{"id":254,"date":"2026-05-27T13:04:20","date_gmt":"2026-05-27T13:04:20","guid":{"rendered":"https:\/\/ihkh1001-altersvorsorgedepot.com\/?p=254"},"modified":"2026-05-28T05:14:22","modified_gmt":"2026-05-28T05:14:22","slug":"etfs-im-altersvorsorgedepot","status":"publish","type":"post","link":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/etfs-im-altersvorsorgedepot\/","title":{"rendered":"ETFs in the Retirement Investment Account: How to choose wisely"},"content":{"rendered":"<p class=\"text-grey-dark leading-relaxed mb-4\">Das Altersvorsorgedepot erm\u00f6glicht erstmals die direkte Investition in ETFs im Rahmen der staatlich gef\u00f6rderten Altersvorsorge.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Standard Account vs. Flex Account<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Beim Standard-Depot verwaltet der Staat ein vorkonfiguriertes Portfolio mit einem MSCI World ETF (60%), Emerging Markets ETF (20%) und Anleihen (20%). Die Kosten sind auf 1% p.a. gedeckelt.<\/p>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Das Flex-Depot gibt dir die Freiheit, eigene ETFs zu w\u00e4hlen \u2014 gegen einen m\u00f6glichen Aufpreis.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Empfohlene ETF-Strategie<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">F\u00fcr die meisten Sparer empfiehlt sich ein breit diversifiziertes Portfolio: &#8211; 70% globale Aktien (z.B. MSCI World oder FTSE All-World) &#8211; 20% Schwellenl\u00e4nder (MSCI Emerging Markets) &#8211; 10% Anleihen oder defensive Assets<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Risikoklassen<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">Das AVD kennt 5 Risikoklassen (1 = defensiv, 5 = offensiv). J\u00fcngere Sparer sollten h\u00f6here Risikoklassen w\u00e4hlen, da sie mehr Zeit haben, Marktschwankungen auszusitzen.<\/p>\n<h2 class=\"font-serif text-navy text-2xl font-bold mt-8 mb-4\">Fazit<\/h2>\n<p class=\"text-grey-dark leading-relaxed mb-4\">ETFs im AVD sind die beste M\u00f6glichkeit, von staatlicher F\u00f6rderung und Marktrenditen gleichzeitig zu profitieren.<\/p>","protected":false},"excerpt":{"rendered":"<p>ETFs are the cornerstone of the new AVD. We explain which ETFs you can choose and how to build a balanced portfolio.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[21],"class_list":["post-254","post","type-post","status-publish","format-standard","hentry","category-investieren","tag-investing"],"_links":{"self":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/posts\/254","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/comments?post=254"}],"version-history":[{"count":3,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/posts\/254\/revisions"}],"predecessor-version":[{"id":352,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/posts\/254\/revisions\/352"}],"wp:attachment":[{"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/media?parent=254"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/categories?post=254"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ihkh1001-altersvorsorgedepot.com\/en\/wp-json\/wp\/v2\/tags?post=254"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}