{"id":14259,"date":"2025-07-22T06:22:52","date_gmt":"2025-07-22T04:22:52","guid":{"rendered":"https:\/\/vapa.ch\/?p=14259"},"modified":"2025-12-24T09:32:28","modified_gmt":"2025-12-24T08:32:28","slug":"ter-investmentfonds-kostentransparenz","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/ter-investment-funds-cost-transparency\/","title":{"rendered":"TER ist nur die Spitze des Eisbergs"},"content":{"rendered":"<p class=\"wp-block-paragraph\">TER ist nur die Spitze des Eisbergs \ud83c\udfaf.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Die <strong>Total Expense Ratio (TER)<\/strong> ist h\u00e4ufig die wichtigste Kennzahl f\u00fcr den Vergleich <a href=\"https:\/\/vapa.ch\/de\/swiss-independent-wealth-management-blog\/aktien-anleihen-kryptowahrungen-hedgefonds-commodities-vermogensverwaltung\/uberblick-uber-die-anlagestile\/\">Investmentfonds<\/a>. Es ist Standard, geregelt und weithin ver\u00f6ffentlicht. Aber hier ist die Realit\u00e4t:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ter-does-not-reflect-the-full-cost-of-owning-a-fund\">\ud83d\udc49 Die TER spiegelt nicht die vollen Kosten des Fondsbesitzes wider.<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-s-included\">Was enthalten ist:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 Verwaltung <a href=\"https:\/\/vapa.ch\/de\/tag\/gebuehren\/\">Geb\u00fchren<\/a><\/li>\n\n\n\n<li>\u2705 Verwaltung und <a href=\"https:\/\/vapa.ch\/de\/\">Gewahrsam<\/a><\/li>\n\n\n\n<li>\u2705 Gemeinkosten f\u00fcr den Vertrieb (z. B. Geb\u00fchren f\u00fcr Plattformen\/Trailer)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-s-missing\">Was noch fehlt:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u274c Transaktionskosten (implizit + explizit)<\/li>\n\n\n\n<li>\u274c Erfolgsabh\u00e4ngige Geb\u00fchren<\/li>\n\n\n\n<li>Swing-Pricing-Effekte (Schutz des Nettoinventarwerts bei gro\u00dfen Str\u00f6men)<\/li>\n\n\n\n<li>\u274c Ein- und Ausreisegeb\u00fchren<\/li>\n\n\n\n<li>\u274c Durchsichtskosten bei Dachfonds (FoFs)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Mit anderen Worten: Die TER ist ein Ausgangspunkt, nicht das Ziel. Die tats\u00e4chliche Kostenbelastung ist oft 1,5-2 mal h\u00f6her als die TER, je nach Struktur, <a href=\"https:\/\/vapa.ch\/de\/ertragsausschuttungsquote-vermogensverwaltung\/\">Umsatz<\/a>und Geb\u00fchrenschichten.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-want-the-truth-look-here\">Sie wollen die Wahrheit? Schauen Sie hier:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcc4 PRIIPs KID \u2192 Fokus auf Ertragsreduzierung (RIY)<\/li>\n\n\n\n<li>\ud83d\udcca MiFID II Kostenaufschl\u00fcsselung \u2192 Ex-post-Handel und Nebenkosten<\/li>\n\n\n\n<li>\ud83d\udcc9 Umsatzquote \u2192 ein versteckter Proxy f\u00fcr interne Kostenreibung<\/li>\n\n\n\n<li>\ud83d\udd0d Verlangen Sie eine synthetische TER oder einen effektiven OCF, insbesondere bei FoFs oder strukturierten OGAW<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2705 Schlussbemerkung:<\/strong> Wenn ein Fonds eine f\u00fcr Sie wichtige Benchmark nach Abzug der Geb\u00fchren kontinuierlich \u00fcbertrifft, werden die Kosten zweitrangig.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Letztendlich geht es nicht um den billigsten, sondern um den besten risikobereinigten Wert.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quelle: <a href=\"https:\/\/www.linkedin.com\/posts\/patrick-stauber-marcuard-heritage_fundcosts-ter-investmentfunds-activity-7353295280051576833-ok2E?utm_source=share&amp;utm_medium=member_desktop&amp;rcm=ACoAAAUooHgBeTEXpRpRNA0E7VJJlaW_t2ANZhk\">LinkedIn<\/a><\/p>\n<div class=\"wps-pgfw-pdf-generate-icon__wrapper-frontend pgfw-icon-display pgfw-icon-display--default\" style=\"--pgfw-icon-justify:;\"><a href=\"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/14259?action=genpdf&#038;id=14259\" class=\"pgfw-single-pdf-download-button pgfw-single-pdf-download-button--default pgfw-single-pdf-download-button--image-only pgfw-single-pdf-download-button--icon-only\" title=\"PDF generieren\" style=\"--pgfw-icon-width:25px;--pgfw-icon-height:45px;\" target=\"_blank\" aria-label=\"PDF generieren\"><span class=\"pgfw-single-pdf-download-button__media\" aria-hidden=\"true\"><img src=\"https:\/\/vapa.ch\/wp-content\/uploads\/2024\/11\/pdf-svgrepo-com.svg\" alt=\"\" decoding=\"async\"><\/span><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Die TER ist nur die Spitze des Eisbergs \ud83c\udfaf Die Total Expense Ratio (TER) ist h\u00e4ufig die wichtigste Kennzahl zum Vergleich von Investmentfonds. Sie ist standardisiert, reguliert und wird h\u00e4ufig ver\u00f6ffentlicht. Aber hier ist die Realit\u00e4t: \ud83d\udc49 Die TER spiegelt nicht die vollen Kosten des Fondsbesitzes wider. Was enthalten ist: Was fehlt: Mit anderen Worten: Die TER ist ein Ausgangspunkt, nicht das Ziel. Die tats\u00e4chliche Kostenbelastung ist oft 1,5-2 mal h\u00f6her als die TER, je nach Struktur, Umsatz und Geb\u00fchrenschichten. Sie wollen die Wahrheit? Schauen Sie hier: \u2705 Schlussbemerkung: Wenn ein Fonds eine f\u00fcr Sie wichtige Benchmark nach Abzug der Geb\u00fchren kontinuierlich \u00fcbertrifft, werden die Kosten zweitrangig. Letztendlich geht es nicht um den billigsten, sondern um den besten risikobereinigten Wert. Quelle: LinkedIn<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_122096905244470929_329580246915571":"","twitter_1821932287224696832_1821932287224696832":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[89],"tags":[277,228,141,231,183,99,198,281,42],"class_list":["post-14259","post","type-post","status-publish","format-standard","hentry","category-industry-news","tag-2025-blog-wealth-management","tag-client-first","tag-fees","tag-financial-services","tag-fund-management","tag-independent-wealth-management","tag-investment","tag-regulations","tag-wealth-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>TER Investment Funds Explained | independent wealth management<\/title>\n<meta name=\"description\" content=\"TER Investment Funds cover only part of the real cost. 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