[{"data":1,"prerenderedAt":1547},["ShallowReactive",2],{"comparison-robo-advisor":3},{"directusData":4,"page":1245,"uri":1545,"type":1546},{"id":5,"slug":6,"title":7,"product_selection_title":8,"text":9,"date_updated":10,"factsheet":11,"disclaimer":16,"show_calculator":17,"show_filter":17,"show_layout_toggle":17,"default_parameters":18,"table_columns":19,"table_sort":138,"award_highlight":141,"tags":18,"award_1_label":142,"user_created":143,"award_1_item":149,"items":160},10,"robo-advisor","Robo-Advisor-Vergleich","Deine Robo-Advisor Auswahl","\u003Ch2>Beste Robo-Advisors im Test (07\u002F2026)\u003C\u002Fh2>\n\u003Cp>Robo-Advisors sind digitale Anlagehelfer, die das Investieren, Rebalancing und Verwalten deines Portfolios übernehmen. Obwohl sich die Anlagestrategien weitgehend ähneln, gibt es große Unterschiede bei den Kosten, die sich negativ auf die Rendite auswirken können. Unsere Community hat die wichtigsten Kriterien ausgewählt, um dir dabei zu helfen, den besten Robo-Advisor in diesem Vergleich zu finden.\u003C\u002Fp>","2026-07-01T09:09:00.929Z",[12],{"label":13,"value":14,"icon":15},"Befragte Personen","475","users","\u003Cp>Quellen: Konditionen-Verzeichnisse und Website-Auskünfte der Anbieter\u003C\u002Fp>\n\u003Cp>Hinweis: Wir können leider keine Gewähr für die Aktualität, Richtigkeit und Vollständigkeit der Informationen auf dieser Seite übernehmen. Auf den Webseiten der entsprechenden Anbieter findest du alle aktuellen Produkt- und Preisinformationen. Die aufgeführten Konditionen im Vergleich beziehen sich auf Neukunden. Wie wir die Punkte für einzelne Konditionen vergeben, findest du \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vQPnqJQuiXTFABFDAw6coXc_PvTeahRMlUv8F3TbOwGOh51ifhXoSpC0oIRdfm4mxgQXN1ejQLAZR-c\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">in unserer Übersicht\u003C\u002Fa>. Als Highlights heben wir den Testsieger sowie besonders attraktive Angebote (z.B. eine hohe Startprämie) bei Produkten mit der Note „sehr gut“ farblich hervor.\u003C\u002Fp>\n\u003Cp>*Das ist ein Werbe- oder Affiliate-Link. Wenn du darauf klickst und etwas kaufst oder abschließt, erhalten wir eine Provision. Für dich entstehen dadurch keine Mehrkosten und du unterstützt damit unsere Arbeit. Unsere Produktbewertungen bleiben davon unbeeinflusst. Erfahre hier, \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fso-verdienen-wir-geld\u002F\">wie wir uns finanzieren\u003C\u002Fa>.\u003C\u002Fp>",false,null,[20,24,28,32,36,43,49,54,58,62,65,69,74,78,81,86,89,93,97,100,103,106,109,112,116,121,127,131,135],{"label":21,"key":22,"type":22,"active":23},"Ranking","provider",true,{"label":25,"key":26,"type":27,"active":23},"Produkt","label","product",{"label":29,"key":30,"type":31,"active":23},"Angebot","url","cta",{"label":33,"key":34,"type":35,"active":17},"Preis-Leistungs-Verzeichnis","plv_link","link",{"label":37,"key":38,"type":38,"active":23,"options":39,"sortable":17,"sort_options":40,"description":42},"Testnote","rating",[],[41],"default_sort","\u003Cp>Wenn du wissen möchtest, wie wir getestet haben, dann kannst du dir \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vQPnqJQuiXTFABFDAw6coXc_PvTeahRMlUv8F3TbOwGOh51ifhXoSpC0oIRdfm4mxgQXN1ejQLAZR-c\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa> ansehen.\u003C\u002Fp>",{"label":44,"key":45,"type":46,"active":23,"description":47,"sortable":17,"sort_options":41,"mobile_rank":48},"Servicegebühr pro Jahr","cost","text","\u003Cp>Kosten, die jährlich für den Robo-Advisor anfallen und an denen der Robo-Advisor verdient. \u003C\u002Fp>",1,{"label":50,"key":51,"type":46,"active":23,"description":52,"mobile_rank":53},"ETF Portfolio Kosten","cost_etf_portfolio","\u003Cp>TER eines Portfolios. Dafür wurde ein beispielhaftes Portfolio mit einer ausgewogenen bis hohen Risikostufe ausgewählt.\u003C\u002Fp>",2,{"label":55,"key":56,"type":57,"active":17},"Performancegebühr","performance_fee","check",{"label":59,"key":60,"type":57,"active":23,"mobile_rank":61},"Sparplanfähig","savings_plan_able",5,{"label":63,"key":64,"type":57,"active":23},"Auszahlungsplan","withdrawal_plan",{"label":66,"key":67,"type":46,"active":23,"description":68},"Mindestsparrate","min_savings_rate_amount","\u003Cp>Dieser Betrag muss mindestens pro Monat investiert werden, wenn du einen Sparplan nutzen möchtest.\u003C\u002Fp>",{"label":70,"key":71,"type":46,"active":23,"mobile_rank":72,"description":73},"Mindestanlagesumme","minimum_investment_amount",4,"\u003Cp>Der Betrag, der mindestens investiert werden muss, wenn du per Einmal-Anlage investieren möchtest. Wenn du per Sparplan investierst, kann dieser Mindestbetrag entfallen.