{"id":1703,"date":"2022-09-07T12:41:49","date_gmt":"2022-09-07T10:41:49","guid":{"rendered":"https:\/\/www.oskar.de\/?page_id=1703"},"modified":"2023-08-01T01:43:26","modified_gmt":"2023-07-31T23:43:26","slug":"fuer-kinder-a1","status":"publish","type":"page","link":"https:\/\/www.oskar.de\/fuer-kinder-a1\/","title":{"rendered":"F\u00fcr Kinder A1"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1703\" class=\"elementor elementor-1703\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-39ed058 elementor-section-stretched elementor-section-height-full herobackground elementor-reverse-mobile elementor-reverse-tablet elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"39ed058\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-17a6f077 left-column\" data-id=\"17a6f077\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f270de9 elementor-widget elementor-widget-raven-image\" data-id=\"f270de9\" data-element_type=\"widget\" data-widget_type=\"raven-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-image\">\n\t\t\n\t\t\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"187\" height=\"34\" src=\"https:\/\/www.oskar.de\/wp-content\/uploads\/2022\/07\/img-kids.svg\" class=\"attachment-full size-full\" alt=\"\" \/>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c4ce71 elementor-absolute elementor-widget elementor-widget-raven-image\" data-id=\"3c4ce71\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"raven-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-image\">\n\t\t\n\t\t\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.oskar.de\/wp-content\/uploads\/2022\/09\/a1trust.webp\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.oskar.de\/wp-content\/uploads\/2022\/09\/a1trust.webp 300w, https:\/\/www.oskar.de\/wp-content\/uploads\/2022\/09\/a1trust-150x150.webp 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77cd277f elementor-widget elementor-widget-heading\" data-id=\"77cd277f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">ETF-Sparplan f\u00fcr Kinder<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26117796 elementor-widget elementor-widget-text-editor\" data-id=\"26117796\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Viele Tausend Eltern haben bereits mit Oskar einen ETF-Sparplan f\u00fcr ihre Kinder angelegt. Denn das geht ganz einfach, das Geld wird intelligent verwaltet und Oma und Opa k\u00f6nnen auch mitsparen.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fbb7fa1 elementor-align-right elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-raven-button\" data-id=\"5fbb7fa1\" data-element_type=\"widget\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"https:\/\/mein.oskar.de\/onboarding\/consent\">\n\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tKunde werden\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7227499f elementor-align-left elementor-widget__width-auto elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-raven-button\" data-id=\"7227499f\" data-element_type=\"widget\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"#\">\n\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tMehr erfahren\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-536f0c20 elementor-widget elementor-widget-text-editor\" data-id=\"536f0c20\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Die Kapitalanlage ist mit Risiken verbunden. OSKAR Portfolios verwaltet von Scalable Capital.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-113bcc1\" data-id=\"113bcc1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-748813cd elementor-widget elementor-widget-spacer\" data-id=\"748813cd\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2637c1aa elementor-section-stretched elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2637c1aa\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1cda3628\" data-id=\"1cda3628\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-109830c4 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"109830c4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-74e52959\" data-id=\"74e52959\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5583f8ba elementor-widget elementor-widget-heading\" data-id=\"5583f8ba\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OSKAR f\u00fcr Kinder \u2013 ein \u00dcberblick<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1e9bb1eb\" data-id=\"1e9bb1eb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-564a88aa elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-raven-button\" data-id=\"564a88aa\" data-element_type=\"widget\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"https:\/\/mein.oskar.de\/onboarding\/consent\">\n\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tKunde werden\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ddaa3bd elementor-align-right elementor-widget__width-auto elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-raven-button\" data-id=\"5ddaa3bd\" data-element_type=\"widget\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"#\">\n\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tMehr erfahren\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2ae798fd elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2ae798fd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-56c37293\" data-id=\"56c37293\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-450e47e6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"450e47e6\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Die Er\u00f6ffnung eines OSKAR Kontos f\u00fcr Dein Kind ist ganz einfach<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Schon ab 25 Euro Sparrate im Monat<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">OSKAR investiert in g\u00fcnstige ETFs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Entscheide, ob das Konto rechtlich auf Dein Kind oder auf Dich laufen soll (<a href=\"\">mehr dazu<\/a> )<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mit OSKAR kannst Du jetzt schon f\u00fcr Studium, Ausbildung oder Auslandsaufenthalt Deines Kindes ansparen.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-455e02c3\" data-id=\"455e02c3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a2880f2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6a2880f2\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Oma, Opa und andere k\u00f6nnen jederzeit mitsparen, da jedes OSKAR Konto eine eigene IBAN hat<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Wenn Du m\u00f6chtest, kann Dein Kind lesenden Zugriff auf das Konto erhalten. So lernt es nebenbei etwas \u00fcber Finanzen.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-75fc9336 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"75fc9336\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-63071183\" data-id=\"63071183\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5183834a elementor-widget elementor-widget-heading\" data-id=\"5183834a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Darum ist ein OSKAR ETF-Sparplan f\u00fcr Dein Kind sinnvoll<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2cae9b94 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2cae9b94\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-34b8b6e1\" data-id=\"34b8b6e1\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68220a9 elementor-widget elementor-widget-heading\" data-id=\"68220a9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">1.<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27f73af8 elementor-widget elementor-widget-heading\" data-id=\"27f73af8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Lange Laufzeit reduziert Risiko<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-499dd745 elementor-widget elementor-widget-text-editor\" data-id=\"499dd745\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Wer f\u00fcr ein Kind anspart, hat meist einen Anlagehorizont von 10 oder mehr Jahren. Durch die lange Anlagedauer wird das Risiko, bei einem B\u00f6rsen-Investment einen Verlust zu erleiden, deutlich reduziert. Eine Studie des Deutschen Aktien Instituts hat ergeben, dass die durchschnittliche Rendite des DAX zwischen 1995 und 2010 bei 7,8% lag \u2013 und das, obwohl in diesem Zeitraum sowohl die Internet-Blase platzte als auch die Finanzkrise lag.