[{"data":1,"prerenderedAt":951},["ShallowReactive",2],{"findBlogArticleBySlug_sparen-trotz-sinkender-zinsen":3,"getDomainUrl":358,"findMenuEntries":362,"getDomainSettings":917,"svg-019be12b-3905-7114-824c-0748e2c5b424":21,"findBlogCategory":942,"_apollo:static":948,"_apollo:public":949,"_apollo:form":950},{"findBlogArticle":4},[5],{"id":6,"slug":7,"title":8,"content":9,"target":321,"metaTags":323,"fallbackSeoTitle":327,"fallbackSeoDescription":328,"fallbackSeoImage":21,"fallbackSeoCanonicalUrl":329,"headerTheme":27,"heroTheme":27,"footerTheme":27,"publishedAt":330,"quickLinksFaq":286,"quickLinksCredit":193,"quickLinksCard":193,"quickLinksOffices":193,"quickLinksContact":286,"quickLinksSavings":286,"blogCategory":331,"quicklinks":336,"teaserImage":337,"teaserText":346,"heroImage":347,"imagePositionVertical":21,"imagePositionHorizontal":21,"__typename":357},"61","sparen-trotz-sinkender-zinsen","Sparen trotz sinkender Zinsen und Inflation ",[10,19,29,32,35,38,44,47,111,117,120,123,158,161,228,231,234,238,241,244,247,262,265,306,310,315,318],{"__typename":11,"text":12,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":18,"anchorTitle":18},"TextBlock","\u003Ch2>So schützen Sie Ihr Geld und Ihre Kaufkraft\u003C/h2>\u003Cp>Es sind schwierige Zeiten für Sparer und Sparerinnen: Die Zinsen sind verhältnismäßig niedrig, die Inflation ist hoch und frisst die Renditen weg, die Kaufkraft geht verloren – Sie können sich also mit der gleichen Summe weniger leisten als zuvor. Macht es Sinn, in einem solchen Umfeld zu sparen? Wie kann ich mein Geld schützen? Warum verlieren meine Ersparnisse überhaupt an Wert? Anlage und Vermögensaufbau trotz Inflation und niedriger Zinsen ist nicht einfach – aber es geht.\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 Inflation und sinkende Zinsen ein Problem sind\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub3\">Wechselwirkungen von Zinsen und Inflation\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub4\">Rendite steigern\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub5\">Strategien zum Vermögensschutz\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub6\">Checkliste\u003C/a>\u003C/li>\u003Cli>\u003Ca href=\"#ub7\">Wie unterstützt Santander beim Sparen\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>Inflation frisst Kaufkraft – Zinsen gleichen das kaum aus: \u003C/strong>Wer Geld nur am Sparbuch oder Girokonto liegen lässt, verliert real an Wert. Es ist entscheidend, Anlagemöglichkeiten zu wählen, die eine Rendite über der Inflationsrate erzielen. \u003C/li>\u003Cli>\u003Ca href=\"#ub4\">\u003Cstrong>Realrendite\u003C/strong>\u003C/a>\u003Cstrong> statt Nominalrendite zählt:\u003C/strong> Wichtig ist nicht, wie viel Zinsen Sie nominal bekommen, sondern was nach Steuern, Gebühren und Inflation übrig bleibt. Nur eine positive Realrendite erhält den Wert Ihres Vermögens. \u003C/li>\u003Cli>\u003Cstrong>Breit gestreutes Portfolio schützt am besten:\u003C/strong> Setzen Sie auf Diversifikation – also eine Mischung aus Tagesgeld, Festgeld, Aktien, ETFs, Immobilien und Edelmetallen. So reduzieren Sie Risiken und verbessern Ihre Chancen auf stabile Erträge. \u003C/li>\u003Cli>\u003Cstrong>Regelmäßiges Investieren zahlt sich aus: \u003C/strong>Mit ETF- oder Fondssparplänen können Sie schon mit kleinen Beträgen langfristig Kapital aufbauen. Der Zinseszinseffekt sorgt dafür, dass Ihr Vermögen mit der Zeit deutlich wächst. \u003C/li>\u003Cli>\u003Cstrong>Santander bietet sichere und flexible Sparlösungen:\u003C/strong> Das BestFlex Tagesgeldkonto eignet sich als kurzfristige Reserve mit täglicher Verfügbarkeit, während das BestFix Festgeldkonto planbare Zinsen mit fester Laufzeit bietet. In Kombination bilden Sie eine stabile Basis für jede Sparstrategie – auch in Zeiten von Inflation und Zinstief.\u003C/li>\u003C/ul>","691af256c7661","light-grey","default","ub1",{"__typename":11,"text":30,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":31,"anchorTitle":31},"\u003Ch2>Warum Inflation und sinkende Zinsen ein Problem für Sparer und Sparerinnen sind\u003C/h2>\u003Cp>Haben Sie Geld auf der hohen Kante? Wollen Sie für sich selbst oder Ihre Kinder bzw. Enkelkinder ansparen? Dann sollten Sie nicht allein auf die Zinsen schauen, die ein Sparbuch oder ein Anlageprodukt mit sich bringen. Jedes Investment muss unter dem Blickwinkel von Kosten und realem Ertrag („Realrendite“) betrachtet werden. Sonst verlieren Sie Geld und Kaufkraft – Sie können sich also mit der gleichen Summe weniger leisten als zuvor. Es gibt einige Möglichkeiten, mit denen Sie auch bei Inflation, niedrigen Zinsen und globalen Unsicherheiten Kapital langfristig aufbauen können.\u003C/p>","ub2",{"__typename":11,"text":33,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":34,"anchorTitle":34},"\u003Ch2>Wechselwirkungen von Zinsen und Inflation\u003C/h2>\u003Ch3>Wie entstehen die Zinsen in Österreich?\u003C/h3>\u003Cp>Die Zinsen in Österreich hängen von der Zinspolitik der Europäischen Zentralbank (EZB) ab. Eine der wichtigsten Aufgaben der EZB ist es, die In­flation in einem gewissen Rahmen zu halten und gleichzeitig Konsumenten und Konsumentinnen sowie Unternehmen finanzielle Rahmenbedingungen zu ermöglichen, damit Sie investieren können. Dazu legt die EZB einen Rahmen-Zinssatz fest – den Leitzins.\u003C/p>\u003Ch3>Welchen Einfluss hat der Leitzins der EZB?\u003C/h3>\u003Cp>Der Leitzins ist jener Zinssatz, zu dem sich Banken Geld bei einer Zentralbank wie der EZB leihen und auch dort anlegen können. Je niedriger er ist, desto günstiger werden Darlehen – dafür sinken auch Sparzinsen.