\u003C\u002Fp>",{"label":75,"key":76,"type":77,"active":23},"Anlagestrategien","investment_criteria","features",{"label":79,"key":80,"type":77,"active":23,"mobile_rank":18},"Anlageuniversum","investment_universe",{"label":82,"key":83,"type":46,"active":23,"description":84,"mobile_rank":85},"Anzahl der Strategien","strategies_count","\u003Cp>Innerhalb jeder Strategie sind in der Regel mehrere Risikoallokationen möglich\u003C\u002Fp>",3,{"label":87,"key":88,"type":57,"active":23},"Nachhaltiges Portfolio möglich","sustainable_portfolio_possibility",{"label":90,"key":91,"type":46,"active":23,"description":92},"Anzahl der Titel","titles_count","\u003Cp>Anzahl der Titel eines beispielhaften Portfolios mit einer ausgewogenen bis hohen Risikostufe.\u003C\u002Fp>",{"label":94,"key":95,"type":35,"active":23,"description":96},"Verwendete ETFs","used_etfs","\u003Cp>Verwendete ETFs eines beispielhaften Portfolios mit einer ausgewogenen bis hohen Risikostufe. 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data-sheets-root=\"1\">Monatlich 1€ für jede weitere Anlagestrategie bei UnitPlus\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">AktienPlus, andere Strategien seperat möglich\u003C\u002Fspan>\u003C\u002Fp>",[1206,1207],{"feature":166,"rating":167},{"feature":169,"rating":167},[1209,1210,1211],{"label":174,"value":17,"description":175},{"label":177,"value":23,"description":268},{"label":180,"value":23,"description":315},[1213,1214,1215],{"feature":184,"rating":167},{"feature":186,"rating":167},{"feature":320,"rating":167},[1217,1218],{"feature":683,"rating":23},{"feature":843,"rating":17},4.1923,"https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Funitplus-robo","UnitPlus AktienPlus","Zur ETF-Suche","0,50%","0,26%","Finax","2025-12-02T14:32:13.595Z","2025-07-30T08:24:24.477Z",[1229,1231],{"label":215,"image":1230},{"id":217,"filename_download":218},{"label":225,"image":1232},{"id":227,"filename_download":228},[1234,1236,1238],{"label":231,"logo":1235},{"id":233,"filename_download":234},{"label":236,"logo":1237},{"id":238,"filename_download":239},{"label":241,"logo":1239},{"id":243,"filename_download":244},{"label":1241,"tan_method_value":18,"tan_method_description":18,"ident_method_value":18,"ident_method_description":18,"customer_support":18,"customer_support_description":18,"app_rating_value":18,"app_rating_description":18,"branches":18,"branches_description":18,"bic":18,"app_rating":18,"logo":1242},"Unit Plus",{"id":1243,"filename_download":1244},"d21c808d-1f12-412e-a8e9-47a66e2eb32c","unit+_Logo_130x35.svg",{"blocks":1246,"breadcrumbs":1528,"id":1534,"seo":1535,"slug":6,"title":1544},[1247,1256,1263,1269,1275,1281,1291,1297,1303,1309,1316,1322,1328,1334,1340,1346,1352,1358,1364,1378,1384,1390,1396,1402,1408,1414,1420,1426,1432,1438,1448,1454,1460,1466,1482,1488,1505,1519],{"innerBlocks":1248,"name":1249,"postId":1250,"originalContent":1251,"order":363,"get_parent":1252,"attributes":1253,"dynamicContent":18},[],"core\u002Fheading",3052728,"\u003Ch2>Was ist ein Robo-Advisor?\u003C\u002Fh2>",{},{"content":1254,"level":53,"anchor":1255},"Was ist ein Robo-Advisor?","",{"innerBlocks":1257,"name":1258,"postId":1250,"originalContent":1259,"get_parent":1260,"attributes":1261,"dynamicContent":18},[],"core\u002Fparagraph","\u003Cp>Ein \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fgeldanlage\u002Frobo-advisor\u002F\">Robo-Advisor\u003C\u002Fa> ist ein digitaler Vermögensberater, der automatisiert Geld für dich anlegt. In der Regel investiert ein Robo-Advisor passiv in verschiedene Aktien- und Anleihen-ETFs. Die Aufteilung zwischen risikoarmen Anleihen-ETFs und risikobehafteten Aktien-ETFs lässt sich meist selbst wählen, sodass das Portfolio an die eigene Risikotoleranz angepasst werden kann. Vor der Anmeldung unterstützt ein Interviewprozess, der die Risikotoleranz abfragt.\u003C\u002Fp>",{},{"content":1262,"dropCap":17,"anchor":1255},"Ein \u003Ca href=\"\u002Fgeldanlage\u002Frobo-advisor\u002F\" class=\"app-link\">Robo-Advisor\u003C\u002Fa> ist ein digitaler Vermögensberater, der automatisiert Geld für dich anlegt. In der Regel investiert ein Robo-Advisor passiv in verschiedene Aktien- und Anleihen-ETFs. Die Aufteilung zwischen risikoarmen Anleihen-ETFs und risikobehafteten Aktien-ETFs lässt sich meist selbst wählen, sodass das Portfolio an die eigene Risikotoleranz angepasst werden kann. Vor der Anmeldung unterstützt ein Interviewprozess, der die Risikotoleranz abfragt.",{"innerBlocks":1264,"name":1258,"postId":1250,"originalContent":1265,"get_parent":1266,"attributes":1267,"dynamicContent":18},[],"\u003Cp>Zwar investieren Robo-Advisors überwiegend in ETFs, die auch ohne den Service besparbar sind. Doch übernimmt dieser etwa das Rebalancing, sodass die Bestandteile im Portfolio immer im richtigen Verhältnis zueinander stehen.