{"id":144314,"date":"2026-10-01T05:05:10","date_gmt":"2026-10-01T03:05:10","guid":{"rendered":"https:\/\/news.abusizz.ch\/was-ist-das-altersvorsorgedepot-einfach-erklaert\/"},"modified":"2026-10-01T05:05:10","modified_gmt":"2026-10-01T03:05:10","slug":"was-ist-das-altersvorsorgedepot-einfach-erklaert","status":"publish","type":"post","link":"https:\/\/news.abusizz.ch\/en\/was-ist-das-altersvorsorgedepot-einfach-erklaert\/","title":{"rendered":"Was ist das Altersvorsorgedepot? Einfach erkl\u00e4rt"},"content":{"rendered":"<div>\n<div class=\"iframe-youtube-container\"><\/div>\n<p>\u00a0<\/p>\n<h3>Schnell informiert<\/h3>\n<ul>\n<li>Das Altersvorsorgedepot soll die private Altersvorsorge st\u00e4rker mit dem Kapitalmarkt verbinden.<\/li>\n<li>Das angesparte Geld kann in Fonds und ETFs investiert werden.<\/li>\n<li>Vorgesehen sind unterschiedliche M\u00f6glichkeiten \u2013 vom einfacheren Standarddepot bis zum frei gestaltbaren Altersvorsorgedepot.<\/li>\n<li>Eine verpflichtende Kapitalgarantie soll es nicht geben. Dadurch entstehen h\u00f6here Renditechancen, aber auch st\u00e4rkere Schwankungen.<\/li>\n<\/ul>\n<p><strong>Was ist das Altersvorsorgedepot?<\/strong><\/p>\n<p>Nach der gesetzlichen Rente und der Riester-Rente geht es in Folge 3 von \u201eFinanzen verstehen\u201c um einen neuen Ansatz f\u00fcr die private Altersvorsorge: das Altersvorsorgedepot.<\/p>\n<p>Die Grundidee ist vergleichsweise einfach: Statt Altersvorsorgeprodukte zwingend mit einer Kapitalgarantie zu verbinden, soll das angesparte Geld st\u00e4rker am Kapitalmarkt investiert werden k\u00f6nnen. Dabei kommen unter anderem Fonds und ETFs infrage.<\/p>\n<p>F\u00fcr Sparer sollen unterschiedliche M\u00f6glichkeiten zur Verf\u00fcgung stehen. Wer es m\u00f6glichst einfach halten m\u00f6chte, kann sich f\u00fcr ein Standarddepot mit klaren Vorgaben entscheiden. Wer mehr Auswahl und eigenen Entscheidungsspielraum m\u00f6chte, kann ein frei gestaltbares Altersvorsorgedepot nutzen.<\/p>\n<p>Ein wesentlicher Unterschied zu klassischen Garantieprodukten ist die fehlende verpflichtende Kapitalgarantie. Dadurch kann ein gr\u00f6\u00dferer Teil des Geldes am Kapitalmarkt investiert werden. Das er\u00f6ffnet h\u00f6here Renditechancen, bedeutet gleichzeitig aber auch st\u00e4rkere Schwankungen.<\/p>\n<p>Im Video erkl\u00e4ren wir, <strong>wie das Altersvorsorgedepot grunds\u00e4tzlich funktionieren soll, welche Varianten vorgesehen sind und welche Rolle Fonds und ETFs dabei spielen.<\/strong><\/p>\n<p class=\"p1\">Abonniert unseren <a href=\"https:\/\/www.youtube.com\/@ftd_de\"><span class=\"s1\">Youtube channel<\/span><\/a> oder den <a href=\"https:\/\/www.ftd.de\/newsletter-anmeldung\" target=\"_blank\" rel=\"noopener\">ftd.de Newsletter<\/a>!<\/p>\n<p>The contribution <a href=\"https:\/\/www.ftd.de\/videos\/was-ist-das-altersvorsorgedepot-einfach-erklaert\/\">Was ist das Altersvorsorgedepot? Einfach erkl\u00e4rt<\/a> appeared first <a href=\"https:\/\/www.ftd.de\/\">ftd.de<\/a>.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>\u00a0 Schnell informiert Das Altersvorsorgedepot soll die private Altersvorsorge st\u00e4rker mit dem Kapitalmarkt verbinden. Das angesparte Geld kann in Fonds und ETFs investiert werden. Vorgesehen sind unterschiedliche M\u00f6glichkeiten \u2013 vom einfacheren Standarddepot bis zum frei gestaltbaren Altersvorsorgedepot. Eine verpflichtende Kapitalgarantie soll es nicht geben. Dadurch entstehen h\u00f6here Renditechancen, aber auch st\u00e4rkere Schwankungen. Was ist das [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[22,1],"tags":[],"class_list":["post-144314","post","type-post","status-publish","format-standard","hentry","category-ft","category-topstory"],"_links":{"self":[{"href":"https:\/\/news.abusizz.ch\/en\/wp-json\/wp\/v2\/posts\/144314","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/news.abusizz.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/news.abusizz.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/news.abusizz.ch\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/news.abusizz.ch\/en\/wp-json\/wp\/v2\/comments?post=144314"}],"version-history":[{"count":0,"href":"https:\/\/news.abusizz.ch\/en\/wp-json\/wp\/v2\/posts\/144314\/revisions"}],"wp:attachment":[{"href":"https:\/\/news.abusizz.ch\/en\/wp-json\/wp\/v2\/media?parent=144314"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/news.abusizz.ch\/en\/wp-json\/wp\/v2\/categories?post=144314"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/news.abusizz.ch\/en\/wp-json\/wp\/v2\/tags?post=144314"}],"curies":[{"name":"what","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}