von Dominique Riedl
Mit ETFs (Exchange Traded Funds) kannst du einfach und günstig in Aktien investieren und langfristig Vermögen aufbauen. Ein ETF ist ein börsengehandelter Indexfonds, der die Wertentwicklung bekannter Marktindizes eins zu eins abbildet.
- Level: Für Beginner
- Lesedauer: 5 Minuten
Ein ETF (engl.: „Exchange Traded Fund”) ist ein börsengehandelter Indexfonds, der die Wertentwicklung eines Index, wie beispielsweise des DAX, abbildet. Im Kern vereinen ETFs die Vorteile von Aktien und Fonds in einem Produkt.
Was dich in diesem Artikel erwartet
- ETF Definition: Exchange Traded Funds – börsengehandelte Indexfonds
- Was ist ein ETF?
- Was ist ein Fonds?
- Indexfonds – Was ist das?
- Warum empfiehlt mir mein Bankberater keine ETFs?
ETF Definition: Exchange Traded Funds – börsengehandelte Indexfonds
ETFs ermöglichen es dir, mit einem Wertpapier kostengünstig in ganze Märkte zu investieren. Beispielsweise streust du mit einem einzigen MSCI World-ETF dein Investment auf rund 1.600 Unternehmen aus aller Welt.Neben Aktien kannst du mit ETFs auch in viele andere Anlageklassen investieren.
Aufgrund dieser Vielfalt und ihrer spezifischen Eigenschaften sind ETFs perfekte Bausteine für die private Geldanlage. Kein Wunder also, dass immer mehr Menschen bei der Vermögensbildung auf ETFs setzen. ETFs bilden einfach eins zu eins einen Marktindex nach und können – wie eine Aktie – jederzeit an der Börse gehandelt werden.
ETFs: Das Wichtigste auf einen Blick
- Mit ETFs kannst du dichbreit aufstellen: Mit nur einem ETF investierst duin viele tausend Unternehmen rund um den Globus.
- ETFs handeln und halten ist kostengünstig. Dabei kannst duschon ab einer Sparrate von einem Euro Sparpläne anlegen, um Vermögen aufzubauen.
- ETFs sind transparent und werden an europäischen Börsen gehandelt.
Tipp Hast du eigentlich schon ein ETF-Depot? Zum Online Broker-Vergleich
Ein ETF ist ein börsengehandelter Indexfonds
Am besten lassen sich die Funktionsweise und die Vorteile eines ETF anhand der drei Teile erklären, aus denen sich der Begriff „börsengehandelter Indexfonds“ zusammensetzt.
Was ist ein Fonds?
Ein Investmentfonds ist eine Sammelstelle für Anlagegelder. Plakativ ausgedrückt legen viele Anlegerinnen und Anleger ihr Geld zusammen und erteilen einem Profi (Fondsmanager) den Auftrag, das Kapital im Rahmen einer vorgegebenen Anlagestrategie möglichst ertragreich und breit gestreut zu investieren.
Somit sind auch ETF Fonds – auch wenn es manchen ETF-Fan bisweilen verwirrt, wenn das Wort Fonds als Synonym für einen ETF benutzt wird. Aber dass ETFs Fonds sind, steckt allein schon im Namen “Exchange Traded Funds”. Die Verwirrung beruht wohl darauf, dass mit “Fonds” meistens aktiv gemanagte Fonds gemeint sind.
Funktionsweise eines Investmentfonds
In der Anlagestrategie ist festgelegt, in welche Anlageklassen (zum Beispiel Aktien, Anleihenund Rohstoffe) der Fondsmanager investieren darf.
Die Besonderheit eines Investmentfonds ist, dass es sich bei den Geldern der Anlegerinnen und Anleger umein Sondervermögenhandelt, das treuhänderisch von einer Depotbank verwahrt wird und vom Vermögen der Fondsgesellschaft rechtlich getrennt ist. Deshalb ist das angelegte Geld auch bei einer Insolvenz der Fondsgesellschaft geschützt.
Der Manager eines klassischen Publiku*msfondshat die Aufgabe, durch den Kauf und den Verkauf von Wertpapieren eine höhere Rendite zu erzielen als die des jeweiligen Vergleichsindex (Benchmark). Allerdings gelingt dies wissenschaftlichen Studienzufolge langfristig (etwa bei einem Zeitraum von mehr als drei Jahren) nur sehr wenigen Fondsmanagern, wie wir im Artikel "Aktive Manager schlagen den Markt nicht" erklären.
justETF Tipp:Der einfachste Weg zumVermögensaufbau – Wasdu über ETF Sparpläne wissen musst.