\u003C\u002Fp>",{},{"content":1268,"dropCap":17,"anchor":1255},"Zwar investieren Robo-Advisors überwiegend in ETFs, die auch ohne den Service besparbar sind. Doch übernimmt dieser etwa das Rebalancing, sodass die Bestandteile im Portfolio immer im richtigen Verhältnis zueinander stehen.",{"innerBlocks":1270,"name":1258,"postId":1250,"originalContent":1271,"get_parent":1272,"attributes":1273,"dynamicContent":18},[],"\u003Cp>Auch bei komplexeren Portfolios, zum Beispiel, wenn mithilfe von mehreren ETFs die Regionen individuell gewichtet werden, erspart ein Robo-Advisor das Ausführen von verschiedenen Sparplänen und eine Menge administrativen Aufwand.\u003C\u002Fp>",{},{"content":1274,"dropCap":17,"anchor":1255},"Auch bei komplexeren Portfolios, zum Beispiel, wenn mithilfe von mehreren ETFs die Regionen individuell gewichtet werden, erspart ein Robo-Advisor das Ausführen von verschiedenen Sparplänen und eine Menge administrativen Aufwand.",{"innerBlocks":1276,"name":1258,"postId":1250,"originalContent":1277,"get_parent":1278,"attributes":1279,"dynamicContent":18},[],"\u003Cp>Somit richtet sich ein Robo-Advisor vorwiegend an diejenigen, die nicht die Zeit aufbringen möchten, ihr eigenes Portfolio zu managen. Ein Robo-Advisor ist eine günstige Alternative zu einer Vermögensverwaltung durch einen aktiven Fonds oder einen Berater bei der eigenen Hausbank. \u003C\u002Fp>",{},{"content":1280,"dropCap":17,"anchor":1255},"Somit richtet sich ein Robo-Advisor vorwiegend an diejenigen, die nicht die Zeit aufbringen möchten, ihr eigenes Portfolio zu managen. Ein Robo-Advisor ist eine günstige Alternative zu einer Vermögensverwaltung durch einen aktiven Fonds oder einen Berater bei der eigenen Hausbank.",{"innerBlocks":1282,"name":1283,"postId":1250,"originalContent":1284,"get_parent":1285,"attributes":1286,"dynamicContent":18},[],"core\u002Fembed","\u003Cfigure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\u003Cdiv class=\"wp-block-embed__wrapper\">\nhttps:\u002F\u002Fwww.youtube.com\u002Fwatch?v=38633nRZZjE\n\u003C\u002Fdiv>\u003C\u002Ffigure>",{},{"caption":1255,"allowResponsive":23,"responsive":23,"previewable":23,"url":1287,"type":1288,"providerNameSlug":1289,"className":1290},"https:\u002F\u002Fwww.youtube.com\u002Fwatch?v=38633nRZZjE","video","youtube","wp-embed-aspect-16-9 wp-has-aspect-ratio",{"innerBlocks":1292,"name":1249,"postId":1250,"originalContent":1293,"get_parent":1294,"attributes":1295,"dynamicContent":18},[],"\u003Ch2>Worin investiert ein Robo-Advisor?\u003C\u002Fh2>",{},{"content":1296,"level":53,"anchor":1255},"Worin investiert ein Robo-Advisor?",{"innerBlocks":1298,"name":1258,"postId":1250,"originalContent":1299,"get_parent":1300,"attributes":1301,"dynamicContent":18},[],"\u003Cp>Die Mehrheit der Robo-Advisors investiert in Aktien-ETFs und Anleihen-ETFs. Hinzu kommen einige Anbieter, die auch Investitionen in Rohstoffe, Immobilien-ETFs oder alternative Anlagen anbieten.\u003C\u002Fp>",{},{"content":1302,"dropCap":17,"anchor":1255},"Die Mehrheit der Robo-Advisors investiert in Aktien-ETFs und Anleihen-ETFs. Hinzu kommen einige Anbieter, die auch Investitionen in Rohstoffe, Immobilien-ETFs oder alternative Anlagen anbieten.",{"innerBlocks":1304,"name":1258,"postId":1250,"originalContent":1305,"get_parent":1306,"attributes":1307,"dynamicContent":18},[],"\u003Cp>Die Anlageklassen von Robo-Advisors im Überblick:\u003C\u002Fp>",{},{"content":1308,"dropCap":17,"anchor":1255},"Die Anlageklassen von Robo-Advisors im Überblick:",{"innerBlocks":1310,"name":1311,"postId":1250,"originalContent":1312,"get_parent":1313,"attributes":1314,"dynamicContent":18},[],"core\u002Flist","\u003Cul>\u003Cli>\u003Cstrong>Aktien-ETFs\u003C\u002Fstrong>\u003Cbr>Investieren breit gestreut und regelbasiert in Aktien verschiedener Regionen.\u003C\u002Fli>\u003Cli>\u003Cstrong>Anleihen ETFs\u003C\u002Fstrong>\u003Cbr>Investieren in Staats- oder Unternehmensanleihen und dienen in der Regel als risikoarmer Teil des Portfolios.\u003C\u002Fli>\u003Cli>\u003Cstrong>Rohstoffe\u003Cbr>\u003C\u002Fstrong>Werden über ETFs oder ETCs abgebildet. Robo-Advisors investieren entweder in einzelne Rohstoffe wie Gold oder in breit gestreute Rohstoffkörbe.\u003C\u002Fli>\u003Cli>\u003Cstrong>Immobilien-ETFs\u003Cbr>\u003C\u002Fstrong>Investieren breit gestreut in Immobilienunternehmen. Im Idealfall sind diese über verschiedene Länder und Regionen gestreut.\u003C\u002Fli>\u003Cli>\u003Cstrong>Indexfonds\u003Cbr>\u003C\u002Fstrong>Investieren genauso wie ETFs breit gestreut in Aktien verschiedener Regionen und bilden regelbasiert einen Aktienindex ab. Allerdings sind Indexfonds nicht über die Börse handelbar.\u003C\u002Fli>\u003Cli>\u003Cstrong>Alternative Anlagen\u003Cbr>\u003C\u002Fstrong>Diese können ein breites Spektrum an Anlagen enthalten. Wie Unternehmensbeteiligungen an Start-ups oder Sammlerstücke.