Der Schutzumfang kann je nach CFD und Forex Broker und geltender Regulierung variieren. Für Anleger und Kunden ist oft nicht sofort ersichtlich, wo der Broker reguliert ist. Teilweise haben CFD Broker Regulierungen in verschiedenen Ländern. Achte darauf, dass du eine in Europa wählst.
Es kann auch spezielle Zusatzversicherungen beim Broker geben.
Tipp: Lasst euch den Link eures Forex und CFD Brokers zur Einlagensicherung schriftlich geben.
Schlüsselinformationen: CFD Broker Einlagensicherung
- CFD-Handel: Basiert auf Spekulationen zu Preisbewegungen verschiedener Basiswerte wie Aktien, Indizes, Rohstoffe und Kryptowährungen
- Allgemeine Einlagensicherung: Bis zu 100.000 EUR in Deutschland
- Regulierung: Abhängig vom Hauptsitz des Brokers; Europa empfohlen
- Spezialfall Malta & Zypern: Zusätzliche Schutzmechanismen für Kleinanleger, Entschädigungsgrenze oft bei 20.000 EUR
- Wichtig für Kunden: Überprüfung der Broker-Regulierung und Einlagensicherung; segregierte Konten bieten zusätzlichen Schutz
- Risikowarnung: CFDs bergen hohe Risiken, insbesondere durch den Hebeleffekt
Was sind CFDs?
CFDs (Contracts for Difference) sind Finanzderivaten. Die es Händlern ermöglichen, auf die Preisbewegungen von Basiswerten zu spekulieren.
Diese Basiswerte können Aktien, Indizes, Rohstoffe, Kryptowährungen oder andere Finanzinstrumente sein.
Der CFD-Handel zeichnet sich durch den Einsatz von Hebeln aus. Welche die potenziellen Gewinne, aber auch die Verluste erhöhen können. Differenzkontrakte bieten die Möglichkeit, sowohl auf steigende als auch auf fallende Märkte zu setzen. Ohne den Basiswert direkt besitzen zu müssen.
Allgemeine Einlagensicherung in Deutschland
Für Banken in Deutschland sind Gelder durch die Einlagensicherung geschützt. Die Höchstgrenze von 100.000 Euro gilt für dich, wenn du Geld bei einer Bank in Deutschland anlegst.
Wenn du als Einleger Geld bei einer deutschen Bank deponierst und die Bank in finanzielle Schwierigkeiten gerät oder insolvent wird, sichert dir die gesetzliche Einlagensicherung in Deutschland bis zu 100.000 Euro pro Einleger und pro Bank. Das bedeutet, dass, wenn du mehr als 100.000 Euro bei einer deutschen Bank hast, der Betrag über 100.000 Euro im Falle einer Bankenkrise nicht durch die Einlagensicherung geschützt ist.
💡 Wichtig, dabei geht es um Spareinlagen. Nicht um Sammelkonten bei einem CFD Broker.
Kundengelder-Schutz bei CFD-Brokern
Wenn du Geld bei einem CFD-Broker anlegst, ist es bis zu einem bestimmten Betrag sicher. Für diesen Schutz gibt es spezielle Einrichtungen, denen alle Firmen, die mit Geld arbeiten oder Finanzdienste anbieten, beitreten müssen.
Wichtig: Wo sitzt der Broker?
Es ist wichtig zu wissen, in welchem Land der CFD-Broker seinen Hauptsitz hat. Je nach Land gibt es andere Regeln. Wie viel Geld im Ernstfall geschützt ist.
Prüfe bevor du Geld anlegst, wo der Broker seinen Sitz hat. Diese Info findest du meist auf der Webseite des Brokers. Wenn du dir nicht sicher bist, prüfe das Handelsregister.
Wer verwaltet dein Geld?
Manchmal ist es nicht klar, ob der Broker selbst dein Geld verwaltet oder ob er nur Vermittler ist. Ein Broker in Deutschland kann Kunden zu einem Unternehmen in Malta vermitteln. In so einem Fall würde die Einlagensicherung von Malta gelten.
Spezielle Kundenkonten (Segregated Accounts) und ihre Sicherheit
CFD Broker müssen Kundenkonten als Segregated Accounts (separierte Konten) führen. Das bedeutet, dein Geld wird getrennt vom Vermögen des Brokers verwaltet. Diese Trennung bietet zusätzlichen Schutz.
