[{"data":1,"prerenderedAt":1013},["ShallowReactive",2],{"findBlogArticleBySlug_kurzfristig-geld-anlegen":3,"getDomainUrl":420,"findMenuEntries":424,"getDomainSettings":978,"svg-019bea84-4484-7636-93ba-96d1b1698b3b":21,"findBlogCategory":1004,"_apollo:static":1010,"_apollo:public":1011,"_apollo:form":1012},{"findBlogArticle":4},[5],{"id":6,"slug":7,"title":8,"content":9,"target":381,"metaTags":383,"fallbackSeoTitle":387,"fallbackSeoDescription":388,"fallbackSeoImage":21,"fallbackSeoCanonicalUrl":389,"headerTheme":27,"heroTheme":27,"footerTheme":27,"publishedAt":390,"quickLinksFaq":56,"quickLinksCredit":55,"quickLinksCard":55,"quickLinksOffices":55,"quickLinksContact":56,"quickLinksSavings":56,"blogCategory":391,"quicklinks":396,"teaserImage":397,"teaserText":406,"heroImage":407,"imagePositionVertical":417,"imagePositionHorizontal":418,"__typename":419},"41","kurzfristig-geld-anlegen","Kurzfristig Geld anlegen",[10,19,29,32,35,92,102,105,122,133,147,153,167,173,187,193,207,213,226,232,246,252,255,259,262,265,271,274,280,283,301,304,307,325,328,366,369,373,378],{"__typename":11,"text":12,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":18,"anchorTitle":18},"TextBlock","\u003Ch2>Sicher investieren in Österreich\u003C/h2>\u003Cp>Um Geld rentabel anzulegen, müssen Sie nicht langfristig planen – auch kurzfristige Lösungen können sinnvoll sein. Kurzfristig Geld anzulegen bedeutet, Kapital für einen Zeitraum von wenigen Monaten bis maximal zwei Jahren möglichst sicher und flexibel zu investieren. Je nach Veranlagungsform stehen Sicherheit, Liquidität und Renditechancen in einem unterschiedlichen Verhältnis – das kann sinnvoll sein, wenn Sie Ihr Geld gewinnbringend parken möchten, ohne sich lange zu binden. Erfahren Sie, warum kurzfristige Geldanlagen sinnvoll sind, welche Möglichkeiten es gibt und wie Sie die passende Anlageform für Ihre Ziele finden.\u003C/p>\u003Cp>\u003Cstrong>Inhaltsverzeichnis:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>\u003Ca href=\"#ub1\">Das Wichtigste in Kürze\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub2\">Warum sich kurzfristige Geldanlagen lohnen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub3\">Anlageziele und Zeitrahmen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub4\">Beliebte Anlageformen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub5\">Chancen und Risiken\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub6\">Auswahlkriterien für die passende Geldanlage\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub7\">Praktische Tipps\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub8\">Häufige Fragen\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub9\">Fazit\u003C/a>\u003C/li>\u003C/ul>","","h-default","w-full","small","none","68d239dd24153",{"__typename":20,"backgroundImage":21,"content":22,"theme":26,"imagePositionHorizontal":21,"imagePositionVertical":21,"imageMobilePositionHorizontal":21,"imageMobilePositionVertical":21,"mobileBackgroundDisplay":21,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":28,"anchorTitle":28},"ContainerBlock",null,[23],{"__typename":11,"text":24,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":25,"anchorTitle":25},"\u003Ch2>Das Wichtigste in Kürze\u003C/h2>\u003Cul>\u003Cli>\u003Cstrong>Sicherheit und Liquidität: \u003C/strong>Kurzfristige Geldanlagen können sinnvoll sein, wenn Kapital für einen Zeitraum von wenigen Monaten bis maximal zwei Jahren möglichst sicher und flexibel investiert werden soll.\u003C/li>\u003Cli>\u003Cstrong>Beliebte Anlageformen: \u003C/strong>Zu den sichersten und flexibelsten Optionen in Österreich zählen Tagesgeld- und Festgeldkonten, die durch die gesetzliche \u003Ca href=\"/einlagensicherung\">Einlagensicherung\u003C/a> bis 100.000 € pro Kunde bzw. Kundin und Bank geschützt sind. \u003C/li>\u003Cli>\u003Cstrong>Risiko & Rendite\u003C/strong>: Je höher die Renditechancen, desto größer das Risiko für mögliche Verluste. Tagesgeld und Festgeld gelten als vergleichsweise sicher. Aktien, Kryptowährungen oder \u003Ca href=\"#p2p\">P2P-Kredite\u003C/a> bergen deutlich höhere Risiken.\u003C/li>\u003Cli>\u003Cstrong>Steuern:\u003C/strong> Erträge aus kurzfristigen Geldanlagen sind steuerpflichtig. In Österreich fällt die Kapitalertragsteuer (KESt) an – 25 % auf Zinsen aus Sparbüchern, 27,5 % auf sonstige Kapitalerträge.\u003C/li>\u003C/ul>","68fb23b20cf1e","light-grey","default","ub1",{"__typename":11,"text":30,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":31,"anchorTitle":31},"\u003Ch2>Warum sich kurzfristige Geldanlagen lohnen\u003C/h2>\u003Cp>Haben Sie etwas Geld auf der hohen Kante? Das ist erfreulich – und gleichzeitig eine Chance, mehr daraus zu machen. Wenn Sie Ihr Kapital nicht langfristig binden möchten, weil Sie es bald für Urlaub, neue Möbel oder ein Auto brauchen, können kurzfristige Anlagen sinnvoll sein. Kurzfristiges Veranlagen funktioniert wie ein finanzieller Powernap: In kurzer Zeit schöpfen Sie neues Potenzial aus Ihrem Geld, ohne auf Flexibilität zu verzichten. Und während der Ausdruck „Geld auf der hohen Kante“ früher wörtlich zu nehmen war, sorgen heute moderne Anlageformen und Banken für Sicherheit und Transparenz – besonders in Zeiten von Inflation und Zinsbewegungen.\u003C/p>","ub2",{"__typename":11,"text":33,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":34,"anchorTitle":34},"\u003Ch2>Anlageziele und Zeitrahmen\u003C/h2>\u003Ch3>Was ist eine kurzfristige Geldanlage?\u003C/h3>\u003Cp>Beim kurzfristigen Anlegen investieren Sie Ihr Kapital für einen Zeitraum von einem Monat bis maximal zwei Jahren. Ziel ist es, Sicherheit und Flexibilität zu bewahren und dennoch Ertragschancen zu nutzen. Diese Anlageform eignet sich besonders, wenn Sie Ihr Geld bald wieder benötigen – etwa für größere Anschaffungen oder unerwartete Ausgaben.\u003C/p>\u003Ch3>Zum Vergleich: \u003C/h3>","ub3",{"__typename":36,"layout":37,"horizontalAlignment":89,"verticalAlignment":90,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":91,"anchorTitle":91},"LayoutBlock",{"type":38,"left":39,"center":60,"right":74,"centerLeft":21,"centerRight":21,"__typename":88},"union_columns_8_8_8",[40],{"__typename":41,"buttonItems":42,"buttonsAligning":43,"icon":44,"image":21,"calculatedImageCustomAltText":21,"imageCustomCaptionText":13,"hideOnMobile":55,"hideCaption":55,"lazyload":56,"text":57,"title":58,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":59,"anchorTitle":59,"fullWidthImage":55},"CardBlock",[],"justify-center",{"label":45,"file":46,"__typename":54},"Circle 1",{"mimeType":47,"directDownloadUrl":48,"downloadUrl":49,"filename":50,"size":51,"content":52,"__typename":53},"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.