Du betrachtest gerade CFD Trading Startkapital: Wieviel Startkapital zum traden

CFD Trading Startkapital: Wieviel Startkapital zum traden

  • Beitrag zuletzt geändert am:12 Dezember 2023
  • Beitrags-Kategorie:CFD
  • Beitrags-Kommentare:223 Kommentare
  • Lesedauer:21 min Lesezeit

Du interessierst dich für Trading? Zusammen verfügen wir über 30 Jahre Erfahrung in leitenden Positionen bei führenden CFD und Forex Brokern. Diese langjährige Expertise ermöglicht es uns, Dir praxisnahe Unterstützung zu bieten.

Bei uns erhältst Du fundierte Kenntnisse, die Dir helfen, Deine Trading-Strategien zu optimieren und auf dem Finanzmarkt sicherer zu agieren.

Achtung: Der Handel mit CFDs ist risikoreich und du kannst dabei deine gesamte Einzahlung verlieren.

Das wichtigste im Überblick

ThemaErklärung
Was sind CFDs?Differenzkontrakte zum Spekulieren auf Kursbewegungen
HandelsplatzOTC (Over the Counter), nicht an der Börse
Broker MindesteinzahlungVariiert, üblich zwischen 100 und 500 EUR
RisikenHohe Hebelwirkung, Totalverlust möglich
Hebel und MarginLeverage-Effekt, erhöht Gewinne und Verluste
Startkapital je nach Trading StrategieScalping: 1.000-2.500 EUR; Daytrading: 2.500-5.000 EUR; Swingtrading: 5.000-10.000 EUR
Empfohlenes Startkapital1.000 EUR
Keyfacts CFD Trading Startkapital

Wie viel Startkapital benötigt man für erfolgreichen CFD Handel?

CFD Trading Startkapital Steigender Graph

Die Startkapital-Anforderungen können je nach Broker und Handelsstrategie variieren. Teilweise haben CFD-Broker auch keine Mindesteinzahlung. Natürlich ist dann kein Echtgeldhandel möglich.

  • Mindestkapitalanforderungen von verschiedenen CFD Brokern: In der Regel zwischen 100 EUR und 500 EUR.
  • Einfluss der Handelsstrategie auf das benötigte Kapital: Scalping benötigt weniger Kapital, Swing-Trading mehr.

Experten Empfehlungen: Startkapital je nach Trading Strategie

Es gibt keine Einheitsgröße für alle, wenn es um das Startkapital für den CFD Handel geht. Je nach deiner Trading Strategie können die Kapitalanforderungen variieren.

Trading StrategieEmpfohlenes Startkapital
Minimum je nach Broker250-500 EUR
Scalping (sehr kurzfristiger Handel)1.000-2.500 EUR
Daytrading (Handel am selben Tag)2.500-5.000 EUR
Swingtrading (Handel über Tage oder Wochen)Scalping5.000-10.000 EUR
Startkapital je nach Trading Strategie

Auch wenn du bereits mit 100 EUR Trading-Konto eröffnen kannst, dann ist die Frage, wie sinnvoll das ist. 

Scalping DayTrading Swing Trading

Was ist der Handel mit CFDs?

CFD Trading, oder Handel mit Differenzkontrakten, ermöglicht es Tradern, auf die Kursbewegungen von Finanzprodukten (Basiswerte) wie Aktien, Indizes, Kryptowährungen, Anleihen Rohstoffen und Währungspaaren zu setzen. Du spekulierst also auf die Kursbewegung des Basiswerts. 

CFDs (Contract for Difference) werden nicht über die Börse gehandelt, sondern OTC, also over the counter. 

Vorteile von CFDsRisiken beim CFD Trading
FlexibilitätHohe Hebelwirkung mit hohem Risiko
Möglichkeit, Long oder Short zu gehenTotalverlust möglich
HebelwirkungMarktrisiko
Vorteile und Risken CFD Trading

Kapitalanforderung am Beispiel DAX: Echtes Trading Beispiel

DAX StandLotPunktwertigkeitHebelMargin in %
15,0000.110 Cent pro Punkt1:205%
DAX40 Trading Beispiel bei Trive (GKFX)

Allgemeine Formel: DAX Stand x Lot x Margin in %

Margin: 15.000 x 0.1 x 0.05 = 75 EUR 

Bei der kleinsten handelbaren Größe im DAX40 wären schon 75 EUR an Sicherheitsleistung geblockt. Den Stop Out erhältst du beim Handel mit Differenzkontrakten festgelegt von der ESMA (Europäische Wertpapier- und Marktaufsichtsbehörde) bei 50% Margin Level.

