Fondssparen

Unter Fondssparen versteht man das Anlegen eines festen Betrags in Aktienfonds. Die Anteile werden hierbei in einem festgelegtem Intervall gekauft (z.B. monatlich, vierteljährlich, etc.).Um einen Fondssparplan eröffnen zu können benötigt man ein Depot bei einem Broker, der auch Fondssparpläne anbietet. Je nach Anlagestrategie sollten Fonds aus den Bereichen: Aktienfonds, Rentenfonds, Immobilienfonds, Dachfonds ausgewählt werden.

Aktienfonds, bei denen sich ein Fondsparplan zum Vermögensaufbau anbietetn, haben in der Regel eine höhere Volatilität aber auch eine höhere Renditechance gegenüber Renten- oder Immobilienfonds.

Pro:

  • Cost-Average-Effekt: Bei höheren Kursen werden weniger Anteile gekauft als bei niedrigen Kursen. Dadurch ergibt sich bei längerer Laufzeit ein mittlerer Einstiegskurs
  • Regelmäßiges Investieren hilft beim Sparen: Schon mit 50-100€/Monat lassen sich Sparpläne realisieren. Dies ist in der Regel auch bei geringem Einkommen möglich
  • Eine Sinnvolle Risikoverteilung ist beim Aktienkauf mit denselben niedrigen Beträgen kaum möglich
  • Flexibilität: Sparverträge können jederzeit ausgesetzt werden

Kontra:

  • Da die Werte von Aktienfonds genauso wie der Wert von Aktien auch Fallen können, ist Fondsparen nur als langfristiger Kapitalaufbau (Zeitraum > 10 Jahre) Sinnvoll.
  • Totalverlust der Kapitalanlage unwahrscheinlich, aber möglich

Fazit:
Fondsparpläne können eine Sinnvolle Ergänzung zur Vermögensbildung sein. Sollte man auf das Anlagekapital jedoch kurz oder Mittelfristig angewiesen sein ist die Anlage auf einem Tagesgeldkonto eine bessere Alternative. Die Anzahl und die Qualität der Angebotenen Fonds unterscheidet sich bei unterschiedlichen Brokern teilweise sehr. Es ist also ratsam erst einen Broker zu suchen, wenn man weiß in welche Fonds man investieren möchte.

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