[{"data":1,"prerenderedAt":1346},["ShallowReactive",2],{"comparison-junior-depot":3},{"directusData":4,"page":978,"uri":1344,"type":1345},{"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":44,"table_sort":155,"award_highlight":22,"tags":86,"award_1_label":159,"user_created":160,"award_1_item":166,"items":177},11,"junior-depot","Junior-Depot-Vergleich 2026","Deine Junior-Depot Auswahl","\u003Ch2>Das beste Kinderdepot 07\u002F2026\u003C\u002Fh2>\n\u003Cp>Ein Juniordepot bietet viele Vorteile: frühzeitige Finanzerziehung, Steuervorteile durch Freistellungsauftrag und langfristiger Vermögensaufbau mit Zinseszins. Ein ideales Geschenk für die Zukunft deines Kindes. Für unseren Vergleich haben wir 1.847 Personen befragt, was ihnen beim Juniordepot wichtig ist. Auf diesen Kriterien basiert unser Vergleich. Nutze ihn, um die Konditionen zu vergleichen und möglichst viel für dein Kind anzusparen.\u003C\u002Fp>","2026-07-01T09:09:00.929Z",[12],{"label":13,"value":14,"icon":15},"Befragte Personen","1.847","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-1vRO1Qitw9ry_Q6lH4dyL-gQRoc1y1WXu_9FLyGYX1IFcZGQNsjE21cRf749CoP8NnfwLFuyLL_2pIg7\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>",true,[19,23,26,30,34,38,41],{"title":20,"key":21,"value":22},"Aktien-Sparpläne pro Jahr","nbSavingsShare","0",{"title":24,"key":25,"value":22},"Aktien-Sparrate","savingRateShare",{"title":27,"key":28,"value":29},"Depotvolumen","avVolume","10000",{"title":31,"key":32,"value":33},"ETF-Sparpläne pro Jahr","nbSavings","12",{"title":35,"key":36,"value":37},"ETF-Sparrate","savingRate","50",{"title":39,"key":40,"value":22},"Ordergröße","orderSize",{"title":42,"key":43,"value":22},"Orders pro Jahr","nbOrders",[45,49,53,57,64,69,73,78,83,88,93,97,101,104,110,113,116,120,124,128,132,136,143,147,151],{"key":46,"type":46,"active":17,"label":47,"filterable":48},"provider","Ranking",false,{"key":50,"type":51,"active":17,"label":52,"filterable":48},"label","product","Junior-Depot",{"key":54,"type":55,"active":17,"label":56},"url","cta","Angebot",{"label":58,"key":59,"type":60,"active":17,"sortable":17,"sort_options":61,"description":63},"Depotkosten p.a.","depot_cost","text",[62],"asc","\u003Cp>Das sind die berechneten Kosten pro Jahr anhand der Angaben in der Rechnerbox. Wenn du oben deine individuellen Werte eingibst, siehst du, wie viel dich das Depot tatsächlich kostet.\u003C\u002Fp>",{"key":65,"type":65,"active":17,"description":66,"label":67,"options":68},"rating","\u003Cp>Wenn du wissen möchtest, wie wir getestet haben, dann kannst du dir \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vRO1Qitw9ry_Q6lH4dyL-gQRoc1y1WXu_9FLyGYX1IFcZGQNsjE21cRf749CoP8NnfwLFuyLL_2pIg7\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa> ansehen.\u003C\u002Fp>","Testnote",[],{"key":70,"type":71,"active":48,"label":72},"is_junior_depot","check","Dediziertes Junior Depot Produkt",{"key":74,"type":60,"active":17,"label":75,"options":76,"mobile_rank":77},"depot_fee","Depotgebühr (p.M.)",[],1,{"key":79,"type":60,"active":17,"label":80,"description":81,"mobile_rank":82},"execution_costs_savings_plan","Ausführungskosten ETF-Sparplan","\u003Cp>Bei gebührenfreien ETFs fallen ggf. 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Bei gebührenfreien ETFs fallen ggf. Produktkosten, Spreads, Zuwendungen und Krypto-Gebühren an. \u003C\u002Fp>",{"label":121,"key":122,"type":60,"active":48,"description":123},"Kosten für 250€ Einmalanlage","simulation_250","\u003Cp>Beispielhafte Kostenrechnung für die anfallende Transaktionsgebühr, wenn du einmalig ETFs oder Aktien im Wert von 250€  kaufst oder verkaufst.\u003C\u002Fp>",{"key":125,"type":71,"active":17,"label":126,"description":127},"registration_online","Depoteröffnung komplett online möglich","\u003Cp>Der gesamte Vorgang der Depoteröffnung inklusive der Verifizierung der Geburtsurkunde ist online möglich.\u003C\u002Fp>",{"key":129,"type":60,"active":17,"label":130,"description":131},"further_information","Verifizierung der Geburtsurkunde","\u003Cp>Die Geburtsurkunde des Kindes muss zur Depot­eröffnung verifiziert werden. Bei einigen Anbietern läuft dieser Prozess digital, ansonsten musst du eine Kopie der Urkunde oder das Original per Post zur jeweiligen Bank schicken. \u003C\u002Fp>",{"label":133,"key":134,"type":60,"active":17,"description":135},"Einreichung der NV-Bescheinigung","nv_cert_submission","\u003Cp>Eine NV-Bescheinigung (Nichtveranlagungs-Bescheinigung) bestätigt, dass für dein Kind keine Einkommensteuer anfällt. Sie wird beim Finanzamt beantragt und gilt meist drei Jahre. Mit Vorlage dieser Bescheinigung beim Broker werden keine Steuern auf Erträge einbehalten. Die Einreichung erfolgt je nach Anbieter per Upload oder per Post.\u003C\u002Fp>",{"label":137,"key":138,"type":139,"active":17,"options":140,"description":142},"Ident-Verfahren","ident_method","image",[141],"transparent","\u003Cp>Das Identverfahren bezieht sich auf die Depoteröffnung der Eltern, falls die Erziehungsberechtigten auch ein Depot beim selben Anbieter benötigen. Für die Identifikation der Kinder ist die Einreichung der Geburtsurkunde nötig.