[{"data":1,"prerenderedAt":939},["ShallowReactive",2],{"findBlogArticleBySlug_geld-anlegen-fuer-einsteiger-und-einsteigerinnen":3,"getDomainUrl":345,"findMenuEntries":349,"getDomainSettings":904,"svg-019ecf71-fe24-763c-acf0-de9ec4d86f11":25,"findBlogCategory":930,"_apollo:static":936,"_apollo:public":937,"_apollo:form":938},{"findBlogArticle":4},[5],{"id":6,"slug":7,"title":8,"content":9,"target":306,"metaTags":308,"fallbackSeoTitle":312,"fallbackSeoDescription":313,"fallbackSeoImage":25,"fallbackSeoCanonicalUrl":314,"headerTheme":21,"heroTheme":21,"footerTheme":21,"publishedAt":315,"quickLinksFaq":271,"quickLinksCredit":135,"quickLinksCard":135,"quickLinksOffices":135,"quickLinksContact":271,"quickLinksSavings":271,"blogCategory":316,"quicklinks":321,"teaserImage":322,"teaserText":331,"heroImage":332,"imagePositionVertical":342,"imagePositionHorizontal":343,"__typename":344},"141","geld-anlegen-fuer-einsteiger-und-einsteigerinnen","Geld anlegen für Einsteiger und Einsteigerinnen",[10,19,23,32,35,38,41,71,74,77,95,98,104,107,125,128,140,143,147,150,153,216,219,222,248,251,291,294,298,303],{"__typename":11,"text":12,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":18,"anchorTitle":18},"TextBlock","\u003Cp>Früher war sparen einfach: Geld aufs Sparbuch legen, Zinsen kassieren und sich über ein wachsendes Guthaben freuen. In Phasen niedriger Zinsen und vergleichsweise hoher Inflation funktioniert das leider nicht mehr so einfach. Dadurch werden die Renditen aufgefressen – und darüber hinaus sogar das Ersparte angeknabbert. Es kommt zu einem schleichenden Kaufkraftverlust. \u003Cstrong>Das bedeutet im Alltag: Mit derselben Summe Geld können Sie sich immer weniger leisten.\u003C/strong>\u003C/p>\u003Cp>Gerade beim Thema Geld anlegen für Anfänger und Anfängerinnen stellt sich oft die Frage: Was tun, um das zu verhindern? Wie können Sie Geld so anlegen, dass es langfristig wächst – ohne dabei unnötige Risiken einzugehen? Wenn Sie Geld nur kurzfristig veranlagen möchten, finden Sie in unserem Beitrag \u003Ca href=\"/blog/kurzfristig-geld-anlegen\">Kurzfristig Geld anlegen\u003C/a> weitere Informationen zu Tagesgeld, Festgeld und anderen sicheren Sparformen.\u003C/p>\u003Cp>In diesem Artikel geht es darum, welche Anlageformen sich grundsätzlich für Einsteiger und Einsteigerinnen eignen und worauf Sie beim Vermögensaufbau achten sollten. Die Antwort darauf ist einfacher als viele denken. Wichtig ist es, die Grundlagen zu verstehen und typische Fehler zu vermeiden. Dann fehlt nur noch eines: der Mut, den ersten Schritt zu tun.\u003C/p>","","h-default","w-full","small","none","6a1d2568d6d0e",{"__typename":11,"text":20,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":22,"anchorTitle":22},"\u003Cp>\u003Cstrong>Inhaltsverzeichnis:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>\u003Ca href=\"#ub0\">Das Wichtigste in Kürze\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub1\">Warum „Nichtstun“ Geld kostet\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub2\">Welche Anlageformen gibt es?\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub3\">Warum Diversifikation entscheidend ist\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub4\">Geld anlegen für Einsteiger und Einsteigerinnen: So starten Sie richtig\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub5\">Typische Fehler beim Geld anlegen vermeiden\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub6\">Häufige Fragen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub7\">Fazit\u003C/a>\u003C/li>\u003C/ul>","default","6a1d2568d6d6b",{"__typename":24,"backgroundImage":25,"content":26,"theme":30,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":31,"anchorTitle":31},"ContainerBlock",null,[27],{"__typename":11,"text":28,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":29,"anchorTitle":29},"\u003Ch2>Das Wichtigste in Kürze \u003C/h2>\u003Cul>\u003Cli>Geld anlegen für Einsteiger und Einsteigerinnen muss nicht kompliziert sein. \u003C/li>\u003Cli>Tagesgeld und Festgeld können Sicherheit und planbare Zinsen bieten.\u003C/li>\u003Cli>ETFs können einen einfachen Einstieg in die Welt der Wertpapiere ermöglichen.\u003C/li>\u003Cli>Langfristiges Investieren erhöht die Chancen auf Vermögensaufbau.\u003C/li>\u003Cli>Eine breite Streuung reduziert Risiken bei der Geldanlage.\u003C/li>\u003Cli>Wer früh beginnt und regelmäßig investiert, kann langfristig vom Zinseszinseffekt profitieren. \u003C/li>\u003C/ul>","6a01d7fb829a9","light-grey","ub0",{"__typename":11,"text":33,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":34,"anchorTitle":34},"\u003Ch2>Warum „Nichtstun“ Geld kostet\u003C/h2>\u003Cp>Viele Menschen trauen sich nicht, ihr Geld zu investieren. Sie verbinden Geldanlage mit Unsicherheit oder komplizierten Finanzprodukten, die nur Profis verstehen. Dabei ist das \u003Cstrong>größte Risiko\u003C/strong> oft genau das Gegenteil: \u003Cstrong>nichts zu tun.