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.col:last-of-type{padding-right:0}#verticalHealth .footeraccordion h2{border-color:#4657a1} </style> <script> window.articleListCategory={category: []} window.showMoreArticles = '1'; </script> </head> <script type="text/javascript" id="pageLevelData"> var pageLevelDatalayer = {"AuthorName":"Admin","authorId":"64","AuthorRole":"Administrator","PrimaryCategory":"forbes","SecondaryCategory":"","TertiaryCategory":"","PublishedDate":"November 4, 2019","UpdatedDate":"Oct 25, 2023, 4:43pm","TemplateName":"Home","partnersOnPage":"","shortcodesOnPage":null,"RA_Feed":"0"} </script><body class="home page-template page-template-views page-template-page-home-blade page-template-viewspage-home-blade-php page page-id-5003" id="verticalGermany" data-mktp-page='{"authorName":"Admin","authorType":"Administrator","primaryCategory":"forbes","secondaryCategory":"","tertiaryCategory":"","publishedDate":"November 4, 2019","updatedDate":"Oct 25, 2023, 4:43pm","templateName":"Home","deviceId":"","partnersOnPage":"","shortCodesOnPage":"","marketplaceSessionId":""}'> <div id="header-root-vue"> <div v-show="showRegionSelector" class="region-selector-mobile fixed z-50 h-screen w-full md:hidden hidden" > <div class="mobile-region-selector-wrap w-full"> <div class="bg-white p-6 mx-5 rounded-5px mob-region-sel-holder" v-click-outside="closeRegionSelector"> <div class="text-333333 font-euclidcircularb-bold pb-3 border-b-1 border-light text-20px flex"> <div>Select Region</div> </div> <div> <ul> <li class="mt-6 flex region-item items-center " :class="{'active': currentRegion === 'advisor_usa'}" @click="currentRegion='advisor_usa'" > <div class="mr-26px"> <div class="radio-outer"> <div class="radio-inner"></div> </div> </div> <div class="flex items-center"> <img src="https://www.forbes.com/advisor/de/wp-content/themes/fadvuk/assets/images/usa-icon.svg" loading="lazy" alt="advisor_usa" class="w-6 h-4 mr-15px "/> <span 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kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ki-coins/">KI Coins (AI Coins)</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/krypto-etns-vergleich/">Vergleich Krypto-ETFs</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-etns/">Bitcoin-ETFs im Vergleich</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/etfs/bester-blockchain-etf/">Blockchain-ETFs im Vergleich</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kryptowaehrung-steuer/">Steuer auf Kryptowährungen 2023: Was Du wissen musst</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/krypto-prognose-2023/">Krypto Prognose für 2023: Steigt der Bitcoin-Kurs wieder?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kryptowaehrungs-glossar/">Kryptowährungs-Glossar der Begriffe und Akronyme</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-hot-wallet/">Was ist ein Hot Wallet?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-cold-wallet/">Was sind Cold Wallets?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-hardware-wallets/">Die besten Hardware-Wallets 2023</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-iota/">Was ist Iota (MIOTA) ? Wie funktioniert es?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/top-10-kryptowaehrungen/">Die Top-10-Kryptowährungen im September 2023</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/neue-kryptos-2023/">Neue Kryptowährungen 2023: Was Du wissen solltest</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-altcoins/">Die besten Altcoins 2022</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ausverkauf-am-kryptomarkt/">Update: Ausverkauf am Kryptomarkt: Lohnt jetzt ein Einstieg?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-blockchain/">Was ist Blockchain?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-vs-etherium/">Ethereum vs Bitcoin: Ein Vergleich der beiden Coins</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/fussball-und-kryptowaehrung/">Was hat es mit Fußball und Krypto auf sich?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-defi-dezentralisierte-finanzen/">Was ist DeFi? Dezentralisierte Finanzen verstehen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-mining-software/">Beste Bitcoin-Mining-Software 2022</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/kryptowaehrungen/stablecoins/">Was sind Stablecoins?