\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":17,"values":1315,"anchor":1255},"\u003Cli>\n\u003Cstrong>Aktien-ETFs\u003C\u002Fstrong>\u003Cbr>Investieren breit gestreut und regelbasiert in Aktien verschiedener Regionen.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Anleihen ETFs\u003C\u002Fstrong>\u003Cbr>Investieren in Staats- oder Unternehmensanleihen und dienen in der Regel als risikoarmer Teil des Portfolios.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Rohstoffe\u003Cbr>\u003C\u002Fstrong>Werden über ETFs oder ETCs abgebildet. Robo-Advisors investieren entweder in einzelne Rohstoffe wie Gold oder in breit gestreute Rohstoffkörbe.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Immobilien-ETFs\u003Cbr>\u003C\u002Fstrong>Investieren breit gestreut in Immobilienunternehmen. Im Idealfall sind diese über verschiedene Länder und Regionen gestreut.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Indexfonds\u003Cbr>\u003C\u002Fstrong>Investieren genauso wie ETFs breit gestreut in Aktien verschiedener Regionen und bilden regelbasiert einen Aktienindex ab. Allerdings sind Indexfonds nicht über die Börse handelbar.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Alternative Anlagen\u003Cbr>\u003C\u002Fstrong>Diese können ein breites Spektrum an Anlagen enthalten. Wie Unternehmensbeteiligungen an Start-ups oder Sammlerstücke.\u003C\u002Fli>",{"innerBlocks":1317,"name":1249,"postId":1250,"originalContent":1318,"get_parent":1319,"attributes":1320,"dynamicContent":18},[],"\u003Ch2>Anlagestrategien von Robo-Advisors\u003C\u002Fh2>",{},{"content":1321,"level":53,"anchor":1255},"Anlagestrategien von Robo-Advisors",{"innerBlocks":1323,"name":1258,"postId":1250,"originalContent":1324,"get_parent":1325,"attributes":1326,"dynamicContent":18},[],"\u003Cp>Die Anlagestrategien der Mehrheit der Robo-Advisors sind ähnlich. In der Regel wird ein passives, weltweit gestreutes Aktien-Portfolio abgebildet. Viele Anbieter gewichten zudem die Regionen individuell oder setzen auf sogenanntes \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fgeldanlage\u002Ffactor-investing-smart-beta\u002F\">Factor Investing\u003C\u002Fa>. \u003C\u002Fp>",{},{"content":1327,"dropCap":17,"anchor":1255},"Die Anlagestrategien der Mehrheit der Robo-Advisors sind ähnlich. In der Regel wird ein passives, weltweit gestreutes Aktien-Portfolio abgebildet. Viele Anbieter gewichten zudem die Regionen individuell oder setzen auf sogenanntes \u003Ca href=\"\u002Fgeldanlage\u002Ffactor-investing-smart-beta\u002F\" class=\"app-link\">Factor Investing\u003C\u002Fa>. ",{"innerBlocks":1329,"name":1258,"postId":1250,"originalContent":1330,"get_parent":1331,"attributes":1332,"dynamicContent":18},[],"\u003Cp>Die Anlagestrategien im Überblick:\u003C\u002Fp>",{},{"content":1333,"dropCap":17,"anchor":1255},"Die Anlagestrategien im Überblick:",{"innerBlocks":1335,"name":1311,"postId":1250,"originalContent":1336,"get_parent":1337,"attributes":1338,"dynamicContent":18},[],"\u003Cul>\u003Cli>\u003Cstrong>Passiv\u003Cbr>\u003C\u002Fstrong>Bei einer passiven Anlagestrategie wird regelbasiert ein bestimmter Markt abgebildet. Eine passive Strategie versucht nicht, den Markt zu schlagen. Es wird gewissermaßen nicht auf bestimmte Entwicklungen oder Ereignisse spekuliert.\u003C\u002Fli>\u003Cli>\u003Cstrong>Aktiv\u003Cbr>\u003C\u002Fstrong>Bei einer aktiven Anlagestrategie wird aktiv entschieden, in welche Titel investiert wird und in welche nicht. Im Gegensatz zur passiven Strategie wird versucht, den Markt zu schlagen. Sehr häufig ist die aktive Strategie der passiven unterlegen.\u003C\u002Fli>\u003Cli>\u003Cstrong>Weltweit gestreut\u003C\u002Fstrong>\u003Cbr>Hier wird versucht, möglichst die gesamte Welt abzubilden, um eine Spekulation auf bestimmte Regionen zu vermeiden.\u003C\u002Fli>\u003Cli>\u003Cstrong>Individuelle regionale Gewichtung\u003C\u002Fstrong>\u003Cbr>Um eine individuelle regionale Gewichtung zu erreichen, wird in mehrere ETFs investiert, die jeweils eine bestimmte Region abbilden. \u003C\u002Fli>\u003Cli>\u003Cstrong>Faktorbasiert\u003C\u002Fstrong>\u003Cbr>Robo-Advisors, die Faktorbasiert investieren, bilden in ihrem Portfolio sogenannte Faktoren ab. Dies sind unter anderem kleine Unternehmen oder Value-Aktien. Von solchen Faktoren wird eine höhere Rendite erwartet.\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":17,"values":1339,"anchor":1255},"\u003Cli>\n\u003Cstrong>Passiv\u003Cbr>\u003C\u002Fstrong>Bei einer passiven Anlagestrategie wird regelbasiert ein bestimmter Markt abgebildet. Eine passive Strategie versucht nicht, den Markt zu schlagen. Es wird gewissermaßen nicht auf bestimmte Entwicklungen oder Ereignisse spekuliert.