\u003C/strong>\u003C/p>\u003Cp>\u003Cstrong>Warum das so ist\u003C/strong>: Nicht die Nominalrendite (Höhe der Zinsen) ist bei einer Sparform entscheidend, sondern die \u003Cstrong>Realrendite \u003C/strong>– also das, was nach Inflation, Steuern und Kosten tatsächlich übrig bleibt. Wenn Ihr Geld auf dem Girokonto oder Sparbuch liegt und dort nur minimal verzinst wird, verliert es demnach real an Wert. \u003C/p>\u003Cp>💡 Viele Anleger und Anlegerinnen setzen daher zusätzlich auf Anlageformen, die langfristig höhere Renditechancen als klassische Sparformen bieten können. Ihr Geld sollte nicht nur möglichst sicher sein – es sollte auch arbeiten. \u003C/p>","ub1",{"__typename":11,"text":36,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":37,"anchorTitle":37},"\u003Ch2>Welche Anlageformen gibt es für Einsteiger und Einsteigerinnen\u003C/h2>\u003Cp>Gerade Einsteiger und Einsteigerinnen sind oft von den vielen Finanzprodukten überfordert. Hier eine kleine Übersicht mit den wichtigsten Vor- und Nachteilen der verschiedenen Möglichkeiten.\u003C/p>","ub2",{"__typename":11,"text":39,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":40,"anchorTitle":40},"\u003Ch3>Klassische Sparformen\u003C/h3>","6a1d2568d6d92",{"__typename":42,"layout":43,"horizontalAlignment":68,"verticalAlignment":69,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":70,"anchorTitle":70},"LayoutBlock",{"type":44,"left":45,"center":53,"right":60,"centerLeft":25,"centerRight":25,"__typename":67},"union_columns_8_8_8",[46],{"__typename":24,"backgroundImage":25,"content":47,"theme":51,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":52,"anchorTitle":52},[48],{"__typename":11,"text":49,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":50,"anchorTitle":50},"\u003Ch4>Beispiele\u003C/h4>\u003Cul>\u003Cli>Tagesgeld\u003C/li>\u003Cli>Festgeld\u003C/li>\u003Cli>Sparbuch\u003C/li>\u003C/ul>","6a0d57c07a08e","turquoise","6a0d57c07a085",[54],{"__typename":24,"backgroundImage":25,"content":55,"theme":51,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":59,"anchorTitle":59},[56],{"__typename":11,"text":57,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":58,"anchorTitle":58},"\u003Ch4>Vorteile\u003C/h4>\u003Cul>\u003Cli>Höhere Sicherheit\u003C/li>\u003Cli>Planbarkeit\u003C/li>\u003Cli>Einfach verständlich\u003C/li>\u003C/ul>","6a0d57c07a09b","6a0d57c07a093",[61],{"__typename":24,"backgroundImage":25,"content":62,"theme":51,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":66,"anchorTitle":66},[63],{"__typename":11,"text":64,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":65,"anchorTitle":65},"\u003Ch4>Nachteile\u003C/h4>\u003Cul>\u003Cli>Niedrige Rendite\u003C/li>\u003Cli>Kaum Inflationsschutz\u003C/li>\u003C/ul>","6a0d57c07a0a7","6a0d57c07a0a0","Layout","justify-between","items-stretch","6a1d2568d6d97",{"__typename":11,"text":72,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":73,"anchorTitle":73},"\u003Cp>Trotz der Nachteile sind Tagesgeld, Festgeld oder Sparbücher nach wie vor ein wichtiger Bestandteil jeder Finanzstrategie. Sie können Stabilität, Planbarkeit und vor allem eines: Sicherheit bieten.\u003C/p>\u003Cp>Ein \u003Ca href=\"/tagesgeld\">Tagesgeldkonto\u003C/a> eignet sich als kurzfristige Reserve. Das Geld ist jederzeit verfügbar, etwa für unerwartete Ausgaben. Ein \u003Ca href=\"/festgeld\">Festgeldkonto\u003C/a> hingegen bietet fixe Zinsen über einen bestimmten Zeitraum und sorgt damit für Planungssicherheit. Für den reinen Vermögensaufbau sind klassische Sparformen allein nicht ausreichend. \u003C/p>","6a1d27a8ba1c4",{"__typename":11,"text":75,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":76,"anchorTitle":76},"\u003Ch3>Wertpapiere\u003C/h3>","6a1d27a8ba1c9",{"__typename":42,"layout":78,"horizontalAlignment":68,"verticalAlignment":69,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":94,"anchorTitle":94},{"type":44,"left":79,"center":84,"right":89,"centerLeft":25,"centerRight":25,"__typename":67},[80],{"__typename":24,"backgroundImage":25,"content":81,"theme":51,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":52,"anchorTitle":52},[82],{"__typename":11,"text":83,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":50,"anchorTitle":50},"\u003Ch4>Beispiele\u003C/h4>\u003Cul>\u003Cli>Aktien\u003C/li>\u003Cli>Fonds\u003C/li>\u003Cli>ETFs\u003C/li>\u003C/ul>",[85],{"__typename":24,"backgroundImage":25,"content":86,"theme":51,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":59,"anchorTitle":59},[87],{"__typename":11,"text":88,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":58,"anchorTitle":58},"\u003Ch4>Vorteile\u003C/h4>\u003Cul>\u003Cli>Höhere