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-a08bb07\" data-id=\"a08bb07\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5fea8afb elementor-widget elementor-widget-heading\" data-id=\"5fea8afb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">2.<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1554c0 elementor-widget elementor-widget-heading\" data-id=\"f1554c0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ETFs als Anlageform<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42ba2a76 elementor-widget elementor-widget-text-editor\" data-id=\"42ba2a76\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>ETFs sind Investmentfonds, die einen Index (z.B. den DAX) kosteng\u00fcnstig nachbilden und dabei durch Ihren Status als Sonderverm\u00f6gen insolvenzgesch\u00fctzt sind. Herk\u00f6mmliche Fonds sind sehr viel teurer und erzielen oft eine schlechtere Rendite als der Vergleichsindex. OSKAR legt Dein Geld gleich in 10 verschiedene Aktien-, Anleihen- und Rohstoff-ETFs an und erm\u00f6glicht so eine globale Ausrichtung bei gleichzeitiger Reduzierung der Schwankungsbreite.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-152e8fc2\" data-id=\"152e8fc2\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a8751f5 elementor-widget elementor-widget-heading\" data-id=\"3a8751f5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">3.<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60f884d elementor-widget elementor-widget-heading\" data-id=\"60f884d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Zinseszins-Effekt<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-301a329d elementor-widget elementor-widget-text-editor\" data-id=\"301a329d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Schon Albert Einstein soll auf die Frage nach der gr\u00f6\u00dften Kraft im Universum geantwortet haben \u201eDas ist der Zinseszins\u201c. Mit einem Sparplan kann durch den Zinseszins \u00fcber die Jahre ein gro\u00dfes Verm\u00f6gen entstehen.\u00a0<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4650fc13 elementor-section-stretched elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4650fc13\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-17ea00d0\" data-id=\"17ea00d0\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-539582c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"539582c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1e59c11a\" data-id=\"1e59c11a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-19c8e254 elementor-widget elementor-widget-text-editor\" data-id=\"19c8e254\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\tFr\u00fchere Wertentwicklungen, Simulationen oder Prognosen sind kein verl\u00e4sslicher Indikator f\u00fcr die k\u00fcnftige Wertentwicklung. Bitte beachte unsere <a href=\"https:\/\/www.oskar.de\/risikohinweise\/\">Risikohinweise<\/a>.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1c21514e elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1c21514e\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a32439\" data-id=\"a32439\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ad8d014 elementor-widget elementor-widget-heading\" data-id=\"1ad8d014\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Darum macht es Sinn, f\u00fcr Kindern zu sparen<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4ae2fb59 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ae2fb59\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-172dd5b8\" data-id=\"172dd5b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c3e66ac elementor-widget elementor-widget-text-editor\" data-id=\"c3e66ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Mit Oskar soll Deinem Kind oder Enkelkind der finanzielle Start ins Leben vereinfacht werden. Wenn Du fr\u00fch genug beginnst, f\u00fcr Dein Kind vorzusorgen, entsteht Schritt f\u00fcr Schritt und mit Hilfe einer professionellen Verwaltung ein kleines Verm\u00f6gen. Geld f\u00fcr Studium, das erste Auto oder gro\u00dfe Tr\u00e4ume.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-21fb652 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21fb652\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-791dd88e\" data-id=\"791dd88e\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e62fb7 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9e62fb7\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-baby\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cc2fc09 elementor-widget elementor-widget-heading\" data-id=\"1cc2fc09\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Die Geburt<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7dee5985 elementor-widget elementor-widget-text-editor\" data-id=\"7dee5985\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Juchu, der Nachwuchs ist da! Wer ab Geburt des Kindes spart, kann auch mit kleinen Betr\u00e4gen bis zu Vollj\u00e4hrigkeit ein ordentliches Verm\u00f6gen aufbauen.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-77afe6db\" data-id=\"77afe6db\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0789a5d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0789a5d\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-money-bill-alt\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70f52afc elementor-widget elementor-widget-heading\" data-id=\"70f52afc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Die Ansparphase<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56bcbebd elementor-widget elementor-widget-text-editor\" data-id=\"56bcbebd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Beim Ansparen mit Oskar profitieren Kinder ggf. von einem Steuervorteil. Das erh\u00f6ht zus\u00e4tzlich die Rendite.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-71581b68\" data-id=\"71581b68\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fb817ff elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"fb817ff\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-home\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f83bdc1 elementor-widget elementor-widget-heading\" data-id=\"5f83bdc1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Die erste Wohnung<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29814586 elementor-widget elementor-widget-text-editor\" data-id=\"29814586\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Das Kind zieht aus? Wer rechtzeitig mit Oskar anspart, hat bereits einen Grundstock f\u00fcr die finanzielle Unabh\u00e4ngigkeit. Der Oskar Auszahlungsplan erm\u00f6glicht eine monatliche Auszahlung, die z. B. f\u00fcr die Miete genutzt werden kann.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-70fffe90\" data-id=\"70fffe90\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41feea3 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"41feea3\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-globe\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ca5d4f6 elementor-widget elementor-widget-heading\" data-id=\"2ca5d4f6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Das Abenteuer erleben<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12ee97f0 elementor-widget elementor-widget-text-editor\" data-id=\"12ee97f0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Nach der Schule oder dem Studium ein paar Monate die Welt anschauen? Das ist der Traum vieler Jugendlicher. Oskar hilft dabei, rechtzeitig f\u00fcr das Abenteuer Leben anzusparen.