\u003C\u002Fp>",{"key":144,"type":139,"active":17,"options":145,"label":146},"online_banking",[141],"Online-Banking",{"key":148,"type":149,"active":48,"label":150},"plv_link","link","Preis- und Leistungsverzeichnis",{"key":152,"type":153,"active":17,"label":154},"advantages_and_disadvantages","features","Besondere Eigenschaften",[156,157],{"label":58,"key":59,"sort":62,"default_sort":48},{"label":67,"key":65,"sort":158,"default_sort":17},"desc","Bestes Junior-Depot",{"first_name":161,"last_name":162,"avatar":163,"image":164},"Maximilian","Thomaser","c866698e-1180-4b48-8992-83c826367791",{"id":163,"filename_download":165},"Max.jpeg",[167],{"item":168},{"id":169,"label":170,"url":171,"alternative_url":171,"provider":172},87,"Scalable Capital Kinderdepot","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fscalable-capital-kinderdepot",{"label":173,"logo":174},"Scalable 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aufzubewahren. Rechtlich betrachtet gehört das Junior-Depot zwar dem Kind, aber es darf erst bei Volljährigkeit darauf zugreifen. Bis dahin verwalten die gesetzlichen Vertreter – also üblicherweise die Eltern – das Depot. Häufig wird das Junior-Depot auch als Kinderdepot bezeichnet.\u003C\u002Fp>",{},{"content":996,"dropCap":48,"anchor":989},"Ein Junior-Depot wird – wie ein klassisches \u003Ca href=\"\u002Faktien\u002Fwas-ist-ein-depot\u002F\" class=\"app-link\">Depot\u003C\u002Fa> – benötigt, um Wertpapiere aufzubewahren. Rechtlich betrachtet gehört das Junior-Depot zwar dem Kind, aber es darf erst bei Volljährigkeit darauf zugreifen. Bis dahin verwalten die gesetzlichen Vertreter – also üblicherweise die Eltern – das Depot. Häufig wird das Junior-Depot auch als Kinderdepot bezeichnet.",{"innerBlocks":998,"name":992,"postId":983,"originalContent":999,"get_parent":1000,"attributes":1001,"dynamicContent":86},[],"\u003Cp>Wenn du für dein Kind langfristig Geld anlegen möchtest, bietet sich ein Junior-Depot an. So kannst du dein Kind in der Zukunft finanziell unterstützen, z.B. beim Führerschein oder der Ausbildung. Erfahre Näheres dazu in unserem \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fgeldanlage\u002Fgeld-anlegen-fur-kinder\u002F\">Ratgeber über Sparen und Geld anlegen für Kinder oder Enkelkinder\u003C\u002Fa>.\u003C\u002Fp>",{},{"content":1002,"dropCap":48,"anchor":989},"Wenn du für dein Kind langfristig Geld anlegen möchtest, bietet sich ein Junior-Depot an. So kannst du dein Kind in der Zukunft finanziell unterstützen, z.B. beim Führerschein oder der Ausbildung. Erfahre Näheres dazu in unserem \u003Ca href=\"\u002Fgeldanlage\u002Fgeld-anlegen-fur-kinder\u002F\" class=\"app-link\">Ratgeber über Sparen und Geld anlegen für Kinder oder Enkelkinder\u003C\u002Fa>.",{"innerBlocks":1004,"name":1005,"postId":983,"originalContent":1006,"get_parent":1007,"attributes":1008,"dynamicContent":86},[],"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=Cnx3_JqJ2-4\n\u003C\u002Fdiv>\u003C\u002Ffigure>",{},{"caption":989,"allowResponsive":17,"responsive":17,"previewable":17,"url":1009,"type":1010,"providerNameSlug":1011,"className":1012},"https:\u002F\u002Fwww.youtube.com\u002Fwatch?v=Cnx3_JqJ2-4","video","youtube","wp-embed-aspect-16-9 wp-has-aspect-ratio",{"innerBlocks":1014,"name":982,"postId":983,"originalContent":1015,"get_parent":1016,"attributes":1017,"dynamicContent":86},[],"\u003Ch2>Die besten Junior-Depots aus unserem Vergleich\u003C\u002Fh2>",{},{"content":1018,"level":87,"anchor":989},"Die besten Junior-Depots aus unserem Vergleich",{"innerBlocks":1020,"name":992,"postId":983,"originalContent":1021,"get_parent":1022,"attributes":1023,"dynamicContent":86},[],"\u003Cp>In unserem Vergleich haben die Anbieter Scalable, Traders Place und Trade Republic am besten abgeschnitten. Sie erheben alle keine Depotgebühr und bieten eine große Auswahl an besparbaren ETFs.\u003C\u002Fp>",{},{"content":1024,"dropCap":48,"anchor":989},"In unserem Vergleich haben die Anbieter Scalable, Traders Place und Trade Republic am besten abgeschnitten. Sie erheben alle keine Depotgebühr und bieten eine große Auswahl an besparbaren ETFs.",{"innerBlocks":1026,"name":982,"postId":983,"originalContent":1027,"get_parent":1028,"attributes":1029,"dynamicContent":86},[],"\u003Ch3>Scalable Kinderdepot\u003C\u002Fh3>",{},{"content":1030,"level":82,"anchor":989},"Scalable Kinderdepot",{"innerBlocks":1032,"name":992,"postId":983,"originalContent":1033,"get_parent":1034,"attributes":1035,"dynamicContent":86},[],"\u003Cp>Das Scalable Capital Kinderdepot bietet ein kostenloses Depot mit einer besonders großen Auswahl an über 2.800 ETFs und 3.000 Aktien, die ohne Ausführungsgebühr bespart werden können. Schon ab einer Mindestsparrate von nur 1€ lässt sich regelmäßig investieren. Zusätzlich gibt es Zinsen auf das Guthaben des Verrechnungskontos. Die Kontoeröffnung gelingt unkompliziert per Upload der Geburtsurkunde – ganz ohne Postversand.