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| Broker | Testurteil ETF Sparplan Test | Anzahl kostenlose ETF Sparpläne | Kosten für 100€ ETF Sparplan | |
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| 2264 | 0,00€ | Zum Angebot* | ||
| 2125 | 0,00€ | Zum Angebot* | ||
| 1425 | 0,00€ | Zum Angebot* | ||
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Quelle: justETF Research; Stand: 1/2024; *Affiliate Link
— Gebühren zzgl. marktüblicher Spreads, Zuwendungen und Produktkosten.
Indexfonds – Was ist das?
Bei einemIndexfonds sorgt der Anbieter dafür, dass der Fonds die Entwicklung eines Index so genau wie möglich abbildet. Die im Fonds enthaltenen Wertpapiere und deren Gewichtung sind daher vom abgebildeten Index genau vorgegeben. Indizes sind Marktbarometer, die die Wertentwicklung ganzer Märkte erfassbar machen.
Ein Indexfonds hat den großen Vorteil, dass du stets weißt, worin du investiert bist. Denn die Zusammensetzung des zugrundeliegenden Index, wie zum Beispiel des DAX, ist bekannt und kann jederzeit eingesehen werden. Der Deutsche Aktienindex (DAX) enthält die Aktien der 40 größten deutschen Aktiengesellschaften gewichtet nach ihrer Größe.
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Was sind ETFs? – ETF-Fonds einfach erklärt am Beispiel des DAX
Quelle:STOXX Ltd.;Stand: September2021
Durch die Index-Nachbildung sind bei Indexfonds und ETFs (im Vergleich zu aktiven Investmentfonds) keine aufwändigen Analysen zur Titelauswahl notwendig. Aus diesem Grund erhält der ETF-Anbieter für seine Leistung nur eine sehr geringe jährliche Gebühr.ETFs sind daher auch deutlich günstiger als klassische Publiku*msfonds – und weisen in den meisten Fällen eine bessere Wertentwicklung auf.
justETF Tipp: Indexfonds vs. ETFs – Was sind die Gemeinsamkeiten und wo liegen die Unterschiede? Wir erklären es dir.
Börsengehandelte Indexfonds – Was bedeutet das?
Ebenso wie Aktien werden ETFs an der Börse gehandelt. Deshalb kannst du während der Börsenöffnungszeiten jederzeit ETFs kaufen und verkaufen – über einen Online Broker wie beispielsweise Scalable Capital, Trade Republic oder die ING. Im Vergleich dazu werden klassische Publiku*msfonds nur einmal am Tag über die Fondsgesellschaft gehandelt.
Während bei Publiku*msfonds in der Regel hohe Ausgabeaufschläge anfallen, entstehen beim Börsenhandel von ETFs nur die Ordergebühren der Bank und eine meist geringe Differenz zwischen An- und Verkaufspreis (engl. „Spread”).
Fast jeder ETF ist mittlerweile auch in einemETF Sparplanerhältlich – in den meisten Fällen bereits ab einer Sparrate von 1 Euro. Dank Aktionsangeboten der verschiedenen Online Broker fallen dabei häufig überhaupt keine Ordergebühren an.
Warum empfiehlt mir mein Bankberater keine ETFs?
Bei provisionsorientierten Finanzberatern und Filialbanken sind ETFs unbeliebte Produkte. Denn diese Berater leben in der Regel von Provisionen, die ihnen für die Vermittlung von Finanzprodukten von den jeweiligen Fondsanbietern gezahlt werden. Diese Provisionen gibt es bei ETFs jedoch nicht. Aus diesem Grund haben die meisten Anlageberater kein allzu großes Interesse daran, dir ETFs näherzubringen (unabhängige Honorarberater bilden hierbei die Ausnahme).
Das muss dich jedoch überhaupt nicht stören: Denn ETFs eignen sich hervorragend dafür, die eigenen Finanzen selbst in die Hand zu nehmen – auch beziehungsweise gerade dann, wenn du im Moment noch Einsteiger:in beim Thema Geldanlage bist.
Deine ersten 10.000 Euro mit ETFs
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In summary, Exchange Traded Funds (ETFs) are versatile investment vehicles that combine the benefits of stocks and funds. They offer investors the opportunity to diversify their portfolios, access various asset classes, and build wealth cost-effectively. The transparency, flexibility, and lower costs associated with ETFs make them increasingly popular for individuals looking to manage their finances independently.