Aufsichtsbehörden für CFD-Broker: Wer ist verantwortlich?
Wohnst du in Deutschland und dein CFD Broker hat eine Niederlassung in Deutschland. Dann gelten die Regelungen des Hauptregulators.
Viele Broker sind in Zypern oder Malta reguliert. Vor dem Brexit war die britische FCA ein wichtiger Regulator. Informiere dich vorab über die Zuständigkeiten.
Deutsche CFD Broker: BaFin und Entschädigung
Ist der Hauptsitz des CFD Broker in Deutschland, hat dies nicht nur steuerliche Änderungen.
Wertpapierhandelsunternehmen: Entschädigung durch EdW
Bei einer Insolvenz des Brokers sind die Kundeneinlagen bis zu einem gewissen Betrag abgesichert. In Deutschland sorgt die Entschädigungseinrichtung der Wertpapierhandelsunternehmen (EdW) für eine Entschädigung von bis zu 90% der Verbindlichkeiten aus Wertpapiergeschäften, bis zu einem Höchstbetrag von 20.000 Euro pro Kunde.
Beispiel CFD Broker in Deutschland: IG Markets
IG Markets formuliert den Schutz für Kunden wie folgt auf der Website:
Für Kunden bei IG Europe sind die IG Europe-Kundeneinlagen im Rahmen des Einlagensicherungsgesetzes bis zu einem Wert von 100.000 € oder einem Gegenwert in Fremdwährungen, je nach dem von der Bank angebotenen Schutz, abgedeckt. Dabei wird das Kundengeld nur von Banken gehalten, die unter die Sicherungsregelung fallen.
CySec in Zypern: ICF, Entschädigung und Einlagensicherung
Die CySec in Zypern sorgt für die Einhaltung der EU-Vorschriften. Deutsche Anleger müssen sich die spezifischen Schutzmechanismen in Zypern informieren.
Der Investor Compensation Fund (ICF): Schutzfonds für Kleinanleger
Zweck des ICF
Der ICF ist ein Fonds, der zur Sicherung von Ansprüchen geschützter Kunden. Gegen seine Mitglieder dient. Entschädigungszahlungen erfolgen, wenn bestimmte Voraussetzungen erfüllt sind. Der Fonds zielt darauf ab Kleinanleger zu schützen. Die keine professionellen oder institutionellen Investoren sind, zu schützen.
Entschädigungsgrenzen
Die Höhe der Entschädigung für jeden geschützten Kunden eines ICF-Mitglieds kann begrenzt sein. In Zypern beträgt diese Grenze beispielsweise 20.000 Euro.
Der höchste Betrag, den du als Entschädigung für einen Anspruch bekommen kannst, ist 20.000 EUR. Dieser Betrag wird entweder als 90% von deinen gesamten Ansprüchen, die versichert sind, berechnet. Oder als 20.000 EUR, je nachdem, welcher Betrag niedriger ist.
Auszug Cysec:
- The maximum amount of compensation per claim is €20,000 and is defined as the lower of 90% of the cumulative covered claims of a covered client and €20.000. The amount of compensation payable to each covered client is calculated in accordance with the legal and contractual terms governing the relationship of the covered client with the ICF member.
Funktion des ICF
Der ICF zahlt Entschädigungen an Kleinanleger. Wenn ein Anlageunternehmen aufgrund seiner finanziellen Lage nicht in der Lage ist, Kundenvermögen auszuzahlen. Sowie keine Aussicht auf Besserung besteht. Der Fonds deckt üblicherweise Ansprüche ab, die aus den von seinen Mitgliedern erbrachten Dienstleistungen entstehen. Zum Beispiel bei Nichterfüllung von Verpflichtungen.
Antragstellung beim Investor Compensation Fund (ICF)
Optionen zur Einreichung eines Antrags
Wenn du einen Antrag beim Investor Compensation Fund (ICF) stellen möchten, hastu du zwei Möglichkeiten zur Verfügung:
- Online-Antragsformular:
- Besuchen die Website der Cyprus Securities and Exchange Commission (CySEC).
- Füllen Sie dort das Online-Antragsformular aus.
- Antrag per Brief:
- Verfasse einen einfachen Brief, der alle nötigen Beweismittel beinhaltet.
- Du kannst diesen Brief auf zwei Arten einreichen:
- Per Post: Schicke deinen Brief an die Adresse: Investor Compensation ICF for IF Clients, 27 Diagorou Str., 1097 Nicosia, Zypern.