Das Margin Level wird dir in professionellen Trading Plattformen wie dem Metatrader 4 oder MetaTrader 5 immer angezeigt. In unserem Beispiel wäre es bei Positionseröffnung:

Formel: Equity* / Sicherheitsleistung x 100
*Kontostand (+/- offene Positionen)

Margin Level: 100 / 75 x 100 = 133,33%

Läuft der Trade gegen dich und fällst dein Equity auf 37,50 EUR, muss der Broker deine offenen Positionen automatisch glattstellen. Dieser Prozess heißt Stop Out, dient dem Schutz der Anleger und ist eine regulatorische Vorgabe.

CFD Trading Startkapital - Pie Chart

Tipps für geringes Startkapital

Aus Erfahrung kann ich sagen, das ein geringes Startkapital oft mit geringen Ersparnissen einhergeht. Daher würde ich jedem davon abraten mit den Handel zu starten. Ein vernünftiges Risiko- und Moneymanagement ist schwer möglich.

Gerade Anfänger neigen beim Trading dazu sich zu überhebeln und zu große Positionen zu eröffnen. Viele Beginner haben Schwierigkeiten die notwendige Trading Disziplin „durchzuziehen“.

Solltest du dennoch mit einem geringen Trading Kapital starten wollen, dann beachte bitte die folgenden Ratschläge:

  • Mit Demo-Konto üben: Erhalte ein Gefühl für den Handel ohne finanzielles Risiko.
  • Kleine Positionen handeln: Minimiere dein Risiko durch kleinere Trades.
  • Konservatives Risikomanagement: Setze Stop-Loss-Orders und manage dein Kapital klug.

Mögliche Renditen und Verluste

Beim CFD Handel ist es möglich, gute Renditen zu erzielen, aber es gibt auch Risiken. Theoretisch ist natürlich eine Jahresrendite von 5-15% möglich. Denke jedoch daran, dass auch Drawdowns und Totalverlust möglich sind.

Hebel und Margin beim CFD-Trading

Ein wichtiger Aspekt im Differenzkontrakte Handel ist der Hebel. Mit ihm kannst du mit einem geringeren Kapitaleinsatz größere Positionen eröffnen. Aber Achtung: Ein Hebel erhöht sowohl die potenziellen Gewinne als auch die Verluste.

  • Definition des Hebels: Ein Multiplikator, der deine Handelsgröße erhöht.
  • Margin-Anforderungen: Der Betrag, den du auf deinem Konto haben musst, um eine Position zu eröffnen.

Vermeidung von Margin Calls durch effektives Risikomanagement

Was ist ein Margin Call? Vor dem Stop Out bei 50% Margin Level kommt der „Margin Call„. Das ist die Aufforderung des Brokers, mehr Kapital einzuzahlen, wenn deine offenen Positionen gegen dich laufen. Durch effektives Risikomanagement kannst du das vermeiden.

Diagramm zur Darstellung von CFDs mit Auf- und Abwärtspfeilen.

Teilweise wird der Margin Call nur farblich in der Handelsplattform dargestellt, du kannst dein Margin Level auch erhöhen, durch Teilschließungen deiner offenen Positionen. Natürlich kannst du es auch ignorieren, du wirst nicht gezwungen zu handeln.

Markt Einfluss auf das Startkapital: Forex, Aktie, Index, Krypto oder Rohstoff?

Nicht alle Finanzmärkte sind gleich, wenn es um das benötigte Startkapital geht. Einige Märkte erfordern mehr Kapital als andere.

Die Tabelle zeigt die Margin Anforderungen beim Broker Trive (GKFX) für 0.1 Lot Positionsgröße, sowie den Kontraktwert und den vorgegeben Hebel.

BasiswertMargin-Anforderung EURKontraktwertHebel
EURUSD333 10.000 EUR1:30
DAX4074,161.482,82 EUR1:20
Gold*94.03 1.991,6 USD1:20
Apple*328,93 für **10 Kontrakte1.741,8 EUR1:5
Bitcoin*1.393,652.951,10 USD1:2
Marginanforderung, Kontraktwert beim CFD Broker Trive (ehemals GKFX Financial Services)

*Gold, Apple und Bitcoin werden auf USD Basis gehandelt. Der Broker zeigt die Margin immer in der Kontowährung, hier Euro. Willst du es selbst ausrechen, müsstest du die Margin noch durch den aktuellen EURUSD Kurs teilen.

Trive (GKFX) - Marginanforderung bei 0.1 Lot für: Aktien CFDs, Bitcoin CFD, Gold CFD, DAX CFD, EURUSD Forex
Trive (GKFX) – Marginanforderung

**Bei Aktien CFDs beträgt die Mindestgröße 10 Kontrakte bei Trive (GKFX). Da Aktien in Stücken gehandelt werden, wäre die Mindestgröße in der Regel immer 1 Lot. In Theorie wäre die Margin bei Apple bei 0.1 Lot = 3,29 EUR.