Renditechancen\u003C/li>\u003Cli>Inflationsausgleich möglich\u003C/li>\u003Cli>Langfristiger Vermögensaufbau\u003C/li>\u003C/ul>",[90],{"__typename":24,"backgroundImage":25,"content":91,"theme":51,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":66,"anchorTitle":66},[92],{"__typename":11,"text":93,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":65,"anchorTitle":65},"\u003Ch4>Nachteile\u003C/h4>\u003Cul>\u003Cli>Kursschwankungen\u003C/li>\u003Cli>Risiko von Verlusten\u003C/li>\u003C/ul>","6a1d27a8ba1cd",{"__typename":11,"text":96,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":97,"anchorTitle":97},"\u003Cp>Für viele Anlegerinnen und Anleger können Wertpapiere ein Baustein des langfristigen Vermögensaufbaus sein. Aktien, Fonds und insbesondere ETFs ermöglichen es, an der wirtschaftlichen Entwicklung von Unternehmen weltweit teilzuhaben.\u003C/p>","6a1d27a8ba1fb",{"__typename":24,"backgroundImage":25,"content":99,"theme":30,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":103,"anchorTitle":103},[100],{"__typename":11,"text":101,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":102,"anchorTitle":102},"\u003Ch4>Was ist ein ETF einfach erklärt?\u003C/h4>\u003Cp>Ein ETF (Exchange Traded Fund) ist ein Fonds, der die Entwicklung eines gesamten Marktes oder Indexes nachbildet – zum Beispiel des MSCI World. Anstatt nur in ein einzelnes Unternehmen zu investieren, wird das Geld automatisch auf viele verschiedene Unternehmen, Branchen oder Länder verteilt.  Dadurch entsteht eine breite Streuung. ETFs unterliegen jedoch – wie andere Wertpapiere – Kursschwankungen und Risiken.\u003C/p>","6a193bc1ce51d","6a1d27a8ba200",{"__typename":11,"text":105,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":106,"anchorTitle":106},"\u003Ch3>Sachwerte\u003C/h3>","6a1d27a8ba20c",{"__typename":42,"layout":108,"horizontalAlignment":68,"verticalAlignment":69,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":124,"anchorTitle":124},{"type":44,"left":109,"center":114,"right":119,"centerLeft":25,"centerRight":25,"__typename":67},[110],{"__typename":24,"backgroundImage":25,"content":111,"theme":51,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":52,"anchorTitle":52},[112],{"__typename":11,"text":113,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":50,"anchorTitle":50},"\u003Ch4>Beispiele\u003C/h4>\u003Cul>\u003Cli>Immobilien\u003C/li>\u003Cli>Gold & Edelmetalle\u003C/li>\u003Cli>Rohstoffe\u003C/li>\u003C/ul>",[115],{"__typename":24,"backgroundImage":25,"content":116,"theme":51,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":59,"anchorTitle":59},[117],{"__typename":11,"text":118,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":58,"anchorTitle":58},"\u003Ch4>Vorteile\u003C/h4>\u003Cul>\u003Cli>Inflationsschutz\u003C/li>\u003Cli>Reale Werte\u003C/li>\u003C/ul>",[120],{"__typename":24,"backgroundImage":25,"content":121,"theme":51,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":66,"anchorTitle":66},[122],{"__typename":11,"text":123,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":65,"anchorTitle":65},"\u003Ch4>Nachteile\u003C/h4>\u003Cul>\u003Cli>Höhere Einstiegs-Investition (z.B. Immobilien)\u003C/li>\u003Cli>Teilweise geringe laufende Erträge\u003C/li>\u003C/ul>","6a1d27a8ba210",{"__typename":11,"text":126,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":127,"anchorTitle":127},"\u003Cp>Neben klassischen Finanzprodukten können auch Sachwerte eine Rolle bei der Geldanlage spielen. Dazu zählen beispielsweise Immobilien, Edelmetalle wie Gold oder bestimmte Rohstoffe.\u003C/p>\u003Cp>Ihr Vorteil liegt darin, dass sie einen realen Gegenwert besitzen. Je nach Marktumfeld können Sachwerte dazu beitragen, Kaufkraft zu erhalten. Allerdings unterliegen auch sie Wertschwankungen und bieten keinen verlässlichen Schutz vor Inflation oder Verlusten. So kann beispielsweise auch der Goldpreis teils erheblich schwanken.\u003C/p>\u003Cp>Immobilien erfordern in der Regel ein höheres Startkapital und eine sorgfältige Planung. Edelmetalle eignen sich häufig eher als ergänzender Baustein innerhalb eines breit diversifizierten Portfolios.