\u003C\u002Fp>",{},{"content":1036,"dropCap":48,"anchor":989},"Das Scalable Capital Kinderdepot bietet ein kostenloses Depot mit einer besonders großen Auswahl an über 2.800 ETFs und 3.000 Aktien, die ohne Ausführungsgebühr bespart werden können. Schon ab einer Mindestsparrate von nur 1€ lässt sich regelmäßig investieren. Zusätzlich gibt es Zinsen auf das Guthaben des Verrechnungskontos. Die Kontoeröffnung gelingt unkompliziert per Upload der Geburtsurkunde – ganz ohne Postversand.",{"innerBlocks":1038,"name":992,"postId":983,"originalContent":1039,"get_parent":1040,"attributes":1041,"dynamicContent":86},[],"\u003Cp>\u003C\u002Fp>",{},{"content":989,"dropCap":48,"anchor":989},{"innerBlocks":1043,"name":1044,"postId":983,"originalContent":989,"saveContent":989,"get_parent":1045,"attributes":1046},[],"acf\u002Fcta-box-border",{},{"name":1044,"data":1047},{"title":1030,"cta_box_border_description":989,"cta_box_border_list_0_cta_box_border_list_description":1048,"cta_box_border_list_0_cta_box_border_list_icon":1049,"cta_box_border_list_1_cta_box_border_list_description":1050,"cta_box_border_list_1_cta_box_border_list_icon":1049,"cta_box_border_list_2_cta_box_border_list_description":1051,"cta_box_border_list_2_cta_box_border_list_icon":1049,"cta_box_border_list_3_cta_box_border_list_description":1052,"cta_box_border_list_3_cta_box_border_list_icon":1049,"cta_box_border_list_4_cta_box_border_list_description":1053,"cta_box_border_list_4_cta_box_border_list_icon":1049,"cta_box_border_list_5_cta_box_border_list_description":1054,"cta_box_border_list_5_cta_box_border_list_icon":1049,"cta_box_border_list":575,"cta_box_border_image":1055,"cta_box_border_image_description":989,"cta_box_border_button_link":1056,"cta_box_border_button_label":989,"cta_box_border_button_id":989,"cta_box_border_same_tab":989,"cta_box_border_image_url":1057},"Kostenloses Depot","checked","\u003Cspan style=\"font-weight: 400;\">Über 2.800 ohne Ausführungsgebühr besparbare ETFs und über 3.000 Aktien\u003C\u002Fspan>","\u003Cp style=\"text-align: left;\">\u003Cspan style=\"font-weight: 400;\">1€ Mindestsparrate\u003C\u002Fspan>\u003C\u002Fp>","\u003Cspan style=\"font-weight: 400;\">Tagesgeldkonto inklusive\u003C\u002Fspan>","\u003Cspan style=\"font-weight: 400;\">Scan der Geburtsurkunde reicht aus, kein Postversand nötig\u003C\u002Fspan>","\u003Cspan style=\"font-weight: 400;\">200 ETFs können ohne TER bespart werden (die TER wird quartalsweise erstattet und reinvestiert)\u003C\u002Fspan>",3088356,{"title":989,"url":171,"target":989},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2024\u002F10\u002Fscalable-capital-logo-square.png",{"innerBlocks":1059,"name":982,"postId":983,"originalContent":1060,"get_parent":1061,"attributes":1062,"dynamicContent":86},[],"\u003Ch3>Traders Place Kinderdepot\u003C\u002Fh3>",{},{"content":910,"level":82,"anchor":989},{"innerBlocks":1064,"name":992,"postId":983,"originalContent":1065,"get_parent":1066,"attributes":1067,"dynamicContent":86},[],"\u003Cp>Das Kinderdepot von Traders Place ist komplett kostenfrei und bietet Zugang zu einer breiten Auswahl an Anlagemöglichkeiten: Eltern können aus über 2.000 kostenlos besparbaren ETFs und mehr als 1.300 Aktiensparplänen für ihren Nachwuchs wählen. Schon ab einer Mindestsparrate von nur 1 € lassen sich regelmäßige Sparpläne einrichten. Die Kontoeröffnung erfolgt vollständig digital, ein Scan der Geburtsurkunde genügt. Ein Nachteil im Vergleich zu anderen Anbietern: Auf dem Verrechnungskonto werden keine Zinsen gezahlt.\u003C\u002Fp>",{},{"content":1068,"dropCap":48,"anchor":989},"Das Kinderdepot von Traders Place ist komplett kostenfrei und bietet Zugang zu einer breiten Auswahl an Anlagemöglichkeiten: Eltern können aus über 2.000 kostenlos besparbaren ETFs und mehr als 1.300 Aktiensparplänen für ihren Nachwuchs wählen. Schon ab einer Mindestsparrate von nur 1 € lassen sich regelmäßige Sparpläne einrichten. Die Kontoeröffnung erfolgt vollständig digital, ein Scan der Geburtsurkunde genügt. Ein Nachteil im Vergleich zu anderen Anbietern: Auf dem Verrechnungskonto werden keine Zinsen gezahlt.",{"innerBlocks":1070,"name":992,"postId":983,"originalContent":1039,"get_parent":1071,"attributes":1072,"dynamicContent":86},[],{},{"content":989,"dropCap":48,"anchor":989},{"innerBlocks":1074,"name":1044,"postId":983,"originalContent":989,"saveContent":989,"get_parent":1075,"attributes":1076},[],{},{"name":1044,"data":1077},{"title":910,"cta_box_border_description":989,"cta_box_border_list_0_cta_box_border_list_description":1048,"cta_box_border_list_0_cta_box_border_list_icon":1049,"cta_box_border_list_1_cta_box_border_list_description":1078,"cta_box_border_list_1_cta_box_border_list_icon":1049,"cta_box_border_list_2_cta_box_border_list_description":1051,"cta_box_border_list_2_cta_box_border_list_icon":1049,"cta_box_border_list_3_cta_box_border_list_description":1079,"cta_box_border_list_3_cta_box_border_list_icon":1049,"cta_box_border_list_4_cta_box_border_list_description":1080,"cta_box_border_list_4_cta_box_border_list_icon":1049,"cta_box_border_list":618,"cta_box_border_image":1081,"cta_box_border_image_description":989,"cta_box_border_button_link":1082,"cta_box_border_button_label":989,"cta_box_border_button_id":989,"cta_box_border_same_tab":989,"cta_box_border_image_url":1084},"Über 2.000 kostenlos besparbare ETFs und über 1.300 Aktiensparpläne","Scan