</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Krypto Handel </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/krypto-boersen-vergleich/">Die beste Krypto-Börse in Deutschland: Krypto-Börsen-Vergleich</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-krypto-apps-vergleich/">Beste Krypto-Apps</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/beste-online-wallets/">Die besten Online Wallets für Kryptowährungen</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Erfahrungsberichte </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/boerse-stuttgart-digital-exchange-bsdex-erfahrung/">BSDEX Erfahrung 2022: Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bison-erfahrung/">Bison Erfahrungen: Der Krypto-Broker im Test</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/binance-erfahrung/">Binance Erfahrung 2022: Vor-und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/coinbase-erfahrung/">Coinbase Erfahrung 2022: Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/crypto-com-erfahrungen/">Crypto.com Erfahrung 2022 – Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kraken-erfahrung/">Kraken Erfahrung 2022: Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitpanda-erfahrung/">Bitpanda Erfahrung 2022: Vor- und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitvavo-erfahrungen/">Bitvavo Erfahrungen 2022 – Vorteile und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/kucoin-erfahrung/">Kucoin Erfahrungen 2023 - Vorteile und Nachteile</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/etoro-vs-coinbase/">Etoro versus Coinbase: Was ist besser?</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Bitcoin (BTC) </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-bitcoin/">Was ist Bitcoin (BTC) und wie funktioniert’s?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen/">Bitcoin (BTC) kaufen: So geht’s einfach in 4 Schritten</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen-mit-kreditkarte/">Bitcoin mit Kreditkarte kaufen: So geht es!</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen-mit-paypal/">Bitcoin (BTC) kaufen mit PayPal – so gehts</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-eine-bitcoin-wallet/">Was ist ein Bitcoin-Wallet?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kaufen-bei-etoro/">Bitcoin bei Etoro kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-kurs-heute/">Bitcoin-Kurs heute</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Ethereum (ETH) </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-ethereum-und-wie-funktioniert-es/">Was ist Ethereum und wie funktioniert es?</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/ethereum-kaufen/">Ethereum (ETH) kaufen: So geht’s!</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/was-ist-ethereum-2/">Was ist Ethereum 2.0? 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href="https://www.forbes.com/advisor/de/geldanlage/krypto/dogecoin-kaufen/">Dogecoin (DOGE) kaufen: So geht es</a> </div> </div> </li> <li class="sub-menu-item"> <div class="accordian-wrapper " > <div class="accordian-title sub-menu-title" v-on:click="toggleFaq" > Krypto Kaufratgeber </div> <div class="accordian-menu answer hidden " > <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/apecoin-kaufen/">Apecoin (APE) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/avalanche-kaufen/">Avalanche (AVAX) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/bitcoin-cash-kaufen/">Bitcoin Cash (BCH) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/binance-coin-kaufen/">Binance Coin (BNB) kaufen</a> <a class="xl:hover:underline" href="https://www.forbes.com/advisor/de/geldanlage/krypto/cardano-kaufen/">Cardano (ADA) 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Unser Team aus erfahrenen Journalisten erklärt, wie Du den passenden Anbieter oder Vertrag für Dich findest.