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-66094880 elementor-section-stretched elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"66094880\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-29066d79\" data-id=\"29066d79\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-42cd62ac elementor-widget elementor-widget-heading\" data-id=\"42cd62ac\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Die ganze Familie in einem OSKAR Account<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ef6e3fb elementor-widget elementor-widget-text-editor\" data-id=\"7ef6e3fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Mit OSKAR kannst Du f\u00fcr die ganze Familie sparen und brauchst daf\u00fcr nur einen OSKAR Account. Du kannst beliebig viele Konten innerhalb Deines OSKAR Accounts anlegen. Z.B. f\u00fcr eigene Kinder, Enkel, Patenkinder usw. Jedes Konto kann unterschiedliche Sparpl\u00e4ne und Risikoklassen haben.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-34cca46 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34cca46\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-169e5339\" data-id=\"169e5339\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-620aaccf elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-raven-image\" data-id=\"620aaccf\" data-element_type=\"widget\" data-widget_type=\"raven-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-image\">\n\t\t\n\t\t\t\t\t\t<a href=\"https:\/\/apps.apple.com\/de\/app\/oskar-dein-etf-sparplan\/id1423114287\" class=\"elementor-clickable\" data-elementor-open-lightbox=\"\">\n\t\t\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"191\" height=\"56\" src=\"https:\/\/www.oskar.de\/wp-content\/uploads\/2022\/07\/Apple.svg\" class=\"elementor-animation-grow attachment-full size-full\" alt=\"\" \/>\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1da961b4 elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-raven-image\" data-id=\"1da961b4\" data-element_type=\"widget\" data-widget_type=\"raven-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-image\">\n\t\t\n\t\t\t\t\t\t<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=oskargmbh.de.oskar&amp;hl=de&amp;gl=US\" class=\"elementor-clickable\" data-elementor-open-lightbox=\"\">\n\t\t\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"190\" height=\"56\" src=\"https:\/\/www.oskar.de\/wp-content\/uploads\/2022\/07\/Google.svg\" class=\"elementor-animation-grow attachment-full size-full\" alt=\"\" \/>\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-75c2f8fd\" data-id=\"75c2f8fd\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-644c7e2a elementor-widget elementor-widget-spacer\" data-id=\"644c7e2a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-24007569 elementor-section-stretched elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24007569\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c24a9a5\" data-id=\"5c24a9a5\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6586b8f5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6586b8f5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-651e2b87\" data-id=\"651e2b87\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f57204f elementor-widget elementor-widget-heading\" data-id=\"2f57204f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kleine Betr\u00e4ge, gro\u00dfe Wirkung, die Macht eines Sparplans<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75493f1b elementor-widget elementor-widget-text-editor\" data-id=\"75493f1b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Monatliche Sparrate \u00fcber x Jahre bei einer beispielhaft angenommenen Rendite von 8% nach Kosten.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-a249142 elementor-widget elementor-widget-html\" data-id=\"a249142\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"dcf-overflow-x-auto\" tabindex=\"0\">\n<table class=\"dcf-table dcf-w-100%\">\n\n\t<tbody>\n\t\t<tr>\n\t\t\t<td><b>Sparziel<\/b><\/td>\n\t\t\t<td><b>18 Jahre<\/b><\/td>\n\t\t\t<td><b>20 Jahre<\/b><\/td>\n\t\t\t<td><b>22 Jahre<\/b><\/td>\n\t\t<\/tr>\n\t\t<tr>\n\t\t    <td><\/td>\n\t\t    <td><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-4521\" width=\"60\" height=\"60\" style=\"\" src=\"\/wp-content\/uploads\/2022\/09\/ic-car.svg\"><\/td>\n\t\t    <td><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-4521\" width=\"60\" height=\"60\"  src=\"\/wp-content\/uploads\/2022\/09\/ic-kangaroo.svg\"><\/td>\n\t\t    <td><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-4521\" width=\"60\" height=\"60\"  src=\"\/wp-content\/uploads\/2022\/09\/ic-study.svg\"><\/td>\n\t\t<\/tr>\n\t\t<tr>\n\t\t\t<td>F\u00fcr was<\/td>\n\t\t\t<td><b>F\u00fchrerschein<\/b><br \/>1.850 \u20ac<\/td>\n\t\t\t<td><b>3 Monate Australien<\/b><br \/>6.000 \u20ac<\/td>\n\t\t\t<td><b>4 Jahre Harvard Studium<\/b><br \/>153.000 \u20ac<\/td>\n\t\t<\/tr>\n\t\t<tr>\n\t\t\t<td>Mtl. Sparrate<\/td>\n\t\t\t<td style=\"color:#4556BE\">3,95 \u20ac<\/td>\n\t\t\t<td style=\"color:#4556BE\">10,47 \u20ac<\/td>\n\t\t\t<td style=\"color:#4556BE\">220,36 \u20ac<\/td>\n\t\t<\/tr>\n\t\t<tr>\n\t\t\t<td>Eingezahlt<\/td>\n\t\t\t<td>853,20 \u20ac<\/td>\n\t\t\t<td>2.512,80 \u20ac<\/td>\n\t\t\t<td>58.175,04 \u20ac<\/td>\n\t\t<\/tr>\n\t<\/tbody>\n<\/table><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6200769e swipe-animation elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-text-editor\" data-id=\"6200769e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>\u2190 Swipe<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-733b4c51 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"733b4c51\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-38ab128e\" data-id=\"38ab128e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2018962d elementor-widget elementor-widget-heading\" data-id=\"2018962d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Anlegen f\u00fcr Kinder \u2013 Zwei M\u00f6glichkeiten<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7fd08906 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fd08906\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-45ac8344\" data-id=\"45ac8344\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b80d59 elementor-widget elementor-widget-text-editor\" data-id=\"3b80d59\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Aus steuerlicher Sicht kann es Unterschiede machen, wem das Konto rechtlich geh\u00f6rt. OSKAR unterst\u00fctzt beide M\u00f6glichkeiten.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-710a66a1 elementor-section-stretched elementor-section-content-space-between elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"710a66a1\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-713bed9f\" data-id=\"713bed9f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c64c1e3 elementor-widget elementor-widget-heading\" data-id=\"c64c1e3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OSKAR im Namen \u201e<u>des Kindes<\/u>\u201c \nabschlie\u00dfen<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ea24432 elementor-widget elementor-widget-text-editor\" data-id=\"6ea24432\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Der Abschluss im <strong>Namen des Kindes<\/strong> hat zur Folge, dass die Geldanlage im Namen des Kindes erfolgt mit allen steuerlichen und rechtlichen Folgen.<\/p><p>Bitte befrage zu Deiner pers\u00f6nlichen steuerlichen Situation Deinen Steuerberater.\u00a0<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccc03e1 elementor-widget elementor-widget-heading\" data-id=\"ccc03e1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Wichtige Punkte<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-180b5c9 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"180b5c9\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Geld geh\u00f6rt dem Kind (hat Kontrollvollmacht)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Die Er\u00f6ffnung eines Kinderkontos ist nur f\u00fcr Minderj\u00e4hrige m\u00f6glich<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-32926a18\" data-id=\"32926a18\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-161d102b elementor-widget elementor-widget-heading\" data-id=\"161d102b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OSKAR im  \u201e<u>eigenen Namen<\/u>\u201c \nabschlie\u00dfen<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc048bc elementor-widget elementor-widget-text-editor\" data-id=\"bc048bc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Du kannst selbstverst\u00e4ndlich auch in <strong>Deinem eigenen Namen<\/strong> Geld f\u00fcr das Kind anlegen. Die Einrichtung eines ETF-Sparplans ist deutlich unkomplizierter: Du musst keine Geburtsurkunde oder sonstigen Unterlagen f\u00fcr das Kind einreichen.