{"id":16836,"date":"2017-08-02T13:30:57","date_gmt":"2017-08-02T11:30:57","guid":{"rendered":"https:\/\/hub.hslu.ch\/ifz\/?p=16836"},"modified":"2026-02-11T14:52:40","modified_gmt":"2026-02-11T13:52:40","slug":"prof-dr-maurice-pedergnana-wenn-das-spar-zum-sperrkonto-mutiert","status":"publish","type":"post","link":"https:\/\/hub.hslu.ch\/ifz\/2017\/08\/02\/prof-dr-maurice-pedergnana-wenn-das-spar-zum-sperrkonto-mutiert\/","title":{"rendered":"Prof. Dr. Maurice Pedergnana: Wenn das Spar- zum Sperrkonto mutiert"},"content":{"rendered":"\n<p>von <a rel=\"noreferrer noopener\" href=\"https:\/\/www.hslu.ch\/de-ch\/hochschule-luzern\/ueber-uns\/personensuche\/profile\/?pid=242\" target=\"_blank\">Prof. Dr. Maurice Pedergnana<\/a>, Dozent im<a rel=\"noreferrer noopener\" href=\"https:\/\/www.hslu.ch\/de-ch\/wirtschaft\/institute\/ifz\/?sourceurl=\/ifz\" target=\"_blank\">Institut f\u00fcr Finanzdienstleistungen Zug IFZ<\/a><\/p>\n\n\n\n\n\n<p>Der gr\u00f6sste Teil der Spargelder liegt bei Kantonalbanken, erhebliche Mengen auch bei den Raiffeisenbanken und bei der Postfinance. Wenn jemand sein Spargeld in die Realwirtschaft investieren will, ist das aber l\u00e4ngst nicht mehr so einfach wie vor kurzem.<\/p>\n\n\n\n<p>\u00dcberh\u00f6hte Bez\u00fcge auf dem Sparkonto werden inzwischen mit 2 Prozent geb\u00fcsst. So will es die Eidgen\u00f6ssische Finanzmarktaufsicht (Finma). Es lohnt sich, die Spargelder aufs normale Bankkonto, das nur marginal weniger Zinsen abwirft, zu transferieren. Auch soll \u00fcberpr\u00fcft werden, ob das Wertpapierdepot mit einem Sparprodukt als Transaktionskonto hinterlegt ist. Denn eines ist klar: Je schneller und st\u00e4rker die Zinsen steigen, desto h\u00e4rter werden die Kunden angefasst.<\/p>\n\n\n\n<p>Damit nicht der kollektive Abzug von Spargeldern droht, mussten die Finanzinstitute ihre R\u00fcckzugskonditionen versch\u00e4rfen. So wird allerdings das Sparkonto zum Sperrkonto. Nur haben dies die meisten Kundinnen und Kunden noch nicht gemerkt.<\/p>\n\n\n\n<p><a href=\"https:\/\/hub.hslu.ch\/ifz\/wp-content\/blogs.dir\/165\/files\/sites\/6\/2017\/08\/Pedergnana-Maurice_Wenn-das-Spar-zum-Sperrkonto-mutiert_Kolumne_Luzerner-Zeitung_29.07.2017.pdf\">Hier<\/a>&nbsp;finden Sie den ausf\u00fchrlichen Beitrag der Luzerner Zeitung vom 29. Juli 2017.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Die Wirtschaft brummt, und die Aussichten f\u00fcr Anleger bleiben interessant. Mit der europ\u00e4ischen Konjunktur wird auch der Euro fast t\u00e4glich st\u00e4rker. Die Aktien- und Anleihenm\u00e4rkte freut es. Aber noch immer liegen rund 600 Milliarden Franken auf der hohen Kante.<\/p>\n","protected":false},"author":257,"featured_media":14181,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"20836,20798,20780,20754,20724,20572","_relevanssi_noindex_reason":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[406,400,854975],"tags":[],"class_list":["post-16836","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemeines","category-bank-management","category-ifz-in-den-medien"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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