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzAyYzcyMTYvYmQwMDFzdGVwMS5zdmcifQ.lCOsg_0CdNbysDh0JtVaB5Oi02qVCfJOrloQfxU3g-upg6ZB_EU6zNzzdXdcy54l-YWWuU8TVII-ieBzgyoK3nN_uS2thD_la-1VaRQjwm1cmTeo88Ee6vd3pZsb9FahoaqLRJWIOeCfL2CQXLM7bOlzjRtHMbwCX2Uaa78-czambWIKBMa7FGI4AwqGzfucaTVigCnI9ALDMVniicA_IAvbJuZv-XYQqf7FHoqL3zH4FmcIRJ4XnirvkeDH9ue48DhCnk57249YtnFk85HB5DnLkFfTHlavfOi3fpZUEDRowXa6yz5GjfYAJ6zwj5WvPHWk4CZu-lDXgDihQaqLAIuqMfj4O980Oj1QdqSzRCaua6BfHskBFrKR9h2Sbv8gBqCBIHywH75Fr_06e7uVbH_J6tYOtWzv4ra5Cvcmv_fcwKSuBfWuLk4xwR1y4nYGOWQhx2msffkNvpAIgg4BVz3By785jjbiBC1LtHHQG8-sdpofsJIQ5bT93UAx3RT9qzDN0IIZ-B0YlHVBVstp9keSN18UABXYO3lzYsYF8tAhgac5lNExXr9qtC9GJ9--cKsAyen2NJ6RDYY9wRcY5Gz2WoYWb5QKfXF1uT1LlcgFiJHxmPb-bA0T5ui8KkCCh7DS_Uf6FKkkToSrkS_s26wKpVSJZDS_zZWnpPNaSzE","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",false,true,"\u003Cp>Höhere Sicherheit und Liquidität,\u003Cbr>geeignet für Notgroschen oder\u003Cbr>geplante Ausgaben.\u003Cbr>\u003Cstrong>Beispiele:\u003C/strong> Tagesgeld, Festgeld.\u003C/p>","\u003Cp>\u003Cspan class=\"preline\">1 Monat bis 2 jahre\u003C/span>\u003C/p>\u003Ch4>Kurzfristige Geldanlagen\u003C/h4>","68ff20fea94ce",[61],{"__typename":41,"buttonItems":62,"buttonsAligning":43,"icon":63,"image":21,"calculatedImageCustomAltText":21,"imageCustomCaptionText":13,"hideOnMobile":55,"hideCaption":55,"lazyload":56,"text":71,"title":72,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":73,"anchorTitle":73,"fullWidthImage":55},[],{"label":64,"file":65,"__typename":54},"Circle 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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 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Geeignet für\u003Cbr>Sparziele wie Auto, Wohnungs­einrichtung oder Weiterbildung.\u003Cbr>\u003Cstrong>Beispiele:\u003C/strong> Festgeld mit längerer Laufzeit, ausgewogene Fonds.\u003C/p>","\u003Cp>\u003Cspan class=\"preline\">2 bis 7 jahre\u003C/span>\u003C/p>\u003Ch4>Mittelfristige Geldanlagen\u003C/h4>","68ff20fea94d7",[75],{"__typename":41,"buttonItems":76,"buttonsAligning":43,"icon":77,"image":21,"calculatedImageCustomAltText":21,"imageCustomCaptionText":13,"hideOnMobile":55,"hideCaption":55,"lazyload":56,"text":85,"title":86,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":87,"anchorTitle":87,"fullWidthImage":55},[],{"label":78,"file":79,"__typename":54},"Circle 3",{"mimeType":47,"directDownloadUrl":80,"downloadUrl":81,"filename":82,"size":83,"content":84,"__typename":53},"https://website-content-service.santanderconsumer.at/storage/67e2632e1f3f6/bd003step3.svg","https://website-content-service.santanderconsumer.at/media/download/67e2632e1f3f6/bd003step3.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3ZTI2MzJlMWYzZjYvYmQwMDNzdGVwMy5zdmcifQ.IUgn0SXtUeR-6b9jdqUfxAotAhAPCbj0mZpiUACs8bFzhvWBggzMSAZ-KSqVyLp9BvGAyngSDreZrHJM6dc9mPDz45gv1woLHBsbBWbh3dgyF501R3PzQvF8VcDD4V_bM-MeCXNSSCJ5ijqDV7HwzzUjb6QVytAfSx14GHBKKe4175tp0YGAIlS-3Ng40GUN86BIMNZ8nPe_097aNHIHkqv2TKA03SNkvgTudnDisJqsXcwC1A_Ut4jvHfDOpmTkSUUd1mWdj95yrNUCxhZAvwgvcizvg74dvWkWeRhiabVb2PXMRY0eoKYionpqhnflJNdUu-ypKngJNCRwWoIoCUHDdIc99vugjNBmXkvLqPd4orqB_ICwSQu5p0HGrbAlrYFGTnbtWbILrHTOKyCtdwDnm2hT_N5px7DO7h77rszRqSCLKXX4U9bczWwj_DG1NjbZAbyRZOAikv5sEmx0SryOlFMpesCEMHLyzO5JFyIJrwxWi9BphWmFDj-CI--lcPuvPFYPZCT2aP1KBOhxV3iAndhN52Wba3YuW9sj4ybDI55r1fnuZmq33BXSY4Cu8JZJ2iCrpG_5S0ArG0X9xK0oCcfHO6zb9UWr9jDzGcmhWKwJeRJ08L5FOsC-UKvjBa0mo6jrpQVA-8zcNiS--hH47VMN5qzzkc8KU1AlUvI","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>Fokus auf Vermögensaufbau\u003Cbr>und Altersvorsorge. Höhere\u003Cbr>Ertragschancen, aber auch\u003Cbr>stärkere Marktschwankungen.\u003Cbr>\u003Cstrong>Beispiele:\u003C/strong> Aktien, ETFs, Immobilieninvestments.\u003C/p>","\u003Cp>\u003Cspan class=\"preline\">ab 7 jahren\u003C/span>\u003C/p>\u003Ch4>Langfristige Geldanlagen\u003C/h4>","68ff20fea94dc","Layout","justify-between","items-stretch","690a1b8b09af6",{"__typename":93,"buttonItems":94,"buttonsAligning":43,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":101,"anchorTitle":101},"ButtonsBlock",[95],{"__typename":96,"label":97,"buttonDataAttribute":21,"resolvedUrl":98,"targetBlank":55,"theme":99,"buttonSize":27,"withIcon":55,"iconRef":21,"iconPosition":100,"onlyIcon":55,"outline":55,"buttonTitleAttribute":21},"ButtonBlock","Entdecken Sie jetzt unsere aktuellen Spar-Angebote","/sparen","secondary","right","6915a1cca5bc7",{"__typename":11,"text":103,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":104,"anchorTitle":104},"\u003Ch2>Beliebte Anlageformen\u003C/h2>\u003Ch3>Welche Geldanlagen gibt es?\u003C/h3>\u003Cp>Wer Geld anlegen möchte, hat in Österreich verschiedene Möglichkeiten, Kapital eher sicherheitsorientiert oder renditeorientiert zu investieren. Die richtige Wahl hängt davon ab, wie viel Risiko Sie eingehen wollen und wie flexibel Sie bleiben möchten. Zu den beliebtesten Anlageformen zählen:\u003C/p>","ub4",{"__typename":106,"iconItems":107,"iconAligning":120,"listLayout":15,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":121,"anchorTitle":121},"IconListBlock",[108],{"icon":109,"text":117,"label":118,"__typename":119},{"label":110,"file":111,"__typename":54},"AB131-money cash 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Tagesgeld bietet die volle Flexibilität, während Festgeld oft höhere Zinsen bei fixer Laufzeit bietet.\u003C/p>","\u003Ch4>Tagesgeld und Festgeld\u003C/h4>","IconItem","left","696788951270b",{"__typename":123,"accordionEntries":124,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":132,"anchorTitle":132},"AccordionBlock",[125,129],{"label":126,"text":127,"__typename":128},"Tagesgeldkonto: Flexible und sichere Geldanlage mit hoher Verfügbarkeit","\u003Cp>Ein Tagesgeldkonto eignet sich, um Geld kurzfristig und flexibel anzulegen. Sie können Ihr Guthaben täglich abheben oder erhöhen, ohne Kündigungsfristen. Im Vergleich zum Girokonto bietet das Tagesgeld meist höhere Zinsen. Die staatliche Einlagensicherung bis 100.000 € pro Kunde bzw. Kundin und Bank sorgt zusätzlich für Sicherheit. Viele Banken bieten attraktive Konditionen und Bonuszinsen für Neukundinnen und Neukunden.\u003C/p>","AccordionItem",{"label":130,"text":131,"__typename":128},"Festgeldkonto: Planbare Zinsen mit fester Laufzeit","\u003Cp>Ein Festgeldkonto bietet fixe Zinsen und eine klar definierte Laufzeit – meist zwischen drei und 24 Monaten. Das Geld ist in dieser Zeit gebunden. Diese Anlageform eignet sich daher für Anleger und Anlegerinnen, die planbare Erträge wünschen und ihr Geld in dieser Zeit nicht benötigen. Je länger die Laufzeit, desto höher in der Regel die Zinsen. Auch hier gilt: Ihr Geld ist durch die Einlagensicherung bis 100.000 € pro Kunde bzw. Kundin und Bank geschützt.\u003C/p>","6967889512710",{"__typename":106,"iconItems":134,"iconAligning":120,"listLayout":15,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":146,"anchorTitle":146},[135],{"icon":136,"text":144,"label":145,"__typename":119},{"label":137,"file":138,"__typename":54},"AC370-savings",{"mimeType":47,"directDownloadUrl":139,"downloadUrl":140,"filename":141,"size":142,"content":143,"__typename":53},"https://website-content-service.santanderconsumer.at/storage/69bc13e0c509d/ac370savings.svg","https://website-content-service.santanderconsumer.at/media/download/69bc13e0c509d/ac370savings.