Seit Monaten vergeht keine Nachrichtensendung ohne Meldungen aus Finanzbranche. Staatliche Hilfen, Einlagensicherungen oder Diskussionen über die Gehälter der Top-Manager gehören inzwischen zum Alltag. Selbst Verbraucher, welche sich normalerweise nur geringfügig mit den Themen Finanzen, Politik und Wirtschaft auseinander setzen, kommen an den meisten Schlagzeilen nicht vorbei.
Tagesgeld vs. Festgeld: Wichtige Unterschiede
Besonders stark betroffen sind aktuell die Tages- und Termingeldanleger. Nachdem die Europäische Zentralbank den Leitzins innerhalb kürzester Zeit drastisch von hohen 4,25 Prozent auf inzwischen geringe 2,00 Prozent gesenkt hat, mussten auch zahlreiche Banken reagieren und die Zinssätze für kurzfristige Geldanlage ebenfalls senken. Als Alternative zum Tagesgeldkonto sehen viele Verbraucher derzeit das Festgeld.
Auch bei der Festgeld Anlage sind die Zinssätze in den letzten Wochen gefallen, allerdings lassen sich mit einer geschickten Kontoauswahl noch immer hohe Zinserträge realisieren. Eine Übersicht verschiedener Angebote findet sich z.B. unter www.festgeld-vergleich.net. Der größte Unterschied zwischen Tagesgeld- und Festgeldkonto: Über Einlagen auf dem Tagesgeldkonto können Anleger täglich verfügen, bei einer Festgeldanlage erst nach der vereinbarten Laufzeit (i.d.R. zwischen 3 Monaten und 6 Jahren). Weiterhin ist jede Bank berechtigt den Zinssatz beim Tagesgeld, notfalls täglich, anzupassen – beim Festgeld sind die Zinsen für die gesamte Anlagedauer garantiert.
Festgeld – Pro:
- Hohe Zinsen von 3 – 5 Prozent auch aktuell noch erhältlich
- Zinsen für die gesamte Laufzeit garantiert, keine Zinsschwankungen
- Kostenlose Kontoführung und Kontoeröffnung
- Sichere Geldanlage, Stichwort: Einlagensicherungsfonds
Festgeld – Contra:
- Geld ist fest angelegt, keine tägliche Verfügbarkeit
- Vorzeitige Kündigung nur teilweise (mit hohen Gebühren bzw. ohne Zinserträge) möglich
- Zinsgarantie kann zum Nachteil werden, falls die Banken Zinsen anheben
Fazit:
Da die Kurve der Zinssätze bei sämtlichen Geldanlage nach unten zeigt, können sich Anleger die aktuell noch hohen Festgeld Zinsen (z.B. beim Credit Europe Festgeld, bis zu 5,50 Prozent) für eine längere Laufzeit sichern. Wichtig: Es sollte nur Geld auf dem Festgeldkonto angelegt werden, auf welches während der gesamte Laufzeit verzichtet werden kann. Wird das Geld vorzeitig benötigt und zeigt sich Bank dem Anleger gegenüber kulant, so sind die Zinserträge i.d.R. als Gebühr für die Vorzeitige Auflösung fällig.
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