</p> </div> <div class="relative cursor-pointer slide-content py-30px px-5 text-white bg-secondary lg:bg-white lg:text-gray-500 text-center lg:text-left lg:rounded-md" :class="{active: highlightSliderState.sliderCurrentSlide === 2}" v-on:mouseover="showHighlightSlideIllustration(2)" v-on:mouseleave="restartHighlightSliderAnimation" > <h3 class="text-lg font-euclidcircularb-semibold pb-5 lg:pb-14px">Das beste Angebot finden</h3> <p class="text-base font-serif leading-8">Wir arbeiten mit den Daten einer Reihe von Finanzdienstleistern und Energieversorgern und zeigen die Angebote, die unsere Kriterien erfüllen – also besonders verbraucherfreundlich sind. </p> </div> <div class="relative cursor-pointer slide-content py-30px px-5 text-white bg-secondary lg:bg-white lg:text-gray-500 text-center lg:text-left lg:rounded-md" :class="{active: highlightSliderState.sliderCurrentSlide === 3}" v-on:mouseover="showHighlightSlideIllustration(3)" v-on:mouseleave="restartHighlightSliderAnimation" > <h3 class="text-lg font-euclidcircularb-semibold pb-5 lg:pb-14px">Kein Geld verschwenden</h3> <p class="text-base font-serif leading-8">Dein hart verdientes Geld soll jetzt für Dich arbeiten. Wir helfen Dir, dass Du Entscheidungen rund um Dein Geld ganz bewusst und informiert treffen kannst.</p> </div> </div> <div class="slide-content-wrapper relative lg:hidden"> <div class="flex slide-content-mobile"> <div class="active relative cursor-pointer slide-content py-30px px-5 text-white bg-secondary lg:bg-white lg:text-gray-500 text-center lg:text-left lg:rounded-md"> <h3 class="text-lg font-euclidcircularb-bold pb-19px md:pb-14px">Den Markt verstehen</h3> <p class="text-base font-serif leading-8">Wenn es um Deine Finanzen geht, ist unabhängiger, verständlicher Rat gefragt. Unser Team aus erfahrenen Journalisten erklärt, wie Du den passenden Anbieter oder Vertrag für Dich findest.</p> </div> <div class="active relative cursor-pointer slide-content py-30px px-5 text-white bg-secondary lg:bg-white lg:text-gray-500 text-center lg:text-left lg:rounded-md"> <h3 class="text-lg font-euclidcircularb-bold pb-19px md:pb-14px">Das beste Angebot finden</h3> <p class="text-base font-serif leading-8">Wir arbeiten mit den Daten einer Reihe von Finanzdienstleistern und Energieversorgern und zeigen die Angebote, die unsere Kriterien erfüllen – also besonders verbraucherfreundlich sind. </p> </div> <div class="active relative cursor-pointer slide-content py-30px px-5 text-white bg-secondary lg:bg-white lg:text-gray-500 text-center lg:text-left lg:rounded-md"> <h3 class="text-lg font-euclidcircularb-bold pb-19px md:pb-14px">Kein Geld verschwenden</h3> <p class="text-base font-serif leading-8">Dein hart verdientes Geld soll jetzt für Dich arbeiten. Wir helfen Dir, dass Du Entscheidungen rund um Dein Geld ganz bewusst und informiert treffen kannst.</p> </div> </div> </div> </div> </div> </section> <section id="testimonial-section" class="bg-white mb-60px md:mb-70px" data-mktp-container='{"componentTitle":"Aus der Redaktion","componentType":"Quote"}'> <div class="max-w-1170px p-5 pb-42px md:pb-60px mx-auto"> <p class="text-25px text-333333 pb-34px font-euclidcircularb-bold">Aus der Redaktion</p> <div class="flex flex-wrap md:flex-no-wrap"> <div class="flex pb-34px md:flex-1"> <div class="quote-wrapper flex items-start"> <span class="left-quote quote flex h-75px min-w-50px"></span> </div> <div class="text-base md:text-25px text-333333 md:text-777777 leading-30px px-3 md:px-30px font-serif quote-text"> Egal ob Bank, Versicherung oder Handytarif: Wenn es um Deine persönlichen Finanzen geht, stößt Du schnell auf hunderte Angebote. Unabhängiger Rat ist rar. Wir bei Forbes Advisor versetzen uns in Deine Lage – und recherchieren für Dich die entscheidenden Kniffe und besten Produkte. Damit Du kein Geld verschwendest. </div> <div class="quote-wrapper flex items-end md:items-start"> <span class="right-quote quote flex h-75px min-w-50px"></span> </div> </div> <div class="ml-60px md:ml-68px"> <a href="https://www.forbes.com/advisor/de/author/szinnecker/" class="rounded-full w-72px h-72px mb-4 flex" > <img src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/de/wp-content/uploads/2021/01/sara3.jpg" class="rounded-full w-72px h-72px mb-4" alt="Sara Zinnecker"/> </a> <p class="text-14px text-black"> <a href="https://www.forbes.com/advisor/de/author/szinnecker/" class="mb-2 font-euclidcircularb-semibold" >Sara Zinnecker</a> </p> <span class="text-14px text-333333 capitalize font-euclidcircularb-regular">redakteurin</span> </div> </div> </div> </section> <section id="seven_article_wrapper" class="max-w-1170px mx-auto md:mx-5 xl:mx-auto px-5 md:p-0 mb-60px md:mb-70px break-word" data-component="seven-article" 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</li> </ul> </div> <div class="col break-word pr-0 md:pr-5 lg:w-3/12 md:w-6/12 md:mb-30px mb-5 w-full"> <h4 class="text-lg font-bold md:font-normal leading-23px mb-3">Geldanlage Lexikon</h4> <ul> <li> <a href="https://www.forbes.com/advisor/de/geldanlage/dax40/" class="text-lg leading-7 hover:underline" >Was ist Inflation?