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxM2UwYzUwOWQvYWMzNzBzYXZpbmdzLnN2ZyJ9.Dk40GQYSFVoV-4pBsEW9rXhzQ7IvldNR4MbmuD9FNFnOeCDygR73hK--s01_3JEc_F88tV_DOEZTnexGuQtj45vgIIShxGfMIuT4LYj_5TG5Ri4aQFkVIN_6QjhvyGNG8XIa78JDSPcJz-OACdLow1uyow5lUI035GejOhDv2OXUKwLA7cWB-5zc3m1MMJZX3eElMiSxzLcbp1v_DQvEcqYsqnskCXzkcbZPRDxvrPYf8jc5X9Pq2zjjgn-aq48O9VAH1I4WKbo1Weclw8U47-E5mR7kEOyBe89KrYmu54zL1iM8SpxXVqWiRdEdttpfIAlJ3Bhe_5DdWlADyrI1270dKwcomq6vgyOI9k3SmY3zZzN__Oy9cTMx08oEf3hD9tNrfpOPlf316gsuxVmh3GAZS7dp006Ya8bpTA1M5a6lU6kkSQGfkEYYRwZuG1yDcbZIJdCDIgMnAveHsUa0UAhyuDJ4hC64RUKxv3q2LjktWOE9y3cJkomjw_LfEm1ZwTYtXR51Xyi0RXj5sEDbFLnl3nV6ShBun97KjSH3T-3__zPXd1puwYeFRThKgK_N1wQexkAGGrwxE1KzabUF3c0BksxN_AljsqqoF-VXuQOkgbXpuvVdfmu51sjqOgpl09Prr0W-zP7OE1kpO7wxLsEFOWdF68iWjwCCimT-eSw","69bc13e0c509d/ac370savings.svg",3596,"\u003Csvg 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Fonds\u003C/h4>","6967889512714",{"__typename":123,"accordionEntries":148,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":152,"anchorTitle":152},[149],{"label":150,"text":151,"__typename":128},"Sparpläne mit ETFs und Fonds: Regelmäßig investieren, flexibel bleiben","\u003Cp>Ein Sparplan kann sinnvoll sein, um regelmäßig (z.B. monatlich) kleine Beträge anzulegen. Bei klassischen Banksparplänen ist das Risiko geringer, da das Kapital durch Einlagensicherung geschützt ist. Anders sieht es bei ETF- oder Fonds-Sparplänen aus: Hier investieren Sie in Wertpapiere. Diese bieten höhere Renditechancen, aber auch Kursrisiken. Ein ETF (Exchange Traded Fund) bildet einen Index nach, wie den MSCI World oder DAX, und sorgt für breite Risikostreuung. Kurzfristig sind solche Anlagen jedoch weniger planbar, da Kursschwankungen auftreten können.\u003C/p>","6967889512718",{"__typename":106,"iconItems":154,"iconAligning":120,"listLayout":15,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":166,"anchorTitle":166},[155],{"icon":156,"text":164,"label":165,"__typename":119},{"label":157,"file":158,"__typename":54},"AF020-stock exchange",{"mimeType":47,"directDownloadUrl":159,"downloadUrl":160,"filename":161,"size":162,"content":163,"__typename":53},"https://website-content-service.santanderconsumer.at/storage/69bc13fc247c4/af020stockexchange.svg","https://website-content-service.santanderconsumer.at/media/download/69bc13fc247c4/af020stockexchange.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxM2ZjMjQ3YzQvYWYwMjBzdG9ja2V4Y2hhbmdlLnN2ZyJ9.qQVy9X3WFzDLgn-OxrylJocwNzScFrqLnwjLRoLnv1glwY_qVP3MdJNSars0JNu77rPhQxHPw7NGDF8rfCG1kapiSwYtAWA3-_UdarOvqnn6Tw06XT8zoKx2oOsawTr6q1w7F8IyfrBHwVxk6njpqiirKS0QJlADOqd7l7mrz1sMp10a6zDCNzkIxsNr6fdcnPXMIcHXWP8A6zYuKZFOWkWSN_H2XeVplgzvsmVTSw_CV55QmcsiQyVm2BAChf9_X-wRUUOtR3_s3zbu9VrP0jqGztIMIlGl9egYTarXi2w4No22tEM8xSrh3A_O-HBSUHKmIzscrUH_-XuhWDczaZstkICfZ3Uu-rCv8ku2K4E5fTXsGx3SREjdkVyFDAmVq0CKjRI8NU09kZfmaWsaPMk-Pu1pQqC6OZDE9gk6pHzS1U1QLqjf8InbpxGksA5WHW72O_bqr5uIJLzP_H7u-ZZaAMWHe1bm7PaUbaMSkpakRHxpa1yF3tRgQdhTRVEhn4Jnx1oMsVmcOpd03lJkG5KNy3VOiNVpeCGu0CSn9vKPs0powTPWt0UvEUypvD1ztEyaQytEl1v6-Sen8PhviIbV3ca79xokiMBfXhQMGkRBoLg3ay0m5_ket1m43Cd5AwYIyY8SH6R94II8zbTIK7VKngyTqrCO0hTo-4RNlyo","69bc13fc247c4/af020stockexchange.svg",2639,"\u003C?xml version=\"1.0\" encoding=\"UTF-8\"?>\n\u003Csvg viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http://www.w3.org/2000/svg\" xmlns:xlink=\"http://www.w3.org/1999/xlink\">\n    \u003Ctitle>SVG/AF020-stock exchange\u003C/title>\n    \u003Cg id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">\n        \u003Cg id=\"A.-Finance/f.-Charts/AF020-stock-exchange-|-stock,-exchange,-increase,-value,-invest,-chart,-graph,-gráficos,-inversión,-valores,-acciones\" fill=\"currentColor\" fill-rule=\"nonzero\">\n            \u003Cpath d=\"M21.5,21 C21.7761424,21 22,21.2238576 22,21.5 C22,21.7454599 21.8231248,21.9496084 21.5898756,21.9919443 L21.5,22 L2.5,22 C2.22385763,22 2,21.7761424 2,21.5 C2,21.2545401 2.17687516,21.0503916 2.41012437,21.0080557 L2.5,21 L21.5,21 Z M4.5,13 C4.74545989,13 4.94960837,13.1768752 4.99194433,13.4101244 L5,13.5 L5,19.5 C5,19.7761424 4.77614237,20 4.5,20 C4.25454011,20 4.05039163,19.8231248 4.00805567,19.5898756 L4,19.5 L4,13.5 C4,13.2238576 4.22385763,13 4.5,13 Z M9.5,11 C9.74545989,11 9.94960837,11.1768752 9.99194433,11.4101244 L10,11.5 L10,19.5 C10,19.7761424 9.77614237,20 9.5,20 C9.25454011,20 9.05039163,19.8231248 9.00805567,19.5898756 L9,19.5 L9,11.5 C9,11.2238576 9.22385763,11 9.5,11 Z M14.5,8 C14.7454599,8 14.9496084,8.17687516 14.9919443,8.41012437 L15,8.5 L15,19.5 C15,19.7761424 14.7761424,20 14.5,20 C14.2545401,20 14.0503916,19.8231248 14.0080557,19.5898756 L14,19.5 L14,8.5 C14,8.22385763 14.2238576,8 14.5,8 Z M19.5,7 C19.7454599,7 19.9496084,7.17687516 19.9919443,7.41012437 L20,7.5 L20,19.5 C20,19.7761424 19.7761424,20 19.5,20 C19.2545401,20 19.0503916,19.8231248 19.0080557,19.5898756 L19,19.5 L19,7.5 C19,7.22385763 19.2238576,7 19.5,7 Z M21.8904344,2.18765248 C22.043772,2.37932445 22.0331862,2.64923067 21.8774963,2.82799912 L21.8123475,2.8904344 L16.8123475,6.8904344 C16.6666114,7.00702332 16.4705657,7.03128307 16.3034374,6.95977547 L16.2226499,6.91602515 L13.5437479,5.13009047 L9.33218192,8.87370466 C9.17286271,9.01532173 8.94452932,9.03843369 8.76249591,8.94004737 L8.68765248,8.8904344 L6.53710798,7.1699988 L2.85355339,10.8535534 C2.65829124,11.0488155 2.34170876,11.0488155 2.14644661,10.8535534 C1.97288026,10.679987 1.95359511,10.4105626 2.08859116,10.2156945 L2.14644661,10.1464466 L6.14644661,6.14644661 C6.30408036,5.98881286 6.54336775,5.956947 6.73400454,6.05806594 L6.81234752,6.1095656 L8.98302727,7.84610939 L13.1678181,4.12629534 C13.3134688,3.99682802 13.5182705,3.96555775 13.6929398,4.03868357 L13.7773501,4.08397485 L16.4731451,5.88117151 L21.1876525,2.1095656 C21.4032834,1.93706082 21.7179296,1.97202151 21.8904344,2.18765248 Z\" id=\"icon-color\">\u003C/path>\n        \u003C/g>\n    \u003C/g>\n\u003C/svg>","\u003Cp>Können höhere Renditechancen bieten, bergen aber auch höhere Kursschwankungen und Risiken.\u003C/p>","\u003Ch4>Aktien\u003C/h4>","6967898e497fb",{"__typename":123,"accordionEntries":168,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":172,"anchorTitle":172},[169],{"label":170,"text":171,"__typename":128},"Aktien: Chancenreich, aber volatil","\u003Cp>Aktien können höhere Gewinne bringen, sind aber deutlich risikoreicher. Kursverluste sind jederzeit möglich. Für kurzfristige Anleger und Anlegerinnen eignen sich Aktien nur, wenn sie die Marktentwicklungen aktiv verfolgen und Risiken bewusst eingehen.