\u003C/p>\u003Ch3>Warum haben wir aktuell so niedrige Zinsen?\u003C/h3>\u003Cp>In den 1970er und 1980er Jahren konnten Sie auf einem Sparbuch noch rund 10 % Zinsen erhalten – dafür mussten Sie für Kredite oft mehr als 12 % bezahlen. Nach der Finanzkrise im Jahr 2009 änderte sich das grundlegend: Die Europäische Zentralbank senkte die Leitzinsen stark, um Wirtschaft und Konsum anzukurbeln. Geld war plötzlich nahezu kostenlos zu haben – eine sogenannte Niedrigzinsphase begann. Dieses „billige Geld“ führte allerdings dazu, dass viele Menschen und Unternehmen stärker investierten, was wiederum die Preise für Immobilien und andere Vermögenswerte deutlich ansteigen ließ. Heute bekommen Sie Geld nicht mehr zum Nulltarif, die Zinsen bleiben jedoch auf einem niedrigen Niveau. Gleichzeitig liegt die Inflation in Österreich vergleichsweise hoch – dadurch verliert Ihr Geld an Kaufkraft, wenn es unverzinst auf dem Konto liegt. Deshalb ist es wichtiger denn je, auf eine durchdachte Spar- und Anlagestrategie zu setzen, um den Wert Ihres Vermögens langfristig zu sichern.\u003C/p>\u003Ch3>Was ist die Inflation? Ursachen und Auswirkungen\u003C/h3>\u003Cp>Unter Inflation versteht man den allgemeinen Anstieg der Preise für Waren und Dienstleistungen. Das hat direkte Folgen: Ihr Geld verliert an Kaufkraft – Sie können sich also mit der gleichen Summe weniger leisten als zuvor. Inflation kann verschiedene Ursachen haben. Häufig liegt sie vor, wenn die Nachfrage größer ist als das Angebot, etwa in wirtschaftlich starken Phasen. Auch steigende Produktionskosten spielen dabei eine Rolle, etwa höhere Rohstoffpreise nach Ernteausfällen, teure Energie, steigende Lohnkosten oder zusätzliche staatliche Abgaben. Ein weiterer Faktor ist das geopolitisch unsichere Umfeld, das Lieferketten unterbricht oder Handelskosten erhöht. All diese Einflüsse führen dazu, dass Unternehmen ihre Preise anheben. Und Sie spüren das im Alltag, zum Beispiel an kleineren Verpackungen mit weniger Inhalt („Shrinkflation“) oder an deutlich höheren Preisen im Supermarkt, beim Tanken oder im Restaurant. Kurz gesagt: Steigen die Preise, verliert Ihr Geld an Wert. Umso wichtiger ist es, Ihr Erspartes so anzulegen, dass es langfristig mit der Inflation Schritt hält.\u003C/p>","ub3",{"__typename":11,"text":36,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":37,"anchorTitle":37},"\u003Ch2>Rendite steigern trotz Zinstief und Inflation\u003C/h2>\u003Cp>Daher ist es wichtig, beim Sparen oder Investieren eine Rendite zu erwirtschaften, die über der Inflation liegt und gleichzeitig die Kosten übertrifft – wie Konto- oder Depotgebühren sowie Kapitalertragsteuer. Das nennt man positive Realrendite. Dieser Wert ist nicht mit der Nominalrendite zu verwechseln, die nur den reinen Gewinn aus einer Anlage angibt, ohne die „Nebenkosten“ zu berücksichtigen.\u003C/p>\u003Ch3>Wie berechnet man Realzins bzw. Realrendite?\u003C/h3>\u003Cp>Um die Realrendite zu berechnen, ziehen Sie von der Nominalrendite alle Kosten ab – das heißt Transaktionsgebühren bei Aktien/Wertpapieren, Ausgabeaufschläge bzw. Agio bei Fonds, Steuern, Depot- und Bankgebühren, Kapitalertragsteuer und Inflationsrate.\u003C/p>","ub4",{"__typename":20,"backgroundImage":21,"content":39,"theme":26,"imagePositionHorizontal":21,"imagePositionVertical":21,"imageMobilePositionHorizontal":21,"imageMobilePositionVertical":21,"mobileBackgroundDisplay":21,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":43,"anchorTitle":43},[40],{"__typename":11,"text":41,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":42,"anchorTitle":42},"\u003Cp>\u003Ci>\u003Cstrong>Einfaches Praxisbeispiel\u003C/strong>\u003C/i>\u003C/p>\u003Cp>Sie legen 5.000 € auf ein Sparkonto und erhalten dafür 2 % Zinsen. Die Inflation liegt bei 4 %, die Kapitalertragsteuer beträgt 25 %. \u003C/p>\u003Cp>\u003Cstrong>Anfangskapital\u003C/strong>: 5.000 €\u003Cbr>\u003Cstrong>Nominalzins:\u003C/strong> 2 %\u003Cbr>\u003Cstrong>Inflationsrate:\u003C/strong> 4 %\u003Cbr>\u003Cstrong>Kapitalertragsteuer:\u003C/strong> 25 %\u003Cbr>\u003Cstrong>Guthaben nach einem Jahr:\u003C/strong> 5.075€\u003C/p>\u003Cp>\u003Cstrong>Ergebnis\u003C/strong>: Sie bekommen 2 % Zinsen, das sind 100 Euro. Nach Abzug der KEST von 25 % verbleibt Ihnen ein Gewinn von 75 Euro. Ihr Guthaben beträgt somit 5.075 Euro. Da die Preise jedoch um 4 % steigen (Inflationsrate), können Sie sich mit diesem Geld weniger leisten als zuvor. Die 5.075 Euro sind in Wirklichkeit nur noch rund 4.880 Euro wert. Die Zinsen reichen nicht aus, um die höheren Preise auszugleichen.\u003C/p>","691afd516a286","691afd516a277",{"__typename":11,"text":45,"textOverlay":13,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":46,"anchorTitle":46},"\u003Ch2>Wie kann ich trotz Inflation und niedrigen Zinsen sparen? Strategien zum Vermögensschutz\u003C/h2>","ub5",{"__typename":48,"iconItems":49,"iconAligning":109,"listLayout":15,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":110,"anchorTitle":110},"IconListBlock",[50,65,76,87,98],{"icon":51,"text":62,"label":63,"__typename":64},{"label":52,"file":53,"__typename":61},"BD540-alert",{"mimeType":54,"directDownloadUrl":55,"downloadUrl":56,"filename":57,"size":58,"content":59,"__typename":60},"image/svg+xml","https://website-content-service.santanderconsumer.at/storage/69bc13ed3f3c5/bd540alert1.svg","https://website-content-service.santanderconsumer.at/media/download/69bc13ed3f3c5/bd540alert1.