<\/p><p>Bitte befrage zu Deiner pers\u00f6nlichen steuerlichen Situation Deinen Steuerberater.\u00a0<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64b745ac elementor-widget elementor-widget-heading\" data-id=\"64b745ac\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Wichtige Punkte<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5233e315 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5233e315\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Kontrolle \u00fcber das Geld geht nicht an das Kind \u00fcber<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Kontoer\u00f6ffnung ist sehr einfach<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Nur Du hast Zugriff auf das Konto. Falls Du m\u00f6chtest, dass auch der zweite Erziehungsberechtigte Zugriff auf das Konto hat, so w\u00e4re bitte als Antwort Kind auf die Frage Soll die Geldanlage in Deinem Namen oder im Namen des Kindes abgeschlossen werden<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a60cb82 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a60cb82\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70b6bd7a\" data-id=\"70b6bd7a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-40d723fe elementor-widget elementor-widget-heading\" data-id=\"40d723fe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OSKAR: Unterschiede zum normalen ETF Sparplan<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3c973dc elementor-section-stretched elementor-section-content-space-between elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3c973dc\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e75e46b\" data-id=\"e75e46b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b047d95 elementor-widget elementor-widget-heading\" data-id=\"b047d95\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\u201eProblem\u201c beim ETF-Sparplan<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5eb5b44 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5eb5b44\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-question-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Bestehendes Broker-Depot notwendig<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-question-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">ETFs m\u00fcssen selbstst\u00e4ndig ausgew\u00e4hlt werden<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-question-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Keine Steueroptimierung bei Umschichtung \/ Verkauf<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-question-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">F\u00fcr eine weltweite und themenspezifische Abdeckung sind mehrere Sparpl\u00e4ne notwendig<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-question-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Umschichten m\u00fcssen selbst vorgenommen werden<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-question-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Umschichtungen kosten Geb\u00fchren<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-question-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Nur eine Partei kann einen ETF-Sparplan f\u00fcr Kinder besparen.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-question-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Kinder-Sparpl\u00e4ne ben\u00f6tigen eigene Accounts<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-question-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Keine Risikokategorien w\u00e4hlbar<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-question-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Kein Auszahlplan m\u00f6glich<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-d95ee68\" data-id=\"d95ee68\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f44cd8 elementor-widget elementor-widget-heading\" data-id=\"5f44cd8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">L\u00f6sung bei OSKAR<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e0c7d4 elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1e0c7d4\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">OSKAR kann in 15 Minuten ohne bestehende Broker-Konto er\u00f6ffnet werden<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">OSKAR w\u00e4hlt aus 2.000 ETFs die passenden aus. Dabei wird auf Kosten und Performance Wert gelegt und bei Bedarf automatisch und kostenlos getauscht<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">OSKAR ist steuersmart<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">OSKAR investiert gleichzeitig in bis zu 10 ETFs. Du erreichst damit weltweite Abdeckung. OSKAR enth\u00e4lt eine Inflationsschutz-Komponente und ist au\u00dferdem w\u00e4hrungsoptimiert<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">OSKAR hat ein automatisches Rebalancing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">OSKAR hat keine Extra-Kosten bei Umschichtungen, Kauf und Verkauf<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Oma, Opa und andere k\u00f6nnen mitsparen<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mit OSKAR ist alles \u00fcbersichtlich \u00fcber einen Login in einer App\/Website einsehbar<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">OSKAR bietet die Auswahl aus 5 Risikokategorien<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">OSKAR bietet Auszahlpl\u00e4ne<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2fe6255 elementor-section-stretched elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fe6255\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6eba8e2a\" data-id=\"6eba8e2a\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-337a9b2b elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"337a9b2b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5396b637\" data-id=\"5396b637\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2140edb7 elementor-widget elementor-widget-heading\" data-id=\"2140edb7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Die Rendite-Erwartung der Oskar Anlagestrategien<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a9e624 elementor-widget elementor-widget-text-editor\" data-id=\"2a9e624\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\tIn Zeiten von Niedrigzinsen erzielen klassische Anlageformen wie das Sparbuch kaum oder sogar keine Renditen mehr. Wer stattdessen in den breiten Aktienmarkt anlegt, hat historisch gesehen beste Aussichten auf eine gute Rendite. So lag zum Beispiel die durchschnittliche Rendite des DAX \u00fcber einen Zeitraum von 15 Jahren lt. Deutschem Aktieninstitut bei 8% pro Jahr (<a href=\"https:\/\/www.dai.de\/files\/dai_usercontent\/dokumente\/renditedreieck\/181231%20DAX-Rendite-Dreieck%2050%20Jahre%20Web.pdf\">Siehe DAI<\/a>).