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Aktiv\u003Cbr>\u003C\u002Fstrong>Bei einer aktiven Anlagestrategie wird aktiv entschieden, in welche Titel investiert wird und in welche nicht. Im Gegensatz zur passiven Strategie wird versucht, den Markt zu schlagen. Sehr häufig ist die aktive Strategie der passiven unterlegen.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Weltweit gestreut\u003C\u002Fstrong>\u003Cbr>Hier wird versucht, möglichst die gesamte Welt abzubilden, um eine Spekulation auf bestimmte Regionen zu vermeiden.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Individuelle regionale Gewichtung\u003C\u002Fstrong>\u003Cbr>Um eine individuelle regionale Gewichtung zu erreichen, wird in mehrere ETFs investiert, die jeweils eine bestimmte Region abbilden. \u003C\u002Fli>\u003Cli>\n\u003Cstrong>Faktorbasiert\u003C\u002Fstrong>\u003Cbr>Robo-Advisors, die Faktorbasiert investieren, bilden in ihrem Portfolio sogenannte Faktoren ab. Dies sind unter anderem kleine Unternehmen oder Value-Aktien. Von solchen Faktoren wird eine höhere Rendite erwartet.\u003C\u002Fli>",{"innerBlocks":1341,"name":1249,"postId":1250,"originalContent":1342,"get_parent":1343,"attributes":1344,"dynamicContent":18},[],"\u003Ch2>Wie sicher sind Robo-Advisors?\u003C\u002Fh2>",{},{"content":1345,"level":53,"anchor":1255},"Wie sicher sind Robo-Advisors?",{"innerBlocks":1347,"name":1258,"postId":1250,"originalContent":1348,"get_parent":1349,"attributes":1350,"dynamicContent":18},[],"\u003Cp>Grundsätzlich gilt für eine Geldanlage über einen Robo-Advisor das gleiche Risiko wie bei einem Direktinvestment in ETFs. Ein Robo-Advisor eröffnet für seine Kunden ein Depot bei einer Partnerbank, bei der die Wertpapiere verwahrt werden. Eine Insolvenz des Robo-Advisors hat daher keinen Einfluss auf die Wertpapiere. Zudem sind diese bei der Depotbank als Sondereigentum vor einer Insolvenz der Bank geschützt. \u003C\u002Fp>",{},{"content":1351,"dropCap":17,"anchor":1255},"Grundsätzlich gilt für eine Geldanlage über einen Robo-Advisor das gleiche Risiko wie bei einem Direktinvestment in ETFs. Ein Robo-Advisor eröffnet für seine Kunden ein Depot bei einer Partnerbank, bei der die Wertpapiere verwahrt werden. Eine Insolvenz des Robo-Advisors hat daher keinen Einfluss auf die Wertpapiere. Zudem sind diese bei der Depotbank als Sondereigentum vor einer Insolvenz der Bank geschützt. ",{"innerBlocks":1353,"name":1249,"postId":1250,"originalContent":1354,"get_parent":1355,"attributes":1356,"dynamicContent":18},[],"\u003Ch2>Vor- und Nachteile von Robo-Advisors\u003C\u002Fh2>",{},{"content":1357,"level":53,"anchor":1255},"Vor- und Nachteile von Robo-Advisors",{"innerBlocks":1359,"name":1258,"postId":1250,"originalContent":1360,"get_parent":1361,"attributes":1362,"dynamicContent":18},[],"\u003Cp>Nicht für jeden sind Robo-Advisors geeignet. Traust du dir etwa zu, auch direkt in ETFs zu investieren, benötigst du nicht unbedingt die Dienste eines Robo-Advisor.\u003C\u002Fp>",{},{"content":1363,"dropCap":17,"anchor":1255},"Nicht für jeden sind Robo-Advisors geeignet. Traust du dir etwa zu, auch direkt in ETFs zu investieren, benötigst du nicht unbedingt die Dienste eines Robo-Advisor.",{"innerBlocks":1365,"name":1366,"postId":1250,"originalContent":1255,"saveContent":1255,"get_parent":1367,"attributes":1368},[],"acf\u002Fpros-cons",{},{"name":1366,"data":1369},{"pros_cons_title":1370,"pros_cons_pros_0_pros_cons_pros_description":1371,"pros_cons_pros_1_pros_cons_pros_description":1372,"pros_cons_pros_2_pros_cons_pros_description":1373,"pros_cons_pros_3_pros_cons_pros_description":1374,"pros_cons_pros":72,"pros_cons_cons_0_pros_cons_cons_description":1375,"pros_cons_cons_1_pros_cons_cons_description":1376,"pros_cons_cons_2_pros_cons_cons_description":1377,"pros_cons_cons":85},"Vor- & Nachteile","Zeitersparnis: Man muss sich um nichts kümmern","Automatisches Rebalancing","Feste Strategie: Während eine Geldanlage in Eigenregie zu Strategiewechseln verleiten kann, bleibt ein Robo-Advisor bei seiner Strategie","Teils größeres Produktportfolio, wie Indexfonds oder Alternative Anlagen.","Keine individuelle Anlageberatung","Teurer als Direktinvestment in ETFs","Mindestanlagesumme teils höher als bei einem Sparplan über einen Broker",{"innerBlocks":1379,"name":1249,"postId":1250,"originalContent":1380,"get_parent":1381,"attributes":1382,"dynamicContent":18},[],"\u003Ch2>Kosten von Robo-Advisors\u003C\u002Fh2>",{},{"content":1383,"level":53,"anchor":1255},"Kosten von Robo-Advisors",{"innerBlocks":1385,"name":1258,"postId":1250,"originalContent":1386,"get_parent":1387,"attributes":1388,"dynamicContent":18},[],"\u003Cp>Die Kosten eines Robo-Advisors setzen