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjcsImV4cCI6MTc4MjE5MzkyNywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxM2VkM2YzYzUvYmQ1NDBhbGVydDEuc3ZnIn0.YnOWsxmNuHG_WAfipangKoltTySL-M7IeXquo3JcTHgOaSAJ56hw7jRvpauSiNvmB2RgOrA-QUOtxauVLmwoboYNZOA2aEoKXJD1UACOfvLCsHKObCx4-WZhWZlklURSjJ3oJsjf12efxJ-kZ7O1HqdzJoz6xNCCxIruxxKez-o56WwkBYhKmcmFxLxIWu-vl35UAuyZ8rNMdoJ2K9EPt6JOeTRNjAS_NZzmdab3qANZGgQhlM_LJSdEjMlfPhInxL4jd3zaEqhdbIMJMY7v5CN73A-527F5MqayLnSBoLKyEwKLdpd3caCijsMjyEHuc7RY3I9prDN1nZOE3YpcQ3iCXGo3fq8BOBXNHNL4t1hi6_HPTGDOkJL7fbrBfPOyU_27HgQl5NV3x2ETqehTfcr3OCX2RNl5J4n2KGTPzqlm_mP-yI3pCPkOTgJgv746Hrr9IlwSc0AjzusVxV9ZvZPi4HEIhSPp8GNjpwmue709UClLfprKiayGP2pBDEPJ8PUoc2V4Rzelj3bKSvOyBoYAB49vHrvxzkPLlxKMIwUuq64k9fUbC9ctsyuKR0QoZOnOLNAZdhdXfBgBwC6jggeKFeiq2WuaDr9CZS3GGNg6gN23G1YeLuNormvhJCY6gPz4TH3f01Te7CYFL43BO9z01LTq107jArh1BEBlCN0","69bc13ed3f3c5/bd540alert1.svg",1805,"\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/BD540-alert\u003C/title>\n    \u003Cg id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\">\n        \u003Cg id=\"B.-Digital,--Tech-&-Docs/d.-Symbols/BD540-alert-|-SYMBOLS,-alert,-alerta,-aviso,-warning,-peligro,-danger,-error\" fill=\"currentColor\" fill-rule=\"nonzero\">\n            \u003Cpath d=\"M9.90837285,3.20626112 C10.8078866,1.64979516 13.0132141,1.59958658 14.0099905,3.0798222 L14.1055465,3.23294814 L21.6731844,18.3794766 C22.5755886,19.9409442 21.5075912,21.882011 19.7444442,21.9948407 L19.5822786,22 L4.4182786,22 C2.6141243,22 1.46565011,20.1048184 2.23660137,18.5468098 L2.31201069,18.4061636 L9.90837285,3.20626112 Z M13.2253728,3.70663142 C12.7067915,2.80930861 11.4465277,2.7665914 10.8573305,3.5784798 L10.7812776,3.69448899 L3.19218435,18.8798469 C2.66970412,19.7839162 3.27652593,20.9061055 4.28958297,20.9944342 L4.4182786,21 L19.5822786,21 C20.6277067,21 21.2966496,19.9141618 20.8541633,18.9703127 L20.7930107,18.8531599 L13.2253728,3.70663142 Z M11.9999786,17 C12.2454385,17 12.449587,17.1768752 12.4919229,17.4101244 L12.4999786,17.5 L12.4999786,18.5 C12.4999786,18.7761424 12.276121,19 11.9999786,19 C11.7545187,19 11.5503702,18.8231248 11.5080343,18.5898756 L11.4999786,18.5 L11.4999786,17.5 C11.4999786,17.2238576 11.7238362,17 11.9999786,17 Z M11.9999786,9.5 C12.2454385,9.5 12.449587,9.67687516 12.4919229,9.91012437 L12.4999786,10 L12.4999786,15 C12.4999786,15.2761424 12.276121,15.5 11.9999786,15.5 C11.7545187,15.5 11.5503702,15.3231248 11.5080343,15.0898756 L11.4999786,15 L11.4999786,10 C11.4999786,9.72385763 11.7238362,9.5 11.9999786,9.5 Z\" id=\"icon-color\">\u003C/path>\n        \u003C/g>\n    \u003C/g>\n\u003C/svg>","File","Icon","\u003Cp>Wie können Sie Ihr Geld so anlegen, dass es langfristig an Wert gewinnt? Hier gibt es keine pauschale Lösung – jede Anlageform bringt Chancen sowie auch Risiken mit sich. Entscheidend hier ist besonders die richtige Balance zwischen Sicherheit und Rendite. Klassische Sparformen wie Sparbücher, Tagesgeld oder auch Bausparverträge bieten zwar Stabilität, schützen Ihr Vermögen jedoch kaum vor Kaufkraftverlust. Daher braucht es für nachhaltiges Wachstum ergänzende oder alternative Strategien – beispielsweise Investitionen in Wertpapiere, Fonds oder Sachwerte.\u003C/p>","\u003Ch3>Chancen nutzen, Risiken im Blick behalten\u003C/h3>","IconItem",{"icon":66,"text":74,"label":75,"__typename":64},{"label":67,"file":68,"__typename":61},"EA110-home",{"mimeType":54,"directDownloadUrl":69,"downloadUrl":70,"filename":71,"size":72,"content":73,"__typename":60},"https://website-content-service.santanderconsumer.at/storage/69bc12d9ef85a/ea110home.svg","https://website-content-service.santanderconsumer.at/media/download/69bc12d9ef85a/ea110home.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjcsImV4cCI6MTc4MjE5MzkyNywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxMmQ5ZWY4NWEvZWExMTBob21lLnN2ZyJ9.qeUqVEbw1XLTTxD8efvALxieOAE1bHBITIpdTYn-wbwTa4b3ZzOMqgJ-B36oD9VNuFR9qFu038M-Ss95sp7LeWxgUetFopvYnqE06yFoD-hZpf13VDJK4twuqocC8m9utH0CiSoAsqIjQFhayL8Z38fFBcMhhjoONE6M9XzMN1ysib0neiTJqXs_P9aHADcP3tDZohhUeU4mqqBa5FqisHPLFgzPQ9APqQaKXIOigxuWMmdGHF5uZ6Hus2zKCFt__2hrlnlf_nWutOKQUIZ3cgwqrIUk1L7Mrq4XOlnJ6aS80J4TiUUOIFf7E57OS36T5lNLNYZr1Y7vEOt_oB1f0de0n2imlrQqdD1r64qEoIHKkZkZsT71BYfZvkxFFiDFAvCqnuBeJoCzJjdGh57YpNVVTmgGqKWimqnrK1Q_s5FagtKvW-pqBqq4OhtVYNd74bHW5M33IVE4CEQC_zJshJOcaShOb4JqaG5wPUJKv0AtrQM62q5ftM_3XIPq1aPRo7SgjGPlB3YjbOHDKY6UaChcphkVEI9B2R_SZT0FOeAgqUva3MJ5O2uiXcnPWe3qJ6NSU9VYD5giEtDxrb7A8DIWYhdPXMbiEwfh-MeO1uZxNATWHWVvxFyibRkKYSk3e4bIZXk6HrdUTrVp6iia7yN15ETUqBoWGZ_3SZvwxEc","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>Investitionen in Immobilien brauchen vor allem eines: Geduld und Weitblick. Der Kauf eines Hauses, das Sie selbst bewohnen und das Ihnen nach der Finanzierung zur Gänze gehört, kann eine sinnvolle und inflationsgeschützte Form der Vermögensanlage sein. Anders sieht es bei Anlageimmobilien aus: Hier ist eine genaue Kalkulation entscheidend. Mögliche Leerstände, Instandhaltungs- und Reparaturkosten können die tatsächliche Rendite deutlich schmälern. Trotzdem gilt: Eine Immobilie behält im Normalfall einen realen und substanziellen Wert. Richtig ausgewählt und langfristig gehalten, kann eine Immobilie, ein stabiler Bestandteil Ihrer Anlagestrategie sein.\u003C/p>","\u003Ch3>Immobilien: Solide Anlage mit langfristiger Perspektive\u003C/h3>",{"icon":77,"text":85,"label":86,"__typename":64},{"label":78,"file":79,"__typename":61},"CC280-gold",{"mimeType":54,"directDownloadUrl":80,"downloadUrl":81,"filename":82,"size":83,"content":84,"__typename":60},"https://website-content-service.santanderconsumer.at/storage/69bc121393ed2/cc280gold.svg","https://website-content-service.santanderconsumer.at/media/download/69bc121393ed2/cc280gold.