\n\nUm eine m\u00f6glichst gro\u00dfe Rendite zu erzielen, und gleichzeitig das Risiko zu reduzieren, legt Oskar Dein Geld weltweit gestreut in ETFs und ETCs und damit am Kapitalmarkt an. Die H\u00f6he der Aktienquote (zwischen 50 und 90 Prozent) bestimmst Du. Da Investments am Kapitalmarkt Schwankungen unterliegen und nicht vorhergesagt werden k\u00f6nnen, haben wir in der nachfolgenden Tabelle die erwarteten Renditen der Oskar-Strategien errechnet. \u00dcbrigens: Oskar investiert bereits zu 50% in <a title=\"Nachhaltige ETFs\" href=\"http:\/\/ratgeberlink.finanzen.net\/nachhaltige-geldanlage-oskar\" target=\"_blank\" rel=\"nofollow noopener\">nachhaltige ETFs<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ec1d322 elementor-widget elementor-widget-html\" data-id=\"3ec1d322\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"dcf-overflow-x-auto\" tabindex=\"0\">\n<table class=\"dcf-table dcf-w-100%\">\n\t<thead>\n\t\t<tr>\n\t\t\t<td><\/td>\n\t\t\t<th scope=\"col\">\tOskar 50<\/th>\n\t\t\t<th scope=\"col\">\tOskar 60<\/th>\n\t\t\t<th scope=\"col\">\tOskar 70<\/th>\n\t\t\t<th scope=\"col\">\tOskar 80<\/th>\n\t\t\t<th scope=\"col\">\tOskar 90<\/th>\n\t\t<\/tr>\n\t<\/thead>\n\t<tbody>\n\t\t<tr>\n\t\t\t<th scope=\"row\">Gute Entwicklung<\/th>\n\t\t\t<td data-label=\"\tOskar 50\">8,81%<\/td>\n\t\t\t<td data-label=\"\tOskar 60\">10,03%<\/td>\n\t\t\t<td data-label=\"\tOskar 70\">11,24%<\/td>\n\t\t\t<td data-label=\"\tOskar 80\">12,44%<\/td>\n\t\t\t<td data-label=\"\tOskar 90\">13,66%<\/td>\n\t\t<\/tr>\n\t\t<tr>\n\t\t\t<th scope=\"row\">Mittlere Entwicklung<\/th>\n\t\t\t<td data-label=\"\tOskar 50\">4,35%<\/td>\n\t\t\t<td data-label=\"\tOskar 60\">4,74%<\/td>\n\t\t\t<td data-label=\"\tOskar 70\">5,11%<\/td>\n\t\t\t<td data-label=\"\tOskar 80\">5,45%<\/td>\n\t\t\t<td data-label=\"\tOskar 90\">5,78%<\/td>\n\t\t<\/tr>\n\t\t<tr>\n\t\t\t<th scope=\"row\">Schlechte Entwicklung<\/th>\n\t\t\t<td data-label=\"\tOskar 50\">0,06%<\/td>\n\t\t\t<td data-label=\"\tOskar 60\">-0,28%<\/td>\n\t\t\t<td data-label=\"\tOskar 70\">-0,68%<\/td>\n\t\t\t<td data-label=\"\tOskar 80\">-1,11%<\/td>\n\t\t\t<td data-label=\"\tOskar 90\">-1,56%<\/td>\n\t\t<\/tr>\n\t<\/tbody>\n<\/table><\/div>\n\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de863da swipe-animation elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-text-editor\" data-id=\"de863da\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>\u2190 Swipe<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-21967c88 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21967c88\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-44df81e3\" data-id=\"44df81e3\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7289c97c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"7289c97c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5d9ee62f\" data-id=\"5d9ee62f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a3752f8 elementor-widget elementor-widget-raven-image\" data-id=\"2a3752f8\" data-element_type=\"widget\" data-widget_type=\"raven-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-image\">\n\t\t\n\t\t\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"320\" src=\"https:\/\/www.oskar.de\/wp-content\/uploads\/2022\/08\/img-line-one.svg\" class=\"attachment-full size-full\" alt=\"\" \/>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4c22f68e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4c22f68e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d4394bb\" data-id=\"d4394bb\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6153b0a3 elementor-widget elementor-widget-heading\" data-id=\"6153b0a3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Beispiel 1<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74a71212 elementor-widget elementor-widget-text-editor\" data-id=\"74a71212\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\tRendite-Erwartung f\u00fcr die Oskar 90 Anlagestrategie\nEinmalanlage 10.000 Euro, Sparplan 0 Euro pro Monat, Laufzeit 20 Jahre\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fbbe5d7 elementor-icon-list--layout-inline elementor-widget__width-auto elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2fbbe5d7\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Best Case<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dc14fa5 elementor-icon-list--layout-inline elementor-widget__width-auto elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5dc14fa5\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Middle Case<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2900ecbd elementor-icon-list--layout-inline elementor-widget__width-auto elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2900ecbd\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Worst Case<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-11a31347\" data-id=\"11a31347\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2b1ee28c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2b1ee28c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2b3b5af2\" data-id=\"2b3b5af2\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ba2679c elementor-widget elementor-widget-raven-image\" data-id=\"2ba2679c\" data-element_type=\"widget\" data-widget_type=\"raven-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-image\">\n\t\t\n\t\t\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"320\" src=\"https:\/\/www.oskar.de\/wp-content\/uploads\/2022\/08\/img-line-two.svg\" class=\"attachment-full size-full\" alt=\"\" \/>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-44a94845 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"44a94845\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-2b5259f6\" data-id=\"2b5259f6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2eedda8f elementor-widget elementor-widget-heading\" data-id=\"2eedda8f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Beispiel 2<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-218c8c1 elementor-widget elementor-widget-text-editor\" data-id=\"218c8c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\tRendite-Erwartung f\u00fcr die Oskar 90 Anlagestrategie\nEinmalanlage 0 Euro, Sparplan 150 Euro pro Monat, Laufzeit 20 Jahre\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61a29f75 elementor-icon-list--layout-inline elementor-widget__width-auto elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"61a29f75\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Best Case<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58ccf888 elementor-icon-list--layout-inline elementor-widget__width-auto elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"58ccf888\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Middle Case<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71817c28 elementor-icon-list--layout-inline elementor-widget__width-auto elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"71817c28\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Worst Case<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a045408 elementor-section-stretched elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a045408\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-43277716\" data-id=\"43277716\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-518bb5bb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"518bb5bb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1f0ac78e\" data-id=\"1f0ac78e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64bed8f7 elementor-widget elementor-widget-text-editor\" data-id=\"64bed8f7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\tDie Rendite-Erwartung stellt die m\u00f6gliche Verteilung der Wertentwicklungen des Anlagebetrags nach 20 Jahren anhand verschiedener Szenarien dar. Die Angaben in Euro basieren auf Deinem anf\u00e4nglichen Anlagebetrag, Deiner monatlichen Einzahlung sowie der erwarteten (mittleren) Rendite f\u00fcr die gew\u00e4hlte Anlagestrategie. Die Wahrscheinlichkeit dieser Szenarien wird hierbei in der Gr\u00f6\u00dfe Quantil abgebildet. Ein Quantil ist ein Schwellenwert: Ein bestimmter Anteil der Werte ist kleiner als das Quantil, der Rest ist gr\u00f6\u00dfer. Ein Beispiel: Das 5% Quantil ist der Wert, der von 5% der m\u00f6glichen Wertentwicklungen unterschritten wird. Das 5%-Quantil stellt eine schlechte Wertentwicklung dar, das 50%-Quantil eine mittlere und das 95%-Quantil eine gute Wertentwicklung. Wertentwicklungen unter dem 5%- und \u00fcber dem 95%-Quantil sind mit entsprechend geringer Wahrscheinlichkeit m\u00f6glich. Einzelheiten hierzu findest Du in der \u201dErl\u00e4uterung der Rendite-Erwartung\u201d auf www.oskar.de.