</a> </li> <li> <a href="https://www.forbes.com/advisor/de/geldanlage/negativzinsen/" class="text-lg leading-7 hover:underline" >Was sind Negativzinsen?</a> </li> <li> <a href="https://www.forbes.com/advisor/de/geldanlage/diversifikation/" class="text-lg leading-7 hover:underline" >Was ist Diversifikation?</a> </li> <li> <a href="https://www.forbes.com/advisor/de/geldanlage/was-sind-anleihen/" class="text-lg leading-7 hover:underline" >Was sind Anleihen?</a> </li> <li> <a href="https://www.forbes.com/advisor/de/geldanlage/was-sind-etfs/" class="text-lg leading-7 hover:underline" >Was sind ETFs</a> </li> <li> <a 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</div> <div class="footeraccordion__content answer font-euclidcircularb-regular md:pt-30px pt-5 pl-4 md:pl-50px "> <div class="flex flex-wrap"> <div class="col break-word pr-0 md:pr-5 lg:w-3/12 md:w-6/12 md:mb-30px mb-5 w-full"> <h4 class="text-lg font-bold md:font-normal leading-23px mb-3">Girokonto</h4> <ul> <li> <a href="https://www.forbes.com/advisor/de/girokonto/bestes-girokonto/" class="text-lg leading-7 hover:underline" >Bestes Girokonto</a> </li> <li> <a href="https://www.forbes.com/advisor/de/girokonto/bestes-girokonto-fuer-studenten-2021/" class="text-lg leading-7 hover:underline" >Bestes Girokonto für junge Leute und Studenten</a> </li> <li> <a href="https://www.forbes.com/advisor/de/girokonto/bestes-girokonto-oekobank-ethische-bank/" class="text-lg leading-7 hover:underline" >Die besten Ökobanken</a> </li> <li> <a href="https://www.forbes.com/advisor/de/girokonto/girokonto-kuendigen/" class="text-lg leading-7 hover:underline" >Girokonto kündigen</a> </li> <li> <a 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>Kostenlose Kreditkarten</a> </li> </ul> </div> <div class="col break-word pr-0 md:pr-5 lg:w-3/12 md:w-6/12 md:mb-30px mb-5 w-full"> <h4 class="text-lg font-bold md:font-normal leading-23px mb-3">Kredit</h4> <ul> <li> <a href="https://www.forbes.com/advisor/de/kredit/was-ist-ein-kredit/" class="text-lg leading-7 hover:underline" >Was ist ein Ratenkredit?</a> </li> <li> <a href="https://www.forbes.com/advisor/de/kredit/kredit-ohne-schufa/" class="text-lg leading-7 hover:underline" >Kredit ohne Schufa</a> </li> <li> <a href="https://www.forbes.com/advisor/de/kredit/online-kredit-vergleich/" class="text-lg leading-7 hover:underline" >Bester Ratenkredit</a> </li> <li> <a href="https://www.forbes.com/advisor/de/kredit/kredit-umschulden/" class="text-lg leading-7 hover:underline" >Kredit umschulden</a> </li> </ul> </div> <div class="col break-word pr-0 md:pr-5 lg:w-3/12 md:w-6/12 md:mb-30px mb-5 w-full"> <h4 class="text-lg font-bold md:font-normal leading-23px mb-3">Zahlungsverkehr</h4> <ul> <li> <a href="https://www.forbes.com/advisor/de/geld-senden/waehrungsrechner/" class="text-lg leading-7 hover:underline" >Währungsrechner</a> </li> <li> <a href="https://www.forbes.com/advisor/de/geld-senden/iban-vs-swift-code/" class="text-lg leading-7 hover:underline" >IBAN vs. SWIFT-BIC-Code</a> </li> <li> <a href="https://www.forbes.com/advisor/de/girokonto/tan-verfahren/" class="text-lg leading-7 hover:underline" >Wie funktionieren die Tan-Verfahren?</a> </li> </ul> </div> </div> </div> </div> </div> </section> </div> </div>  <footer class="shared-footer" data-turbolinks="false"> <div class="row-inner"> <div class="footer-logo"> <a href="https://www.forbes.com/advisor/de/" target="_self" class="logo logo-footer inline-block" aria-label="forbes" title="forbes logo"> <svg width="131" height="32" viewBox="0 0 131 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <path fill-rule="evenodd" clip-rule="evenodd" d="M79.6513 9.11612C77.599 9.11612 75.952 9.66337 74.2417 10.4842C74.2544 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