen-ETFs: Analysten sehen deutliches Aufwärtspotenzial</header> <p>Nach Rekordpreisen für Gold sehen Analysten nun Goldminen-ETFs im Vorteil. Unternehmen haben ihre Hausaufgaben gemacht und scheinen unterbewertet.</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>01. November 2024, 14:30 Uhr</time> </li> <li class="has-comment " data-bid="4700013"> <span class="count comment_count">12</span> </li> </ul> </section> </a> </article> <div id="TEL_D_Incontent-2-label" style="display: none;" class="ad-label" >Anzeige</div> <div id="TEL_D_Incontent-2" class="ad ad--content" ></div> <div id="TEL_M_Incontent-2-label" style="display: none;" class="ad-label" >Anzeige</div> <div id="TEL_M_Incontent-2" class="ad ad--content" ></div> <article class="news row"> <a href="/features/KI-ETFs-Der-neue-Goldrausch-an-der-Boerse-9997050.html" name="rubrikstart.tp.anrissliste.8" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="5396" height="3032" src="/imgs/18/4/6/9/7/5/3/6/ki-investment-boersenkurse-wachstum-artificial-intelligence-2024-a97bd71d11a4843e.jpeg" alt="KI-Investments und steigende Börsenkurse: Geschäftsmann analysiert künstliche Intelligenz Wachstumspotenzial" style="aspect-ratio: 5396 / 3032;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="5396" height="3032" alt="KI-Investments und steigende Börsenkurse: Geschäftsmann analysiert künstliche Intelligenz Wachstumspotenzial" style="aspect-ratio: 5396 / 3032; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/5396/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/6/9/7/5/3/6/ki-investment-boersenkurse-wachstum-artificial-intelligence-2024-a97bd71d11a4843e.jpeg" srcset="https://heise.cloudimg.io/width/10792/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/6/9/7/5/3/6/ki-investment-boersenkurse-wachstum-artificial-intelligence-2024-a97bd71d11a4843e.jpeg 2x" alt="KI-Investments und steigende Börsenkurse: Geschäftsmann analysiert künstliche Intelligenz Wachstumspotenzial" style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">KI-ETFs: Der neue Goldrausch an der Börse?</header> <p>KI-ETFs boomen: Dutzende neue Fonds wollen Anlegern Zugang zum Megatrend Künstliche Intelligenz bieten. Auch Schwergewichte wie BlackRock sind dabei.</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>29. Oktober 2024, 15:00 Uhr</time> </li> <li class="has-comment " data-bid="4697536"> <span class="count comment_count">4</span> </li> </ul> </section> </a> </article> <article class="news row"> <a href="/features/Aktien-statt-Sparbuch-Der-deutsche-Anleger-wird-mutig-9996899.html" name="rubrikstart.tp.anrissliste.9" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="7360" height="4135" src="/imgs/18/4/6/9/7/4/5/8/geldanlage-wertpapiere-aktien-deutschland-ba2fae725d9ba432.jpeg" alt="Börsenkursdiagramme mit Preisen im Hintergrund von Hochhäusern." style="aspect-ratio: 7360 / 4135;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="7360" height="4135" alt="Börsenkursdiagramme mit Preisen im Hintergrund von Hochhäusern." style="aspect-ratio: 7360 / 4135; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/7360/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/6/9/7/4/5/8/geldanlage-wertpapiere-aktien-deutschland-ba2fae725d9ba432.jpeg" srcset="https://heise.cloudimg.io/width/14720/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/6/9/7/4/5/8/geldanlage-wertpapiere-aktien-deutschland-ba2fae725d9ba432.jpeg 2x" alt="Börsenkursdiagramme mit Preisen im Hintergrund von Hochhäusern." style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Aktien statt Sparbuch: Der deutsche Anleger wird mutig</header> <p>Eine aktuelle Umfrage der Postbank verdeutlicht: Das Vertrauen in Aktien, Fonds und ETFs wächst. Doch wie lässt sich das Anlagerisiko begrenzen?</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>29. Oktober 2024, 07:00 Uhr</time> </li> <li class="has-comment " data-bid="4697458"> <span class="count comment_count">21</span> </li> </ul> </section> </a> </article> <article class="news row"> <a href="/features/Altersvorsorge-Depot-Bis-zu-1-200-Euro-mehr-Rente-im-Monat-moeglich-9993760.html" name="rubrikstart.tp.anrissliste.10" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="6000" height="3371" src="/imgs/18/4/6/9/5/8/4/7/altersvorsorge-depot-rendite-zinsen-2026-59426c7be23a6e87.jpeg" alt="Steigende Zinsen und Renditen beim Altersvorsorge-Depot durch Aktien und ETFs" style="aspect-ratio: 6000 / 3371;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="6000" height="3371" alt="Steigende Zinsen und Renditen beim Altersvorsorge-Depot durch Aktien und