\u003C/p>","6967898e49800",{"__typename":106,"iconItems":174,"iconAligning":120,"listLayout":15,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":186,"anchorTitle":186},[175],{"icon":176,"text":184,"label":185,"__typename":119},{"label":177,"file":178,"__typename":54},"CB025-loan",{"mimeType":47,"directDownloadUrl":179,"downloadUrl":180,"filename":181,"size":182,"content":183,"__typename":53},"https://website-content-service.santanderconsumer.at/storage/69bc1181c613e/cb025loan1.svg","https://website-content-service.santanderconsumer.at/media/download/69bc1181c613e/cb025loan1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxMTgxYzYxM2UvY2IwMjVsb2FuMS5zdmcifQ.c4yCbr6a_dKvRmQnXJpGS_P6DU6acKNwB6sCUJNsZ321eumhdmjngq-tSpouS2OZSsDUDogz1uC2b4Af88124b5CKtp5q0HxXkhbrflWWmKijtxXPeWnUOnk6UuPNBcsAEPPyywaYlWaG2jfT4Gnxm0PEVXKjbeSu1tAcQj5NW1RoSdfzs8JJlQxN2Siv1W1Y96PWyMrt4Uip685egythd9oH1lVM7tS76fgNuRlpM8m96qwoOnvNHkRTQ-EGoS0jsdlHdtze6w_cgqEJQ6RRLFBFKTzA7hPo7Yoe3U_Sh1TiIhnGXuOpGkW_fOqmcuzrcOGvfeJhjTWyR8zpklwdR-nAPuMUtxY_dR_jVUF52QEGNuwg78UMLFfzHSybejcLtUqFg0fd1s486q5A-ghZgNXDtStDDOyPL1mZW8yxv07p4AjBM4qdev53yEWLJLLKefIMrNMxDHnugo5ooPwiHulmVlUF18QLlnTOiWRpcfhh9HpJKrU_avTP3FWxgKFyI5vRrGwRe5ezICn95UVSS_7KxSUA5WPfEVR8R5DQmQJ9rBSOFpOMP36_vmPBClyK0iF8_ymqI6i1OVVzZrXICBaZhNYlBxQH3GChJeU0PBTDVDAV44gd1eHYB_T557Bq9hzIIS0m1xQ0JVg-mF64oldNVTA7PLtuygENMhCgEg","69bc1181c613e/cb025loan1.svg",4909,"\u003C?xml 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Die möglichen Zinsen können attraktiv sein, doch das Risiko ist hoch: Zahlungsausfälle oder Plattforminsolvenzen können zum Totalverlust führen. Zudem gibt es keine Einlagensicherung, weshalb sie sich nicht für konservative Anlagen eignen.\u003C/p>","6967898e49808",{"__typename":106,"iconItems":194,"iconAligning":120,"listLayout":15,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":206,"anchorTitle":206},[195],{"icon":196,"text":204,"label":205,"__typename":119},{"label":197,"file":198,"__typename":54},"Bitcoin",{"mimeType":47,"directDownloadUrl":199,"downloadUrl":200,"filename":201,"size":202,"content":203,"__typename":53},"https://website-content-service.santanderconsumer.at/storage/69bc12ee03138/bitcoin3.svg","https://website-content-service.santanderconsumer.at/media/download/69bc12ee03138/bitcoin3.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxMmVlMDMxMzgvYml0Y29pbjMuc3ZnIn0.KDpxbtkbS5hYoVcRGxhkHPVOAhwYo6DO2MkdTUJh1GG32Ax1uDvU13roK2uUaO830TVXIDiWtA7wSvNBILc5ap9p1XYEDzhxDIhH2lOihqNadXdDKT_nrpXzKq77_pNqeUViqaNKiaV_LCSNgzRYWkXsz9ZTHqwLQM0_4TxXChBcglQ7eKfHpSpOZzioBIQpU5QS5ZPpHs3V7zWNj61i5M-JmlNWciL6cvLnMA5f0LkfGVIRXCbhZT5zAfPhAjY1PTJBokvHsntKpZG02dWVtihb6il3JcRBnzDjyjewYu4kng4JYNZE2TyErZazrcPBubthoYqXJyClE54G_4HgZv5BKJbGg7r6PS8is4SztUYfDmLFWhUsR_sylcvXJivPoypB1VtMpHAHBvgrylkZdQ7p_vYzcQaZyLGSWc45wTZW6Alncg1s2QTg9t4YYzMNgls11wKjddZSTXLCKykPfZPSxbdMHfr_9UoK4S5YBe8z6DJlgttyewc0jA9PpN4OMhRC_eT1hijDolhVgTkZnwKFCpvqxQ9S5-wnm16w_v5_fBvu-0KEYfxKe8b0X-48BJueCSFyBuvkud-qyaPRqqfAoOTeD4kJy264ZK5UtR5z8eeYfVFnerNBFMwNlbeAjPq7iLANN6ZPSzwPPC4hhBVdXvQ48E1l2ePexCMSdwM","69bc12ee03138/bitcoin3.svg",1029,"\u003C?xml version=\"1.0\" encoding=\"UTF-8\"?>\n\u003Csvg id=\"Ebene_1\" data-name=\"Ebene 1\" xmlns=\"http://www.w3.org/2000/svg\" viewBox=\"0 0 24 24\">\n  \u003Cpath d=\"M17.02,14.33c-.08-1.74-.94-2.8-2.38-3.38l-.35-.13.1-.06c.87-.56,1.37-1.32,1.37-2.36,0-1.77-1.06-2.89-3.05-3.43,0,0-.02-.01-.05-.02l-.14-.03-.24-.05v-1.83c0-.43-.35-.78-.78-.78-.38,0-.7.27-.77.64v.14s-.01,1.61-.01,1.61c-.47-.04-.98-.04-1.5-.04v-1.6c0-.43-.35-.78-.78-.78s-.78.35-.78.78v1.6h-1.4c-.43,0-.78.35-.78.78s.35.78.78.78h1.41v10.84h-1.18c-.43,0-.78.35-.78.78s.35.78.78.78h1.17v1.83c0,.43.35.78.78.78s.78-.35.78-.78v-1.81c.52.04,1.03.06,1.5.06v1.72s.01.14.01.14c.07.37.39.64.77.64.43,0,.78-.35.78-.78v-1.79c3.1-.3,4.76-1.59,4.76-3.97v-.3ZM9.66,6.17c3.13.04,4.52.83,4.52,2.23v.14c-.15.9-1.66,1.54-3.91,1.81l-.54.06-.15.03c-.13.03-.25.1-.34.2l-.03.03v-4.49h.45ZM15.45,14.81c-.12,1.67-1.89,2.47-5.67,2.27l-.58-.04v-5.33l.02.03c.16.16.38.25.61.23l.43-.02c3.32-.09,5.18.62,5.18,2.68v.18Z\" style=\"fill: currentColor; stroke: #ffffff; stroke-miterlimit: 5; stroke-width: .1px;\"/>\n\u003C/svg>","\u003Cp>Bieten hohe Renditechancen, sind aber sehr volatil und damit nur für erfahrene Anleger und Anlegerinnen geeignet.\u003C/p>","\u003Ch4>Kryptowährungen\u003C/h4>","6967898e4980b",{"__typename":123,"accordionEntries":208,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":212,"anchorTitle":212},[209],{"label":210,"text":211,"__typename":128},"Kryptowährungen: Chancenreich, aber riskant","\u003Cp>Kryptowährungen – wie Bitcoin oder Ethereum – locken mit schnellen Gewinnen, schwanken aber stark im Wert. Sie eignen sich nur für erfahrene Anleger und Anlegerinnen, die Risiken bewusst eingehen und Verluste verkraften können. Achten Sie bei Krypto-Investments auf die MiCA-Regulierung (Markets in Crypto-Assets), die in der EU für Transparenz und Sicherheit sorgt. Trotz des Hypes gilt: Kurzfristig Geld anlegen in Krypto bleibt spekulativ. Sie können hohe Gewinne, aber auch Totalverluste bringen.\u003C/p>","6967898e4980e",{"__typename":106,"iconItems":214,"iconAligning":120,"listLayout":15,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":225,"anchorTitle":225},[215],{"icon":216,"text":13,"label":224,"__typename":119},{"label":217,"file":218,"__typename":54},"CC280-gold",{"mimeType":47,"directDownloadUrl":219,"downloadUrl":220,"filename":221,"size":222,"content":223,"__typename":53},"https://website-content-service.santanderconsumer.at/storage/69bc121393ed2/cc280gold.svg","https://website-content-service.santanderconsumer.at/media/download/69bc121393ed2/cc280gold.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxMjEzOTNlZDIvY2MyODBnb2xkLnN2ZyJ9.jOci1G6YWlwU7CWlDOa07kmc-H0zySKY3nbPKpQNaYYFLQ1DbxG875UJiZMdHTglvCvk6sYxnfCCvK-JCQbYehNRyRQWCp9MxpX_xYIDyfOcWsc2ERB4OB9OqhdAokMrR2ex3s4uXXAJz7K0sGDMb-YzK670HFqnYwnNlMavOzoYMFi0Ar1ODJ1ugbnxwBbuR382PoCh42A2S4fRTHWYrYhP5Lj-yecJZo4Ji0smG9YllWCRfXD3zxEOv7Fj1EhrCYdD1sU8yTLuJdJVgkgZ48D40YRv0LaUHiSlSYBWrrh0w3IoA_xXPvwpucCeAL917dkYvmAqa-UyVKmK1rqoyRG_DK0v7G9WpddyquXWvmUtaCMIp4G5CKC6NC4v5gvmWs8Aqnt-iDVxJlDUOOu19bscEUW0yDWnnszt3NxCzZwuMyAP-BrLARJ3lNVtw8CLoR9dx6GWEGYS7EvOL60SJDbslErLyTBM9vl_330C0Z4pN-P5jueS4cVZ5wonBUKCpukgiCiJ01zDgrqHNLWIVWgvU7QpGhuATh80DS2wDGNBigUfQNAJ79quexbwdp9mjbSem3xopMOrHSPVXKWgSfPCFZ79AsY9pNm6yfIs8hcLovmkgB456gOYtP7xJm-UnihYnez7-ULRJApN-POpzhohJ-aOXn2uA__jl5XObck","69bc121393ed2/cc280gold.svg",5540,"\u003C?xml 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Edelmetalle gelten als sichere Häfen in wirtschaftlich unsicheren Zeiten. Der Goldpreis hat in den letzten Jahren regelmäßig Rekordhöhen erreicht, gleichzeitig können Preise schwanken. Allerdings fallen beim Kauf und Verkauf Gebühren an, die bei kurzfristiger Anlage den Gewinn mindern. \u003C/p>\u003Cp>\u003Cstrong>Vorteil\u003C/strong>: Gewinne aus physischem Gold sind in Österreich nach einem Jahr Haltedauer steuerfrei.\u003C/p>","69e21dd226a69",{"__typename":106,"iconItems":233,"iconAligning":120,"listLayout":15,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":245,"anchorTitle":245},[234],{"icon":235,"text":243,"label":244,"__typename":119},{"label":236,"file":237,"__typename":54},"EA110-home",{"mimeType":47,"directDownloadUrl":238,"downloadUrl":239,"filename":240,"size":241,"content":242,"__typename":53},"https://website-content-service.santanderconsumer.at/storage/69bc12d9ef85a/ea110home.svg","https://website-content-service.santanderconsumer.at/media/download/69bc12d9ef85a/ea110home.