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjcsImV4cCI6MTc4MjE5MzkyNywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxMjEzOTNlZDIvY2MyODBnb2xkLnN2ZyJ9.IYnTMzORmT1kdCWywUp4leIihWweXK_JnribWGaMRr2aTxnijAK56L5nl0V6orfft4ui8emJr2GMzJL8uNwH3hlSrBOmkpU91X-ctV3Y2Mgx1pF3vBMPyU_KevWfjGvgcEyPVT_gofOKzg9jFYONzKYO-0TZHlXD3aW5guJl-P8XbkDoXbmg1B6jV2_di8Gs0F2pbOoUlMZY0qQ-nwG5q92nH2EmAj2n8_1bZVRYb1HBf4X5KG3yZ8nvvLL7ZMr0FUWjmqisT6WfD2rDqVNQRX1gQAUdfaJ52Vo2hvEJFC7U3AAHRc6bDgQ-W6UOVQyQgxu0jsVM9lMBQjAsPZevp2XUPNpfoDu97KX_jgWHgPnVm5RfaJ_fnaaYVrs77BOivZQmrxn5D10MVRN3NUHZZABHo21nVQSzPqGfgLT4-MGBh-j4QK7p9yEshaswJ-laaYjkqSm_0BXKmSttx11MIN4P2W08JFGt0Uedjs9YvSQvKCyxPiR8v16krrzuQbt78fta7-cH5iifv7UkNn1yjQkBWQd4RWJKzZt-Y84RAEW0L7PTsqnbDn66i1OOlryzsWVtAWbLqXm35R_mmdpDhzr6RkwMV8RKVQxTCd9TvpAvvjL6h7P9e9vxiEyHbFaRoT2JFIt5nX9H2o-Hcjuxn5vcAf64rsUNjZJLWFRdNJQ","69bc121393ed2/cc280gold.svg",5540,"\u003C?xml 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In den vergangenen Jahren hat der Goldpreis starke Schwankungen erlebt – mit deutlichen Anstiegen, aber auch zwischenzeitlichen Rückgängen. Im Gegensatz zu Bargeld, das durch Inflation an Kaufkraft verliert, behalten Gold und Silber grundsätzlich ihren Wert, selbst in wirtschaftlich turbulenten Zeiten. Ergänzend sind auch Rohstoffe eine Option, etwa Öl, Kupfer oder seltene Erden, wobei deren Preise stärker von konjunkturellen sowie geopolitischen Entwicklungen abhängen. Kurzfristige Kursschwankungen sollten Sie daher einkalkulieren.\u003C/p>","\u003Ch3>Edelmetalle und Rohstoffe: Wertbeständigkeit mit Geduld\u003C/h3>",{"icon":88,"text":96,"label":97,"__typename":64},{"label":89,"file":90,"__typename":61},"AF020-stock exchange",{"mimeType":54,"directDownloadUrl":91,"downloadUrl":92,"filename":93,"size":94,"content":95,"__typename":60},"https://website-content-service.santanderconsumer.at/storage/69bc13fc247c4/af020stockexchange.svg","https://website-content-service.santanderconsumer.at/media/download/69bc13fc247c4/af020stockexchange.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjcsImV4cCI6MTc4MjE5MzkyNywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxM2ZjMjQ3YzQvYWYwMjBzdG9ja2V4Y2hhbmdlLnN2ZyJ9.gqzRfWyjoDQFHty2ohpDD4Qb_FzwdySWQbQfBUqvgWYefKkCtKnCljfz5iD5vVG9a7A7Fg9aIQxEj5On6lzFnda_Vdppjn91qwRMJb_yjL2GXgdz8VQTRciQrpV-vnMZl_l3yS0ai8MoRPqGZBy9fr302LnOUTVRo11pl0Oh6FxqW00u4pj2PNpCHS0GpCxQk05P1iz8bKnCzZl9B75NBmjkPr8YRFourBvO_dS9vSoJp97mJ-snZCEDI_Y7tNs82ejfcOEq30zhnZC59GuhNSistckyTnsZidDjRUPIPOfCuHDSpCjJ7OvQU8QYQEQnAI52_bhLHz9ZuogyW8cIIMgWlpq2ZByLXxv_vqvg2Mv2cd5lIYHWxKPigTCTyrhiRzipizhCz1dE5REfmi3wXj_vc1QVgRIXpD3srBXE8Du4TV0V2GYkEAPE7Js8IEPZAMRy-SXTbuPqHZ0znE3iRB8uDjn86LLwmgzkVclzhXH6uZnGjI62Pp6Y6YWLFKu9Q_WQ1TR7XBRkVAbUw5Q9VK9HSloQKTlWiDrGdio8pK2y96ur3Gkt1_NHoFty_EMbQL1mm1q3Eqd1Q1x5Hd8Jb_cI3pvtlbN1woeo9NuBjqdoqT1kIOUcd-SRd13iqfS3_OXShx4mrka5GOrxtDGcpl_Oh7gkTFn6JSb7txpfYhM","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>Wenn Sie Ihr Vermögen nachhaltig aufbauen oder erhalten möchten, führen langfristig kaum Wege an Aktien sowie Fonds vorbei. Zahlreiche Studien belegen, dass Wertpapiere über längere Zeiträume hinweg höhere Renditen erzielen als klassische Sparformen. Für eine ausgewogene Strategie empfiehlt es sich, auf solide Unternehmen mit moderater Verschuldung, stabiler Entwicklung und verlässlicher Dividendenausschüttung zu setzen. In der Regel bieten diese Werte geringere Schwankungen und stetige Erträge. Wenn Sie bereit sind, etwas mehr Risiko einzugehen, können Sie in Wachstumsbranchen investieren – etwa Technologie, erneuerbare Energien oder Gesundheitssektor. Hier sind die Kursschwankungen größer, die langfristigen Wertsteigerungspotenziale aber ebenfalls höher.\u003C/p>","\u003Ch3>Wertpapiere: Renditechancen durch langfristiges Denken\u003C/h3>",{"icon":99,"text":107,"label":108,"__typename":64},{"label":100,"file":101,"__typename":61},"AC370-savings",{"mimeType":54,"directDownloadUrl":102,"downloadUrl":103,"filename":104,"size":105,"content":106,"__typename":60},"https://website-content-service.santanderconsumer.at/storage/69bc13e0c509d/ac370savings.svg","https://website-content-service.santanderconsumer.at/media/download/69bc13e0c509d/ac370savings.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjcsImV4cCI6MTc4MjE5MzkyNywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY5YmMxM2UwYzUwOWQvYWMzNzBzYXZpbmdzLnN2ZyJ9.BTIRblP4fE_3fKn4Mn5odfPDqvNRWp4GGbbME6bvpgfj7QVlH9tHen4LLsAnd4xNOUTNwShOhK4t_CNbivS9wukIFHKkIhJm2CsYI2GX_KsZHeT4-P4UxqkN60-1EseQDFqZNfv9iPl_OHBsKjThFLdvLwPdJI2DANaml8F0dDFOmzsQSofyuoSD0jUY6_Fxodk2CE-Njbb-cF8luyCUATRFCUmHXUpI-oShrN0ldwfnC5bwUA7BQN40SMcDaG4hQhetbDRxgJAwPg1iph2hO6jZKQ0QGnmLwGlCmXhDsyjH23kLhQCIjZKUM6HGIT5PwSYbAsRUhlaA2INySNRE4ir3XixSzfkTC31DRSBcWG28Us3UpPCSGyRxU5vwsV6tQN7DiINU4wgKZT1GEeD3lcOOiLW_cNvN3c8tDJ5IpqwYLAWpzuh51rPNME8Mjsv1DToVwH2xS7B7Suf-eV6AiR7NOUKS3StT9NoeXfnRbpkK3MmFGXErttRrJ0D5PTVu2AFMPkeezZq6536M-PaXZKZkS9EFcTD6aiXgcUY_oz6cVL2BwTDF-UNdxBIHJ34xm8yHvJLHrHr5juuSB_BqQw6IWOMD7xURb3OTpfCX03noi9GuhZvKaQLj7-gicOg4uPIdrJgvg7wFwBcbUzYY5Q8BY13fHmXd3feKUnZ2vzc","69bc13e0c509d/ac370savings.svg",3596,"\u003Csvg 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Diese Fonds werden an der Börse gehandelt und sind nicht in ein Unternehmen investiert, sondern einen Index. Zum Beispiel \u003Cstrong>DAX\u003C/strong>, der die 40 größten deutschen Unternehmen inkludiert. Auch \u003Cstrong>MSCI World\u003C/strong>, in dem mehr als 1.500 große Unternehmen aus über 20 Industrieländern erfasst sind. \u003Cstrong>S&P 500\u003C/strong> mit den 500 größten US-Unternehmen und viele weitere ETFs. Durch die Vielzahl an Unternehmen eignen sich ETFs für eine solide Anlage mit gutem Wertsteigerungspotenzial.