- Persönlich abgeben: Bringe deinen Brief direkt zu den Büros des ICF an der gleichen Adresse.
Beispiel zur Berechnung der Entschädigungshöhe
Du bist Kunde eines Anlegerentschädigungsfonds (ICF) und kannst bis zu 20.000 EUR als Entschädigung erhalten. Die Höhe hängt davon ab, ob 90% deiner Ansprüche oder 20.000 EUR niedriger sind.
- Fall A: Deine Ansprüche betragen insgesamt 15.000 EUR.
- Berechnung: 90% von 15.000 EUR = 13.500 EUR.
- Da 13.500 EUR weniger als 20.000 EUR sind, ist deine Entschädigung 13.500 EUR.
- Fall B: Deine Ansprüche betragen 30.000 EUR.
- Berechnung: 90% von 30.000 EUR = 27.000 EUR.
- Da 27.000 EUR mehr als 20.000 EUR sind, ist deine Entschädigung 20.000 EUR.
Die genaue Entschädigung basiert auf den rechtlichen und vertraglichen Bedingungen deiner Beziehung zum ICF-Mitglied.
Wichtige Faktoren:
- Die genaue Entschädigung, die jedem gedeckten Kunden gezahlt wird, hängt von den rechtlichen und vertraglichen Bedingungen ab, die die Beziehung zwischen dem Kunden und dem ICF-Mitglied regeln.
- Es ist wichtig zu beachten, dass diese Regeln sicherstellen, dass die Entschädigung gerecht und gemäß den geltenden Gesetzen berechnet wird.
Die Entschädigung wird basierend auf deinen individuellen Ansprüchen und den spezifischen Vereinbarungen mit dem ICF-Mitglied berechnet, wobei die Obergrenze von 20.000 EUR als Richtlinie dient.
MFSA in Malta: Überwachung und Standards
In Malta überwacht die MFSA die CFD-Broker. Sie wendet die Investor Compensation Scheme an. Dies bietet Schutz für Kunden von insolventen Investmentfirmen.
Besondere Regelungen für maltesische Broker
Die maximale Entschädigung für einen berechtigten Anlegerkunden beträgt entweder 90% seiner Ansprüche oder bis zu 20.000 EUR. Der niedrigere Betrag wird ausgezahlt.
- Diese Regelung deckt keine Verluste ab, die durch Marktbewegungen entstehen.
- Auch Verluste durch schlechte Anlageberatung, missglückte Investitionen, Inflation oder Konkurs eines Investmentfonds sind nicht abgedeckt.
Aufsichtsbehörden für CFD-Broker: Wer ist verantwortlich?
Wohnst du in Deutschland und nutzt einen CFD Broker mit Niederlassung hier, gelten die Regelungen des Hauptregulators. Viele Broker sind in Zypern oder Malta registriert. Vor dem Brexit war die britische FCA ein wichtiger Regulator.
Hauptregulierung vs. Niederlassung
Wichtigkeit des Hauptsitzes
Die Regelungen des Hauptsitzlandes des Brokers gelten selbst bei einer Niederlassung in Deutschland. Dies betrifft insbesondere Broker, die in EU-Ländern wie Zypern oder Malta reguliert sind.
Vorgehensweise bei Insolvenz eines CFD Brokers
Bei der Wahl eines CFD-Brokers ist es wichtig, auf die Regulierungsbehörde und die Sicherheit der Einlagen zu achten. Ein vertrauenswürdiger Broker ist durch eine anerkannte Behörde wie die BaFin, CySec oder MFSA reguliert. Diese Regulierung stellt sicher, dass der Broker bestimmte Sicherheits- und Transparenzstandards einhält.
Entschädigungsregelung für Anleger: EU-Richtlinie 97/9/EG
Die Richtlinie 97/9/EG sieht vor, dass Anleger, einschließlich Kunden von CFD-Brokern, im Falle einer Insolvenz der Investmentfirma bis zu 90% ihrer Ansprüche als Entschädigung erhalten können. Der maximale Betrag ist jedoch auf 20.000 Euro pro Kunde begrenzt. Diese Regelung stärkt das Vertrauen in den Finanzmarkt und bietet Anlegern einen gewissen Schutz bei Ausfällen ihrer Investmentfirmen.