\u003C/p>","6a1d27a8ba244",{"__typename":129,"buttonItems":130,"buttonsAligning":138,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":139,"anchorTitle":139},"ButtonsBlock",[131],{"__typename":132,"label":133,"buttonDataAttribute":25,"resolvedUrl":134,"targetBlank":135,"theme":136,"buttonSize":21,"withIcon":135,"iconRef":25,"iconPosition":137,"onlyIcon":135,"outline":135,"buttonTitleAttribute":25},"ButtonBlock","Entdecken Sie jetzt unsere aktuellen Spar-Angebote","/sparen",false,"secondary","left","justify-center","6a1d27a8ba249",{"__typename":11,"text":141,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":142,"anchorTitle":142},"\u003Ch2>Die richtige Mischung: Warum Diversifikation entscheidend ist\u003C/h2>\u003Cp>Keine der Anlageformen ist gleichzeitig maximal sicher, flexibel und renditestark. Deshalb ist es sinnvoll, unterschiedliche Bausteine zu kombinieren. Diversifikation – also die Streuung Ihres Vermögens – ist der Schlüssel zu einer erfolgreichen Geldanlage. \u003C/p>\u003Ch3 class=\"h4\">Eine mögliche Aufteilung kann zum Beispiel so aussehen:\u003C/h3>","ub3",{"__typename":144,"text":145,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":146,"anchorTitle":146},"HtmlBlock","\u003Cfigure class=\"table ins striped fix\">\n    \u003Ctable class=\"blue w700\">\n        \u003Cthead>\n            \u003Ctr class=\"lvl2\">\n                \u003Cth id=\"af\" scope=\"col\">\u003Cstrong>Anlageform\u003C/strong>\u003C/th>\n                \u003Cth id=\"at\" scope=\"col\">\u003Cstrong>Anteil\u003C/strong>\u003C/th>\n                \u003Cth id=\"zl\" scope=\"col\">\u003Cstrong>Ziel\u003C/strong>\u003C/th>\n            \u003C/tr>\n        \u003C/thead>\n        \u003Ctbody>\n            \u003Ctr>\n                \u003Ctd headers=\"af\">Tagesgeld\u003C/td>\n                \u003Ctd headers=\"at\">20 %\u003C/td>\n                \u003Ctd headers=\"zl\">Liquidität & Notgroschen\u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd headers=\"af\">Festgeld\u003C/td>\n                \u003Ctd headers=\"at\">20 %\u003C/td>\n                \u003Ctd headers=\"zl\">Planbare, stabile Zinsen\u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd headers=\"af\">ETFs/Fonds\u003C/td>\n                \u003Ctd headers=\"at\">40 %\u003C/td>\n                \u003Ctd headers=\"zl\">Langfristiges Wachstum & Rendite\u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd headers=\"af\">Sachwerte\u003C/td>\n                \u003Ctd headers=\"at\">20 %\u003C/td>\n                \u003Ctd headers=\"zl\">Inflations\u003Cwbr>schutz & Stabilität\u003C/td>\n            \u003C/tr>\n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","6a1d27a8ba254",{"__typename":11,"text":148,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":149,"anchorTitle":149},"\u003Cp>Diese Aufteilung verbindet Sicherheit mit Renditechancen. Ein Teil Ihres Geldes bleibt jederzeit verfügbar, während ein anderer planbar verzinst wird. Gleichzeitig investieren Sie bewusst in wachstumsorientierte Anlagen und haben damit die bessere Chance, langfristig eine Rendite über der Inflation zu erzielen.\u003C/p>\u003Cp>Diese Verteilung ist kein starres Modell, sondern eine Orientierung. Je nach Lebenssituation, Einkommen oder Risikobereitschaft kann – und sollte – sie angepasst werden. Wer zum Beispiel mehr Sicherheit möchte, kann den Anteil an Sparprodukten erhöhen. Wer langfristig denkt und Schwankungen aushält, kann stärker in ETFs investieren.\u003C/p>","6a1d27a8ba258",{"__typename":11,"text":151,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":152,"anchorTitle":152},"\u003Ch2>Geld anlegen für Einsteiger und Einsteigerinnen: So starten Sie richtig\u003C/h2>\u003Cp>Der Einstieg in die Geldanlage muss weder kompliziert noch zeitaufwendig sein. Mit einem klaren Plan gelingt es auch ohne Vorkenntnisse, Schritt für Schritt Vermögen aufzubauen.\u003C/p>\u003Ch3>5 wichtige Punkte, die Sie dabei beachten sollten!\u003C/h3>","ub4",{"__typename":154,"iconItems":155,"iconAligning":137,"listLayout":15,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":215,"anchorTitle":215},"IconListBlock",[156,171,182,193,204],{"icon":157,"text":168,"label":169,"__typename":170},{"label":158,"file":159,"__typename":167},"Circle 1",{"mimeType":160,"directDownloadUrl":161,"downloadUrl":162,"filename":163,"size":164,"content":165,"__typename":166},"image/svg+xml","https://website-content-service.santanderconsumer.at/storage/67e26302c7216/bd001step1.svg","https://website-content-service.santanderconsumer.at/media/download/67e26302c7216/bd001step1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODM0MDUzNTAsImV4cCI6MTc4MzQwODk1MCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzAyYzcyMTYvYmQwMDFzdGVwMS5zdmcifQ.VbYWlfuwjeOPie0uOxdCKgdEn8nnwFRUbYp8ufGWLZV8Ac2aoMu0MgyuPA39qolE6DSB3djDddndPnHYdD3smvFDxuGZj9QTQIhUi28PKSXEyKfAMHxdGeK6oIxhvLeTGEVjeJ3lFVomJ9YcxnOOm__fkqf--9H2mpYgUE7brEjT8k3xsD855xSXOvqhd3ZqopGveNnfW-3U5ffXkRWcorGP2S-aBGffTcWSH7FZUj890TMoUHCUkqLoflfEbah_4fjDa0kr2rcyUSpWTZ0eeDqzJPAuFKOZW1y2idGCjLfq2Bj_MOYfeJrrpBNjn2XZ77PDqHK_Q_D9WB1J3oSVaM0cz25eJn2mvohA5CEeEAmpjhQ1Y9IvEuauw5ifi0vozBvewPRvIkw7JMD4iJ70rg5GGZWOIsxlRHGPHvrV7QjupelUm6Dj1aPICZbBUDJiVukgqpOq9Kc2B5pGkrx3SylzN8qJ7aERZWJXACbtBYjfxzaT_UW_JC31FjzQSeBs4BB3doFkgUMvNjwZpwLaB-rSf7bHGFJfp_Jsel57-CpuWP5BiTFKL7ttwtH6Iw81n3QRTkneK-o19s_7DBDNr0Cgd_1HVi23eE_JqBdTYS-9A9uQnz9VMSJ-7ze1d1KNpIcDcK2hp5sKCjaXCb0zJoPeIk8DH3k4me4Tj2xfUf0","67e26302c7216/bd001step1.svg",614,"\u003Csvg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"currentColor\" xmlns=\"http://www.w3.org/2000/svg\">\n\u003Cpath