ETFs" style="aspect-ratio: 6000 / 3371; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/6000/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/6/9/5/8/4/7/altersvorsorge-depot-rendite-zinsen-2026-59426c7be23a6e87.jpeg" srcset="https://heise.cloudimg.io/width/12000/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/6/9/5/8/4/7/altersvorsorge-depot-rendite-zinsen-2026-59426c7be23a6e87.jpeg 2x" alt="Steigende Zinsen und Renditen beim Altersvorsorge-Depot durch Aktien und ETFs" style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Altersvorsorge-Depot: Bis zu 1.200 Euro mehr Rente im Monat möglich</header> <p>Ab 2026 soll das Altersvorsorge-Depot starten. Aktien und ETFs werden dann staatlich gefördert. Für wen lohnt sich das besonders?</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>25. Oktober 2024, 07:00 Uhr</time> </li> <li class="has-comment " data-bid="4695847"> <span class="count comment_count">38</span> </li> </ul> </section> </a> </article> <article class="news row"> <a href="/features/Altersvorsorge-Depot-BSW-fordert-mehr-Wahlfreiheit-durch-strukturierte-Wertpapiere-9993125.html" name="rubrikstart.tp.anrissliste.11" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="6352" height="3568" src="/imgs/18/4/6/9/5/5/0/0/altersvorsorge-depot-geldanlage-investment-sparen-muenzen-81470fb7771e3889.jpeg" alt="Privates Altersvorsorge-Depot soll um weitere Wertpapierklassen erweitert werden." style="aspect-ratio: 6352 / 3568;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="6352" height="3568" alt="Privates Altersvorsorge-Depot soll um weitere Wertpapierklassen erweitert werden." style="aspect-ratio: 6352 / 3568; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/6352/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/6/9/5/5/0/0/altersvorsorge-depot-geldanlage-investment-sparen-muenzen-81470fb7771e3889.jpeg" srcset="https://heise.cloudimg.io/width/12704/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/6/9/5/5/0/0/altersvorsorge-depot-geldanlage-investment-sparen-muenzen-81470fb7771e3889.jpeg 2x" alt="Privates Altersvorsorge-Depot soll um weitere Wertpapierklassen erweitert werden." style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Altersvorsorge-Depot: BSW fordert mehr Wahlfreiheit durch strukturierte Wertpapiere</header> <p>Der BSW befürwortet die geplante Reform der privaten Altersvorsorge. Er fordert jedoch, das Anlageuniversum zu erweitern.</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>24. Oktober 2024, 13:30 Uhr</time> </li> <li class="has-comment " data-bid="4695500"> <span class="count comment_count">23</span> </li> </ul> </section> </a> </article> <article class="news row"> <a href="/features/Kritik-am-Altersvorsorge-Depot-Experte-sieht-Bevorzugung-von-Lebensversicherern-9986969.html" name="rubrikstart.tp.anrissliste.12" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="5184" height="2913" src="/imgs/18/4/6/9/2/2/5/2/altersvorsorge-depot-rendite-kritik-muenzen-wachstum-2fb27703e7897143.jpeg" alt="Altersvorsorge-Depot: Münzsack mit wachsendem Pflänzchen symbolisiert Rendite und Kritik" style="aspect-ratio: 5184 / 2913;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="5184" height="2913" alt="Altersvorsorge-Depot: Münzsack mit wachsendem Pflänzchen symbolisiert Rendite und Kritik" style="aspect-ratio: 5184 / 2913; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/5184/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/6/9/2/2/5/2/altersvorsorge-depot-rendite-kritik-muenzen-wachstum-2fb27703e7897143.jpeg" srcset="https://heise.cloudimg.io/width/10368/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/6/9/2/2/5/2/altersvorsorge-depot-rendite-kritik-muenzen-wachstum-2fb27703e7897143.jpeg 2x" alt="Altersvorsorge-Depot: Münzsack mit wachsendem Pflänzchen symbolisiert Rendite und Kritik" style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Kritik am Altersvorsorge-Depot: Experte sieht Bevorzugung von Lebensversicherern</header> <p>Lindners Altersvorsorge-Depot erntet Kritik. Experte sieht Nachteile für Fonds und ETFs. Stattdessen könnten Lebensversicherer profitieren – aber warum?