Offene Trades vs. Kundenkonten
Es gibt einen wesentlichen Unterschied in der Sicherheit von Geldern in offenen Trades und auf Kundenkonten. Bei einer Insolvenz könnten Gelder in offenen Trades einem höheren Risiko ausgesetzt sein. Die Gelder auf Kundenkonten sind normalerweise durch Einlagensicherungssysteme geschützt.
Gelder auf Kundenkonten
Gelder auf Kundenkonten sind in der Regel durch die Einlagensicherung bis zu einem bestimmten Betrag geschützt. Dieser Schutz variiert je nach Broker und dessen Regulierungsbehörde.
Folgen einer Broker-Insolvenz für Aktieninvestitionen
Bei einer Insolvenz des Brokers sind deine Aktieninvestitionen in der Regel sicher. Aktien sind dein Eigentum und werden getrennt vom Vermögen des Brokers verwahrt. Sie sind nicht Teil der Insolvenzmasse des Brokers.
Wichtig, hierbei geht es um echte Aktien. Keine Aktien CFDs.
Vergleich von CFD-Brokern: Sicherheit und Regulierungsstandards
Worauf solltest du achten?
Beim Vergleich von CFD-Brokern solltest du auf Sicherheitsstandards und Regulierungen achten. Prüfe, ob der Broker segregierte Kundenkonten führt und welcher Einlagensicherung er unterliegt. Dies gibt dir eine Vorstellung davon, wie sicher dein Geld im Falle einer Insolvenz ist.
Wichtigkeit der Einlagensicherung und Broker-Auswahl
Die Einlagensicherung ist ein kritischer Aspekt für die Sicherheit deines Geldes bei CFD-Brokern. Sie bietet einen finanziellen Schutzschild bei einer möglichen Insolvenz des Brokers.
Höhe der Einlagensicherung
Beachte die Höhe der Einlagensicherung, die je nach Broker und dessen Regulierungsland variiert.
Regulierungsbehörde
Die Regulierungsbehörde gibt Aufschluss über die Glaubwürdigkeit und Zuverlässigkeit eines Brokers. BaFin, CySec und MFSA sind einige der Behörden, die hohe Standards anlegen.
Sicherheit der Kundengelder: Admirals (Admiral Markets)
Schauen wir uns die Einlagensicherung am CFD Broker Admirals an. Admiral Markets ist in Zypern reguliert.
Segregierte Konten (Segregated Accounts)
Kundengelder werden bei einer EU-regulierten Bank getrennt von Firmenmitteln deponiert. CySEC überwacht und bestätigt dies.
Investor Compensation Fund (ICF) – Zypern
Schutz der Kundenansprüche
Bis zu 20.000 EUR Entschädigung für Kundenansprüche, gemäß der Investor Compensation Policy.
Negative Balance Protection: Schutz vor negativen Kontoständen
Schutz für professionelle Kunden
Bis zu 50.000 EUR Ausgleich für negative Kontostände für professionelle Kunden. Dies ist ein extra Schutz von Admirals. Er ist gesetzlich nicht vorgeschrieben.
Unbegrenzter Schutz für normale retail Clients. Ein retail Kunde ist jeder der ein Konto eröffnet. Keinen gesonderten Antrag auf professionellen Status stellt und die Bedingungen erfüllt. Dies ist von der ESMA (Europäische Wertpapier- und Marktaufsichtsbehörde) vorgeschrieben, es gibt keine Nachschusspflicht.
Zusätzlicher Versicherungsschutz in Zypern
Seit 1. März 2021 haben Kunden von Admiral Markets Cyprus Ltd einen verbesserten Kundengelderschutz. Dein Geld ist jetzt bis zu 100.000 EUR abgesichert.
Diese Versicherungsleistungen gelten automatisch für dich, ohne dass du etwas tun musst. Es fallen keine extra Kosten an. Dieses Angebot ist Teil unseres umfassenden Sicherheitskonzepts. Dazu gehören getrennte Kundengelder bei großen internationalen Banken.
Was deckt die Versicherung für dich ab:
Deine Handelspositionen und Geldmittel bei Admiral Markets Cyprus Ltd. Falls das Unternehmen insolvent wird.
Was ist nicht abgedeckt:
Handelsrisiken und Trading-Performance sind nicht versichert. Beachte das hohe Risiko bei Hebelprodukten.