d=\"M12 2C17.514 2 22 6.486 22 12C22 17.514 17.514 22 12 22C6.486 22 2 17.514 2 12C2 6.486 6.486 2 12 2ZM12 3C7.037 3 3 7.037 3 12C3 16.963 7.037 21 12 21C16.963 21 21 16.963 21 12C21 7.037 16.963 3 12 3Z\"/>\n\u003Cpath d=\"M9.21704 7.92968C9.75837 7.69635 10.3884 7.50035 11.107 7.34168C11.8257 7.17368 12.5117 7.08502 13.165 7.07568V17.2677H11.961V8.30768C11.4944 8.38235 11.0044 8.48968 10.491 8.62968C9.98704 8.76035 9.52971 8.90035 9.11904 9.04968C9.11904 8.67635 9.15171 8.30302 9.21704 7.92968Z\"/>\n\u003C/svg>\n","File","Icon","\u003Cp>Bevor Sie investieren, sollten Sie sich eine finanzielle Reserve aufbauen (in der Regel 3 – 6 Monatsgehälter). Diese dient als Sicherheitspuffer für unvorhergesehene Ausgaben. Ein flexibel verfügbares Konto kann dafür sinnvoll sein.\u003C/p>","\u003Ch4>Eine solide Basis schaffen\u003C/h4>","IconItem",{"icon":172,"text":180,"label":181,"__typename":170},{"label":173,"file":174,"__typename":167},"Circle 2",{"mimeType":160,"directDownloadUrl":175,"downloadUrl":176,"filename":177,"size":178,"content":179,"__typename":166},"https://website-content-service.santanderconsumer.at/storage/67e2632299459/bd002step2.svg","https://website-content-service.santanderconsumer.at/media/download/67e2632299459/bd002step2.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODM0MDUzNTAsImV4cCI6MTc4MzQwODk1MCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzIyOTk0NTkvYmQwMDJzdGVwMi5zdmcifQ.miMvq90ps8v1ClvUpg186ho33gLq3vDHIQgiaKAEqDy5q9u-6LlV2LXVD30jkCeumZj_CLcC4bw0hqRYPJBzs-VrzAHgFAIbeR2bQWa516KQ_mGGyN4ubSZ9gbBlqz8MZQKLtDCKqN_tWm0tp7CutwOP9c1UHIvZ5WZE8tOVZmP0FTWb1bzAhbnuwjhc29DjmemAj6JrigfbvWSjk4u2UEVZNVwfd60eFvgFUzNVu3kBZvvF_xIOptykT3SvtT32g6h7OB9GY6Vv7hAO2pUFSJQeZnboRG6OIGUOgTx-hTxbqCvg48_tW8VFI9JjPnvk0YJ5QQZMmGg3145nvBFaqUn207274wTzkox-xYyZ8pJnMOwVRh0UEYrEPU-jJQcbhH36aQUzliqLUaOumqWJkcXCsuEu3KasK6CAN_3XCQkLBW2Zi_i5_Ts89eZ5nhMKiCe3GQ9RAjoe0QqfFnDcIImNTKpwBn-SnHK1FD4Cp-E6TeY4djGvmB1M_q9BoGbuyq4JkjJI8ow48PNKZtVUAwcZ1xCpRLgA6Q15vLHWx_yItCdAcuVrBFjGICuDMIQI0vGQh24HJFelLLOiAm8Hs76rJZTSf8UpCh21LSlzjecFs7IsnIjSRvLGhSTxzF4Aar0TwbaGj3AFLl7EdW2EnZBhL5Iyc04oFiHOXbL7gOc","67e2632299459/bd002step2.svg",1213,"\u003Csvg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"currentColor\" xmlns=\"http://www.w3.org/2000/svg\">\n\u003Cpath d=\"M12 2C17.514 2 22 6.486 22 12C22 17.514 17.514 22 12 22C6.486 22 2 17.514 2 12C2 6.486 6.486 2 12 2ZM12 3C7.037 3 3 7.037 3 12C3 16.963 7.037 21 12 21C16.963 21 21 16.963 21 12C21 7.037 16.963 3 12 3Z\"/>\n\u003Cpath d=\"M15.16 15.894C15.1413 16.3327 15.0993 16.7013 15.034 17H9.23801V16.58C9.23801 15.992 9.35934 15.46 9.60201 14.984C9.85401 14.508 10.176 14.0833 10.568 13.71C10.96 13.3367 11.464 12.912 12.08 12.436C12.64 12.0067 13.06 11.582 13.34 11.162C13.62 10.7327 13.76 10.252 13.76 9.72C13.76 9.12267 13.5733 8.67 13.2 8.362C12.8267 8.04467 12.2713 7.886 11.534 7.886C11.17 7.886 10.8013 7.93267 10.428 8.026C10.0547 8.11 9.70468 8.236 9.37801 8.404C9.37801 7.956 9.40601 7.58267 9.46201 7.284C10.1247 6.96667 10.8713 6.808 11.702 6.808C12.4487 6.808 13.0647 6.92933 13.55 7.172C14.0447 7.40533 14.4087 7.73667 14.642 8.166C14.8753 8.586 14.992 9.08067 14.992 9.65C14.992 10.378 14.8053 11.0313 14.432 11.61C14.068 12.1793 13.494 12.758 12.71 13.346C12.234 13.71 11.8607 14.0087 11.59 14.242C11.3193 14.4753 11.086 14.7273 10.89 14.998C10.694 15.2687 10.5587 15.5673 10.484 15.894H15.16Z\"/>\n\u003C/svg>\n","\u003Cp>Im nächsten Schritt geht es darum, Ihr Kapital zu strukturieren. Eine bewährte Methode ist die Aufteilung in kurzfristige, mittelfristige und langfristige Anlagen.\u003C/p>\u003Cp>Eine Kombination aus täglich verfügbarem Guthaben und fest verzinsten Anlagen kann hier eine stabile Grundlage bilden. So bleiben Sie flexibel und profitieren gleichzeitig von planbaren Zinsen.\u003C/p>","\u003Ch4>Geld sinnvoll aufteilen\u003C/h4>",{"icon":183,"text":191,"label":192,"__typename":170},{"label":184,"file":185,"__typename":167},"Circle 3",{"mimeType":160,"directDownloadUrl":186,"downloadUrl":187,"filename":188,"size":189,"content":190,"__typename":166},"https://website-content-service.santanderconsumer.at/storage/67e2632e1f3f6/bd003step3.svg","https://website-content-service.santanderconsumer.at/media/download/67e2632e1f3f6/bd003step3.