sich hauptsächlich aus zwei Komponenten zusammen: Der Servicegebühr des Anbieters und der TER (Gesamtkostenquote) des investierten Portfolios. \u003C\u002Fp>",{},{"content":1389,"dropCap":17,"anchor":1255},"Die Kosten eines Robo-Advisors setzen sich hauptsächlich aus zwei Komponenten zusammen: Der Servicegebühr des Anbieters und der TER (Gesamtkostenquote) des investierten Portfolios. ",{"innerBlocks":1391,"name":1311,"postId":1250,"originalContent":1392,"get_parent":1393,"attributes":1394,"dynamicContent":18},[],"\u003Cul>\u003Cli>\u003Cstrong>Servicegebühr des Robo-Advisors\u003C\u002Fstrong>\u003Cbr>Liegt in der Regel zwischen 0,3% und 1% des verwalteten Vermögens. Dieser Betrag wird in regelmäßigen Abständen vom verwalteten Vermögen abgezogen und mindert somit die Rendite. Mit dieser Gebühr wird die Dienstleistung des Robo-Advisors vergütet und diese entspricht den Mehrkosten gegenüber einer selbst verwalteten Investition in ETFs.\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":17,"values":1395,"anchor":1255},"\u003Cli>\n\u003Cstrong>Servicegebühr des Robo-Advisors\u003C\u002Fstrong>\u003Cbr>Liegt in der Regel zwischen 0,3% und 1% des verwalteten Vermögens. Dieser Betrag wird in regelmäßigen Abständen vom verwalteten Vermögen abgezogen und mindert somit die Rendite. Mit dieser Gebühr wird die Dienstleistung des Robo-Advisors vergütet und diese entspricht den Mehrkosten gegenüber einer selbst verwalteten Investition in ETFs.\u003C\u002Fli>",{"innerBlocks":1397,"name":1311,"postId":1250,"originalContent":1398,"get_parent":1399,"attributes":1400,"dynamicContent":18},[],"\u003Cul>\u003Cli>\u003Cstrong>Kosten für ETF-Portfolio (TER)\u003C\u002Fstrong>\u003Cbr>Wie bei einer direkten Investition in ETFs fallen auch auf der Ebene des ETFs Gebühren an. Diese liegen meist zwischen 0,1 und 0,3% des verwalteten Vermögens. Mit dieser Gebühr wird der Fondsanbieter vergütet. Diese Gebühr wird automatisch von der Kursentwicklung des ETFs abgezogen und mindert entsprechend die Rendite.\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":17,"values":1401,"anchor":1255},"\u003Cli>\n\u003Cstrong>Kosten für ETF-Portfolio (TER)\u003C\u002Fstrong>\u003Cbr>Wie bei einer direkten Investition in ETFs fallen auch auf der Ebene des ETFs Gebühren an. Diese liegen meist zwischen 0,1 und 0,3% des verwalteten Vermögens. Mit dieser Gebühr wird der Fondsanbieter vergütet. Diese Gebühr wird automatisch von der Kursentwicklung des ETFs abgezogen und mindert entsprechend die Rendite.\u003C\u002Fli>",{"innerBlocks":1403,"name":1258,"postId":1250,"originalContent":1404,"get_parent":1405,"attributes":1406,"dynamicContent":18},[],"\u003Cp>Da die Kosten einen Einfluss auf die Rendite haben, solltest du bei der Auswahl eines Robo-Advisors darauf achten.\u003C\u002Fp>",{},{"content":1407,"dropCap":17,"anchor":1255},"Da die Kosten einen Einfluss auf die Rendite haben, solltest du bei der Auswahl eines Robo-Advisors darauf achten.",{"innerBlocks":1409,"name":1249,"postId":1250,"originalContent":1410,"get_parent":1411,"attributes":1412,"dynamicContent":18},[],"\u003Ch2>Darauf solltest du achten\u003C\u002Fh2>",{},{"content":1413,"level":53,"anchor":1255},"Darauf solltest du achten",{"innerBlocks":1415,"name":1258,"postId":1250,"originalContent":1416,"get_parent":1417,"attributes":1418,"dynamicContent":18},[],"\u003Cp>Der wichtigste Faktor, der Einfluss auf die Rendite hat, sind die Kosten. Rechnet man mit einer Rendite von 5% pro Jahr, mindern Kosten von beispielsweise 1,2% (Gesamtkosten inkl. Servicegebühr und TER) die Rendite auf nur noch 3,8%.\u003C\u002Fp>",{},{"content":1419,"dropCap":17,"anchor":1255},"Der wichtigste Faktor, der Einfluss auf die Rendite hat, sind die Kosten. Rechnet man mit einer Rendite von 5% pro Jahr, mindern Kosten von beispielsweise 1,2% (Gesamtkosten inkl. Servicegebühr und TER) die Rendite auf nur noch 3,8%.",{"innerBlocks":1421,"name":1258,"postId":1250,"originalContent":1422,"get_parent":1423,"attributes":1424,"dynamicContent":18},[],"\u003Cp>Neben den Kosten haben aber auch die Anlagestrategie und die Asset Allocation einen wesentlichen Einfluss auf den Erfolg der Investition. Die Asset Allocation ist die Balance zwischen den verschiedenen Anlageklassen. \u003C\u002Fp>",{},{"content":1425,"dropCap":17,"anchor":1255},"Neben den Kosten haben aber auch die Anlagestrategie und die Asset Allocation einen wesentlichen Einfluss auf den Erfolg der Investition. Die Asset Allocation ist die Balance zwischen den verschiedenen Anlageklassen. ",{"innerBlocks":1427,"name":1258,"postId":1250,"originalContent":1428,"get_parent":1429,"attributes":1430,"dynamicContent":18},[],"\u003Cp>Manche Robo-Advisor investieren sehr defensiv, das heißt, sie investieren zu einem großen Teil in Anleihen. Ist deine persönliche Risikoaffinität recht hoch, ist ein solcher Anbieter nicht für dich geeignet.