Geld anlegen für Kinder
Wilkommen zur Finanz Academy
11Mär
1Reply

Geld anlegen für Kinder

by Timo   |   11 Mär, 2017

1 Kommentare

Ich bekomme in letzter Zeit häufiger die Frage gestellt, wie man denn am besten Geld für sein Kind anlegen sollte?

Sparbuch, Tagesgeld... ist ja alles recht und schön, aber mit Sicherheit ist dies in der jetzigen 0% Zinsphase nicht das richtige.

Eine einfache Erklärung macht dies deutlich:
In unserem Beispiel rechnen wir mit einer Laufzeit von 18 Jahren und einer Sparrate von monatlich 100€

Sparbuch: Aktuell 0,05% Zins

Einzahlungen: 21.600€
Zinsen: 97,92€
Endkapital: 21.697,92€
Endkapital nach Inflation (Durchschnitt letzte 5 Jahre - 1,12%) : 17.756,24€**

Gewinn : -3.843,76€ 

Aktiendepot: Rendite 6,6% letzte 200 Jahre***

Einzahlungen: 21.600€
Kursgewinne: 19.068,86€
Endkapital: 40.668,86€
Endkapital nach Inflation (Durchschnitt letzte 5 Jahre - 1,12%) : 33.280,89€**

Gewinn: 11.680,89€ (vor Steuern)

Somit wird einem sehr schnell klar, das Geldwerte (Tagesgeld, Sparbuch) hier nicht wirklich weiterhelfen, im Gegenteil hier wird definitiv Geld vernichtet.
Bei einem Aktiendepot kann sich dein Kind von dem Kursgewinn später einmal mindestens den Führerschein, sowie eine eventuelle Anzahlung eines Autos leisten.

Was zu tun ist, ist nun relativ einfach:
Die Lösung heißt Aktien, bzw. ETF Sparplan und dies ist bereits schon ab 25€ im Monat möglich.

Ein ETF ist eine passive Anlagestrategie, in der man kostengünstig in die größten Unternehmen (wie Apple, Amazon,... ) investieren kann.

Zu beachten gilt generell, dass Wertpapiere schwanken können und es dafür einen langen Anlagehorizont von 5-10 Jahren geben sollte, der in diesem Fall aber erfüllt ist.

Am besten schließt du ein Depot bei einer Direktbank, z.B. bei der Comdirect Bank* ab.
Du musst hierbei darauf achten, dass es sich um ein Junior Depot handelt, da nicht alle Banken ein solches anbieten.
Wenn du bei der Comdirect Bank regelmäßig investiert (durch den Sparplan gegeben) ist das Depot kostenlos.

Für einen Sparplan kann man als Beispiel in den IShares Core MSCI World UCITS ETF - WKN: IE00B4L5Y983 investieren.
Hier werden die Dividenden auch wieder angelegt (thesaurierend), sodass man sich nicht um die Wiederanlage der Dividenden kümmern muss.

Ein alternativer ETF auf den MSCI World wäre noch der UBS ETF-MSCI World UCITS ETF - WKN: LU0340285161, dieser schüttet die Dividenden aber aus.

Beide ETF machen eine sogenannte physische Nachbildung des Index, auf dieses sollte generell geachtet werden.
Vorteil: Hier kauft der Indexanbieter die Titel direkt und geht nicht ein sogenanntes Tausch Geschäft ein.

Wenn du nun wissen willst, wie du das Thema im Detail in die Tat umsetzt, dann schaue Dir einfach dazu mein Video im Trainingsbereich an.

**Berechnungen mit zinsen-berechen.de

*** Berechnung nach Jeremy Siegel - Aktien für die Ewigkeit

Bitte beachten: Die angegebenen ETF´s wurden nur beispielhaft genannt, es handelt sich dabei um keine Anlageempfehlung

 

1 Kommentare
  • avatar
    9:00 AM - 13 März 2017  / 

    klasse Beitrag, wird für meine Zukunftspläne sehr hilfreich sein.