\u003C/p>\u003Cp>\u003Cstrong>Tipp\u003C/strong>: Mit Fondssparen können Sie einfach und übersichtlich einen langfristigen Sparplan umsetzen – schon ab wenigen Euro im Monat.\u003C/p>","\u003Ch3>Investieren in ETF und Fonds: Macht das für mich Sinn\u003C/h3>","left","69678b7ade69f",{"__typename":20,"backgroundImage":21,"content":112,"theme":26,"imagePositionHorizontal":21,"imagePositionVertical":21,"imageMobilePositionHorizontal":21,"imageMobilePositionVertical":21,"mobileBackgroundDisplay":21,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":116,"anchorTitle":116},[113],{"__typename":11,"text":114,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":115,"anchorTitle":115},"\u003Cp>\u003Ci>\u003Cstrong>Praxisbeispiel\u003C/strong>\u003C/i>\u003C/p>\u003Cp>Sie sparen 100 € pro Monat über 20 Jahre bei einer durchschnittlichen Rendite von 6 % pro Jahr. Sie zahlen also in dieser Zeit 24.000 € ein, verfügen aber durch den Zinseszinseffekt nach 20 Jahren über rund 46.200 € – fast eine Verdoppelung Ihres eingesetzten Kapitals. Davon abziehen müssen Sie Kosten und Steuern.\u003C/p>","691d6fbf4556e","691d6fbf45563",{"__typename":11,"text":118,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":119,"anchorTitle":119},"\u003Ch3>Wie nachhaltige Anlageformen Sorgen reduzieren\u003C/h3>\u003Cp>Auch in der Finanzwelt ist Nachhaltigkeit heute ein Muss. Nachhaltige Anlagen berücksichtigen neben der Rendite auch ökologische, soziale und ethische Kriterien bzw. ESG-Aspekte (Environmental, Social, Governance). Sie können auch im Rahmen von „Green Bonds“ in klimafreundliche Projekte investieren, etwa in private Solarparks von Unternehmen, energieeffiziente Gebäude, Wirtschaftsparks oder staatliche Bahnausbauten. Ein Investment mit „gutem Gewissen“ also, das sich auch auf die Rendite niederschlagen kann.\u003C/p>\u003Ch3>Was sind inflationsgeschützte Anlagen?\u003C/h3>\u003Cp>Darunter sind Investments zu verstehen, die im Wert steigen, wenn die Inflation zunimmt. Das können inflationsindexierte Anleihen von Staaten, Fonds oder auch Unternehmen sein. Das Prinzip: Steigt die Inflation, erhalten Sie automatisch mehr Zinsen bzw. eine höhere Rückzahlung. Diese Anlageform wirft zumeist keine exponentiellen Gewinne ab, ist aber als Beimischung in einem Portfolio sinnvoll.\u003C/p>","691d6fbf45572",{"__typename":11,"text":121,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":122,"anchorTitle":122},"\u003Ch2>Checkliste: Sparen trotz Inflation und Zinstief\u003C/h2>\u003Cp>Sparen in Zeiten hoher Inflation und niedriger Zinsen ist eine Herausforderung – aber machbar.\u003C/p>","ub6",{"__typename":124,"accordionEntries":125,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":157,"anchorTitle":157},"AccordionBlock",[126,130,133,136,139,142,145,148,151,154],{"label":127,"text":128,"__typename":129},"1. Liquiditätsreserve sichern","\u003Cul class=\"checkmark-list\">\u003Cli>Habe ich genug Geld auf meinem Tagesgeldkonto, um 3-6 Monatsausgaben abzudecken?\u003C/li>\u003Cli>Liegt mehr Geld als nötig auf unverzinsten Konten oder Sparbüchern?\u003C/li>\u003C/ul>\u003Cp> \u003C/p>\u003Cp>\u003Cstrong>Tipp\u003C/strong>: Halten Sie nur so viel Bargeld wie nötig. Eine kleine Liquiditätsreserve auf dem Tagesgeldkonto ist sinnvoll, alles darüber hinaus verliert langfristig an Wert.\u003C/p>","AccordionItem",{"label":131,"text":132,"__typename":129},"2. In Sachwerte investieren","\u003Cul class=\"checkmark-list\">\u003Cli>Nutze ich bereits Aktien oder ETFs, um langfristig vom Wirtschaftswachstum zu profitieren?\u003C/li>\u003Cli>Ist mein Portfolio breit gestreut (z.B. MSCI World, All Country World Index)?\u003C/li>\u003Cli>Habe ich Alternativen wie Immobilien, Edelmetalle oder Rohstoffe als Inflationsschutz berücksichtigt?\u003C/li>\u003C/ul>",{"label":134,"text":135,"__typename":129},"3. Nachhaltige und inflationsgeschützte Anlagen prüfen","\u003Cul class=\"checkmark-list\">\u003Cli>Sind nachhaltige Fonds oder ETFs Teil meiner Anlagestrategie?\u003C/li>\u003Cli>Habe ich inflationsindexierte oder grüne Anleihen im Blick?\u003C/li>\u003C/ul>\u003Cp> \u003C/p>\u003Cp>\u003Cstrong>Tipp: \u003C/strong>Investieren Sie in Sachwerte – also in Dinge, die ihren realen Wert behalten. Aktien und ETFs, die auf breite Indizes wie den MSCI World setzen, sind eine gute Basis. Auch Immobilien, Edelmetalle oder Rohstoffe schützen vor Kaufkraftverlust. Wer nachhaltig denkt, kann in grüne oder ESG-Fonds investieren oder inflationsgeschützte Anleihen berücksichtigen.\u003C/p>",{"label":137,"text":138,"__typename":129},"4. Regelmäßiges investieren – auch mit kleinen Beträgen","\u003Cul class=\"checkmark-list\">\u003Cli>Nutze ich einen ETF- oder Fondssparplan?\u003C/li>\u003Cli>Zahle ich monatlich einen festen Betrag ein – egal, wie klein?\u003C/li>\u003Cli>Habe ich meine Sparraten automatisiert?\u003C/li>\u003C/ul>",{"label":140,"text":141,"__typename":129},"5. Schulden abbauen, bevor ich spare","\u003Cul class=\"checkmark-list\">\u003Cli>Habe ich Kredite mit hohen oder variablen Zinsen?\u003C/li>\u003Cli>Kann ich Sondertilgungen leisten, um Zinskosten zu sparen?\u003C/li>\u003Cli>Ist meine Schuldenquote langfristig tragbar?\u003C/li>\u003C/ul>\u003Cp> \u003C/p>\u003Cp>\u003Cstrong>Tipp\u003C/strong>: Regelmäßigkeit schlägt Timing: Mit einem ETF- oder Fondssparplan investieren Sie automatisch – schon mit kleinen Beträgen. Gleichzeitig sollten Sie Schulden abbauen, vor allem teure Kredite mit variablen Zinsen. Jede vorzeitige Tilgung spart bares Geld.\u003C/p>",{"label":143,"text":144,"__typename":129},"6. Immobilien als Schutz vor Inflation prüfen","\u003Cul class=\"checkmark-list\">\u003Cli>Macht Wohneigentum für mich wirtschaftlich Sinn?