\u003C\u002Fp>",{},{"content":1431,"dropCap":17,"anchor":1255},"Manche Robo-Advisor investieren sehr defensiv, das heißt, sie investieren zu einem großen Teil in Anleihen. Ist deine persönliche Risikoaffinität recht hoch, ist ein solcher Anbieter nicht für dich geeignet.",{"innerBlocks":1433,"name":1258,"postId":1250,"originalContent":1434,"get_parent":1435,"attributes":1436,"dynamicContent":18},[],"\u003Cp>Die wichtigsten Kriterien beim Vergleich von Robo-Advisors:\u003C\u002Fp>",{},{"content":1437,"dropCap":17,"anchor":1255},"Die wichtigsten Kriterien beim Vergleich von Robo-Advisors:",{"innerBlocks":1439,"name":1440,"postId":1250,"originalContent":1255,"saveContent":1255,"get_parent":1441,"attributes":1442},[],"acf\u002Ficon-list",{},{"name":1440,"data":1443},{"icon_list_0_icon_list_description":180,"icon_list_0_icon_list_id":1255,"icon_list_0_icon_list_icon":1444,"icon_list_1_icon_list_description":1445,"icon_list_1_icon_list_id":1255,"icon_list_1_icon_list_icon":1444,"icon_list_2_icon_list_description":1446,"icon_list_2_icon_list_id":1255,"icon_list_2_icon_list_icon":1444,"icon_list_3_icon_list_description":1447,"icon_list_3_icon_list_id":1255,"icon_list_3_icon_list_icon":1444,"icon_list":72},"empty","Anlagestrategie","Asset Allocation","Portfolio sollte weltweit gestreut sein",{"innerBlocks":1449,"name":1258,"postId":1250,"originalContent":1450,"get_parent":1451,"attributes":1452,"dynamicContent":18},[],"\u003Cp>Weiterhin solltest du bei der Anlagestrategie ein gutes Gefühl haben. Hierbei ist es hilfreich, dass der Anbieter bereits vor der Registrierung transparent offenlegt, in welche Wertpapiere investiert wird.\u003C\u002Fp>",{},{"content":1453,"dropCap":17,"anchor":1255},"Weiterhin solltest du bei der Anlagestrategie ein gutes Gefühl haben. Hierbei ist es hilfreich, dass der Anbieter bereits vor der Registrierung transparent offenlegt, in welche Wertpapiere investiert wird.",{"innerBlocks":1455,"name":1249,"postId":1250,"originalContent":1456,"get_parent":1457,"attributes":1458,"dynamicContent":18},[],"\u003Ch2>Schritt für Schritt mit einem Robo-Advisor investieren\u003C\u002Fh2>",{},{"content":1459,"level":53,"anchor":1255},"Schritt für Schritt mit einem Robo-Advisor investieren",{"innerBlocks":1461,"name":1258,"postId":1250,"originalContent":1462,"get_parent":1463,"attributes":1464,"dynamicContent":18},[],"\u003Cp>Von der Registrierung bis zur tatsächlichen Investition ist der Ablauf in der Regel ähnlich:\u003C\u002Fp>",{},{"content":1465,"dropCap":17,"anchor":1255},"Von der Registrierung bis zur tatsächlichen Investition ist der Ablauf in der Regel ähnlich:",{"innerBlocks":1467,"name":1468,"postId":1250,"originalContent":1255,"saveContent":1255,"get_parent":1469,"attributes":1470},[],"acf\u002Flist-number",{},{"name":1468,"data":1471},{"list_number_0_list_number_description":1472,"list_number_0_list_number_headline":1473,"list_number_1_list_number_description":1474,"list_number_1_list_number_headline":1475,"list_number_2_list_number_description":1476,"list_number_2_list_number_headline":1477,"list_number_3_list_number_description":1478,"list_number_3_list_number_headline":1479,"list_number_4_list_number_description":1480,"list_number_4_list_number_headline":1481,"list_number":61},"Durch einen Fragebogen ermittelt der Robo-Advisor deine Ziele und Vorlieben bei der Geldanlage. Hierbei wird deine Erfahrung und deine Risikotoleranz abgefragt.","Interviewprozess","Damit du nicht über deine Verhältnisse investierst, möchten viele Anbieter von dir weitere Angaben über Einkommen, Vermögen, alltägliche Ausgaben und den Schuldenstand erfahren.","Einkommen und verfügbares Vermögen","Nachdem du dich durch die Fragen geklickt hast, erhältst du einen Anlagevorschlag. Bei einigen Anbietern hast du die Wahl, zwischen verschiedenen Risikoallokationen oder Strategien zu wählen.","Anlagevorschlag","Falls nicht bereits geschehen, wirst du nun gebeten, deine Kontaktdaten anzugeben und der Anbieter führt dich durch einen Verifizierungsprozess, um deine Identität zu bestätigen.","Registrierung und Depoteröffnung","Jetzt wird entweder ein Vermögensbetrag per Einmalanlage in das ausgewählte Portfolio investiert oder der Robo-Advisor investiert für dich per Sparplan in regelmäßigen Abständen.","Einmalanlage oder Sparplan",{"innerBlocks":1483,"name":1249,"postId":1250,"originalContent":1484,"get_parent":1485,"attributes":1486,"dynamicContent":18},[],"\u003Ch2>Die besten Robo-Advisors\u003C\u002Fh2>",{},{"content":1487,"level":53,"anchor":1255},"Die besten