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjQsImV4cCI6MTc4MjE5MzkyNCwiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxMmQ5ZWY4NWEvZWExMTBob21lLnN2ZyJ9.Neh7i1HY8OPqTdlT9iUtrdt0fZAI6EopgUy8Xs2uTORM6TGIjv5-vIIZ6FIGIzfDemSucmT2FgoFrz1VLzfves9Ys2F7IM5MyGTmoJuNdOGY9gC4HItn5RoUuh7rnZpK-8vVwU-Ueby_jdtO8SYYGjcWuJ42R94D4OUH_ZFmGxYA3kQ1wWO_3DbQL3zakoUAAQkcJJI6A4E799ClBFAOztual7P_lkHGz8yjvAr7IxJLBYU-atERif6R0iquyiwxpvb8PaTG9fMZJ7a69598rXqNjeyVJPsgVH7WUNG3SsmlVE3A8VAomnb3ZVNX82n9dn2vEob55X3gPb-J8A69G_0n7anrrX2t9qz1H9ud-jtvOeFKTHN0qCt7bmhoY3USKA1vXR1EhSEm_DZy7ITPdevm1cOvWCegzv5hk2waN4bnOvyYxd1Y7l6IuZJSAK6pOjsxbhNX72VY2x3vKorWDmnmYiNl_ea8Ekz-DPpSE1IobPtOK4gdbPBWHacjNnOL-RjBvq-KwkS8HOLSSOwZiEXCbbLW1Ri7EqTsDvFc1knF3b5uLiXjSEAKo9CEeDPYyuonDiPgwHH9FZEVQIPrUN_hfx_fJj8GEdgVO44geOcJq1PhuIXhJG4q0bGbgAN49C_aJJMCjS9W-2vLDMtHVscgDqe2lpklm3JP2IbAcxI","69bc12d9ef85a/ea110home.svg",1626,"\u003C?xml version=\"1.0\" encoding=\"UTF-8\"?>\n\u003Csvg\n  viewBox=\"0 0 24 24\"\n  version=\"1.1\"\n  xmlns=\"http://www.w3.org/2000/svg\"\n  xmlns:xlink=\"http://www.w3.org/1999/xlink\"\n>\n  \u003Ctitle>SVG/EA110-home\u003C/title>\n  \u003Cg\n    id=\"Symbols\"\n    stroke=\"none\"\n    stroke-width=\"1\"\n    fill=\"none\"\n    fill-rule=\"evenodd\"\n  >\n    \u003Cg\n      id=\"E.-Places-&-Transport/a.-Places/EA110-home-|-PLACES,-home,-house,-casa\"\n      fill=\"currentColor\"\n      fill-rule=\"nonzero\"\n    >\n      \u003Cpath\n        d=\"M6.8226765,22 C5.8186765,22 5.0026765,21.184 5.0026765,20.181 L5.00168954,12.1046 L2.9337,15.6826 C2.8407,15.8436 2.6727,15.9326 2.4997,15.9326 C2.4147,15.9326 2.3287,15.9116 2.2497,15.8656 C2.0107,15.7276 1.9287,15.4216 2.0667,15.1826 L8.5277,4.0056 C9.2437,2.7686 10.5757,1.9996 12.0047,1.9996 C13.4347,1.9996 14.7667,2.7696 15.4817,4.0076 L21.9337,15.1826 C22.0717,15.4216 21.9897,15.7266 21.7497,15.8656 C21.5107,16.0016 21.2057,15.9216 21.0667,15.6826 L19.0026895,12.1066 L19.0033851,20.181 C19.0033851,21.184 18.1863851,22 17.1833851,22 L6.8226765,22 Z M12.0047,2.9996 C10.9317,2.9996 9.9307,3.5776 9.3947,4.5056 L6.00168954,10.3746 L6.0026765,20.181 C6.0026765,20.632 6.3706765,21 6.8226765,21 L9.38868954,20.9996 L9.3889,14.636 C9.3889,14.071 9.8489,13.611 10.4139,13.611 L13.5859,13.611 C14.1509,13.611 14.6109,14.071 14.6109,14.636 L14.6106895,20.9996 L17.1833851,21 C17.6353851,21 18.0033851,20.632 18.0033851,20.181 L18.0026895,10.3736 L14.6157,4.5076 C14.0787,3.5776 13.0787,2.9996 12.0047,2.9996 Z M10.4139,14.611 L10.3909,21 L13.6109,21 L13.6109,14.636 L10.4139,14.611 Z\"\n        id=\"icon-color\"\n      >\u003C/path>\n    \u003C/g>\n  \u003C/g>\n\u003C/svg>\n","\u003Cp>Ermöglichen es in den Immobilienmarkt, bereits mit kleineren Beträgen einzusteigen.\u003C/p>","\u003Ch4>Immobilienfonds und -sparpläne\u003C/h4>","6967898e49818",{"__typename":123,"accordionEntries":247,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":251,"anchorTitle":251},[248],{"label":249,"text":250,"__typename":128},"Immobilienfonds und -sparpläne: Einstieg in Sachwerte","\u003Cp>Wer ohne großen Kapitaleinsatz in Immobilien investieren möchte, kann auf Immobilienfonds oder -sparpläne setzen. Offene Immobilienfonds (OIFs) investieren breit in Büros, Hotels oder Wohnungen und erzielen Erträge über Mieten und potentielle Wertsteigerungen. Allerdings sind diese Anlagen weniger flexibel und unterliegen künftigen Halte- und Kündigungsfristen. Für wirklich kurzfristige Geldanlagen sind Immobilienfonds daher nur bedingt geeignet – da Immobilien auch im Wert fallen können. \u003C/p>","6967898e4981c",{"__typename":11,"text":253,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":254,"anchorTitle":254},"\u003Ch2>Chancen & Risiken\u003C/h2>\u003Cp>Wer Geld anlegen möchte, steht vor der Herausforderung, Sicherheit, Flexibilität und Rendite in Einklang zu bringen. Jede Anlageform bietet dabei unterschiedliche Chancen und Risiken. Die folgende Übersicht zeigt, welche Geldanlagen sich für welche Ziele eignen und worauf Sie besonders achten sollten.\u003C/p>","ub5",{"__typename":256,"text":257,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":258,"anchorTitle":258},"HtmlBlock","\u003Cfigure class=\"table ins striped fix\">\n    \u003Ctable class=\"blue w700\">\n        \u003Cthead>\n            \u003Ctr class=\"lvl2\">\n                \u003Cth id=\"af\" scope=\"col\">\n                    \u003Cstrong>Anlageform\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"sh\">\n                    \u003Cstrong>Sicherheit\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"fl\" scope=\"col\">\n                    \u003Cstrong>Flexibilität/Liquidität\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"rc\" scope=\"col\">\n                    \u003Cstrong>Renditechancen\u003C/strong>\n                \u003C/th>\n            \u003C/tr>\n        \u003Ctbody>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"af\">\n                    \u003Cstrong>Tagesgeldkonto\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"sh\"> \n                    hoch – dank gesetzlicher Einlagensicherung bis 100.000€\n                \u003C/td>\n                \u003Ctd headers=\"fl\"> \n                    sehr hoch – Geld ist täglich verfügbar, ideal für Notgroschen\n                \u003C/td>\n                \u003Ctd headers=\"rc\"> \n                   ca. 1,50 % p.a.* in Österreich; fallweise Sonderzinsen für Neukunden und Neukundinnen\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r2\" headers=\"af\">\n                    \u003Cstrong>Festgeldkonto\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"sh\"> \n                    hoch – ebenfalls durch Einlagensicherung geschützt\n                \u003C/td>\n                \u003Ctd headers=\"fl\"> \n                    eingeschränkt – Kapital ist während der Laufzeit gebunden\n                \u003C/td>\n                \u003Ctd headers=\"rc\"> \n                    ca. 1,80 % p.a.* ­(6 Monate) / 2,25 % p.a.* (12 Monate)\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r3\" headers=\"af\">\n                     \u003Cstrong>Bundesschatz Österreich\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"sh\"> \n                    sehr hoch – direkte Veranlagung in Wertpapiere der Republik Österreich\n                \u003C/td>\n                \u003Ctd headers=\"fl\"> \n                    eingeschränkt – Kapital während Laufzeit gebunden, Auszahlung vor Laufzeitende unter Abzug von Liquiditätskosten möglich\n                \u003C/td>\n                \u003Ctd headers=\"rc\"> \n                   ca. 1,95  % p.a.* (1 Monat) bis 3,10 % p.a.