\u003C/li>\u003Cli>Habe ich aktuelle Immobilienpreise und Finanzierungskonditionen verglichen?\u003C/li>\u003Cli>Bin ich langfristig bereit, die Immobilie selbst zu nutzen?\u003C/li>\u003C/ul>",{"label":146,"text":147,"__typename":129},"7. Edelmetalle und Rohstoffe gezielt einsetzen","\u003Cul class=\"checkmark-list\">\u003Cli>Besitze ich 5-10 % meines Vermögens in Gold oder Silber als Wertstabilisierung?\u003C/li>\u003Cli>Kaufe ich physische Edelmetalle oder setze ich auf börsengehandelte Produkte (ETCs)?\u003C/li>\u003C/ul>\u003Cp> \u003C/p>\u003Cp>\u003Cstrong>Tipp\u003C/strong>: Auch Wohneigentum kann ein Inflationsschutz sein – sofern Kaufpreis, Lage und Finanzierung stimmen. Prüfen Sie genau, bevor Sie sich langfristig binden. Eine Beimischung von Edelmetallen wie Gold oder Silber kann zusätzlich Stabilität ins Portfolio bringen – 5 bis 10 % des Vermögens gelten als sinnvoller Richtwert.\u003C/p>",{"label":149,"text":150,"__typename":129},"8. Diversifikation sicherstellen","\u003Cul class=\"checkmark-list\">\u003Cli>Besteht mein Portfolio aus mehreren Anlageklassen (Aktien, Immobilien, Anleihen, Rohstoffe, Edelmetalle)?\u003C/li>\u003Cli>Ist mein Depot international breit aufgestellt?\u003C/li>\u003C/ul>",{"label":152,"text":153,"__typename":129},"9. Auf Realrendite achten","\u003Cul class=\"checkmark-list\">\u003Cli>Berücksichtige ich bei meinen Anlageentscheidungen Inflation, Steuern und Gebühren?\u003C/li>\u003Cli>Prüfe ich regelmäßig, ob meine Anlagen eine positive Realrendite erzielen?\u003C/li>\u003C/ul>\u003Cp> \u003C/p>\u003Cp>\u003Cstrong>Tipp\u003C/strong>: Am wichtigsten: Nie alles auf eine Karte setzen. Streuen Sie Ihre Anlagen über verschiedene Märkte und Anlageklassen. Nur so reduzieren Sie das Risiko und steigern die Chancen auf eine positive Realrendite – also eine Rendite, die nach Inflation und Steuern wirklich einen Wertzuwachs bringt.\u003C/p>",{"label":155,"text":156,"__typename":129},"10. Finanzwissen laufend erweitern","\u003Cul class=\"checkmark-list\">\u003Cli>Informiere ich mich regelmäßig über Finanzthemen (Podcasts, Blogs, Bücher)?\u003C/li>\u003Cli>Habe ich einen Plan, meine Finanzstrategie jährlich zu überprüfen und anzupassen?\u003C/li>\u003C/ul>\u003Cp> \u003C/p>\u003Cp>\u003Cstrong>Tipp\u003C/strong>: Und zuletzt: Bleiben Sie informiert! Finanzwissen ist der beste Inflationsschutz. Wer regelmäßig liest, zuhört und seine Anlagestrategie überprüft, trifft bessere Entscheidungen – und spart auch in schwierigen Zeiten erfolgreich.\u003C/p>","691d7041794da",{"__typename":11,"text":159,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":160,"anchorTitle":160},"\u003Ch2>Wie unterstützt Santander beim Sparen in Zeiten von Inflation und Zinstief?\u003C/h2>\u003Cp>Gerade in Zeiten, in denen die Inflation Kaufkraft frisst und klassische Sparzinsen unter Druck geraten, ist es wichtig, Sparlösungen zu wählen, die Sicherheit und Flexibilität miteinander verbinden. Santander Österreich bietet mit seinen Sparprodukten verschiedene Wege, um auch im aktuellen Umfeld strukturiert Vermögen aufzubauen – von kurzfristigen Reserven bis zu planbaren Zinserträgen.\u003C/p>","ub7",{"__typename":162,"layout":163,"horizontalAlignment":225,"verticalAlignment":226,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":227,"anchorTitle":227},"LayoutBlock",{"type":164,"left":165,"center":21,"right":198,"centerLeft":21,"centerRight":21,"__typename":224},"union_columns_12_12",[166],{"__typename":167,"icon":168,"image":21,"text":13,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":176,"anchorTitle":176,"theme":177,"contentHead":178,"contentMain":182,"contentMeta":197},"CardAdvancedBlock",{"label":169,"file":170,"__typename":61},"Bestflex",{"mimeType":54,"directDownloadUrl":171,"downloadUrl":172,"filename":173,"size":174,"content":175,"__typename":60},"https://website-content-service.santanderconsumer.at/storage/67347139ed40c/bestflex.svg","https://website-content-service.santanderconsumer.at/media/download/67347139ed40c/bestflex.svg?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJSUzI1NiJ9.eyJpYXQiOjE3ODIxOTAzMjcsImV4cCI6MTc4MjE5MzkyNywiZmlsZXN5c3RlbV9zZXJ2aWNlX2lkIjoibG9jYWwiLCJmaWxlbmFtZSI6IjY3MzQ3MTM5ZWQ0MGMvYmVzdGZsZXguc3ZnIn0.rQ4G5rfOtESzDvhQvMI6jyuwRGKgN5Zf-VruMz88S3mrXeeiWSXJ1_RBcKoqaofqAa7_12kDStFw5FadoDIGEPt6Wl_NgKufE3xf0pIhmZu1kyQMOBSv81f4H0Fi-FqZ87My_B0Zuh4OXEcUy5IrUItXV9fZoXuz50LUeXWbIQJ47ktNu1D0BcmQfpudsx6yd43qWqCp32WMgFb-g3H8x4iERehblVnXPPdAxvCyK6LDPbR62YTAuVnyhvjyCFUDLrhlt_L19CP3byONn65WFZajOT9yX1kW7QEjSykr-WEOSclXCbydowzk8A3uKTvdqBZqbZFCAcIKYJoL2s2kkbKwWIdBL3MAmn7zpFgvAdCJiK7kE_t-XvoJo0_KMMqS2hiVMDTcHkJG48DnsimsPjVD5hyuH_tapRZSxNGbn0qvSzGCL0-3X4tjx2Ox_dWJK9kSTcJOALanOZN1CVK1yRhC8TzgwwOA7OgKEaY1a5ULoE_NU0bfdtWAC5bpH-OznxSTEOTbu3HdwwJuT3luUfwwpJIRaBWQGB5N7eGxOZw7fHvP2orrX3ToLXucOIhOOTCj-MzIjrFpvYrlAJGKqqE9Ml-ReHT7RiOaEpUBo_ODYLaOXbgdpluY2lW45qn8jBcuyXZ7v6RGyULzzsZJgag_ylMN4oxD1Sw9ffl35eY","67347139ed40c/bestflex.svg",1946,"\u003C?xml version=\"1.0\" encoding=\"utf-8\"?>\r\n\u003C!-- Generator: Adobe Illustrator 27.6.1, SVG Export Plug-In . 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class=\"h2\">BestFix\u003C/h3>\u003Ch4 class=\"h5\">Festgeld –\u003Cbr>Planbare Zinsen\u003C/h4>",[214,217],{"__typename":11,"text":215,"textOverlay":13,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":216,"anchorTitle":216},"\u003Cp>Wenn Sie Kapital für einen bestimmten Zeitraum sicher anlegen möchten, bietet das \u003Cstrong>BestFix Festgeldkonto\u003C/strong> eine attraktive Alternative. Die Vorteile auf einen Blick:\u003C/p>\u003Cul>\u003Cli>fixer Zinssatz über gesamte Laufzeit, \u003Cwbr>bis zu 2,30 % p. a. (Stand: April 2026)\u003C/li>\u003Cli>wählbare Laufzeiten zwischen\u003Cwbr> 6 Monaten und 3 Jahren\u003C/li>\u003Cli>Zinsgarantie: Sie wissen von Anfang an,\u003Cwbr> wie viel Sie am Ende erhalten\u003C/li>\u003C/ul>\u003Cp>Das \u003Cstrong>Festgeldkonto \u003C/strong>eignet sich für alle, die kurzfristig nicht auf ihr Geld zugreifen müssen und sich in Zeiten sinkender Zinsen eine stabile Verzinsung sichern wollen.