Hinterlasse ein Kommentar

Plain text

  • Keine HTML-Tags erlaubt.
  • Internet- und E-Mail-Adressen werden automatisch umgewandelt.
  • HTML - Zeilenumbrüche und Absätze werden automatisch erzeugt.
input:focus, select:focus, textarea:focus { border-color: #2d3e50; } a { color: #2d3e50; } .radio i, .checkbox i { color: #2d3e50; } .radio i:before { background-color: #2d3e50; } .button, .btn-default { border-color: #2d3e50; background-color: #2d3e50; } .button:hover { color: #2d3e50; } .page-header-top { background-color: #2d3e50; } .page-header-bottom-alt { background-color: #2d3e50; } .page-intro:after { background-color: #2d3e50; } .page-intro:before { background-color: #2d3e50; } .page-content-section-bg { background-color: #2d3e50; } .page-content-section-bg:before { background-color: #2d3e50; } .page-content-section-border { border-top-color: #2d3e50; } .page-footer { background-color: #2d3e50; } .block-head-1 { border-bottom-color: #2d3e50; } .block-head-1 i { background-color: #2d3e50; } .block-head-2:after { background-color: #2d3e50; } .block-head-2 i:after, .block-head-2 i:before { background-color: #2d3e50; } .block-head-3 { border-bottom-color: #2d3e50; } .block-head-3 i:after { background-color: #2d3e50; } .block-head-4:after { background-color: #2d3e50; } .block-head-7 { border-bottom-color: #2d3e50; } .block-head-7:after { background-color: #2d3e50; } .page-content-section-bg .block-head-3 i { color: #2d3e50; } .main-search button { color: #2d3e50; } .main-search button:after { background: #2d3e50; } .main-nav li a { color: #2d3e50; } .main-nav li a:before { background-color: #2d3e50; } .main-nav li ul { background-color: #2d3e50; } .main-nav li li:hover > a, .main-nav li li.active > a, #block-newsletter-newsletter-subscribe .form-submit:hover, .block-product-details .add-wishlist .button-alt:hover, .block-product-details-2 .add-wishlist .button-alt:hover { color: #2d3e50; } .main-nav .switcher { border-color: #2d3e50; background-color: #2d3e50; } .main-nav .mega > div { background-color: #2d3e50; } #block-newsletter-newsletter-subscribe .form-submit, .btn-primary:hover, .btn-primary:focus, .btn-primary:active { border-color: #2d3e50; background-color: #2d3e50; } .art-portfolio ol li.active, .ui-slider-horizontal .ui-slider-handle, .ui-slider-horizontal .ui-slider-range, .btn-primary.link { background-color: #2d3e50; } .btn-primary, .button:hover, .btn-default:hover, .btn-default:focus, .btn-default:active { border-color: #2d3e50; color: #2d3e50; } .btn-primary.link:hover, .btn-primary.link:focus, .btn-primary.link:active { color: #2d3e50; } } @media screen and (max-width: 767px) { /* phone */ .main-nav ul { background-color: #2d3e50; } .main-nav li a { color: #ecf0f1; } .main-nav li ul { background: #e9e9e9; } .main-nav li li { border-top-color: #2d3e50; } .main-nav li li a { color: #2d3e50; } .main-nav li li a:hover { background-color: #2d3e50; color: #fff; } .main-nav li li ul { border-top-color: #2d3e50; } .main-nav .mega ul li { border-top-color: #2d3e50; } } .slider-revolution .fa:after { background-color: #2d3e50; } .slider-revolution .title { border-top-color: 1px solid #2d3e50; border-bottom-color: 1px solid #2d3e50; } .slider-revolution .button-my { border-color: #2d3e50; background-color: #2d3e50; } .slider-revolution .button-my:hover { color: #2d3e50; } .pagination-1 a:hover { border-color: #2d3e50; color: #2d3e50; } .pagination-1 .active, .pagination-1 .active:hover { border-color: #2d3e50; background: #2d3e50; } .pagination-2 a:hover { color: #2d3e50; } .pagination-2 .active, .pagination-2 .active:hover { background: #2d3e50; } .pagination-3 a:before { box-shadow: inset 0 0 0 1px #2d3e50; } .pagination-3 .active:before, .pagination-3 .active:hover:before { background: #2d3e50; } .pagination-4 a:hover { border-color: #2d3e50; } .pagination-4 .active { border-color: #2d3e50; background: #2d3e50; } .pagination-5 a { border-color: #2d3e50; background-color: #2d3e50; color: #2d3e50; } .block-benefits div:hover { border-color: #2d3e50; background-color: #2d3e50; } .block-benefits i { color: #2d3e50; } .block-benefits-2 li i { color: #2d3e50; } .block-benefits-2 .tabs a:hover { border-color: #2d3e50; background-color: #2d3e50; } .block-benefits-2 .tabs .active a, .block-benefits-2 .tabs .active a:hover { color: #2d3e50; } .block-benefits-3 i { color: #2d3e50; } .block-about .button { border-color: #2d3e50; color: #2d3e50; } .block-about .button:hover { background: #2d3e50; color: #ecf0f1; } .block-about .owl-prev:hover, .block-about .owl-next:hover { color: #2d3e50; } .block-about-2 .bar { background: #2d3e50; } .block-about-2 .value { color: #2d3e50; } .block-about-4 .owl-pagination div { border-color: #2d3e50; background: #2d3e50; } .block-about-5 .owl-prev, .block-about-5 .owl-next { display: inline-block; border-color: #2d3e50; background-color: #2d3e50; } .block-about-5 .owl-prev:hover, .block-about-5 .owl-next:hover { color: #2d3e50; } .block-about-6 .icons a:hover { color: #2d3e50; } .block-mission .year { background: #2d3e50; } .block-mission .years a:after { border-bottom-color: #2d3e50; } .block-recent-works ol li:hover { color: #2d3e50; } .block-recent-works ol .active { border-color: #2d3e50; background: #2d3e50; } .block-recent-works .description { background: #2d3e50; } .block-recent-works .description:before { border-right-color: #2d3e50; } .block-recent-works-3 h3 { border-top-color: #2d3e50; } .block-recent-works-3 .link { border-color: #2d3e50; } .block-recent-works-3 .fancybox { background-color: #2d3e50; } .block-recent-works-3 .owl-pagination div { border-color: #2d3e50; background: #2d3e50; } .block-recent-works-4:before { background: #2d3e50; } .block-recent-works-4 .fancybox { background: #2d3e50; } .block-recent-works-4 .owl-prev:hover, .block-recent-works-4 .owl-next:hover { color: #2d3e50; } .block-recent-works-6 a:before { background: #2d3e50; } .block-recent-works-6 .owl-prev, .block-recent-works-6 .owl-next { border-color: #2d3e50; background: #2d3e50; } .block-recent-works-6 .owl-prev:hover, .block-recent-works-6 .owl-next:hover { color: #2d3e50; } .block-portfolio ol li:hover { color: #2d3e50; } .block-portfolio ol li.active { border-bottom-color: #2d3e50; } .block-portfolio ul .pic span:after, .block-portfolio ul .pic span:before { background: #2d3e50; } .block-portfolio ul .pic span i { color: #2d3e50; } .block-portfolio-2 ol li:hover { color: #2d3e50; } .block-portfolio-2 ol li.active { background: #2d3e50; } .block-portfolio-2 ul .pic:before { background: #2d3e50; } .block-portfolio-2 ul .pic a { background: #2d3e50; } .block-portfolio-2 ul .pic a:hover { color: #2d3e50; } .block-portfolio-3 ol li:hover { color: #2d3e50; } .block-portfolio-3 ol li.active { background: #2d3e50; } .block-portfolio-4 h3 { border-top-color: #2d3e50; } .block-portfolio-4 .link { border-color: #2d3e50; } .block-portfolio-4 .fancybox { background: #2d3e50; } .block-portfolio-5 ol li:hover { color: #2d3e50; } .block-portfolio-5 ol li.active { background: #2d3e50; } .block-portfolio-5 .info:before { background: #2d3e50; } .block-portfolio-6 ol li:hover { color: #2d3e50; } .block-portfolio-6 ol li.active { background: #2d3e50; } .block-portfolio-6 ul a:before { background: #2d3e50; } .block-portfolio-7 ol li:hover { color: #2d3e50; } .block-portfolio-7 ol li.active { background: #2d3e50; } .block-portfolio-7 ul li:before { background: #2d3e50; } .block-portfolio-7 ul a:hover { color: #2d3e50; } .block-portfolio-8 li div:before { background: #2d3e50; } .block-portfolio-8 li a { background: #2d3e50; } .block-clients .owl-prev, .block-clients .owl-next { color: #2d3e50; } .block-testimonials-3 .carousel h3 { border-bottom-color: #2d3e50; } .block-testimonials-3 .owl-pagination div { border-color: #2d3e50; } .block-testimonials-3 .owl-pagination .active { background: #2d3e50; } .block-testimonials-4 .owl-prev, .block-testimonials-4 .owl-next { border-color: #2d3e50; background: #2d3e50; } .block-testimonials-4 .owl-prev:hover, .block-testimonials-4 .owl-next:hover { color: #2d3e50; } .block-services li a { border-color: #2d3e50; } .block-services li a:hover { background-color: #2d3e50; } .block-services-2 li a:hover { background: none; } .block-services-2 li a:after { box-shadow: inset 0 0 0 2px #2d3e50; } .block-services-2 li a:hover:after { background-color: #2d3e50; } .block-services-3 li a:hover { background: none; } .block-services-3 li a:after { box-shadow: inset 0 0 0 2px #2d3e50; } .block-services-3 li a:before { background: #2d3e50; box-shadow: inset 0 0 0 2px #2d3e50; } .block-services-3 li a:hover:after { background-color: #2d3e50; } .block-services-4 li a { border-color: #2d3e50; } .block-services-4 li a:hover { background-color: #2d3e50; } .block-services-5 li i { color: #2d3e50; } .block-services-5 li i:hover { background: #2d3e50; } .block-services-6 h3 span { color: #2d3e50; } .block-services-6 li a { border-color: #2d3e50; background: #2d3e50; } .block-services-6 li a:hover { color: #2d3e50; } .block-services-7 .info i { background: #2d3e50; } .block-services-7 .carousel .active { background: #2d3e50; } .block-services-7 .carousel .owl-prev, .block-services-7 .carousel .owl-next { border-color: #2d3e50; background: #2d3e50; } .block-services-7 .carousel .owl-prev:hover, .block-services-7 .carousel .owl-next:hover { color: #2d3e50; } .block-pricing dt { color: #2d3e50; } .block-pricing .price:before { background: #2d3e50; } .block-pricing li:hover .inner { background: #2d3e50; } .block-pricing li:hover .button { color: #2d3e50; } .block-pricing li:hover .button:hover { background: #2d3e50; } .page-content-section .block-pricing .inner { box-shadow: 0 0 0 1px #2d3e50; } .block-pricing-2 dt { color: #2d3e50; } .block-pricing-2 .price { background: #2d3e50; } .block-pricing-2 .button { color: #2d3e50; } .block-pricing-2 li:hover .inner { background: #2d3e50; } .block-pricing-2 li:hover .button:hover { background: #2d3e50; } .block-progress li i { border-color: #2d3e50; color: #2d3e50; } .block-team-2 .pic:before { background-color: #2d3e50; } .block-team-2 .icons a { color: #2d3e50; } .block-team-3 .pic:before { background-color: #2d3e50; } .block-team-3 .icons a { color: #2d3e50; } .block-team-3 .info h3 { color: #2d3e50; } .block-team-list .pic span:after { background-color: #2d3e50; } .block-team-list .icons a:hover { color: #2d3e50; } .block-team-list .icons a:before { background: #2d3e50; } .block-team-list .skills { border-top-color: #2d3e50; border-bottom-color: #2d3e50; } .block-team-grid .pic:before { background-color: #2d3e50; } .block-skills i:before { background-color: #2d3e50; } .block-skills .bar { border-color: #2d3e50; background-color: #2d3e50; } .block-skills-2 i:before { background-color: #2d3e50; } .block-skills-2 .bar { border-color: #2d3e50; background-color: #2d3e50; } .block-capabilities h3 { color: #2d3e50; } .block-capabilities-2 h3 { color: #2d3e50; } .block-recent-posts .info { background-color: #2d3e50; } .block-recent-posts-2:before { background-color: #2d3e50; } .block-recent-posts-2 li .button { color: #2d3e50; } .block-recent-posts-2 li .button:hover { background-color: #2d3e50; } .block-recent-posts-2 .button-more { color: #2d3e50; } .block-recent-posts-2 .button-more:hover { background-color: #2d3e50; } .block-featured-posts .pic:before { background-color: #2d3e50; } .block-blog-list .link { background: #2d3e50; } .block-blog-list .date:before { background-color: #2d3e50; } .block-blog-list .date-alt { background-color: #2d3e50; } .block-blog-list .zoom { background-color: #2d3e50; } .block-blog-grid .link { background: #2d3e50; } .block-blog-grid .date:before { background-color: #2d3e50; } .block-blog-grid .pic:hover .date { color: #2d3e50; } .block-blog-grid .zoom { color: #2d3e50; } .block-blog-details .date:before, .block-blog-details .reply:before, .block-blog-details .type:before { background-color: #2d3e50; } .block-blog-details .date-alt { background-color: #2d3e50; } .block-blog-details .share a:before { border-color: #2d3e50; background: #2d3e50; } .block-blog-details .share a:hover { color: #2d3e50; } .block-blog-details .about:before { background: #2d3e50; } .block-catalog-toolbar .view a:hover { border-color: #2d3e50; color: #2d3e50; } .block-catalog-toolbar .view .active, .block-catalog-toolbar .view .active:hover { border-color: #2d3e50; background: #2d3e50; } .block-catalog-toolbar .direction { border-color: #2d3e50; background: #2d3e50; } .block-catalog-toolbar .direction:hover { color: #2d3e50; } .block-catalog-grid .pic:before { background: #2d3e50; } .block-catalog-grid .badge { background: #2d3e50; } .block-catalog-grid .price { color: #2d3e50; } .block-catalog-grid .owl-prev, .block-catalog-grid .owl-next { border-color: #2d3e50; background: #2d3e50; } .block-catalog-grid .owl-prev:hover, .block-catalog-grid .owl-next:hover { color: #2d3e50;; } .block-catalog-list .pic:after { background-color: #2d3e50; } .block-catalog-list .badge:before { background-color: #2d3e50; } .block-catalog-list .price { color: #2d3e50; } .block-catalog-list .owl-prev, .block-catalog-list .owl-next { border-color: #2d3e50; background-color: #2d3e50; } .block-catalog-list .owl-prev:hover, .block-catalog-list .owl-next:hover { color: #2d3e50;; } .block-product-details .price { color: #2d3e50; } .block-product-details .button-alt { color: #2d3e50; } .block-product-details-2 .button-alt { color: #2d3e50; } .block-product-details-2 .share a:before { background-color: #2d3e50; box-shadow: 0 0 0 2px #2d3e50; } .block-product-details-2 .share a:hover { color: #2d3e50; } .block-product-info .owl-prev, .block-product-info .owl-next { border-color: #2d3e50; background-color: #2d3e50; } .block-product-info .owl-prev:hover, .block-product-info .owl-next:hover { color: #2d3e50; } .block-product-tabs .head .active { color: #2d3e50; } .block-product-tabs .head .active:before { border-top-color: #2d3e50; } .block-shopping-cart th { border-top-color: #2d3e50; color: #2d3e50; } .block-shopping-cart .price { color: #2d3e50; } .block-shopping-cart .remove { border-color: #2d3e50; background-color: #2d3e50; } .block-shopping-cart .remove:hover { color: #2d3e50; } .block-shopping-cart .quantity a { color: #2d3e50; } .block-shopping-cart .empty td { border-bottom-color: #2d3e50; } .block-shopping-cart-totals dd { color: #2d3e50; } .block-shopping-cart-totals .button-alt { color: #2d3e50; } .block-checkout-order td:last-child { color: #2d3e50; } .block-checkout-payment label { color: #2d3e50; } .block-welcome .icons i:after { border-color: #2d3e50; background: #2d3e50; } .block-welcome .icons a:hover i { color: #2d3e50; } .block-pasteboard:before { background: #2d3e50; } .block-pasteboard .icons a:hover { color: #2d3e50; } .block-map-3 .block-head { color: #2d3e50; } .block-contacts ul li:after, .block-contacts ul li:before { border-color: #2d3e50; background-color: #2d3e50; } .block-contacts ul li:before { background-color: #fff; } .block-contacts ul li span { border-bottom-color: #2d3e50; } .block-contacts ul .active { color: #2d3e50; } .block-contacts ul .active:before { background-color: #2d3e50; } .block-contacts ol { border-top-color: #2d3e50; } .block-contacts ol li { color: #2d3e50; } .block-contacts ol li i:after { background-color: #2d3e50; } .block-feedback .message i, .block-feedback-2 .message i { color: #2d3e50; } .block-not-found h3 { color: #2d3e50; } .block-not-found .pic:before { background-color: #2d3e50; } .block-not-found .pic div:before { background-color: #2d3e50; } .block-not-found-2 .button { color: #2d3e50; } .block-not-found-2 .button:hover { background: #2d3e50; } .block-coming-soon li:before { background-color: #2d3e50; } .block-coming-soon-2 li:after { background-color: #2d3e50; } .widget-categories a:hover, .widget-categories a.active { color: #2d3e50; } .widget-top-posts a:hover { color: #2d3e50; } .widget-text hr { border-top-color: #2d3e50; } .widget-text em { color: #2d3e50; } .widget-archive a:hover, .widget-archive a.active { color: #2d3e50; } .widget-tags a:hover { color: #2d3e50; } .widget-categories-filter a:hover { color: #2d3e50; } .widget-categories-filter .active { color: #2d3e50; } .widget-categories-filter .active span { background-color: #2d3e50; } .widget-price-filter .ui-slider-range { background-color: #2d3e50; } .widget-price-filter .ui-slider-handle { background-color: #2d3e50; } .widget-color-filter .active:before { border-color: #2d3e50; } .widget-top-products .pic i { background-color: #2d3e50; } .main-nav ul { background-color: #2d3e50; }