\n<br \/>\nFr\u00fchere Wertentwicklungen, Simulationen oder Prognosen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklung. Die Kapitalanlage ist mit Risiken verbunden und kann zum vollst\u00e4ndigen Verlust des eingesetzten Verm\u00f6gens f\u00fchren. In der dargestellten Rendite-Erwartung sind Kosten f\u00fcr die Verm\u00f6gensverwaltung und die Service-Geb\u00fchr in H\u00f6he von jeweils 0,425% p.a., die Kosten f\u00fcr den Wertpapierhandel von 0,15% p.a. sowie die Produktkosten der ETF-Anbieter in H\u00f6he von durchschnittlich 0,14% p.a. bereits ber\u00fccksichtigt. Zu entrichtende Steuern bleiben unber\u00fccksichtigt, da steuerliche Effekte von individuellen Umst\u00e4nden abh\u00e4ngen und insofern der Vergleichbarkeit von Wertentwicklungen nicht dienlich sind.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3d77a436 elementor-section-stretched elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3d77a436\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1569227b\" data-id=\"1569227b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5e236b4f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5e236b4f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-af8a7d6\" data-id=\"af8a7d6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45f58b2d elementor-widget elementor-widget-heading\" data-id=\"45f58b2d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Die Rendite z\u00e4hlt<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ef060f1 elementor-widget elementor-widget-text-editor\" data-id=\"5ef060f1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Wer Geld anlegt, m\u00f6chte Rendite erzielen. Die 10 OSKAR ETFs bieten Dir eine weltweite Streuung, Wachstumschancen und Inflationsschutz. Nutze unseren Rechner, um die m\u00f6gliche Entwicklung Deiner OSKAR-Anlage auszurechnen.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3cc96f9c\" data-id=\"3cc96f9c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55dd9f43 elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-raven-button\" data-id=\"55dd9f43\" data-element_type=\"widget\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"https:\/\/mein.oskar.de\/onboarding\/consent\">\n\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tKunde werden\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a68979e elementor-align-right elementor-widget__width-auto elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-raven-button\" data-id=\"4a68979e\" data-element_type=\"widget\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"\/etf-sparplan-und-geldanlage\/\">\n\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tMehr erfahren\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7e9e4266 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"7e9e4266\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-75d45954\" data-id=\"75d45954\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75a7d934 elementor-widget elementor-widget-heading\" data-id=\"75a7d934\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rechne Dein m\u00f6gliches zuk\u00fcnftiges Verm\u00f6gen aus.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-318de7b3 elementor-widget elementor-widget-html\" data-id=\"318de7b3\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"lds\">\r\n    <div><\/div>\r\n    <div><\/div>\r\n    <div><\/div>\r\n    <div><\/div>\r\n<\/div>\r\n<div id=\"investement-calculator\">\r\n    <div class=\"calc-header\"><\/div>\r\n    <div class=\"inv_range_slider-wrapper\">\r\n        <div class=\"slider-box\">\r\n            <div class=\"inv_range_slider-label_wrapper\">\r\n                <p class=\"scrublabel\"><label style=\"color: #2b3874;\" for=\"inv_einmalanlage__slider\">Einmalanlage:<\/label><\/p>\r\n                <p class=\"scrubvalue\"><output style=\"color: #2b3874;\" id=\"inv_einmalanlage__slider--output\" for=\"inv_einmalanlage__slider\">10.000 \u20ac<\/output><\/p>\r\n            <\/div>\r\n            <div>\r\n                <button style=\"display: none;\" id=\"btn-einmalanlage-decrease\">-<\/button> <input type=\"range\" class=\"inv_range_slider\" name=\"einmalanlage\" id=\"inv_einmalanlage__slider\" min=\"0\" max=\"500000\" value=\"10000\" step=\"1000\" \/>\r\n                <button style=\"display: none;\" id=\"btn-einmalanlage-increase\">+<\/button>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"slider-box\">\r\n            <div class=\"inv_range_slider-label_wrapper\">\r\n                <p class=\"scrublabel\"><label style=\"color: #2b3874; letter-spacing: 0px !important;\" for=\"inv_sparplan__slider\">monatliche Sparrate:<\/label><\/p>\r\n                <p class=\"scrubvalue\"><output style=\"color: #2b3874;\" id=\"inv_sparplan__slider--output\" for=\"inv_sparplan__slider\">150 \u20ac<\/output><\/p>\r\n            <\/div>\r\n            <div>\r\n                <button style=\"display: none;\" id=\"btn-sparplan-decrease\">-<\/button> <input type=\"range\" class=\"inv_range_slider\" name=\"sparplan\" id=\"inv_sparplan__slider\" min=\"0\" max=\"5000\" value=\"150\" step=\"25\" \/>\r\n                <button style=\"display: none;\" id=\"btn-sparplan-increase\">+<\/button>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"slider-box\">\r\n            <div class=\"inv_range_slider-label_wrapper\">\r\n                <p class=\"scrublabel\"><label style=\"color: #2b3874;\" for=\"inv_anlagehorizont__slider\">Anlagehorizont:<\/label><\/p>\r\n                <p class=\"scrubvalue\"><output style=\"color: #2b3874;\" id=\"inv_anlagehorizont__slider--output\" for=\"inv_anlagehorizont__slider\">25 Jahre<\/output><\/p>\r\n            <\/div>\r\n            <div>\r\n                <button style=\"display: none;\" id=\"btn-anlagehorizont-decrease\">-<\/button> <input type=\"range\" class=\"inv_range_slider\" name=\"anlagehorizont\" id=\"inv_anlagehorizont__slider\" min=\"5\" max=\"25\" value=\"25\" step=\"1\" \/>\r\n                <button style=\"display: none;\" id=\"btn-anlagehorizont-increase\">+<\/button>\r\n            <\/div>\r\n        <\/div>\r\n        <div style=\"display: none; margin-bottom:-18px!important;margin-top:20px!important;\" class=inv_range_slider-label_wrapper> <p class=\"scrublabel\"><label style=\"color:#2B3874;\" for=\"inv_strategie_slider\">Oskar Strategie:<\/label><\/p><p class=\"scrubvalue\"><output style=\"color:#2B3874;\" id=\"inv_strategie_slider--output\" for=\"inv_strategie_slider\">0<\/output><\/p><\/div>\r\n        <div style=\"margin-bottom: 0px;\">\r\n            <button style=\"display: none;\" id=\"btn-strategie-decrease\">-<\/button> <input type=\"hidden\" class=\"inv_range_slider\" name=\"strategie\" id=\"inv_strategie_slider\" min=\"50\" max=\"90\" value=\"90\" step=\"10\" \/>\r\n            <button style=\"display: none;\" id=\"btn-strategie-increase\">+<\/button>\r\n        <\/div>\r\n    <\/div>\r\n    <div id=\"requestResults\"><\/div>\r\n<\/div>\r\n<div class=\"results\">\r\n    <table class=\"calc-table\">\r\n        <tr class=\"calc-tr\">\r\n            <td class=\"td-ico\">\r\n                <img loading=\"lazy\" decoding=\"async\" class=\"svgimage\" width=\"48\" height=\"48\" src=\"\/wp-content\/uploads\/2022\/07\/trend-up.svg\"><\/td>\r\n            <td class=\"td-calc\">Gute Entwicklung:<\/td>\r\n\r\n            <td class=\"tdd-calc\">\r\n                <span id=\"best-case\">-\/-<\/span> <span class=\"percentage\">(Rendite p.a <span id=\"yield\">-\/-<\/span> %)<\/span>\r\n            <\/td>\r\n        <\/tr>\r\n        <tr class=\"calc-tr-two\">\r\n            <td class=\"td-ico\">\r\n             <img loading=\"lazy\" decoding=\"async\" class=\"svgimage\" width=\"48\" height=\"48\" src=\"\/wp-content\/uploads\/2022\/07\/trend-normal.svg\" \/><\/td>\r\n            <td class=\"td-calc\">Mittlere Entwicklung:<\/td>\r\n            <td class=\"tdd-calc\">\r\n                <span id=\"mid-case\">-\/-<\/span> <span