der Geburtsurkunde reicht aus, kein Postversand nötig","Keine Zinsen auf dem Verrechnungskonto",3083644,{"title":989,"url":909,"target":1083},"_blank","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2024\u002F05\u002Ftraders-place-logo-square.png",{"innerBlocks":1086,"name":982,"postId":983,"originalContent":1087,"get_parent":1088,"attributes":1089,"dynamicContent":86},[],"\u003Ch3>Trade Republic Kinderdepot\u003C\u002Fh3>",{},{"content":734,"level":82,"anchor":989},{"innerBlocks":1091,"name":992,"postId":983,"originalContent":1092,"get_parent":1093,"attributes":1094,"dynamicContent":86},[],"\u003Cp>Das kostenlose Kinderdepot von Trade Republic bietet über 2.700 kostenfrei besparbare ETFs und mehr als 3.400 Aktien-Sparpläne. Die niedrige Mindestsparrate von nur 1€ macht regelmäßiges Sparen auch mit kleinen Beträgen möglich, während das integrierte Tagesgeldkonto zusätzliche Flexibilität bietet. Ein weiterer Punkt ist die unkomplizierte Kontoeröffnung: Ein einfacher Scan der Geburtsurkunde genügt – ein zeitaufwendiger Postversand entfällt. Damit bietet Trade Republic ein einfaches, kostengünstiges und umfassendes Angebot für ein Kinderdepot.\u003C\u002Fp>",{},{"content":1095,"dropCap":48,"anchor":989},"Das kostenlose Kinderdepot von Trade Republic bietet über 2.700 kostenfrei besparbare ETFs und mehr als 3.400 Aktien-Sparpläne. Die niedrige Mindestsparrate von nur 1€ macht regelmäßiges Sparen auch mit kleinen Beträgen möglich, während das integrierte Tagesgeldkonto zusätzliche Flexibilität bietet. Ein weiterer Punkt ist die unkomplizierte Kontoeröffnung: Ein einfacher Scan der Geburtsurkunde genügt – ein zeitaufwendiger Postversand entfällt. Damit bietet Trade Republic ein einfaches, kostengünstiges und umfassendes Angebot für ein Kinderdepot.",{"innerBlocks":1097,"name":1044,"postId":983,"originalContent":989,"saveContent":989,"get_parent":1098,"attributes":1099},[],{},{"name":1044,"data":1100},{"title":734,"cta_box_border_description":989,"cta_box_border_list_0_cta_box_border_list_description":1101,"cta_box_border_list_0_cta_box_border_list_icon":1049,"cta_box_border_list_1_cta_box_border_list_description":1102,"cta_box_border_list_1_cta_box_border_list_icon":1049,"cta_box_border_list_2_cta_box_border_list_description":1103,"cta_box_border_list_2_cta_box_border_list_icon":1049,"cta_box_border_list_3_cta_box_border_list_description":1104,"cta_box_border_list_3_cta_box_border_list_icon":1049,"cta_box_border_list_4_cta_box_border_list_description":1079,"cta_box_border_list_4_cta_box_border_list_icon":1049,"cta_box_border_list_5_cta_box_border_list_description":1105,"cta_box_border_list_5_cta_box_border_list_icon":1049,"cta_box_border_list":575,"cta_box_border_image":1106,"cta_box_border_image_description":989,"cta_box_border_button_link":1107,"cta_box_border_button_label":989,"cta_box_border_button_id":989,"cta_box_border_same_tab":989,"cta_box_border_image_url":1108},"\u003Cspan style=\"font-weight: 400;\">Kostenloses Depot\u003C\u002Fspan>","Über 2.700 kostenlos besparbare ETFs und über 3.400 Aktiensparpläne\u003C\u002Fspan>","\u003Cspan style=\"font-weight: 400;\"> 1€ Mindestsparrate\u003C\u002Fspan>","Inklusive Tagesgeldkonto","3 Vanguard-ETFs können ohne TER bespart werden (die TER wird monatlich erstattet und reinvestiert)",3075312,{"title":989,"url":733,"target":989},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2023\u002F01\u002Ftrade-republic-logo-square.png",{"innerBlocks":1110,"name":982,"postId":983,"originalContent":1111,"get_parent":1112,"attributes":1113,"dynamicContent":86},[],"\u003Ch2>Was sollte man bei einem Junior-Depot beachten?\u003C\u002Fh2>",{},{"content":1114,"level":87,"anchor":989},"Was sollte man bei einem Junior-Depot beachten?",{"innerBlocks":1116,"name":992,"postId":983,"originalContent":1117,"get_parent":1118,"attributes":1119,"dynamicContent":86},[],"\u003Cp>Beim Junior-Depot gilt es, ein paar Aspekte zu beachten. Dies betrifft u.a. die Krankenversicherung und das BAföG.\u003C\u002Fp>",{},{"content":1120,"dropCap":48,"anchor":989},"Beim Junior-Depot gilt es, ein paar Aspekte zu beachten. Dies betrifft u.a. die Krankenversicherung und das BAföG.",{"innerBlocks":1122,"name":982,"postId":983,"originalContent":1123,"get_parent":1124,"attributes":1125,"dynamicContent":86},[],"\u003Ch3>Geldanlage\u003C\u002Fh3>",{},{"content":1126,"level":82,"anchor":989},"Geldanlage",{"innerBlocks":1128,"name":992,"postId":983,"originalContent":1129,"get_parent":1130,"attributes":1131,"dynamicContent":86},[],"\u003Cp>Für die langfristige Geldanlage ist es sinnvoll, in breit gestreute Aktien-ETFs zu investieren. Auf diese Weise kann das Kind vom Wirtschaftswachstum der Weltwirtschaft profitieren. Da der Aktienmarkt kurz- und mittelfristig schwankt, solltest du mindestens 10 Jahre – besser noch 15 Jahre – investieren.