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODM0MDUzNTAsImV4cCI6MTc4MzQwODk1MCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzJlMWYzZjYvYmQwMDNzdGVwMy5zdmcifQ.koGBqowQ9GgKbj9tWWw3R-NfsApearcCu4AV-yoCgXQ8jX7mi9-fDPt7MRzahjuX8WKJVSnWJRLep1oXCH-d5SG03PH6TwHsMM6spHxJ4rJA1S-xeGVuTXRiKnwjW2aHGGPh2bn4tjK1wvKef7FTrmqVNKjG8HjQq7_SclrOxcXah-0608aJc-sxchK60gvAJZ1IpqGfX6WufPbo2PIsHDmNy-RDyROcMcwPYpnkBoRgaZvlbwEOGUGBQI3Zap2lW8XNVU-VeK47TDf0P-4DUWd9HkGofSE_iYEC7WVfoRD3OZjACzIZpl5zE1ckv2642lbTZZJ7h0fWMUJy9IYitrUZ6RQTrEQn5sRHaM1bcsWY9V60BZcfhogb5O6l9qKvgdPPEPoAaVjtiK9KxFyJHWQ3SI35IuDI1Y6If9omuiUFYGcVEzJYTd4U5_PyLaJtzAD7hf1LNz-pcch3cgD6ggeT8_ZdIkSogy543NuBpHCNSt9-H5LiaMYCJm_jkVxLdlZI3-ICkuflhAlitkBgadTgK73n6oZtPCEd438oc_5stDOdsruxhW0NG5AEHAjn652yMI83wFaPoVMaV1_aOQ7ac6eYqvhM7LVoeuJ4bnx_sacNYX7oAShiZIYEmdFWD0plc1jKdKBIt3UWsQFYgfV5RSehqOoCr_LWa99gKTc","67e2632e1f3f6/bd003step3.svg",1627,"\u003Csvg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"currentColor\" xmlns=\"http://www.w3.org/2000/svg\">\n\u003Cpath d=\"M12 2C17.514 2 22 6.486 22 12C22 17.514 17.514 22 12 22C6.486 22 2 17.514 2 12C2 6.486 6.486 2 12 2ZM12 3C7.037 3 3 7.037 3 12C3 16.963 7.037 21 12 21C16.963 21 21 16.963 21 12C21 7.037 16.963 3 12 3Z\"/>\n\u003Cpath d=\"M13.3518 11.792C14.7238 12.128 15.4098 12.9307 15.4098 14.2C15.4098 14.8347 15.2558 15.376 14.9478 15.824C14.6492 16.272 14.1965 16.6173 13.5898 16.86C12.9925 17.0933 12.2598 17.21 11.3918 17.21C10.6918 17.21 10.0105 17.1307 9.34784 16.972C9.34784 16.804 9.36184 16.622 9.38984 16.426C9.41784 16.23 9.4505 16.0573 9.48784 15.908C9.7585 15.9733 10.0572 16.0293 10.3838 16.076C10.7105 16.1133 11.0185 16.132 11.3078 16.132C12.2692 16.132 12.9832 15.9733 13.4498 15.656C13.9258 15.3293 14.1638 14.8393 14.1638 14.186C14.1638 13.57 13.9445 13.1173 13.5058 12.828C13.0672 12.5293 12.3765 12.38 11.4338 12.38H10.2718V11.316H11.3498C12.1525 11.316 12.7732 11.1667 13.2118 10.868C13.6598 10.56 13.8838 10.1167 13.8838 9.538C13.8838 9.04333 13.6972 8.64667 13.3238 8.348C12.9505 8.04 12.3858 7.886 11.6298 7.886C11.2565 7.886 10.8832 7.928 10.5098 8.012C10.1458 8.08667 9.79584 8.194 9.45984 8.334C9.45984 8.194 9.46917 8.02133 9.48784 7.816C9.5065 7.61067 9.52984 7.41933 9.55784 7.242C9.8565 7.102 10.1925 6.99467 10.5658 6.92C10.9485 6.84533 11.3452 6.808 11.7558 6.808C12.4652 6.808 13.0672 6.91533 13.5618 7.13C14.0565 7.33533 14.4298 7.62933 14.6818 8.012C14.9338 8.38533 15.0598 8.824 15.0598 9.328C15.0598 9.90667 14.9012 10.4107 14.5838 10.84C14.2665 11.2693 13.8558 11.5867 13.3518 11.792Z\"/>\n\u003C/svg>\n","\u003Cp>Viele Menschen unterschätzen, wie wirkungsvoll kleine Beträge sein können. Schon monatliche Einzahlungen von 50 oder 100 € können langfristig ein beachtliches Vermögen ergeben.\u003C/p>\u003Cp>Ein Sparplan auf ETFs kann dafür geeignet sein. Er ermöglicht automatisiertes Investieren und sorgt dafür, dass Sie kontinuierlich am Markt teilnehmen.\u003C/p>","\u003Ch4>Regelmäßig investieren – auch mit kleinen Beträgen\u003C/h4>",{"icon":194,"text":202,"label":203,"__typename":170},{"label":195,"file":196,"__typename":167},"Circle 4",{"mimeType":160,"directDownloadUrl":197,"downloadUrl":198,"filename":199,"size":200,"content":201,"__typename":166},"https://website-content-service.santanderconsumer.at/storage/67e2633f17dc2/bd004step4.svg","https://website-content-service.santanderconsumer.at/media/download/67e2633f17dc2/bd004step4.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODM0MDUzNTAsImV4cCI6MTc4MzQwODk1MCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzNmMTdkYzIvYmQwMDRzdGVwNC5zdmcifQ.KH6QSOvItqAjWPDdesy1qXVCjjXX1qEmhlfbc302gC4cMfb1wAhrV-u2YbI0T5rnBhA_UCJCkJfqLaoEVIj5LueUI48ES_-mI71QjRWaIfgPgE5tan4EqrXU4rBTptd8vvFNP5qJu4XIjcbZezo8oeHV1NSMfFzNd8wcHWQpsJZ7DVyTuxb_acyiLUVyR45BXI6szaiKfQpHS527cyC9mklycTZydmbm1DabNMlQKrxnvvmeAVLVXbzq4BwFXUwj5PP6f28_ui4fTYg2NUu63XhAavYTRv14vLzDSzGa8BYTGvRm4xFebxzHnde-dib4hAeym9soTTsQUlC0PJehb0H2pMRX_Vaon1ZdvEhpJGb-IzBJnu1WoQ4EOctHfz60Dj2zrxigI7vJ-WQkAtIeZbFlk-2aBX8KavEiCHdidTAT5Dj9q6i8_mfzxJW81MQ_IlXbReDJW5x8JWq_1UPfDnocSdcy1ckThABg53b28qVtDtUPzXP5OWXzdSQS98rwdlVgCXc288ZIeBCurYADGqqOIDe-Nu3chwrepXXE7DMGJfTIPxPvUfYBjbqrcbF4q8zIdSjfbV2k7mn9KGdACygooTJ5lpfmi5fBL1ObKhec3VxGDutS3u-nhDdN-xZOWWZ939qEjBEntmLB3JR-jfbGDMhybBRoETVQjmqyTvA","67e2633f17dc2/bd004step4.svg",753,"\u003Csvg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"currentColor\" xmlns=\"http://www.w3.org/2000/svg\">\n\u003Cpath d=\"M12 2C17.514 2 22 6.486 22 12C22 17.514 17.514 22 12 22C6.486 22 2 17.514 2 12C2 6.486 6.486 2 12 2ZM12 3C7.037 3 3 7.037 3 12C3 16.963 7.037 21 12 21C16.963 21 21 16.963 21 12C21 7.037 16.963 3 12 3Z\"/>\n\u003Cpath d=\"M15.046 13.3828C15.0367 13.5415 15.018 13.7235 14.99 13.9288C14.9713 14.1341 14.9433 14.3068 14.906 14.4468H13.688V17.0088H12.526V14.4468H8.004C8.004 14.0641 8.018 13.7188 8.046 13.4108C8.53133 12.3561 9.17067 11.2595 9.964 10.1208C10.7667 8.98212 11.6113 7.95079 12.498 7.02679C12.918 6.96146 13.3147 6.92879 13.688 6.92879V13.3828H15.046ZM12.526 13.3828V8.49679C11.1633 10.1021 10.062 11.7308 9.222 13.3828H12.526Z\"/>\n\u003C/svg>\n","\u003Cp>Ein entscheidender Erfolgsfaktor ist Zeit. Märkte schwanken und kurzfristige Rückgänge gehören dazu. Wer jedoch langfristig investiert bleibt, kann diese Schwankungen meist ausgleichen.