</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>19. Oktober 2024, 07:00 Uhr</time> </li> <li class="has-comment " data-bid="4692252"> <span class="count comment_count">30</span> </li> </ul> </section> </a> </article> <article class="news row"> <a href="/features/Studie-zeigt-Mangelnde-Finanzbildung-bremst-private-Altersvorsorge-9983952.html" name="rubrikstart.tp.anrissliste.13" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="5340" height="3000" src="/imgs/18/4/6/9/0/6/1/9/shutterstock_2502209865-e32b006ca1125a1b.jpeg" alt="Börsencharts oder Forex-Trading-Charts für Geschäfts- und Finanzideen" style="aspect-ratio: 5340 / 3000;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="5340" height="3000" alt="Börsencharts oder Forex-Trading-Charts für Geschäfts- und Finanzideen" style="aspect-ratio: 5340 / 3000; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/5340/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/6/9/0/6/1/9/shutterstock_2502209865-e32b006ca1125a1b.jpeg" srcset="https://heise.cloudimg.io/width/10680/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/6/9/0/6/1/9/shutterstock_2502209865-e32b006ca1125a1b.jpeg 2x" alt="Börsencharts oder Forex-Trading-Charts für Geschäfts- und Finanzideen" style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Studie zeigt: Mangelnde Finanzbildung bremst private Altersvorsorge</header> <p>Deutsche offen für Aktien-Rente. Doch nur 17 Prozent nutzen tatsächlich Aktien zur Vorsorge. Warum zögert die Mehrheit trotz positiver Einstellung?</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>17. Oktober 2024, 09:30 Uhr</time> </li> <li class="has-comment " data-bid="4690619"> <span class="count comment_count">80</span> </li> </ul> </section> </a> </article> <article class="news row"> <a href="/features/Altersvorsorge-Depot-Erben-Sie-oder-die-Versicherer-9982650.html" name="rubrikstart.tp.anrissliste.14" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="7149" height="4016" src="/imgs/18/4/6/8/9/9/1/3/shutterstock_1458676148-058a0675893a2c53.jpeg" alt="Sparen für Pensions- und Pensionsfonds" style="aspect-ratio: 7149 / 4016;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="7149" height="4016" alt="Sparen für Pensions- und Pensionsfonds" style="aspect-ratio: 7149 / 4016; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/7149/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/6/8/9/9/1/3/shutterstock_1458676148-058a0675893a2c53.jpeg" srcset="https://heise.cloudimg.io/width/14298/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/6/8/9/9/1/3/shutterstock_1458676148-058a0675893a2c53.jpeg 2x" alt="Sparen für Pensions- und Pensionsfonds" style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Altersvorsorge-Depot: Erben Sie oder die Versicherer?</header> <p>Das Altersvorsorge-Depot soll Riesterrente ersetzen. Vererbbarkeit hängt von der gewählten Auszahlungsoption ab. Doch wer profitiert am Ende wirklich?</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>16. Oktober 2024, 09:30 Uhr</time> </li> <li class="has-comment " data-bid="4689913"> <span class="count comment_count">22</span> </li> </ul> </section> </a> </article> <article class="news row"> <a href="/features/Altersvorsorge-Depot-Bis-zu-600-Euro-jaehrlich-vom-Staat-fuer-Aktien-und-ETF-Investments-9980303.html" name="rubrikstart.tp.anrissliste.15" > <figure class="tpteaser_figure col-sm-4 col-md-4"> <a-img width="6922" height="3889" src="/imgs/18/4/6/8/8/6/8/3/altersvorsorge-depot-01-bc983474e9ffe7c0.jpeg" alt="Miniaturfiguren von Senioren, die auf gestapelten Münzen stehen - Symbol für die Rente mit dem Altersvorsorge-Depot" style="aspect-ratio: 6922 / 3889;" > <img src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='696px' height='391px' viewBox='0 0 696 391'%3E%3Crect x='0' y='0' width='696' height='391' fill='%23f2f2f2'%3E%3C/rect%3E%3C/svg%3E" width="6922" height="3889" alt="Miniaturfiguren von Senioren, die auf gestapelten Münzen stehen - Symbol für die Rente mit dem Altersvorsorge-Depot" style="aspect-ratio: 6922 / 3889; object-fit: cover;" > </a-img> <noscript> <img src="https://heise.cloudimg.io/width/6922/q50.png-lossy-50.webp-lossy-50.foil1/_www-heise-de_/imgs/18/4/6/8/8/6/8/3/altersvorsorge-depot-01-bc983474e9ffe7c0.jpeg" srcset="https://heise.cloudimg.io/width/13844/q30.png-lossy-30.webp-lossy-30.foil1/_www-heise-de_/imgs/18/4/6/8/8/6/8/3/altersvorsorge-depot-01-bc983474e9ffe7c0.jpeg 2x" alt="Miniaturfiguren von Senioren, die auf gestapelten Münzen stehen - Symbol für die Rente mit dem Altersvorsorge-Depot" style="width:100%;" > </noscript> </figure> <section class="tpteaser_figcaption col-sm-8 col-md-8"> <header class="tp_title">Altersvorsorge-Depot: Bis zu 600 Euro jährlich vom Staat für Aktien- und ETF-Investments</header> <p>Das Altersvorsorge-Depot soll 2026 starten. Aktien und ETFs werden staatlich gefördert. Was Sparer wissen müssen.</p> <ul class="beitrag_icons list-unstyled list-inline"> <li class="has-author">Bernd Müller</li> <li class="date"> <time>14. 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