\u003C\u002Fp>",{},{"content":1132,"dropCap":48,"anchor":989},"Für die langfristige Geldanlage ist es sinnvoll, in breit gestreute Aktien-ETFs zu investieren. Auf diese Weise kann das Kind vom Wirtschaftswachstum der Weltwirtschaft profitieren. Da der Aktienmarkt kurz- und mittelfristig schwankt, solltest du mindestens 10 Jahre – besser noch 15 Jahre – investieren.",{"innerBlocks":1134,"name":992,"postId":983,"originalContent":1135,"get_parent":1136,"attributes":1137,"dynamicContent":86},[],"\u003Cp>Da das Geld für das Kind angelegt wird, bist du gesetzlich dazu verpflichtet, auf hohe Verlustrisiken zu verzichten (\u003Ca href=\"https:\u002F\u002Fwww.gesetze-im-internet.de\u002Fbgb\u002F__1642.html\">§ 1642 BGB\u003C\u002Fa>). Daher sind etwa Kurswetten mithilfe von Optionsscheinen nicht möglich. Dies würden wir dir ohnehin nicht empfehlen.\u003C\u002Fp>",{},{"content":1138,"dropCap":48,"anchor":989},"Da das Geld für das Kind angelegt wird, bist du gesetzlich dazu verpflichtet, auf hohe Verlustrisiken zu verzichten (\u003Ca href=\"https:\u002F\u002Fwww.gesetze-im-internet.de\u002Fbgb\u002F__1642.html\" class=\"app-link\">§ 1642 BGB\u003C\u002Fa>). Daher sind etwa Kurswetten mithilfe von Optionsscheinen nicht möglich. Dies würden wir dir ohnehin nicht empfehlen.",{"innerBlocks":1140,"name":982,"postId":983,"originalContent":1141,"get_parent":1142,"attributes":1143,"dynamicContent":86},[],"\u003Ch3>Verfügbarkeit\u003C\u002Fh3>",{},{"content":1144,"level":82,"anchor":989},"Verfügbarkeit",{"innerBlocks":1146,"name":992,"postId":983,"originalContent":1147,"get_parent":1148,"attributes":1149,"dynamicContent":86},[],"\u003Cp>Das Depotvermögen gehört dem Kind und steht ihm ab dem 18. Lebensjahr zu. Bis dahin darf das Vermögen nicht ausgegeben werden – weder vom Kind noch von den gesetzlichen Vertretern. Auch Ausgaben für das Kind dürfen davon nicht bestritten werden. Daher sollte nur Geld angelegt werden, dass das Kind nicht vor der Volljährigkeit benötigt.\u003C\u002Fp>",{},{"content":1150,"dropCap":48,"anchor":989},"Das Depotvermögen gehört dem Kind und steht ihm ab dem 18. Lebensjahr zu. Bis dahin darf das Vermögen nicht ausgegeben werden – weder vom Kind noch von den gesetzlichen Vertretern. Auch Ausgaben für das Kind dürfen davon nicht bestritten werden. Daher sollte nur Geld angelegt werden, dass das Kind nicht vor der Volljährigkeit benötigt.",{"innerBlocks":1152,"name":982,"postId":983,"originalContent":1153,"get_parent":1154,"attributes":1155,"dynamicContent":86},[],"\u003Ch3>Steuern\u003C\u002Fh3>",{},{"content":1156,"level":82,"anchor":989},"Steuern",{"innerBlocks":1158,"name":992,"postId":983,"originalContent":1159,"get_parent":1160,"attributes":1161,"dynamicContent":86},[],"\u003Cp>Bei einem Kinderdepot gehört dem Kind das Vermögen. Für das Kind gelten wie für Erwachsene auch steuerliche Freibeträge: zum einen der Sparerpauschbetrag und zum anderen der Grundfreibetrag. Falls der Sparerpauschbetrag in Höhe von 1.000€ nicht ausreicht, kannst du eine Nichtveranlagungsbescheinigung beim Finanzamt beantragen. So gilt zusätzlich der Grundfreibetrag von aktuell 12.348€ für dein Kind.\u003C\u002Fp>",{},{"content":1162,"dropCap":48,"anchor":989},"Bei einem Kinderdepot gehört dem Kind das Vermögen. Für das Kind gelten wie für Erwachsene auch steuerliche Freibeträge: zum einen der Sparerpauschbetrag und zum anderen der Grundfreibetrag. Falls der Sparerpauschbetrag in Höhe von 1.000€ nicht ausreicht, kannst du eine Nichtveranlagungsbescheinigung beim Finanzamt beantragen. So gilt zusätzlich der Grundfreibetrag von aktuell 12.348€ für dein Kind.",{"innerBlocks":1164,"name":982,"postId":983,"originalContent":1165,"get_parent":1166,"attributes":1167,"dynamicContent":86},[],"\u003Ch3>Krankenversicherung\u003C\u002Fh3>",{},{"content":1168,"level":82,"anchor":989},"Krankenversicherung",{"innerBlocks":1170,"name":992,"postId":983,"originalContent":1171,"get_parent":1172,"attributes":1173,"dynamicContent":86},[],"\u003Cp>Falls dein Kind privat krankenversichert ist, hat das Junior-Depot keine Auswirkungen. Bei der gesetzlichen Krankenversicherungen kommt es auf die Kapitalerträge an. Wenn das Kind weniger als 485€ pro Monat oder 5.820€ pro Jahr verdient, kann es beitragsfrei in der Familienversicherung bleiben. Der Sparerpauschbetrag von 1.000€ wird bei der Berechnung des Einkommens abgezogen. Das heißt, das Kind kann Kapitalerträge von bis zu 6.820€ erzielen, ohne dass dies Einfluss auf die Krankenversicherung hat.\u003C\u002Fp>",{},{"content":1174,"dropCap":48,"anchor":989},"Falls dein Kind privat krankenversichert ist, hat das Junior-Depot keine Auswirkungen. Bei der gesetzlichen Krankenversicherungen kommt es auf die Kapitalerträge an. Wenn das Kind weniger als 485€ pro Monat oder 5.820€ pro Jahr verdient, kann es beitragsfrei in der Familienversicherung bleiben. Der Sparerpauschbetrag von 1.000€ wird bei der Berechnung des Einkommens abgezogen. Das heißt, das Kind kann Kapitalerträge von bis zu 6.820€ erzielen, ohne dass dies Einfluss auf die Krankenversicherung hat.",{"innerBlocks":1176,"name":982,"postId":983,"originalContent":1177,"get_parent":1178,"attributes":1179,"dynamicContent":86},[],"\u003Ch3>BAföG\u003C\u002Fh3>",{},{"content":1180,"level":82,"anchor":989},"BAföG",{"innerBlocks":1182,"name":992,"postId":983,"originalContent":1183,"get_parent":1184,"attributes":1185,"dynamicContent":86},[],"\u003Cp>Aktuell wird beim BAföG das Vermögen des Kindes betrachtet. Die Grenze liegt im Jahr 2023 bei 15.000€ und für Auszubildende ab 30 Jahren bleiben 45.000€ unberücksichtigt. Bedenke dabei, dass man schlecht abschätzen kann, wie die Ausbildungsförderung in Zukunft aussieht.