\u003C/p>\u003Cp>Der Zinseszinseffekt kann dafür sorgen, dass Ihr Vermögen mit der Zeit immer schneller wächst. Voraussetzung ist allerdings, dass Sie investiert bleiben.\u003C/p>","\u003Ch4>Geduld bewahren und langfristig denken\u003C/h4>",{"icon":205,"text":213,"label":214,"__typename":170},{"label":206,"file":207,"__typename":167},"Circle 5",{"mimeType":160,"directDownloadUrl":208,"downloadUrl":209,"filename":210,"size":211,"content":212,"__typename":166},"https://website-content-service.santanderconsumer.at/storage/67ee6299a5225/bd005step5.svg","https://website-content-service.santanderconsumer.at/media/download/67ee6299a5225/bd005step5.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODM0MDUzNTAsImV4cCI6MTc4MzQwODk1MCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZWU2Mjk5YTUyMjUvYmQwMDVzdGVwNS5zdmcifQ.rPuO0Kf1vquHrWuhZAZ80LAPEKU7u0G4o9cM9smRwD034iG-lzoOxMdlWsbQF2XdEuo-2-4LVqN1ekoKnmf6YLJwOhqYN4Ubi_lDtgOVZ7OT5gUQkmE5sQ1VHt8xUKrgitjqrGF08zMrgR_k5twP6eXPXmoBuUyzK5VFZn40yh_66oYHf86RyNe4unRYqMGd-8pRvxyyQ044OCIXiq-07IMpY6-hYrdJaU3D5lOvJAkYT1LJYTonFRc1VYElQk2Hyp8tXmFOfjrVrDNQ-jOdKEHsz_udiX5NVeAsSGcRw8UEfyaFrPdgSVcHRw3SLxv5eb8zZEVv6YCtV3YoKSRFPoqwESZp0ds7MqmgzOe7VWFc_J9dt8gDF16b9eMb82FyqdcyeJh1G6v0cvvU08YQdoN8FbQxryLNmO09SZsakbEWzOG3r8F6L55X7qoeYoGWEkNqhXC055VTVGwBzch72J5Nu19VqHPRap7XGcWom1Yp0wbteTqzGx8nqEjTzLkTUHizTC2GQiL_yIJRc9OmFDMKcKdvu4gvzrdEXt03lZDoxFaQF6X8LzukWNLL4CNe7fnDaeeba9WakBTa0jFrL2anZRMPb9VlU1dgTRRsiHmQKAVXL3-ixdLzvfQooEPcgRFjokBqTjJSdrrQhHd3swY3NbfwHr15R4gvoHf_sRg","67ee6299a5225/bd005step5.svg",1165,"\u003Csvg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"currentColor\" xmlns=\"http://www.w3.org/2000/svg\">\n\u003Cpath d=\"M12 2C17.514 2 22 6.486 22 12C22 17.514 17.514 22 12 22C6.486 22 2 17.514 2 12C2 6.486 6.486 2 12 2ZM12 3C7.037 3 3 7.037 3 12C3 16.963 7.037 21 12 21C16.963 21 21 16.963 21 12C21 7.037 16.963 3 12 3Z\" fill=\"currentColor\"/>\n\u003Cpath d=\"M11.6629 10.714C12.6989 10.714 13.5109 10.98 14.0989 11.512C14.6869 12.044 14.9809 12.828 14.9809 13.864C14.9809 14.9467 14.6449 15.7773 13.9729 16.356C13.3103 16.9253 12.3583 17.21 11.1169 17.21C10.4169 17.21 9.74959 17.1307 9.11493 16.972C9.11493 16.6173 9.17093 16.258 9.28293 15.894C9.48826 15.9687 9.74959 16.0293 10.0669 16.076C10.3936 16.1133 10.7203 16.132 11.0469 16.132C11.9243 16.132 12.5963 15.95 13.0629 15.586C13.5296 15.222 13.7629 14.662 13.7629 13.906C13.7629 12.478 12.9183 11.764 11.2289 11.764C10.9676 11.764 10.6783 11.7873 10.3609 11.834C10.0436 11.8713 9.74026 11.9273 9.45093 12.002L9.85693 7.018H14.7009C14.7009 7.186 14.6916 7.37267 14.6729 7.578C14.6543 7.78333 14.6263 7.96533 14.5889 8.124H10.9489L10.7109 10.812C11.0376 10.7467 11.3549 10.714 11.6629 10.714Z\" fill=\"currentColor\"/>\n\u003C/svg>\n","\u003Cp>Gerade in Österreich profitieren Anleger und Anlegerinnen von ein paar wichtigen Vorteilen: Die Kapitalertragsteuer (KESt) auf viele Kapitalerträge – etwa auf Sparzinsen – wird bei vielen automatisch abgeführt. Man muss sich nicht darum kümmern.\u003C/p>\u003Cp>Außerdem sind Einlagen bei Banken in Österreich im Rahmen der gesetzlichen Einlagensicherung bis zu 100.000 € pro Person und Bank abgesichert. Auch alle \u003Ca href=\"/sparen\">Santander Sparprodukte\u003C/a> unterliegen dieser \u003Ca href=\"/einlagensicherung\">Einlagensicherung\u003C/a>.\u003C/p>","\u003Ch4>Von Sicherheit und Einfachheit profitieren\u003C/h4>","6a1d27a8ba262",{"__typename":11,"text":217,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":218,"anchorTitle":218},"\u003Ch2>Typische Fehler beim Geld anlegen – und wie Sie sie vermeiden\u003C/h2>\u003Cp>Der Einstieg in die Geldanlage ist oft weniger eine Frage des Wissens als des richtigen Mindsets. Viele Anfänger und Anfängerinnen lassen ihr Geld aus Unsicherheit unangetastet liegen und verlieren dadurch langfristig Kaufkraft.\u003C/p>\u003Cp>Wer hingegen zu ungeduldig ist und versucht, schnelle Gewinne zu erzielen, geht dabei oft unnötig hohe Risiken ein. Auch emotionale Entscheidungen – etwa panisches Verkaufen bei Kursschwankungen – können den langfristigen Erfolg gefährden.\u003C/p>\u003Cp>Erfolgreiche Geldanlage bedeutet daher vor allem, einen klaren Plan zu verfolgen und sich nicht von kurzfristigen Entwicklungen verunsichern zu lassen. Eine Kombination aus sicheren Sparformen und risikoreicheren Produkten, die dafür mehr Renditechancen bieten, kann dabei eine gute Mischung bilden. Gerade für Einsteiger und Einsteigerinnen, die Sicherheit schätzen und gleichzeitig in Richtung Vermögensaufbau gehen möchten.