\u003C/p>","69427ce22d9c2",{"__typename":187,"buttonItems":218,"buttonsAligning":195,"height":14,"width":15,"marginBottom":17,"marginTop":16,"anchorSlug":222,"anchorTitle":222},[219],{"__typename":190,"label":220,"buttonDataAttribute":21,"resolvedUrl":221,"targetBlank":193,"theme":194,"buttonSize":27,"withIcon":193,"iconRef":21,"iconPosition":109,"onlyIcon":193,"outline":193,"buttonTitleAttribute":21},"Mehr erfahren","/sparen","6942bab86e108",[],"Layout","justify-between","items-stretch","6942783fa5048",{"__typename":11,"text":229,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":230,"anchorTitle":230},"\u003Ch3>Sicherheit und Einfachheit inklusive\u003C/h3>\u003Cp>Alle Santander Sparprodukte unterliegen der österreichischen \u003Ca href=\"/einlagensicherung\">Einlagensicherung\u003C/a> bis zu 100.000 € pro Person. Außerdem werden Zinsen automatisch versteuert (Kapitalertragsteuer wird direkt abgeführt) – Sie sparen sich also den Verwaltungsaufwand. So profitieren Sie von:\u003C/p>\u003Cul>\u003Cli>Steuereinfachheit – keine komplizierte Steuererklärung nötig\u003C/li>\u003Cli>gesetzlich geschützte Sicherheit Ihrer Ersparnisse\u003C/li>\u003Cli>Online-Zugriff über das Santander Online Banking, jederzeit und transparent\u003C/li>\u003C/ul>","691d8044755db",{"__typename":11,"text":232,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":233,"anchorTitle":233},"\u003Ch3>Clevere Kombination: Das Beste aus beiden Welten herausholen\u003C/h3>\u003Cp>Gerade in unsicheren Zeiten ist eine Kombination aus Tages- und Festgeld oft die klügste Strategie. Damit bleiben Sie einerseits flexibel, nutzen aber gleichzeitig die Chance auf höhere Zinsen.\u003C/p>\u003Cp>\u003Cstrong>Ein einfaches Beispiel zeigt, wie das funktionieren kann: 10.000 € clever aufteilen\u003C/strong>\u003C/p>","691d90b64f449",{"__typename":235,"text":236,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":237,"anchorTitle":237},"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=\"be\">\n                    \u003Cstrong>Betrag\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"lz\" scope=\"col\">\n                    \u003Cstrong>Laufzeit\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"zs\" scope=\"col\">\n                    \u003Cstrong>Zinssatz\u003C/strong>\n                \u003C/th>\n                \u003Cth id=\"eb\" scope=\"col\">\n                    \u003Cstrong>Endbetrag*\u003C/strong>\n                \u003C/th>\n            \u003C/tr>\n        \u003Ctbody>\n            \u003Ctr>\n                \u003Ctd id=\"r1\" headers=\"af\">\n                    \u003Cstrong>BestFlex Tagesgeld\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"be\"> \n                    4.000 €\n                \u003C/td>\n                \u003Ctd headers=\"lz\"> \n                    flexibel\n                \u003C/td>\n                \u003Ctd headers=\"zs\"> \n                    1,3 % p.a. variabel\n                \u003C/td>\n                \u003Ctd headers=\"eb\"> \n                    4.052 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r2\" headers=\"vm\">\n                    \u003Cstrong>BestFix Festgeld\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"be\"> \n                    6.000 €\n                \u003C/td>\n                \u003Ctd headers=\"lz\"> \n                    3 Jahre\n                \u003C/td>\n                \u003Ctd headers=\"zs\"> \n                    2,0 % p.a. fix\n                \u003C/td>\n                \u003Ctd headers=\"eb\"> \n                    6.368 €\n                \u003C/td>\n            \u003C/tr>\n            \u003Ctr>\n                \u003Ctd id=\"r3\" headers=\"vm\">\n                    \u003Cstrong>Gesamtergebnis nach 3 Jahren\u003C/strong>\n                \u003C/td>\n                \u003Ctd headers=\"be\"> \n                    10.000 €\n                \u003C/td>\n                \u003Ctd headers=\"lz\"> \n                    -\n                \u003C/td>\n                \u003Ctd headers=\"zs\"> \n                    -\n                \u003C/td>\n                \u003Ctd headers=\"eb\"> \n                    10.420 €\n                \u003C/td>\n            \u003C/tr>\n        \u003C/tbody>\n    \u003C/table>\n\u003C/figure>","table1",{"__typename":235,"text":239,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":240,"anchorTitle":240},"\u003C!