\u003C\u002Fp>",{},{"content":1186,"dropCap":48,"anchor":989},"Aktuell wird beim BAföG das Vermögen des Kindes betrachtet. Die Grenze liegt im Jahr 2023 bei 15.000€ und für Auszubildende ab 30 Jahren bleiben 45.000€ unberücksichtigt. Bedenke dabei, dass man schlecht abschätzen kann, wie die Ausbildungsförderung in Zukunft aussieht.",{"innerBlocks":1188,"name":982,"postId":983,"originalContent":1189,"get_parent":1190,"attributes":1191,"dynamicContent":86},[],"\u003Ch3>Kindergeld\u003C\u002Fh3>",{},{"content":1192,"level":82,"anchor":989},"Kindergeld",{"innerBlocks":1194,"name":992,"postId":983,"originalContent":1195,"get_parent":1196,"attributes":1197,"dynamicContent":86},[],"\u003Cp>Das Kindergeld hängt weder vom Einkommen noch vom Vermögen des Kindes ab. Daher hat das Junior-Depot hier keinen Einfluss.\u003C\u002Fp>",{},{"content":1198,"dropCap":48,"anchor":989},"Das Kindergeld hängt weder vom Einkommen noch vom Vermögen des Kindes ab. Daher hat das Junior-Depot hier keinen Einfluss.",{"innerBlocks":1200,"name":1201,"postId":983,"originalContent":989,"saveContent":989,"get_parent":1202,"attributes":1203},[],"acf\u002Fbox-info-icon",{},{"name":1201,"data":1204},{"box_info_icon_description":1205,"box_info_icon_headline":1206,"box_info_icon_icon":1207},"Wer das Depot nicht auf den Namen des Kindes eröffnen möchte, kann ein Zweitdepot auf seinen eigenen Namen wählen. In diesem Fall gehört das Depotvermögen nicht dem Kind. Eine Schenkung an das Kind ist jederzeit möglich und ist fast immer steuerfrei. Denn Kinder dürfen von jedem Elternteil bis zu 400.000€ Vermögen innerhalb von 10 Jahren steuerfrei erhalten.","Junior- vs. Zweitdepot","idea",{"innerBlocks":1209,"name":982,"postId":983,"originalContent":1210,"get_parent":1211,"attributes":1212,"dynamicContent":86},[],"\u003Ch2>Vor- und Nachteile eines Junior-Depots?\u003C\u002Fh2>",{},{"content":1213,"level":87,"anchor":989},"Vor- und Nachteile eines Junior-Depots?",{"innerBlocks":1215,"name":992,"postId":983,"originalContent":1216,"get_parent":1217,"attributes":1218,"dynamicContent":86},[],"\u003Cp>Überlege mithilfe der Vor- und Nachteile, ob ein Junior-Depot für dich infrage kommt.\u003C\u002Fp>",{},{"content":1219,"dropCap":48,"anchor":989},"Überlege mithilfe der Vor- und Nachteile, ob ein Junior-Depot für dich infrage kommt.",{"innerBlocks":1221,"name":1222,"postId":983,"originalContent":989,"saveContent":989,"get_parent":1223,"attributes":1224},[],"acf\u002Fpros-cons",{},{"name":1222,"data":1225},{"pros_cons_title":1226,"pros_cons_pros_0_pros_cons_pros_description":1227,"pros_cons_pros_1_pros_cons_pros_description":1228,"pros_cons_pros_2_pros_cons_pros_description":1229,"pros_cons_pros_3_pros_cons_pros_description":1230,"pros_cons_pros":92,"pros_cons_cons_0_pros_cons_cons_description":1231,"pros_cons_cons_1_pros_cons_cons_description":1232,"pros_cons_cons":87},"Vor- & Nachteile","Steuerliche Anreize: Grundfreibetrag und Sparerpauschbetrag","Aktien-ETFs bieten hohe Renditechancen","Kinder werden frühzeitig an den Finanzmarkt herangeführt","Depotführung meist kostenlos und geringe Kosten für ETF-Sparpläne","Verfügbarkeit stark eingeschränkt","Ggf. Auswirkung auf Krankenversicherungsbeitrag und BAföG-Förderung",{"innerBlocks":1234,"name":992,"postId":983,"originalContent":1235,"get_parent":1236,"attributes":1237,"dynamicContent":86},[],"\u003Cp>Für die langfristige Geldanlage sind Aktien-ETFs hervorragend geeignet. Sie sind kostengünstig und breit diversifiziert. Auf diese Weise kann man am Fortschritt der Weltwirtschaft teilhaben. Das Junior-Depot ist zudem – wie ein klassisches Depot – meist recht günstig.\u003C\u002Fp>",{},{"content":1238,"dropCap":48,"anchor":989},"Für die langfristige Geldanlage sind Aktien-ETFs hervorragend geeignet. Sie sind kostengünstig und breit diversifiziert. Auf diese Weise kann man am Fortschritt der Weltwirtschaft teilhaben. Das Junior-Depot ist zudem – wie ein klassisches Depot – meist recht günstig.",{"innerBlocks":1240,"name":992,"postId":983,"originalContent":1241,"get_parent":1242,"attributes":1243,"dynamicContent":86},[],"\u003Cp>Ein weiterer Vorteil: Das Kind kann den Finanzmarkt durch das Junior-Depot schon früh kennenlernen. Ferner gibt es starke steuerliche Anreize. Denn beim Junior-Depot kann der Grundfreibetrag und der Sparerpauschbetrag des Kindes genutzt werden. Diese steuerlichen Anreize würde es bei einem Zweitdepot nicht geben.\u003C\u002Fp>",{},{"content":1244,"dropCap":48,"anchor":989},"Ein weiterer Vorteil: Das Kind kann den Finanzmarkt durch das Junior-Depot schon früh kennenlernen. Ferner gibt es starke steuerliche Anreize. Denn beim Junior-Depot kann der Grundfreibetrag und der Sparerpauschbetrag des Kindes genutzt werden. Diese steuerlichen Anreize würde es bei einem Zweitdepot nicht geben.",{"innerBlocks":1246,"name":992,"postId":983,"originalContent":1247,"get_parent":1248,"attributes":1249,"dynamicContent":86},[],"\u003Cp>Nachteilig kann die stark eingeschränkte Verfügbarkeit des Vermögens sein. Bei einem Zweitdepot hingegen hätte man jederzeit Zugriff und kann zukünftig entscheiden, wie viel man dem Kind schenken möchte. Bedenke dabei indes, dass es auch beim Zweitdepot nicht sinnvoll ist, nur kurz- oder mittelfristig zu investieren. Solange nur das Geld angelegt wird, das für die Zukunft des Kindes ist, besteht hier kaum ein Unterschied zum Zweitdepot.