Robo-Advisors",{"innerBlocks":1489,"name":1490,"postId":1250,"originalContent":1255,"saveContent":1255,"get_parent":1491,"attributes":1492},[],"acf\u002Fcta-box-border",{},{"name":1490,"data":1493},{"title":196,"cta_box_border_description":1255,"cta_box_border_list_0_cta_box_border_list_description":1494,"cta_box_border_list_0_cta_box_border_list_icon":1495,"cta_box_border_list_1_cta_box_border_list_description":1496,"cta_box_border_list_1_cta_box_border_list_icon":1495,"cta_box_border_list_2_cta_box_border_list_description":1497,"cta_box_border_list_2_cta_box_border_list_icon":1495,"cta_box_border_list_3_cta_box_border_list_description":1498,"cta_box_border_list_3_cta_box_border_list_icon":1495,"cta_box_border_list_4_cta_box_border_list_description":87,"cta_box_border_list_4_cta_box_border_list_icon":1495,"cta_box_border_list_5_cta_box_border_list_description":1499,"cta_box_border_list_5_cta_box_border_list_icon":1495,"cta_box_border_list":134,"cta_box_border_image":1500,"cta_box_border_image_description":1255,"cta_box_border_button_link":1501,"cta_box_border_button_label":1502,"cta_box_border_button_id":1255,"cta_box_border_same_tab":1503,"cta_box_border_image_url":17},"Servicegebühr: 0,48%","checked","Kosten für ETF-Portfolio: 0,19%","Keine Mindestanlagesumme","Auswahl aus 4 unterschiedlichen Anlagestrategien","Faktorbasierte Anlagestrategie",3067855,{"title":1255,"url":195,"target":1255},"Zum Anbieter",[1504],"yes",{"innerBlocks":1506,"name":1490,"postId":1250,"originalContent":1255,"saveContent":1255,"get_parent":1507,"attributes":1508},[],{},{"name":1490,"data":1509},{"title":1510,"cta_box_border_description":1255,"cta_box_border_list_0_cta_box_border_list_description":1511,"cta_box_border_list_0_cta_box_border_list_icon":1495,"cta_box_border_list_1_cta_box_border_list_description":1512,"cta_box_border_list_1_cta_box_border_list_icon":1495,"cta_box_border_list_2_cta_box_border_list_description":1513,"cta_box_border_list_2_cta_box_border_list_icon":1495,"cta_box_border_list_3_cta_box_border_list_description":1514,"cta_box_border_list_3_cta_box_border_list_icon":1495,"cta_box_border_list":72,"cta_box_border_image":1515,"cta_box_border_image_description":1255,"cta_box_border_button_link":1516,"cta_box_border_button_label":1502,"cta_box_border_button_id":1255,"cta_box_border_same_tab":1518,"cta_box_border_image_url":17},"Vanguard Invest Anlageservice","Servicegebühr: 0,65%","Kosten für ETF-Portfolio: 0,15%","500€ Mindestanlagesumme","Investiert in nicht börsengehandelte Indexfonds",3063290,{"title":1255,"url":1517,"target":1255},"https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fvanguard-robo-advisor",[1504],{"innerBlocks":1520,"name":1490,"postId":1250,"originalContent":1255,"saveContent":1255,"get_parent":1521,"attributes":1522},[],{},{"name":1490,"data":1523},{"title":462,"cta_box_border_description":1255,"cta_box_border_list_0_cta_box_border_list_description":1524,"cta_box_border_list_0_cta_box_border_list_icon":1495,"cta_box_border_list_1_cta_box_border_list_description":1525,"cta_box_border_list_1_cta_box_border_list_icon":1495,"cta_box_border_list_2_cta_box_border_list_description":1497,"cta_box_border_list_2_cta_box_border_list_icon":1495,"cta_box_border_list_3_cta_box_border_list_description":87,"cta_box_border_list_3_cta_box_border_list_icon":1495,"cta_box_border_list":72,"cta_box_border_image":1526,"cta_box_border_image_description":1255,"cta_box_border_button_link":1527,"cta_box_border_button_label":1502,"cta_box_border_button_id":1255,"cta_box_border_same_tab":1255,"cta_box_border_image_url":17},"Servicegebühr: 0,60%","Kosten für ETF-Portfolio: 0,27%",3063008,{"title":1255,"url":439,"target":1255},[1529,1532],{"title":1530,"link":1531},"Vergleich","\u002Fvergleich",{"title":1533,"link":1255},"Robo-Advisor","cG9zdDozMDUyNzI4",{"__typename":1536,"metaDesc":1255,"opengraphType":1537,"opengraphTitle":1538,"opengraphSiteName":1539,"opengraphImage":18,"metaRobotsNoindex":1540,"metaRobotsNofollow":1541,"opengraphDescription":1542,"opengraphModifiedTime":1543,"opengraphPublishedTime":1255,"twitterTitle":1255,"twitterDescription":1255,"title":1538,"readingTime":61},"PostTypeSEO","article","Robo-Advisor-Vergleich 2024 - Staging Finanzfluss","Staging Finanzfluss","noindex","follow","Was ist ein Robo-Advisor? Ein Robo-Advisor ist ein digitaler Vermögensberater, der automatisiert Geld für dich anlegt. In der Regel investiert ein Robo-Advisor passiv in verschiedene Aktien- und Anleihen-ETFs. Die Aufteilung zwischen risikoarmen Anleihen-ETFs und risikobehafteten Aktien-ETFs lässt sich meist selbst wählen, sodass das Portfolio an die eigene Risikotoleranz angepasst werden kann. Vor der Anmeldung unterstützt […]","2024-12-09T16:38:41+00:00","Robo-Advisor-Vergleich 2024","\u002Fvergleich\u002Frobo-advisor\u002F","main-comparison",1783332081514]