class=\"percentage\">(Rendite p.a <span id=\"yield2\">-\/-<\/span> %)<\/span>\r\n            <\/td>\r\n        <\/tr>\r\n        <tr class=\"calc-tr-none\">\r\n            <td class=\"td-ico\">\r\n             <img loading=\"lazy\" decoding=\"async\" class=\"svgimage\" width=\"48\" height=\"48\" src=\"\/wp-content\/uploads\/2022\/07\/trend-down.svg\" \/><\/td>\r\n            <td class=\"td-calc\">Schlechte Entwicklung:<\/td>\r\n            <td class=\"tdd-calc\">\r\n                <span id=\"worst-case\">-\/-<\/span> <span class=\"percentage\">(Rendite p.a <span id=\"yield3\">-\/-<\/span> %)<\/span>\r\n            <\/td>\r\n        <\/tr>\r\n    <\/table>\r\n<\/div>\r\n<style>\r\n        #lds {\r\n        width: 64px;\r\n        height: 64px;\r\n        display: none;\r\n        position: fixed;\r\n        left: 50%;\r\n        top: 50%;\r\n        transform: translate(-50%, -50%);\r\n    }\r\n\r\n    #lds div {\r\n        box-sizing: border-box;\r\n        display: block;\r\n        position: absolute;\r\n        width: 64px;\r\n        height: 64px;\r\n        margin: 8px;\r\n        border: 8px solid #A5A9AC;\r\n        border-radius: 50%;\r\n        animation: lds-ring 1.2s cubic-bezier(0.5, 0, 0.5, 1) infinite;\r\n        border-color: #ffffff transparent transparent transparent;\r\n    }\r\n\r\n    #lds div:nth-child(1) {\r\n        animation-delay: -0.45s;\r\n    }\r\n\r\n    #lds div:nth-child(2) {\r\n        animation-delay: -0.3s;\r\n    }\r\n\r\n    #lds div:nth-child(3) {\r\n        animation-delay: -0.15s;\r\n    }\r\n\r\n    @keyframes lds-ring {\r\n        0% {\r\n            transform: rotate(0deg);\r\n        }\r\n        100% {\r\n            transform: rotate(360deg);\r\n        }\r\n    }\r\n\r\n    \/* Styles for Investment Calculator Input Range Slider *\/\r\n\r\n    .scrublabel {\r\n        text-align: left;\r\n        color: #2B3874 !important;\r\n        margin-bottom: 0px;\r\n        font-size: 18px !important;\r\n        letter-spacing: 0px !important;\r\n        display: inline-block;\r\n        float: left;\r\n    }\r\n\r\n    .scrubvalue {\r\n        float: right;\r\n        text-align: right;\r\n        display: inline-block;\r\n        font-weight: 500;\r\n        font-size: 32px;\r\n        margin-bottom: 0px;\r\n        color: #2B3874 !important;\r\n    }\r\n\r\n    #investement-calculator {\r\n        width: 50%;\r\n        height: 100%;\r\n        overflow: visible;\r\n        display: inline-block;\r\n        padding-right: 16px;\r\n        margin: 0 auto;\r\n        text-align: right;\r\n        background-repeat: no-repeat;\r\n        background-size: 100%;\r\n    }\r\n\r\n    input[type=range] {\r\n        -webkit-appearance: none;\r\n        width: 100%;\r\n        margin: 9px 0;\r\n        padding: 0 0px;\r\n        background: #9AA5E3;\r\n        border-radius: 8px;\r\n    }\r\n\r\n    input[type=range]:focus {\r\n        outline: none;\r\n    }\r\n\r\n    input[type=range]::-webkit-slider-runnable-track {\r\n        width: 100%;\r\n        height: 6px;\r\n        cursor: pointer;\r\n        background: #9AA5E3;\r\n        border-radius: 90px;\r\n    }\r\n\r\n    input[type=range]::-webkit-slider-thumb {\r\n        height: 24px;\r\n        width: 24px;\r\n        border-radius: 50px;\r\n        background: linear-gradient(180deg, #FFFFFF 0%, #E1E5FF 73.96%, #E1E5FF 100%);\r\n        box-shadow: 0px 1px 1px rgba(37, 51, 138, 0.67), 0px 4px 9px #7B8DF7, 0px 2px 2px #3D55E2, inset 0px 2px 2px #FFFFFF, inset 0px -1px 1px rgba(44, 61, 163, 0.52), inset 0px -1px 3px #6D7CDA;\r\n        cursor: pointer;\r\n        -webkit-appearance: none;\r\n        margin-top: -9px;\r\n    }\r\n\r\n    input[type=range]:focus::-webkit-slider-runnable-track {\r\n        background: none;\r\n    }\r\n\r\n    input[type=range]::-moz-range-track {\r\n        width: 100%;\r\n        height: 7px;\r\n        cursor: pointer;\r\n        box-shadow: 0px 0px 0px rgba(0, 0, 0, 0), 0px 0px 0px rgba(13, 13, 13, 0);\r\n        background: red;\r\n        border-radius: 25px;\r\n    }\r\n\r\n    input[type=range]::-moz-range-thumb {\r\n        box-shadow: 1px 1px 1px rgba(0, 0, 0, 0), 0px 0px 1px rgba(13, 13, 13, 0);\r\n        border: 1px solid rgba(0, 0, 0, 0);\r\n        height: 24px;\r\n        width: 24px;\r\n        border-radius: 8px;\r\n        background: #2B3874;\r\n        cursor: pointer;\r\n    }\r\n\r\n    input[type=range]::-ms-track {\r\n        width: 100%;\r\n        height: 7px;\r\n        cursor: pointer;\r\n        background: transparent;\r\n        border-color: transparent;\r\n        color: transparent;\r\n        margin: 8px 0 8px 0;\r\n    }\r\n\r\n    input[type=range]::-ms-fill-lower {\r\n        background: #434950;\r\n        border: 0px solid rgba(1, 1, 0, 0);\r\n        border-radius: 50px;\r\n        box-shadow: 0px 0px 0px rgba(0, 0, 0, 0), 0px 0px 0px rgba(13, 13, 13, 0);\r\n    }\r\n\r\n    input[type=range]::-ms-fill-upper {\r\n        background: #454c53;\r\n        border: 0px solid rgba(1, 1, 0, 0);\r\n        border-radius: 50px;\r\n        box-shadow: 0px 0px 0px rgba(0, 0, 0, 0), 0px 0px 0px rgba(13, 13, 13, 0);\r\n    }\r\n\r\n    input[type=range]::-ms-thumb {\r\n        box-shadow: 1px 1px 1px rgba(0, 0, 0, 0), 0px 0px 1px rgba(13, 13, 13, 0);\r\n        border: px solid rgba(0, 0, 0, 0);\r\n        height: 25px;\r\n        width: 25px;\r\n        border-radius: 50px;\r\n        background: #2B3874;\r\n        cursor: pointer;\r\n        margin-top: 1px;\r\n    }\r\n\r\n    input[type=range]:focus::-ms-fill-lower {\r\n        background: #454c53;\r\n    }\r\n\r\n    input[type=range]:focus::-ms-fill-upper {\r\n        background: #474f56;\r\n    }\r\n\r\n    .inv_range_slider-label_wrapper {}\r\n\r\n    .results {\r\n         background-color: #fff;\r\n    border-radius: 16px;\r\n    display: inline-block;\r\n    width: 49%;\r\n    padding: 16px 16px 16px 0px;\r\n    height: 100%;\r\n    vertical-align: top;\r\n    }\r\n\r\n    #investement-calculator output {\r\n        display: inline-block;\r\n        padding-top: 0px !important;\r\n    }\r\n\r\n    #investement-calculator>div.inv_range_slider-wrapper {\r\n        \/* width: 350px; *\/\r\n        display: inline;\r\n        flex-direction: column;\r\n    }\r\n\r\n    #investement-calculator>div.inv_range_slider-wrapper>div {\r\n        display: flex;\r\n    }\r\n\r\n    #investement-calculator button {\r\n  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fa-info-circle\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ee01bc elementor-widget__width-auto elementor-widget elementor-widget-html\" data-id=\"1ee01bc\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\n    \/* [Object] Modal\n * =============================== *\/\n.modal {\n  opacity: 0;\n  visibility: hidden;\n  position: fixed;\n  top: 0;\n  right: 0;\n  bottom: 0;\n  left: 0;\n  text-align: left;\n  background: rgba(0,0,0, .9);\n  transition: opacity .45s ease;\n  z-index: 99999\n}\n\n.modal__bg {\n  position: absolute;\n  top: 0;\n  right: 0;\n  bottom: 0;\n  left: 0;\n  cursor: pointer;\n}\n\n.modal-state {\n  display: none;\n}\n\n.modal-state:checked + .modal {\n  opacity: 1;\n  visibility: visible;\n}\n\n.modal-state:checked + .modal .modal__inner {\n  top: 50px;\n}\n\n.modal__inner {\n  transition: top .25s ease;\n  position: absolute;\n  top: -20%;\n  right: 0;\n  bottom: 0;\n  left: 0;\n  width: 50%;\n  margin: 6em auto;\n  overflow: auto;\n  background: #fff;\n  border-radius: 8px;\n  padding: 2em 2em;\n  height: 50%;\n}\n\n.modal__close {\n  position: absolute;\n  right: 1em;\n  top: 1em;\n  width: 1.1em;\n  height: 1.1em;\n  cursor: pointer;\n}\n\n.modal__close:after,\n.modal__close:before {\n  content: '';\n  position: absolute;\n  width: 2px;\n  height: 1.5em;\n  background: #ccc;\n  display: block;\n  transform: rotate(45deg);\n  left: 50%;\n  margin: -3px 0 0 -1px;\n  top: 