\u003C/p>","ub5",{"__typename":11,"text":220,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":221,"anchorTitle":221},"\u003Ch2>Häufige Fragen zum Geld anlegen\u003C/h2>","ub6",{"__typename":223,"accordionEntries":224,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":247,"anchorTitle":247},"AccordionBlock",[225,229,232,235,238,241,244],{"label":226,"text":227,"__typename":228},"Ist Geldanlage riskant? ","\u003Cp>Jede Anlageform bringt ein gewisses Risiko mit sich. Durch eine breite Streuung und einen langen Anlagehorizont lässt sich dieses jedoch deutlich reduzieren.\u003C/p>","AccordionItem",{"label":230,"text":231,"__typename":228},"Welche Anlage eignet sich am besten für Anfängerinnen und Anfänger?","\u003Cp>Das hängt unter anderem von Anlageziel, Risikobereitschaft und Anlagehorizont ab. Für viele Anlegerinnen und Anleger kann eine Kombination aus klassischen Sparformen und breit gestreuten ETFs sinnvoll sein.\u003C/p>",{"label":233,"text":234,"__typename":228},"Was ist ein ETF einfach erklärt?","\u003Cp>Ein ETF (Exchange Traded Fund) ist ein börsengehandelter Fonds, der die Entwicklung eines gesamten Marktes oder Indexes nachbildet. Dadurch investieren Anleger und Anlegerinnen mit einem Produkt breit gestreut in verschiedene Unternehmen. \u003C/p>",{"label":236,"text":237,"__typename":228},"Was ist besser: Tagesgeld oder Festgeld?","\u003Cp>Das hängt vom Anlageziel ab. Ein Tagesgeldkonto kann mehr Flexibilität bieten, weil das Geld jederzeit verfügbar bleibt. Ein Festgeldkonto hingegen bietet fixe Zinsen über einen bestimmten Zeitraum und damit mehr Planungssicherheit. \u003C/p>",{"label":239,"text":240,"__typename":228},"Wie viel Geld braucht man zum Investieren?","\u003Cp>Schon kleine Beträge können für den Einstieg ausreichen. Viele Sparpläne starten bereits ab 25 oder 50 € pro Monat. Wichtig ist vor allem, regelmäßig und langfristig zu investieren.\u003C/p>",{"label":242,"text":243,"__typename":228},"Wie lange sollte ich investieren?","\u003Cp>Je länger Ihr Anlagehorizont ist, desto besser können Schwankungen ausgeglichen werden. Gerade beim langfristigen Vermögensaufbau spielt Zeit eine wichtige Rolle. Zeiträume von zehn Jahren oder mehr sind ideal.\u003C/p>",{"label":245,"text":246,"__typename":228},"Muss ich mich um Steuern kümmern?","\u003Cp>In Österreich werden Kapitalerträge bei vielen Banken automatisch versteuert. Das macht die Geldanlage besonders einfach.\u003C/p>","6a1d27a8ba26f",{"__typename":11,"text":249,"textOverlay":13,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":250,"anchorTitle":250},"\u003Ch2>Fazit: Mit Strategie und Geduld zum Vermögensaufbau\u003C/h2>\u003Cp>Die Herausforderungen durch Inflation und niedrige Zinsen können auf künftig eine Herausforderung darstellen. Doch sie bedeuten nicht, dass Vermögensaufbau unmöglich ist – im Gegenteil. Wer die Grundlagen versteht, früh beginnt und konsequent investiert, kann auch in diesem Umfeld erfolgreich sein. Entscheidend ist eine ausgewogene Strategie, die Sicherheit und Rendite miteinander verbindet.\u003C/p>\u003Cp>Eine stabile Basis aus sicheren Sparformen – ergänzt durch langfristige Investments in Wertpapiere – schafft die besten Voraussetzungen dafür, Kaufkraft zu erhalten und Vermögen aufzubauen.\u003C/p>\u003Cp>Der wichtigste Schritt ist dabei immer der erste. Wer heute beginnt, legt den Grundstein für finanzielle Sicherheit in der Zukunft. Wer Geld anlegen für Einsteiger und Einsteigerinnen Schritt für Schritt angeht und langfristig investiert, schafft eine gute Grundlage für nachhaltigen Vermögensaufbau. \u003C/p>","ub7",{"__typename":24,"backgroundImage":25,"content":252,"theme":30,"imagePositionHorizontal":25,"imagePositionVertical":25,"imageMobilePositionHorizontal":25,"imageMobilePositionVertical":25,"mobileBackgroundDisplay":25,"height":14,"width":15,"marginBottom":21,"marginTop":17,"anchorSlug":290,"anchorTitle":290},[253],{"__typename":42,"layout":254,"horizontalAlignment":68,"verticalAlignment":69,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":289,"anchorTitle":289},{"type":44,"left":255,"center":259,"right":275,"centerLeft":25,"centerRight":25,"__typename":67},[256],{"__typename":11,"text":257,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":258,"anchorTitle":258},"\u003Ch2>Noch Fragen?\u003C/h2>\u003Cp>Gerne beantworten wir\u003Cwbr> Ihre individuellen Fragen.\u003C/p>","69329024e3023",[260],{"__typename":261,"buttonItems":262,"buttonsAligning":138,"icon":263,"image":25,"calculatedImageCustomAltText":25,"imageCustomCaptionText":13,"hideOnMobile":135,"hideCaption":135,"lazyload":271,"text":272,"title":273,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":274,"anchorTitle":274,"fullWidthImage":135},"CardBlock",[],{"label":264,"file":265,"__typename":167},"CA120-personal manager 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