\u003C\u002Fp>",{},{"content":1250,"dropCap":48,"anchor":989},"Nachteilig kann die stark eingeschränkte Verfügbarkeit des Vermögens sein. Bei einem Zweitdepot hingegen hätte man jederzeit Zugriff und kann zukünftig entscheiden, wie viel man dem Kind schenken möchte. Bedenke dabei indes, dass es auch beim Zweitdepot nicht sinnvoll ist, nur kurz- oder mittelfristig zu investieren. Solange nur das Geld angelegt wird, das für die Zukunft des Kindes ist, besteht hier kaum ein Unterschied zum Zweitdepot.",{"innerBlocks":1252,"name":992,"postId":983,"originalContent":1253,"get_parent":1254,"attributes":1255,"dynamicContent":86},[],"\u003Cp>Bei hohen Kapitalerträgen können zusätzliche Krankenkassenbeiträge entstehen. Das Kind dürfte jährlich bis zu 6.820€ erzielen, sofern es kein sonstiges Einkommen hat. Erst darüber kann es nicht mehr beitragsfrei in der gesetzlichen Familienversicherung bleiben. Falls das Kind privat krankenversichert ist, spielen die Kapitalerträge keine Rolle.\u003C\u002Fp>",{},{"content":1256,"dropCap":48,"anchor":989},"Bei hohen Kapitalerträgen können zusätzliche Krankenkassenbeiträge entstehen. Das Kind dürfte jährlich bis zu 6.820€ erzielen, sofern es kein sonstiges Einkommen hat. Erst darüber kann es nicht mehr beitragsfrei in der gesetzlichen Familienversicherung bleiben. Falls das Kind privat krankenversichert ist, spielen die Kapitalerträge keine Rolle.",{"innerBlocks":1258,"name":992,"postId":983,"originalContent":1259,"get_parent":1260,"attributes":1261,"dynamicContent":86},[],"\u003Cp>Zu beachten ist auch, dass das Junior-Depot Einfluss auf die BAföG-Förderung haben kann. Im Jahr 2023 werden 15.000€ Vermögen des Kindes bei der Förderung nicht angerechnet. Wie die Regelungen in Zukunft aussehen, lässt sich allerdings schlecht prognostizieren. \u003C\u002Fp>",{},{"content":1262,"dropCap":48,"anchor":989},"Zu beachten ist auch, dass das Junior-Depot Einfluss auf die BAföG-Förderung haben kann. Im Jahr 2023 werden 15.000€ Vermögen des Kindes bei der Förderung nicht angerechnet. Wie die Regelungen in Zukunft aussehen, lässt sich allerdings schlecht prognostizieren. ",{"innerBlocks":1264,"name":982,"postId":983,"originalContent":1265,"get_parent":1266,"attributes":1267,"dynamicContent":86},[],"\u003Ch2>Wie eröffnet man ein Junior-Depot?\u003C\u002Fh2>",{},{"content":1268,"level":87,"anchor":989},"Wie eröffnet man ein Junior-Depot?",{"innerBlocks":1270,"name":992,"postId":983,"originalContent":1271,"get_parent":1272,"attributes":1273,"dynamicContent":86},[],"\u003Cp>Die Eröffnung eines Junior-Depot ist deutlich komplizierter als die eines eigenen Depots. Als gesetzlicher Vertreter kann man ein Junior-Depot für sein Kind eröffnen. Wichtig dabei: Den Antrag müssen alle gesetzlichen Vertreter unterschreiben. Zudem sind folgende Unterlagen nötig:\u003C\u002Fp>",{},{"content":1274,"dropCap":48,"anchor":989},"Die Eröffnung eines Junior-Depot ist deutlich komplizierter als die eines eigenen Depots. Als gesetzlicher Vertreter kann man ein Junior-Depot für sein Kind eröffnen. Wichtig dabei: Den Antrag müssen alle gesetzlichen Vertreter unterschreiben. Zudem sind folgende Unterlagen nötig:",{"innerBlocks":1276,"name":1277,"postId":983,"originalContent":1278,"get_parent":1279,"attributes":1280,"dynamicContent":86},[],"core\u002Flist","\u003Cul>\u003Cli>Kopie der Geburtsurkunde des Kindes (ggf. Personalausweis ab 16 Jahren)\u003C\u002Fli>\u003Cli>Steueridentifikationsnummer des Kindes\u003C\u002Fli>\u003Cli>ggf. Nichtveranlagungsbescheinigung vom Finanzamt\u003C\u002Fli>\u003Cli>Kopie des Personalausweises oder des Reisepasses aller gesetzlichen Vertreter\u003C\u002Fli>\u003Cli>Kopie des Sorgerechtsbeschlusses oder der Heiratsurkunde\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":48,"values":1281,"anchor":989},"\u003Cli>Kopie der Geburtsurkunde des Kindes (ggf. Personalausweis ab 16 Jahren)\u003C\u002Fli>\u003Cli>Steueridentifikationsnummer des Kindes\u003C\u002Fli>\u003Cli>ggf. Nichtveranlagungsbescheinigung vom Finanzamt\u003C\u002Fli>\u003Cli>Kopie des Personalausweises oder des Reisepasses aller gesetzlichen Vertreter\u003C\u002Fli>\u003Cli>Kopie des Sorgerechtsbeschlusses oder der Heiratsurkunde\u003C\u002Fli>",{"innerBlocks":1283,"name":992,"postId":983,"originalContent":1284,"get_parent":1285,"attributes":1286,"dynamicContent":86},[],"\u003Cp>Zur Identifizierung der Personen ist die Geburtsurkunde des Kindes und ein Ausweisdokument aller gesetzlichen Vertreter nötig. Aus steuerlichen Gründen ist zusätzlich die Steueridentifikationsnummer des Kindes nötig. Sofern eine Nichtveranlagung gewünscht ist, ist eine Nichtveranlagungsbescheinigung vom Finanzamt erforderlich. Zudem wird die Heiratsurkunde bei Verheirateten oder der Sorgerechtsbeschluss bei unverheirateten Paaren oder Alleinerziehenden benötigt.