Kapitalanlagegesellschaften bündeln Gelder von Anlegern und investieren in deren Auftrag Gelder Anlageprodukte. Hierbei werden immer Vermögenswerte verschiedener Emittenten erworben um das Risiko für die Anleger zu streuen. Investmentfonds können auch zur Altersvorsorge als auch zum Vermögensaufbau genutzt werden.
Investmentfonds:
Bei offenen Investmentfonds wird von den Investmentgesellschaften (Kapitalanlagegesellschaften) Geld von den Anlegern eingesammelt und dieses in einen oder unterschiedliche Anlagebereich investiert. Die höhe solcher Fonds ist nicht begrenzt. Das vorhandene Geld wir von sogenannten Fondsmanagern verwaltet und je nach Ausrichtung des Fonds in Aktien, festverzinsliche Wertpapiere, Immobilien, Forex-Produkte etc. angelegt. Das Fondsvermögen darf nicht in nur einen Sachwert (Aktie oder Immobilie) angelegt werden um das Risiko zu streuen.
In Deutschland wir zwischen offenen und geschlossenen Fonds unterschieden. Offene Investmentfonds unterliegen den Regeln der Investmentgesetze (InvG). Geschlossenen Fonds werden zumeist von Gesellschaften, beispielweise GmbHs & Co KS gestaltet und unterliegen somit den Regeln der jeweiligen Gesellschaftsart.
Pro:
- Es gibt für fast jeden Anlegertyp (Konservativ bis Risikobereit) passende Fonds
- Hohe Renditechancen
- Fonds können flexibel und der Lebenssituation angepasst bespart werden
- Das Risiko des Totalverlustes der Anlage ist durch die Streuung sehr gering
Kontra:
- Fondsauswahl: Eine große Auswahl an unterschiedlichen Fonds macht die richtige Auswahl schwierig
- Geldanlagen in Fonds sind immer mit einem Verlust bzw. sogar Totalverlustrisiko behaftet
- Kosten für die Verwaltung und Fondsmanager verringern die Rendite der Fonds
- Beim Erwerb von Investmentfondsanteilen wir meist ein Ausgabeaufschlag fällig der in der Regel 0,5% – 8% der angelegte Summe ausmacht
- Zusätlich sind oftmal Kontoführungsgebühren zu bezahlen
- Sachkosten für Werbung, den Druck von Broschüren etc. werden ebenfalls von den Fondsgeldern bezahlt
Fazit:
Investmentfonds können besonders für Personenkreise interessant sein, die Ihre Altersvorsorge nicht von der Steuer absetzen können. Auch Anleger die von ihren Arbeitgebern höhere Abfindungen erhalten können steuerlich von Investmentfonds profitieren. Leider beinhalten jedoch viele Investmentfonds sehr hohe versteckte Kosten, so das selbst bei Fonds die in profitable Werte investieren nicht immer eine hohe Rendite übrig bleibt.
Tipp:
Wer sich nicht sicher ist ob eine Anlage in einen Investmentfonds die richtige Anlagewahl ist kann sich bei der Verbraucherschutzmagazin informieren.
Also Kontoführungsgebühren hat man doch fast überall und wer nicht zu hohe Aufschläge oder Gebühren für das Fondsmanagement bezahlen will, sollte in Index-Fonds investieren, dort entfallen die angesprochenen Kosten größtenteils.
Die große Auswahl an Fonds soll sicherlich auch den Anleger verwirren, damit die undurchsichtigen und weniger profitablen Fonds verkauft werden können.
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