* (10 Jahre)\n                \u003C/td>\n            \u003C/tr> \n            \u003Ctr>\n                \u003Ctd id=\"r4\" headers=\"af\">\n                    \u003Cstrong>Sparpläne (Bank, ETF, Fonds)\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"sh\"> \n                    Bankensparpläne: hoch durch Einlagensicherung; ETFs/Fonds: Marktrisiko\n                \u003C/td>\n                \u003Ctd headers=\"fl\"> \n                    je nach Vertrag – meist kurze Kündigungsfristen, aber kein sofortiger Zugriff auf Gesamtbetrag\n                \u003C/td>\n                \u003Ctd headers=\"rc\"> \n                   eher für mittel- bis langfristige Anlagen attraktiv; sinnvoll für regelmäßiges Ansparen\n                \u003C/td>\n            \u003C/tr>\n             \u003Ctr>\n                \u003Ctd id=\"r5\" headers=\"af\">\n                    \u003Cstrong>Aktien\u003C/strong> \n                \u003C/td>\n                \u003Ctd headers=\"sh\"> \n                    niedrig – Kursverluste bis Totalausfall möglich, kein Einlagenschutz\n                \u003C/td>\n                \u003Ctd headers=\"fl\"> \n                    flexibel handelbar über Börsen, aber Kurszeitpunkt schwer planbar\n                \u003C/td>\n                \u003Ctd headers=\"rc\"> \n                   hohe Gewinnchancen, aber ebenso hohes Verlustrisiko\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r6\" headers=\"af\">\n                    \u003Cstrong>P2P-Kredite & Crowdlending\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"sh\"> \n                    gering – Risiko durch Kreditausfälle & Plattformpleiten, kein Einlagenschutz\n                \u003C/td>\n                \u003Ctd headers=\"fl\"> \n                    eingeschränkt – vorzeitige Veräußerung meist schwierig oder verlustreich\n                \u003C/td>\n                \u003Ctd headers=\"rc\"> \n                   hohe Zinsen möglich, aber bei kurzfristiger Anlage meist geringe Rendite\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r7\" headers=\"af\">\n                    \u003Cstrong>Kryptowährungen\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"sh\"> \n                    sehr gering – extreme Kurs- und Regulierungsrisiken, Totalverlust möglich\n                \u003C/td>\n                \u003Ctd headers=\"fl\"> \n                    rund um die Uhr handelbar, bei Marktstress aber eingeschränkte Verfügbarkeit\n                \u003C/td>\n                \u003Ctd headers=\"rc\"> \n                   sehr hohe Gewinnchancen, ebenso hohe Verlustrisiken\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r8\" headers=\"af\">\n                    \u003Cstrong>Gold & Edelmetalle\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"sh\"> \n                    relativ hoch\n                \u003C/td>\n                \u003Ctd headers=\"fl\"> \n                    täglich handelbar, aber Verkaufsgebühren und mögliche Kursverluste\n                \u003C/td>\n                \u003Ctd headers=\"rc\"> \n                   hohe Wertentwicklung zuletzt, Experten und Expertinnen warnen vor Überbewertung\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r9\" headers=\"af\">\n                     \u003Cstrong>Immobilienfonds &-sparpläne\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"sh\"> \n                    mittel – abhängig von Markt- und Projektrisiken\n                \u003C/td>\n                \u003Ctd headers=\"fl\"> \n                    derzeit hoch, künftig (ab 2027) 12 Monate Mindesthaltedauer für OIFs geplant\n                \u003C/td>\n                \u003Ctd headers=\"rc\"> \n                   begrenzte Renditen bei kurzer Laufzeit, zusätzlich Gebühren & hohe Einstiegshürden\n                \u003C/td>\n            \u003C/tr>\n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","table1",{"__typename":256,"text":260,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":261,"anchorTitle":261},"\u003C!--Variante A -->\n\u003Cdiv class=\"basis-card\">\n    \u003Cdiv class=\"basis-header\">Anlageform: Tagesgeldkonto\u003C/div> \n    \u003Cdiv>\u003Cspan>\u003Cstrong>Sicherheit:\u003C/strong>\u003C/span> hoch – dank gesetzlicher Einlagensicherung bis 100.000€\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Flexibilität/Liquidität:\u003C/strong>\u003C/span> sehr hoch – Geld ist täglich verfügbar, ideal für Notgroschen\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Renditechancen:\u003C/strong>\u003C/span> ca. 1,50 % p.a.* in Österreich; fallweise Sonderzinsen für Neukunden und Neukundinnen\u003C/div>\n\u003C/div>\n\u003Cdiv class=\"basis-card\">\n    \u003Cdiv class=\"basis-header\">Anlageform: Festgeldkonto\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Sicherheit:\u003C/strong>\u003C/span> hoch – ebenfalls durch Einlagensicherung geschützt\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Flexibilität/Liquidität:\u003C/strong>\u003C/span> eingeschränkt – Kapital ist während der Laufzeit gebunden\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Renditechancen:\u003C/strong>\u003C/span> ca. 1,80 % p.a.* ­(6 Monate) / 2,25 % p.a.* (12 Monate)\u003C/div>\n\u003C/div>\n\u003Cdiv class=\"basis-card\">\n    \u003Cdiv class=\"basis-header\">Anlageform: Bundesschatz Österreich\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Sicherheit:\u003C/strong>\u003C/span> sehr hoch – direkte Veranlagung in Wertpapiere der Republik Österreich\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Flexibilität/Liquidität:\u003C/strong>\u003C/span> eingeschränkt – Kapital während Laufzeit gebunden, Auszahlung vor Laufzeitende unter Abzug von Liquiditätskosten möglich\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Renditechancen:\u003C/strong>\u003C/span> ca. 1,95 %  p.a.* (1 Monat) bis 3,10 % p.a.* (10 Jahre)\u003C/div>\n\u003C/div>\n\u003Cdiv class=\"basis-card\">\n    \u003Cdiv class=\"basis-header\">Anlageform: Sparpläne (Bank, ETF, Fonds)\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Sicherheit:\u003C/strong>\u003C/span> Bankensparpläne: hoch durch Einlagensicherung; ETFs/Fonds: Marktrisiko\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Flexibilität/Liquidität:\u003C/strong>\u003C/span> je nach Vertrag – meist kurze Kündigungsfristen, aber kein sofortiger Zugriff auf Gesamtbetrag\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Renditechancen:\u003C/strong>\u003C/span> eher für mittel- bis langfristige Anlagen attraktiv; sinnvoll für regelmäßiges Ansparen\u003C/div>\n\u003C/div>\n\u003Cdiv class=\"basis-card\">\n    \u003Cdiv class=\"basis-header\">Anlageform: Aktien\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Sicherheit:\u003C/strong>\u003C/span> niedrig – Kursverluste bis Totalausfall möglich, kein Einlagenschutz\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Flexibilität/Liquidität:\u003C/strong>\u003C/span> flexibel handelbar über Börsen, aber Kurszeitpunkt schwer planbar\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Renditechancen:\u003C/strong>\u003C/span> hohe Gewinnchancen, aber ebenso hohes Verlustrisiko\u003C/div>\n\u003C/div>\n\u003Cdiv class=\"basis-card\">\n    \u003Cdiv class=\"basis-header\">Anlageform: P2P-Kredite & Crowdlending\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Sicherheit:\u003C/strong>\u003C/span> gering – Risiko durch Kreditausfälle & Plattformpleiten, kein Einlagenschutz\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Flexibilität/Liquidität:\u003C/strong>\u003C/span> eingeschränkt – vorzeitige