\u003C\u002Fp>",{},{"content":1287,"dropCap":48,"anchor":989},"Zur Identifizierung der Personen ist die Geburtsurkunde des Kindes und ein Ausweisdokument aller gesetzlichen Vertreter nötig. Aus steuerlichen Gründen ist zusätzlich die Steueridentifikationsnummer des Kindes nötig. Sofern eine Nichtveranlagung gewünscht ist, ist eine Nichtveranlagungsbescheinigung vom Finanzamt erforderlich. Zudem wird die Heiratsurkunde bei Verheirateten oder der Sorgerechtsbeschluss bei unverheirateten Paaren oder Alleinerziehenden benötigt.",{"innerBlocks":1289,"name":992,"postId":983,"originalContent":1290,"get_parent":1291,"attributes":1292,"dynamicContent":86},[],"\u003Cp>Im Gegensatz zum klassischen Depot ist der Antragsprozess beim Junior-Depot nicht immer vollständig online möglich. So ist etwa bei der Commerzbank ein Filialbesuch nötig und der Antrag bei Flatex wird per E-Mail gestellt.\u003C\u002Fp>",{},{"content":1293,"dropCap":48,"anchor":989},"Im Gegensatz zum klassischen Depot ist der Antragsprozess beim Junior-Depot nicht immer vollständig online möglich. So ist etwa bei der Commerzbank ein Filialbesuch nötig und der Antrag bei Flatex wird per E-Mail gestellt.",{"innerBlocks":1295,"name":982,"postId":983,"originalContent":1296,"get_parent":1297,"attributes":1298,"dynamicContent":86},[],"\u003Ch2>Was passiert bei Volljährigkeit des Kindes?\u003C\u002Fh2>",{},{"content":1299,"level":87,"anchor":989},"Was passiert bei Volljährigkeit des Kindes?",{"innerBlocks":1301,"name":992,"postId":983,"originalContent":1302,"get_parent":1303,"attributes":1304,"dynamicContent":86},[],"\u003Cp>Bei Volljährigkeit des Kindes endet die Vollmacht der gesetzlichen Vertreter. Ab dem 18. Lebensjahr kann das Kind auf Depot zugreifen. Deswegen sollte das Kind schon zuvor langsam an das Investieren herangeführt werden, damit es volljährig selbst entscheiden kann. Überdies ist es sinnvoll, sich vor dem 18. Geburtstag des Kindes bei der Bank über die weiteren Schritte zu informieren. Denn das Kind muss sich für seinen eigenen Depotzugang selbst legitimieren, um Zugriff auf sein Depot zu haben.\u003C\u002Fp>",{},{"content":1305,"dropCap":48,"anchor":989},"Bei Volljährigkeit des Kindes endet die Vollmacht der gesetzlichen Vertreter. Ab dem 18. Lebensjahr kann das Kind auf Depot zugreifen. Deswegen sollte das Kind schon zuvor langsam an das Investieren herangeführt werden, damit es volljährig selbst entscheiden kann. Überdies ist es sinnvoll, sich vor dem 18. Geburtstag des Kindes bei der Bank über die weiteren Schritte zu informieren. Denn das Kind muss sich für seinen eigenen Depotzugang selbst legitimieren, um Zugriff auf sein Depot zu haben.",{"innerBlocks":1307,"name":982,"postId":983,"originalContent":1308,"get_parent":1309,"attributes":1310,"dynamicContent":86},[],"\u003Ch2>Häufig gestellte Fragen\u003C\u002Fh2>",{},{"content":1311,"level":87,"anchor":989},"Häufig gestellte Fragen",{"innerBlocks":1313,"name":1314,"postId":983,"originalContent":989,"saveContent":989,"get_parent":1315,"attributes":1316},[],"acf\u002Faccordion",{},{"name":1314,"data":1317},{"accordion_0_accordion_headline":988,"accordion_0_accordion_description":1318,"accordion_1_accordion_headline":1319,"accordion_1_accordion_description":1320,"accordion":87},"Ein Junior-Depot ist ein Depot, das die gesetzlichen Vertreter, z.B. die Eltern, für ihr Kind eröffnen. Das Vermögen wird von den gesetzlichen Vertretern verwaltet und steht dem Kind ab dem 18. Lebensjahr frei zur Verfügung.","Was ist das beste Junior-Depot?","\u003Cspan style=\"font-weight: 400;\">Scalable bietet das beste Junior-Depot in unserem Vergleich. Die gebührenfreie Depotführung und die kostenlosen ETF-Sparpläne sind besonders positiv. Zu empfehlen sind ebenso die Kinderdepots von Traders Place und Trade Republic, ebenfalls mit kostenloser Depotführung und günstigen Ordergebühren.\u003C\u002Fspan>",[1322,1325],{"title":1323,"link":1324},"Vergleich","\u002Fvergleich\u002F",{"title":52,"link":989},"cG9zdDozMDY3Njk2",{"__typename":1328,"metaDesc":1329,"opengraphType":1330,"opengraphTitle":1331,"opengraphSiteName":1332,"opengraphImage":1333,"metaRobotsNoindex":1340,"metaRobotsNofollow":1341,"opengraphDescription":1329,"opengraphModifiedTime":1342,"opengraphPublishedTime":989,"twitterTitle":989,"twitterDescription":989,"title":1331,"readingTime":575},"PostTypeSEO","Um für Kinder langfristig Geld anzulegen, bietet sich ein Junior-Depot an. Welches für dein Kind am besten geeignet ist, kannst du in unserem Vergleich herausfinden.","article","Junior-Depot-Vergleich: Das beste Kinderdepot 07\u002F2026","Finanzfluss",{"__typename":1334,"sourceUrl":1335,"mediaDetails":1336},"MediaItem","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2023\u002F06\u002Fjuniordepot.jpg",{"__typename":1337,"width":1338,"height":1339},"MediaDetails",1280,720,"index","follow","2026-07-13T11:13:19+00:00","https:\u002F\u002Fvg04.met.vgwort.de\u002Fna\u002F360ead14939648948062f6eed7f85406","\u002Fvergleich\u002Fjunior-depot\u002F","main-comparison",1784640731590]