Details der Versicherung:
- Versicherer: ARCH 2012 & XL Catlin 2003 bei Lloyd’s of London.
- Versicherungsnehmer: Admiral Markets Cyprus Ltd
- Begünstigte: Du als Kunde, wenn du die Bedingungen erfüllst.
- Deckungssumme: Bis zu 100.000 EUR pro Kunde.
- Selbstbeteiligung: 20.000 EUR pro Kunde.
Wichtige Hinweise:
- Diese Infos dienen nur zur Aufklärung und geben dir keine Rechte.
- Sie ändern nicht die Bedingungen deiner Police.
- Deine Versicherung unterliegt allen Bedingungen und Ausschlüssen der Police.
- Für einen gültigen Anspruch müssen bestimmte Pflichten erfüllt sein.
- Bei Unklarheiten gelten die Bedingungen der Police.
- Fachbegriffe in diesem Dokument sind in der Police definiert.
- Die Police kannst du beim Versicherungsnehmer anfordern und solltest du dir durchlesen.
Fazit: Einlagensicherung und Broker-Auswahl
Deine Wahl eines CFD-Brokers sollte auf gründlicher Recherche basieren. Berücksichtige die Regulierung, Einlagensicherung und die Praxis des Brokers in Bezug auf Kundenkonten. Dies hilft dir, das Risiko eines Verlusts deiner Einlagen zu minimieren.
Disclaimer – Keine Anlageberatung
Bitte beachte, dass die Informationen in diesem Artikel keine Anlageberatung darstellen. Sie wurden nach bestem Wissen und Gewissen zusammengestellt. Für Anlageentscheidungen solltest du immer einen qualifizierten Finanzberater konsultieren. Gesetzliche Regelungen können sich jederzeit ändern. Informiere dich bei deinem CFD Broker über den Anlegerschutz.
Risikowarnung: Forex und CFD Trading
CFDs sind komplexe Finanzinstrumente und bergen ein hohes Risiko. Es besteht das Risiko schnell Geld zu verlieren. Beim CFD-Handel gehst du aufgrund des Hebels das Risiko eines Totalverlustes ein. Als Anfänger solltest du nur mit einem Testkonto handeln. Suche dir gegeben falls externe Anlageberatung.
Schau dir auch gegebenenfalls die Einschätzung der BaFin (Bundesanstalt für
Finanzdienstleistungsaufsicht) an.
FAQ: Einlagensicherung bei CFD-Brokern
Wann greift die Einlagensicherung nicht?
Die Einlagensicherung greift nicht bei Verlusten durch Marktschwankungen oder schlechte Anlageentscheidungen. Sie schützt nur vor Verlusten bei Insolvenz des Brokers.
Sind CFD seriös?
CFDs sind legitime Finanzinstrumente. Ihre Seriosität hängt von der Regulierung und der Praxis des jeweiligen Brokers ab. Wähle immer einen gut regulierten Broker.
Sind ETFs Einlagen gesichert?
ETFs gelten als Wertpapiere und sind im Insolvenzfall des Brokers normalerweise sicher. Sie sind jedoch nicht durch die Einlagensicherung geschützt.
Was passiert mit ETF wenn Broker Pleite geht?
Bei einer Broker-Insolvenz bleiben deine ETFs in der Regel dein Eigentum. Sie werden getrennt vom Vermögen des Brokers verwahrt und sind nicht Teil der Insolvenzmasse.
Mit über 15 Jahren Erfahrung in der Finanz- und Brokerage-Branche, diente als Head of Sales bei renommierten Forex und CFD Brokern wie XTB und Trive (ehemals GKFX). Seine Passion für das Trading entdeckte er während seines BWL-Studiums in Frankfurt. Auf seiner Website Trading-verstehen.de teilt Markus praxisnahe Tipps und spannende Einblicke aus seiner beruflichen Laufbahn. Durch öffentliche Auftritte bei DAF und N24 sowie Beiträge in führenden Printmedien wie FAZ, Handelsblatt und Manager Magazin, strebt er danach, das komplexe Thema Trading für ein breites Publikum greifbar und verständlich zu gestalten.
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Also in the front compartment was an audio/video system featuring a radio controlled from the steering wheel.
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For example, the desire of the English colonist Robert Hayman talked about two „insurance policies of insurance coverage“ taken out with the diocesan Chancellor of London, Arthur Duck.
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All the superior officers are elected by the inferior officers.
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