0;\n}\n\n.modal__close:hover:after,\n.modal__close:hover:before {\n  background: #aaa;\n}\n\n.modal__close:before {\n  transform: rotate(-45deg);\n}\n\n@media screen and (max-width: 768px) {\n\t\n  .modal__inner {\n    width: 90%;\n    height: 90%;\n    box-sizing: border-box;\n  }\n}\n.hoverbtn{\n    text-decoration: underline;\n}\n.hoverbtn:hover{\n    color:#5D6EDA;\n}\n<\/style>\n\n\n\n<div>\n   <p ><label class=\"hoverbtn\" style=\"color:#0F1D78; font-family:barlow, sans serif; font-size:15px\" for=\"modal-1\">Hinweis zur Berechnung<\/label><\/p>\n\n<\/div>\n\n\n<input class=\"modal-state\" id=\"modal-1\" type=\"checkbox\" \/>\n<div class=\"modal\">\n  <label class=\"modal__bg\" for=\"modal-1\"><\/label>\n  <div class=\"modal__inner\">\n    <label class=\"modal__close\" for=\"modal-1\"><\/label>\n    <h2 style=\"font-size:16px;font-weight:500;\">Hinweise zur Berechnung<\/h2>\n    <p style=\"font-size:12px;\">Dem Zukunftsrechner liegen historische Daten repr\u00e4sentativer Index- und ETF\/ETC-Portfolios zugrunde, deren relevante Merkmale der jeweiligen Anlagestrategie m\u00f6glichst weitgehend entsprechen. Das 5%-Quantil stellt eine schlechte, das 50%-Quantil, eine mittlere und das 95%-Quantil eine gute Wertentwicklung dar. Wertentwicklungen unter dem 5%- und \u00fcber dem 95%-Quantil sind mit entsprechend geringer Wahrscheinlichkeit m\u00f6glich. Einzelheiten hierzu findest Du in der \u201cErl\u00e4uterung der Rendite-Erwartung\u201d auf www.oskar.de. Fr\u00fchere Wertentwicklungen, Simulationen oder Prognosen sind kein verl\u00e4sslicher Indikator f\u00fcr k\u00fcnftige Wertentwicklungen. Die Kapitalanlage ist mit Risiken verbunden und kann zum vollst\u00e4ndigen Verlust des eingesetzten Verm\u00f6gens f\u00fchren. In der dargestellten Rendite-Erwartung sind Kosten f\u00fcr die Verm\u00f6gensverwaltung und die Service-Geb\u00fchr in H\u00f6he von jeweils 0,425% p.a., die Kosten f\u00fcr den Wertpapierhandel von 0,15% p.a. sowie die Produktkosten der ETF-Anbieter in H\u00f6he von durchschnittlich 0,14% p.a. bereits ber\u00fccksichtigt. Zu entrichtende Steuern bleiben unber\u00fccksichtigt, da steuerliche Effekte von individuellen Umst\u00e4nden abh\u00e4ngen und insofern der Vergleichbarkeit von Wertentwicklungen nicht dienlich sind.<\/p>\n  <\/div>\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2787231c elementor-section-stretched elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2787231c\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b1a472d\" data-id=\"5b1a472d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-64a6e6cb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"64a6e6cb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d95139a\" data-id=\"d95139a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45b0c152 elementor-widget elementor-widget-text-editor\" data-id=\"45b0c152\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Die Kapitalanlage ist mit Risiken verbunden. Der Wert Deiner Kapitalanlage kann fallen oder steigen. Es kann zu Verlusten des eingesetzten Kapitals kommen. Fr\u00fchere Wertentwicklungen, Simulationen oder Prognosen sind kein verl\u00e4sslicher Indikator f\u00fcr die k\u00fcnftige Wertentwicklung. Bitte beachte unsere <a href=\"https:\/\/www.oskar.de\/risikohinweise\/\">Risikohinweise<\/a>.<\/p><p>\u00b9Quelle: Familie.de<\/p><p>ETFs (exchange-traded Funds) sind als b\u00f6rsengehandelte Indexfonds eine sinnvolle Alternative gegen\u00fcber klassischen Fonds und Einzelaktien und eignen sich f\u00fcr den langfristigen Verm\u00f6gensaufbau der eigenen Kinder oder Enkelkinder.\u00a0In Form von ETF-Sparpl\u00e4nen ist diese Form der Geldanlage nicht nur eines der g\u00fcnstigsten Anlageprodukte, sondern bietet auch ein <strong>vorz\u00fcgliches Rendite-Risiko-Profil<\/strong>.<\/p><p>\u00dcber einen <strong>ETF-Sparplan f\u00fcr Kinder<\/strong> kaufst Du regelm\u00e4\u00dfig Anteile von Indexfonds um von der Entwicklung eines B\u00f6rsenindex zu profitieren. Daher unterscheidet sich diese Form der Geldanlage im Prinzip nicht von einem <strong>Banksparplan<\/strong>. Du kannst so bereits mit kleinen monatlichen Betr\u00e4gen renditestark f\u00fcr Dein Kind investieren um langfristig ein Verm\u00f6gen aufzubauen. Das besondere an ETFs ist, dass diese nicht schlechter als der Markt abschneiden, da sie einen B\u00f6rsenindex abbilden \u2013 im Optimalfall 1:1. Wenn Du rechtzeitig mit der Geldanlage beginnst, dann kannst Du bereits mit kleinen Betr\u00e4gen ein stattliches Verm\u00f6gen f\u00fcr den Nachwuchs aufbauen. Wenn Du etwa 100 Euro pro Monat in einen ETF-Sparplan investierst, also z.B. gerade einmal die H\u00e4lfte des Kindergeldes, dann ergibt sich bei einer minimalen Rendite von drei Prozent und einer Laufzeit von 18 Jahren ein Verm\u00f6gen von \u00fcber 28.000 Euro. Und das Beste daran, wenn Du im Namen des Kindes ansparst, ist der Gro\u00dfteil der Zins-Gewinne \u00fcber den Steuerfreibetrag steuerfrei.<\/p><p>Ein sogenannter <strong>Robo-Advisor<\/strong> wie OSKAR \u00fcbernimmt automatisiert als digitaler Verm\u00f6gensverwalter den Anlageprozess. Dieser Service kostet Dich allerdings nur einen Bruchteil als die Verwaltung \u00fcber Deine Hausbank. Das <strong>investierte Kapital wird intelligent und professionell verwaltet<\/strong> und in die g\u00fcnstigsten ETFs mit weltweiter Abdeckung angelegt. Ein weiterer gro\u00dfer Vorteil: Dein Kapital wird nicht f\u00fcr einen bestimmten Zeitraum angelegt und Du kommst daher jederzeit an Dein Geld, falls n\u00f6tig.<\/p><p>Um mit OSKAR in einen <strong>ETF-Sparplan f\u00fcr Kinder<\/strong> zu investieren, ben\u00f6tigst Du grunds\u00e4tzlich keine detaillierten Finanzmarktkenntnisse. Wir haben die <strong>Verm\u00f6gensverwaltung f\u00fcr Kinder<\/strong> bewusst so entwickelt, dass diese einfach zu verstehen und einzurichten ist. Durch die Investition in den gesamten Markt (mit Hilfe von ETFs) und nicht in einzelne Unternehmen werden die Risiken breit gestreut, denn ETFs bilden Indizes wie z.B. den DAX nach. Du musst Dich also nicht mit der Gesch\u00e4ftsentwicklung oder dem Gesch\u00e4ftsmodell einzelner Unternehmen besch\u00e4ftigen, sondern partizipierst an der gesamtwirtschaftlichen Entwicklung. Ein Totalausfall der ETF Anlage ist zudem eher unwahrscheinlich.\u00a0Es entstehen bei Kauf- oder Verkauf von Anteilen keine Extra-Kosten.<\/p><p>Als rechtliches Sonderverm\u00f6gen genie\u00dft ein ETF-Sparplan f\u00fcr Kinder auch besonderen Schutz und f\u00e4llt zum Beispiel im Falle einer Insolvenz nicht in die Konkursmasse.\u00a0Auch die Kosten einer solchen <strong>ETF Anlage f\u00fcr Kinder<\/strong> sind im Vergleich zu traditionellen Fonds vergleichsweise gering. Ein ETF-Sparplan f\u00fcr Kinder bietet sich an, um alle kleinen und gro\u00dfen Geldgeschenke langfristig anzulegen, die Kinder an Feiertagen und Geburtstagen von Verwandten erhalten.\u00a0Mit dieser Form der <strong>Geldanlage f\u00fcr Kinder<\/strong> kannst Du bereits ab einer monatlichen Sparrate von 25\u20ac oder flexiblen Einmalzahlungen f\u00fcr Dein <strong>Kind oder Enkelkind Geld ansparen<\/strong> und l\u00e4sst dadurch das Verm\u00f6gen des Kindes stetig anwachsen.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>ETF-Sparplan f\u00fcr Kinder Viele Tausend Eltern haben bereits mit Oskar einen ETF-Sparplan f\u00fcr ihre Kinder angelegt. Denn das geht ganz einfach, das Geld wird intelligent verwaltet und Oma und Opa k\u00f6nnen auch mitsparen. Kunde werden Mehr erfahren Die Kapitalanlage ist mit Risiken verbunden. OSKAR Portfolios verwaltet von Scalable Capital. OSKAR f\u00fcr Kinder \u2013 ein \u00dcberblick [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>F\u00fcr Kinder A1 - OSKAR, der einfache ETF Sparplan<\/title>\n<meta name=\"description\" content=\"ETF-Sparplan f\u00fcr Kinder mit OSKAR. Bestnote sehr gut. Digitaler Verm\u00f6gensaufbau mit eigenem Konto beim Testsieger. 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