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Die FMH-Finanzberatung ist für Recherche, Datenerhebung, Auswertung und die Produktbewertung verantwortlich.",[],{"type":159,"text":297,"spans":1133,"direction":162},[],{"type":1115,"text":1135,"spans":1136,"direction":162},"Untersuchungsdesign im Überblick",[],{"type":1138,"text":1139,"spans":1140,"direction":162},"list-item","Untersuchungszeitpunkt: 29.12.2025",[],{"type":1138,"text":1142,"spans":1143,"direction":162},"Anzahl untersuchter Anbieter: 94 bundesweite Anbieter (Tagesgeld) und 73 bundesweite Anbieter (Festgeld)",[],{"type":1138,"text":1145,"spans":1146,"direction":162},"Art der Datenerhebung: Reine Marktbeobachtung",[],{"type":1138,"text":1148,"spans":1149,"direction":162},"Untersuchte Produktkategorie: Festgeld (12 und 24 Monate Laufzeit) und Tagesgeld",[],{"type":159,"text":297,"spans":1151,"direction":162},[],{"type":1115,"text":1153,"spans":1154,"direction":162},"So wurde bewertet",[],{"type":1156,"text":1157,"spans":1158,"direction":162},"heading3","Datenerhebung",[],{"type":1138,"text":1160,"spans":1161,"direction":162},"Auswertung der FMH-Datenbank + zusätzliche Internet-Recherche",[],{"type":1138,"text":1163,"spans":1164,"direction":162},"Berücksichtigung ausschließlich nachprüfbarer Konditionen",[],{"type":1156,"text":1166,"spans":1167,"direction":162},"Bewertete Kriterien Tagesgeld",[],{"type":1138,"text":1169,"spans":1170,"direction":162},"Zinssatz p.a.",[],{"type":1138,"text":319,"spans":1172,"direction":162},[],{"type":1138,"text":1174,"spans":1175,"direction":162},"Mindestanlage",[],{"type":1138,"text":730,"spans":1177,"direction":162},[],{"type":1138,"text":1179,"spans":1180,"direction":162},"Moody's Länderranking",[],{"type":1138,"text":1182,"spans":1183,"direction":162},"Voraussetzungen zur Eröffnung des Kontos",[],{"type":1138,"text":1185,"spans":1186,"direction":162},"Angebote unter 0,50 % Zinsen, wurden nicht berücksichtigt",[],{"type":1156,"text":1188,"spans":1189,"direction":162},"Bewertete Kriterien Festgeld",[],{"type":1138,"text":1191,"spans":1192,"direction":162},"Zinssätze je Laufzeit (12 und 24 Monate)",[],{"type":1138,"text":1174,"spans":1194,"direction":162},[],{"type":1138,"text":730,"spans":1196,"direction":162},[],{"type":1138,"text":1179,"spans":1198,"direction":162},[],{"type":1138,"text":1182,"spans":1200,"direction":162},[],{"type":1156,"text":1202,"spans":1203,"direction":162},"Vergleichbarkeit",[],{"type":1138,"text":1205,"spans":1206,"direction":162},"Einheitliche Stichtage",[],{"type":1138,"text":1208,"spans":1209,"direction":162},"Gleiche Annahmen für alle Anbieter",[],{"type":1115,"text":1211,"spans":1212,"direction":162},"Besonderheiten dieser Auszeichnung",[],{"type":1138,"text":1214,"spans":1215,"direction":162},"Fokus auf dauerhaft verfügbare Konditionen",[],{"type":1138,"text":1217,"spans":1218,"direction":162},"Keine Gewichtung subjektiver Serviceeinschätzungen",[],{"type":1138,"text":1220,"spans":1221,"direction":162},"Keine Mystery-Testing",[],{"type":1138,"text":1223,"spans":1224,"direction":162},"Berücksichtigung mehrerer Laufzeiten (Festgeld)",[],{"type":1138,"text":1226,"spans":1227,"direction":162},"Keine Bevorzugung bestimmter Anbietergruppen",[],{"type":159,"text":297,"spans":1229,"direction":162},[],{"type":1115,"text":1231,"spans":1232,"direction":162},"Transparenz und Einordnung",[],{"type":159,"text":1234,"spans":1235,"direction":162},"Die FMH-Finanzberatung vergibt Auszeichnungen ausschließlich auf Basis objektiver Analysen. Anbieter können Ergebnisse nicht durch Marketingmaßnahmen beeinflussen. Schlechte Angebote werden nicht künstlich aufgewertet. Bewertungsgrundlagen und Verfahren sind klar definiert und nachvollziehbar. ",[],{"type":159,"text":1237,"spans":1238,"direction":162},"Sollten Sie an der kompletten Auswertung interessiert sein, stellen wir diese den Instituten gern zur Verfügung.",[],"text_section$54f1d15c-5668-44b8-a41a-4ece50ef3f9d","text_section","Bestes Tagesgeld & Festgeld 2026: FMH & Handelsblatt Analyse","Entdecken Sie die Ergebnisse der unabhängigen Analyse von FMH-Finanzberatung und Handelsblatt. Objektive Bewertung von Anbietern nach Zinsen, Sicherheit und Transparenz.",{}]