Veräußerung meist schwierig oder verlustreich\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Renditechancen:\u003C/strong>\u003C/span> hohe Zinsen möglich, aber bei kurzfristiger Anlage meist geringe Rendite\u003C/div>\n\u003C/div>\n\u003Cdiv class=\"basis-card\">\n    \u003Cdiv class=\"basis-header\">Anlageform: Kryptowährungen\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Sicherheit:\u003C/strong>\u003C/span> sehr gering – extreme Kurs- und Regulierungsrisiken, Totalverlust möglich\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Flexibilität/Liquidität:\u003C/strong>\u003C/span> rund um die Uhr handelbar, bei Marktstress aber eingeschränkte Verfügbarkeit\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Renditechancen:\u003C/strong>\u003C/span> sehr hohe Gewinnchancen, ebenso hohe Verlustrisiken\u003C/div>\n\u003C/div>\n\u003Cdiv class=\"basis-card\">\n    \u003Cdiv class=\"basis-header\">Anlageform: Gold & Edelmetalle\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Sicherheit:\u003C/strong>\u003C/span> relativ hoch\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Flexibilität/Liquidität:\u003C/strong>\u003C/span> täglich handelbar, aber Verkaufsgebühren und mögliche Kursverluste\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Renditechancen:\u003C/strong>\u003C/span> hohe Wertentwicklung zuletzt, Experten und Expertinnen warnen vor Überbewertung\u003C/div>\n\u003C/div>\n\u003Cdiv class=\"basis-card\">\n    \u003Cdiv class=\"basis-header\">Anlageform: Immobilienfonds &-sparpläne\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Sicherheit:\u003C/strong>\u003C/span> mittel – abhängig von Markt- und Projektrisiken\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Flexibilität/Liquidität:\u003C/strong>\u003C/span> derzeit hoch, künftig (ab 2027) 12 Monate Mindesthaltedauer für OIFs geplant\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Renditechancen:\u003C/strong>\u003C/span> begrenzte Renditen bei kurzer Laufzeit, zusätzlich Gebühren & hohe Einstiegshürden\u003C/div>\n\u003C/div>","table2",{"__typename":11,"text":263,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":264,"anchorTitle":264},"\u003Cp>\u003Cspan class=\"text-sm\">*Stand der Zinssätze: April 2026\u003C/span>\u003C/p>","69e1fee10e0ef",{"__typename":20,"backgroundImage":21,"content":266,"theme":26,"imagePositionHorizontal":21,"imagePositionVertical":21,"imageMobilePositionHorizontal":21,"imageMobilePositionVertical":21,"mobileBackgroundDisplay":21,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":270,"anchorTitle":270},[267],{"__typename":11,"text":268,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":269,"anchorTitle":269},"\u003Cp>\u003Cstrong>Tipp\u003C/strong>: Für kurzfristige Anlagen gilt oftmals – Sicherheit geht vor Rendite. Besonders Tages- und Festgeldkonten können dafür die passende Option sein. Wer höhere Erträge sucht, sollte sich der Risiken von Aktien, Kryptowährungen oder P2P-Krediten bewusst sein – und nur Kapital investieren, auf das kurzfristig verzichtet werden kann.\u003C/p>","692718d314c9c","692718d314c8e",{"__typename":11,"text":272,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":273,"anchorTitle":273},"\u003Ch2>Auswahlkriterien für die passende Geldanalage\u003C/h2>\u003Ch3>Welche kurzfristige Geldanlage passt zu mir?\u003C/h3>\u003Cp>Was ist zurzeit die beste Geldanlage? Das hängt von Ihren Zielen, Ihrem Zeithorizont und Ihrer Risikobereitschaft ab. Wer kurzfristig Geld anlegen möchte, sollte vor allem drei Fragen klären:\u003C/p>\u003Col>\u003Cli>\u003Cstrong>Wie lange kann ich auf das Geld verzichten?\u003C/strong>\u003C/li>\u003Cli>\u003Cstrong>Wie sicher soll die Anlage sein?\u003C/strong>\u003C/li>\u003Cli>\u003Cstrong>Welche Rendite erwarte ich realistisch?\u003C/strong>\u003C/li>\u003C/ol>\u003Cp>\u003Cstrong>Grundsätzlich gilt:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>Mehr Ertrag bedeutet meist mehr Risiko. Wer Wert auf Sicherheit legt, findet mit Tagesgeld oder Festgeld häufig die passende Option – hier sorgen Fixzinsen (bei Festgeldkonten), Liquidität (bei Tagesgeldkonten) und Einlagensicherung für Stabilität.\u003C/li>\u003Cli>Längere Laufzeiten können höhere Zinsen bringen, binden das Kapital aber stärker.\u003C/li>\u003Cli>Vorsicht bei überdurchschnittlich hohen Renditeversprechen: Sie gehen oft mit hohem Risiko einher.\u003C/li>\u003C/ul>","ub6",{"__typename":20,"backgroundImage":21,"content":275,"theme":26,"imagePositionHorizontal":21,"imagePositionVertical":21,"imageMobilePositionHorizontal":21,"imageMobilePositionVertical":21,"mobileBackgroundDisplay":21,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":279,"anchorTitle":279},[276],{"__typename":11,"text":277,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":278,"anchorTitle":278},"\u003Cp>\u003Cstrong>Tipp\u003C/strong>: Vergleichen Sie jede Anlage mit dem garantierten Ertrag sicherer Produkte (z.B. Festgeld). Ist Ihnen der mögliche Mehrertrag anderer Anlagen das höhere Risiko wert? Dann kann sich ein Investment lohnen – ansonsten bleibt Sicherheit die bessere Wahl. Eine gute Orientierung bieten die aktuellen Zinssätze der Oesterreichischen Nationalbank (OeNB) – hier finden Sie einen Überblick über marktübliche Renditen und Zinsen.\u003C/p>","68fb37138b977","690a1c7756403",{"__typename":11,"text":281,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":282,"anchorTitle":282},"\u003Ch2>Praktische Tipps für kurzfristige Geldanlagen\u003C/h2>\u003Ch3>Checkliste: Das sollten Sie vor einem kurzfristigen Investment prüfen\u003C/h3>\u003Cp>Bevor Sie Ihr Geld kurzfristig anlegen, sollten Sie sich folgende Fragen stellen, um die beste Entscheidung für Ihre individuelle Situation zu treffen:\u003C/p>","ub7",{"__typename":123,"accordionEntries":284,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":300,"anchorTitle":300},[285,288,291,294,297],{"label":286,"text":287,"__typename":128},"Wie lautet der Anlagehorizont?","\u003Cp>\u003Cstrong>Bestimmen Sie den genauen Zeitraum:\u003C/strong> Wann werden Sie das Geld voraussichtlich wieder benötigen? In drei Monaten, zwölf Monaten oder vielleicht schon in zwei Wochen? Je genauer Sie den Zeitraum kennen, desto besser können Sie die passende Anlageform wählen. Ein Tagesgeldkonto ist flexibler, ein Festgeldkonto lohnender, wenn der Zeitpunkt der Rückzahlung feststeht.\u003C/p>",{"label":289,"text":290,"__typename":128},"Welche Beträge sollen angelegt werden?","\u003Cp>\u003Cstrong>Legen Sie die genaue Summe fest:\u003C/strong> Manche Anlageprodukte haben Mindesteinlagen. Achten Sie darauf, dass der von Ihnen geplante Anlagebetrag auch zu den Anforderungen des gewählten Produkts passt.\u003C/p>",{"label":292,"text":293,"__typename":128},"Wie wichtig ist die Liquidität?","\u003Cp>\u003Cstrong>Prüfen Sie, ob Sie jederzeit Zugriff auf das Geld benötigen: \u003C/strong>Wenn es sich um eine Notfallreserve handelt, die jederzeit verfügbar sein muss, ist ein Tagesgeldkonto die richtige Wahl. Wenn das Geld für eine geplante Anschaffung in der Zukunft ist (z.B. ein neues Auto nächstes Jahr), ist Festgeld eine gute Option.