--Variante A -->\n\u003Cdiv class=\"basis-card\">\n    \u003Cdiv class=\"basis-header\">Anlageform: BestFlex Tagesgeld \u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Betrag:\u003C/strong>\u003C/span> 4.000 €\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Laufzeit:\u003C/strong>\u003C/span> flexibel \u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Zinssatz:\u003C/strong>\u003C/span> 1,3 % p.a. variabel\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Endbetrag*:\u003C/strong>\u003C/span> 4.052 €\u003C/div>\n\u003C/div>\n\u003Cdiv class=\"basis-card\">\n    \u003Cdiv class=\"basis-header\">Anlageform: BestFix Festgeld\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Betrag:\u003C/strong>\u003C/span> 6.000 €\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Laufzeit:\u003C/strong>\u003C/span> 3 Jahre \u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Zinssatz:\u003C/strong>\u003C/span> 2,0% p.a. fix\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Endbetrag*:\u003C/strong>\u003C/span> 6.368 €\u003C/div>\n\u003C/div>\n\u003Cdiv class=\"basis-card\">\n    \u003Cdiv class=\"basis-header\">Gesamtergebnis nach 3 Jahren\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Betrag:\u003C/strong>\u003C/span> 10.000 €\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Laufzeit:\u003C/strong>\u003C/span> -\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Zinssatz:\u003C/strong>\u003C/span> -\u003C/div>\n    \u003Cdiv>\u003Cspan>\u003Cstrong>Endbetrag*:\u003C/strong>\u003C/span> 10.420 €\u003C/div>\n\u003C/div>","table2",{"__typename":11,"text":242,"textOverlay":13,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":243,"anchorTitle":243},"\u003Cp>\u003Csub>*Berechnung auf Basis angenommener Zinssätze (Stand: Februar 2026), ohne Berücksichtigung von KESt. Tatsächliche Zinssätze gemäß aktueller Santander Konditionen.\u003C/sub> \u003C/p>\u003Cp>Diese Kombination sorgt dafür, dass Sie jederzeit auf einen Teil Ihres Geldes zugreifen können – und gleichzeitig mit dem gebundenen Anteil stabile Zinsen erzielen. So schützen Sie Ihr Erspartes besser vor der schleichenden Entwertung durch Inflation.\u003C/p>","6926e0b71780f",{"__typename":11,"text":245,"textOverlay":13,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":246,"anchorTitle":246},"\u003Ch2>Häufige Fragen\u003C/h2>","ub8",{"__typename":124,"accordionEntries":248,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":261,"anchorTitle":261},[249,252,255,258],{"label":250,"text":251,"__typename":129},"Wann gibt es wieder höhere Zinsen fürs Sparen in Österreich?","\u003Cp>Wahrscheinlich nicht so bald, das hängt von der weiteren Entwicklung des Leitzinses der EZB ab. Manche Marktbeobachter rechnen damit, dass er sich 2026 auf rund 1,75 % bis 2 % einpendeln könnte. Das würde noch niedrigere Sparzinsen bedeuten.\u003C/p>",{"label":253,"text":254,"__typename":129},"Warum sinken die Zinsen, obwohl die Inflation hoch ist?","\u003Cp>Die Europäische Zentralbank hat die Leitzinsen mit Ende Dezember 2025 wie bisher bei 2,0 % belassen. Einige Expertinnen und Experten rechnen für 2026 mit fallenden Zinsen, weil die Inflation in Europa insgesamt – aber derzeit nicht in Österreich – auf dem gewünschten Zielpfad von 2,0 % ist. Eine Senkung des Leitzinses ist somit nicht ausgeschlossen.\u003C/p>",{"label":256,"text":257,"__typename":129},"Was passiert mit meinem Geld auf dem Sparbuch bei Inflation?","\u003Cp>Übersteigen die Zinsen, die man für sein Erspartes erhält, die Inflation, verliert Ihr Kapital an Kaufkraft. Steigende Preise können den Wert des bereits angesparten Vermögens auf lange Sicht massiv reduzieren.\u003C/p>",{"label":259,"text":260,"__typename":129},"Wie geht es mit der Inflation in Österreich weiter?","\u003Cp>In einem WIFO Research Brief (Oktober 2025) wird eine Inflationsprognose dargestellt. Das WIFO erwartet für das Jahr 2026 eine Inflationsrate von 2,4 %, daraus ergibt sich eine Aufwärtsrevision von +0,2 Prozentpunkten.\u003C/p>","69ef2441aa9d5",{"__typename":11,"text":263,"textOverlay":13,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":264,"anchorTitle":264},"\u003Ch2>Fazit\u003C/h2>\u003Cp>Inflation ist eine Herausforderung, die niedrigen Zinsen sind nicht gerade ermutigend. Aber wer sein Geld sinnvoll arbeiten lässt, wird auch im aktuellen Umfeld eine schöne Rendite erzielen können. Mit Wissen, Strategie und den richtigen Produkten können Sie Kaufkraftverlust vermeiden und gleichzeitig Vermögen aufbauen.\u003C/p>\u003Cp>Die \u003Cstrong>Santander Bank Österreich\u003C/strong> unterstützt Sie dabei, Ihre Sparziele zu erreichen – transparent, flexibel und sicher. Ob kurzfristige Rücklage oder planbare Zinsen über mehrere Jahre: Mit BestFlex und BestFix haben Sie zwei solide Bausteine, um Ihr Vermögen sinnvoll zu strukturieren.\u003C/p>\u003Cp>Wer zusätzlich über den Tellerrand hinausblickt – etwa in Richtung ETFs, Fonds oder nachhaltiger Investments – kann langfristig die Inflation noch besser ausgleichen. Santander bietet dazu umfassende Informationen und Beratung, damit Sie Ihre persönliche Sparstrategie optimal gestalten können.\u003C/p>","ub9",{"__typename":20,"backgroundImage":21,"content":266,"theme":26,"imagePositionHorizontal":21,"imagePositionVertical":21,"imageMobilePositionHorizontal":21,"imageMobilePositionVertical":21,"mobileBackgroundDisplay":21,"height":14,"width":15,"marginBottom":27,"marginTop":17,"anchorSlug":305,"anchorTitle":305},[267],{"__typename":162,"layout":268,"horizontalAlignment":225,"verticalAlignment":226,"height":14,"width":15,"marginBottom":16,"marginTop":17,"anchorSlug":304,"anchorTitle":304},{"type":269,"left":270,"center":274,"right":290,"centerLeft":21,"centerRight":21,"__typename":224},"union_columns_8_8_8",[271],{"__typename":11,"text":272,"textOverlay":13,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":273,"anchorTitle":273},"\u003Ch2>Noch Fragen?\u003C/h2>\u003Cp>Gerne beantworten wir\u003Cwbr> Ihre individuellen Fragen.\u003C/p>","69329024e3023",[275],{"__typename":276,"buttonItems":277,"buttonsAligning":195,"icon":278,"image":21,"calculatedImageCustomAltText":21,"imageCustomCaptionText":13,"hideOnMobile":193,"hideCaption":193,"lazyload":286,"text":287,"title":288,"height":14,"width":15,"marginBottom":17,"marginTop":17,"anchorSlug":289,"anchorTitle":289,"fullWidthImage":193},"CardBlock",[],{"label":279,"file":280,"__typename":61},"CA110-account 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