\u003C/p>",{"label":295,"text":296,"__typename":128},"Welches Risiko bin ich bereit zu tragen?","\u003Cp>\u003Cstrong>Seien Sie realistisch:\u003C/strong> Kurzfristige Anlagen sind in der Regel risikoarm, doch es gibt Abstufungen. Während Tages- und Festgeldkonten in Österreich durch die gesetzliche Einlagensicherung bis zu 100.000 € pro Kunde und Kundin sowie Bank geschützt sind, können Produkte wie Geldmarktfonds geringe Wertschwankungen aufweisen.\u003C/p>",{"label":298,"text":299,"__typename":128},"Wie verhält sich die Inflation?","\u003Cp>\u003Cstrong>Berücksichtigen Sie die Kaufkraft:\u003C/strong> Auch wenn kurzfristige Anlagen in der Regel keine hohen Renditen erzielen, sollten Sie immer im Blick behalten, dass Ihr Erspartes durch die Inflation an Wert verlieren kann. Achten Sie daher auf die aktuellen Zinssätze, um zumindest einen Teil der Inflation auszugleichen.\u003C/p>","690a1c775641a",{"__typename":11,"text":302,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":303,"anchorTitle":303},"\u003Cp>Diese Überlegungen helfen Ihnen, nicht nur das passende Produkt zu finden, sondern auch eine Anlagestrategie zu entwickeln, die genau auf Ihre Bedürfnisse abgestimmt ist.\u003C/p>","690a1c7756422",{"__typename":11,"text":305,"textOverlay":13,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":306,"anchorTitle":306},"\u003Ch2>Häufige Fragen zu kurzfristigen Geldanlagen\u003C/h2>","ub8",{"__typename":123,"accordionEntries":308,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":324,"anchorTitle":324},[309,312,315,318,321],{"label":310,"text":311,"__typename":128},"Was ist die beste Geldanlage im Moment?","\u003Cp>Kurzfristige Geldanlagen, die der gesetzlichen Einlagensicherung unterliegen, sind vergleichsweise sicher. In Österreich sind Einlagen bei Banken bis zu einem Betrag von 100.000 € pro Kunde und Kundin sowie Bank abgesichert. Anlageformen wie Tages- und Festgeldkonten, die diese Kriterien erfüllen, bieten daher einen höheren Schutz für Ihr Kapital. Diese Produkte kombinieren Sicherheit mit einer festen oder variablen Verzinsung, wodurch das Risiko von Kapitalverlusten praktisch ausgeschlossen wird. Der Bundesschatz Österreich bietet ebenfalls ein sehr hohes Maß an Sicherheit, da Anleger und Anlegerinnen direkt in Wertpapiere der Republik Österreich investieren. Eine vorzeitige Auszahlung ist grundsätzlich möglich, jedoch kann sie mit Liquiditätskosten verbunden sein. Der Bundesschatz kann sich für Anleger und Anlegerinnen eignen, die auf hohe Sicherheit und planbare Laufzeiten Wert legen.\u003C/p>",{"label":313,"text":314,"__typename":128},"Wie viel Geld sollte ich anlegen?","\u003Cp>Es ist ratsam, einen Notgroschen von mindestens drei bis sechs Monatsgehältern auf einem flexiblen Konto wie einem Tagesgeldkonto zu halten. Dieser Betrag dient als finanzieller Puffer für unerwartete Ausgaben, ohne dass Sie auf Kredite zurückgreifen müssen. Da Sie bei Tagesgeldkonten jederzeit auf Ihr Geld zugreifen können, sind sie die ideale Lösung, um diese wichtige Reserve zu verwahren. Sie erhalten Zinsen und haben gleichzeitig volle Flexibilität.\u003C/p>",{"label":316,"text":317,"__typename":128},"Lohnt es sich das Geld auch bei kurzer Anlagedauer zu streuen?","\u003Cp>Ja, auch bei kurzfristigen Anlagen ist es sinnvoll, das Geld zu streuen – vor allem, wenn Sie einen größeren Betrag investieren. Statt alles in ein einziges Produkt zu stecken, können Sie es auf verschiedene Anlageformen verteilen. Eine bewährte Methode dafür ist die Treppenstrategie. Dabei bleibt ein Teil des Geldes auf einem flexiblen Tagesgeldkonto. Dieses Geld ist jederzeit verfügbar. der restliche Betrag wird auf mehrere Festgeldkonten mit unterschiedlichen Laufzeiten verteilt.\u003C/p>",{"label":319,"text":320,"__typename":128},"Sind kurzfristige Anlagen in Österreich steuerfrei?","\u003Cp>Nein, die Erträge aus kurzfristigen Anlagen sind in Österreich nicht steuerfrei. Die Besteuerung erfolgt über die Kapitalertragsteuer (KESt), die in der Regel direkt von der Bank an das Finanzamt abgeführt wird. Für Zinserträge aus Sparbüchern und Girokonten beträgt die KESt 25 %. Für alle anderen Zinsen aus Kapitalvermögen, wie zum Beispiel bei Fest- und Tagesgeldkonten, liegt der Steuersatz bei 27,5 %. Es gibt Ausnahmen, wie zum Beispiel physisches Gold, das nach einer Haltedauer von einem Jahr steuerfrei verkauft werden kann.\u003C/p>",{"label":322,"text":323,"__typename":128},"Wie wirken sich Inflation und Zinsen bei kurzfristigen Geldanlagen aus?","\u003Cp>Die Inflation kann den Realwert Ihres Geldes mindern, auch wenn der nominale Wert gleich bleibt. Kurzfristige Geldanlagen mit attraktiver Verzinsung helfen dabei, diesem Kaufkraftverlust teilweise entgegenzuwirken. Wie sich Zinsänderungen auswirken, hängt von Ihrer Anlage ab: Bei sinkenden Zinsen sichern Sie sich mit einem Festgeldkonto weiterhin einen attraktiven Zinssatz, während ein Tagesgeldkonto von steigenden Zinsen profitiert.\u003C/p>","69ef2561ede2f",{"__typename":11,"text":326,"textOverlay":13,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":327,"anchorTitle":327},"\u003Ch2>Fazit\u003C/h2>\u003Cp>Kurzfristige Geldanlagen können die sinnvolle Lösung sein, um Kapital sicher, flexibel und rentabel zu parken. Sie kombinieren Sicherheit durch Einlagensicherung mit planbaren Zinsen und bleiben dennoch liquide. Für Anleger und Anlegerinnen, die Planbarkeit und Stabilität wünschen, sind Tages- und Festgeldkonten besonders empfehlenswert. Beide bieten derzeit in Österreich attraktive Zinsen bei höherer Sicherheit. Die \u003Cstrong>Santander Bank Österreich\u003C/strong> unterstützt Sie dabei, Ihr Geld optimal zu veranlagen – transparent, sicher und flexibel.\u003C/p>","ub9",{"__typename":20,"backgroundImage":21,"content":329,"theme":26,"imagePositionHorizontal":21,"imagePositionVertical":21,"imageMobilePositionHorizontal":21,"imageMobilePositionVertical":21,"mobileBackgroundDisplay":21,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":365,"anchorTitle":365},[330],{"__typename":36,"layout":331,"horizontalAlignment":89,"verticalAlignment":90,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":364,"anchorTitle":364},{"type":38,"left":332,"center":336,"right":350,"centerLeft":21,"centerRight":21,"__typename":88},[333],{"__typename":11,"text":334,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":335,"anchorTitle":335},"\u003Ch2>Noch Fragen?\u003C/h2>\u003Cp>Gerne beantworten wir\u003Cwbr> Ihre individuellen Fragen.\u003C/p>","69329024e3023",[337],{"__typename":41,"buttonItems":338,"buttonsAligning":43,"icon":339,"image":21,"calculatedImageCustomAltText":21,"imageCustomCaptionText":13,"hideOnMobile":55,"hideCaption":55,"lazyload":56,"text":347,"title":348,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":349,"anchorTitle":349,"fullWidthImage":55},[],{"label":340,"file":341,"__typename":54},"CA110-account 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