Risikomanagement beim CFD-Handel

Egal wie viel Startkapital du hast, Risikomanagement ist der Schlüssel zum langfristigen Erfolg im CFD-Handel.

  • Stop Loss zur Verlustbegrenzung: Setze Limits, um große Verluste zu vermeiden.
  • Keine überdimensionierten Positionen: Halte deine Trades in einer vernünftigen Größe.

Die richtige Positionsgröße beim Handel berechnen

Die Positionsgröße korrekt zu berechnen ist entscheidend. Viele Trader nutzen die 2-Prozent-Regel: Du solltest im Normalfall nicht mehr als 2% deines Kapitals pro Trade riskieren. Defensivere Trader riskieren nur 1% pro Trade.

Um das potenzielle Risiko pro Trade zu berechnen, gibt es verschiedene Methoden:

  • Fester Prozentsatz pro Trade: Bei dieser Methode legst du fest, wie viel du pro Trade riskieren willst, basierend auf einem festen Prozentsatz deines Kontostands. Zum Beispiel: Bei einem Konto von 10.000 Euro und einem Risiko von 2% pro Trade, riskierst du 200 Euro pro Trade.
  • Risiko/Gewinn-Verhältnis: Dieses Verhältnis wird berechnet, indem man den Betrag, den man zu verlieren droht, durch den erwarteten Gewinn teilt.

Chilitrades Youtube Kanal
  • Stop-Loss-Order: Ein Stop-Loss-Auftrag ist ein Auftrag an deinen Broker, eine Position zu einem bestimmten Preis zu verkaufen, um potenzielle Verluste zu begrenzen.
  • Positionsgrößenbestimmung: Hier geht es um die Größe einer Position innerhalb eines Portfolios oder den Betrag, den ein Investor handeln wird. Dies hilft, das Risiko zu kontrollieren und die Rendite zu maximieren.

Bei der Berechnung des potenziellen Risikos pro Trade müssen verschiedene Faktoren berücksichtigt werden: deine Risikotoleranz, die Größe deines Kontos und der Betrag, den du bereit bist, bei einem Trade zu verlieren.

Es gibt keinen universellen Ansatz zur Berechnung des potenziellen Risikos pro Trade. Jeder Trader sollte die Methode wählen, die am besten zu seinem Handelsstil und seiner Risikotoleranz passt.

Unterschiedliche Trading-Arten und ihr Einfluss auf das benötigte Startkapital

Bei der Festlegung des optimalen Startkapitals für den Beginn des CFD Tradings solltest du einige wichtige Faktoren berücksichtigen:

  • Brokerwahl und Konditionen: Die Gebühren, Spreads und Hebelwirkung der verschiedenen Broker können stark variieren. Wähle einen Broker mit günstigen Konditionen für kleine Konten. 

Broker mit Niederlassung in Deutschland haben oft geringere Spreads.

Markus Kraus

Handelsstrategien & weitere Faktoren

Gewünschte Handelsstrategie: Je nach gewählter Strategie benötigst du ein anderes Startkapital.

  • Kapital für Margin und Sicherheitsleistung: Du benötigst ausreichend Kapital, um die geforderte Margin beim Broker hinterlegen zu können. Die Sicherheitsleistung ist wie ein Darlehen vom Broker, statt dem Gesamten Volumen hinterlegst du nur einen Teil.
  • Empfohlene Positionsgröße und Money Management: Deine Positionsgröße sollte maximal 2-5% deines Kapitals betragen, um Verluste zu begrenzen.
CFD Trading Startkapital - MAC

Als Faustregel für dein Startkapital kannst du mindestens das 10- bis 20-fache der Positionsgröße einplanen. Bei einer angestrebten Positionsgröße von 500 Euro wären das z.B. 5.000 bis 10.000 Euro.

Plane auch einen Puffer für Drawdowns ein. Als Einsteiger ist es sinnvoll, mit einem kleinen Kapital zu starten und dieses langsam aufzubauen. Lerne mit einem Demokonto die Funktionsweise der Handelsplattform und entwickle deine Strategie, bevor du echtes Geld einsetzt.

Auswahl des richtigen CFD Brokers

Die Wahl des richtigen CFD Brokers ist fast so wichtig wie deine Handelsstrategie. Vergleiche die Mindesteinlagen und die angebotenen Assets.

Handel nur mit Brokern die in Europa regulierst sind, nur so unterliegst du dem Anlegerschutz

FAQ: CFD Trading Startkapital

Wie hoch ist die Mindesteinzahlung bei CFD Brokern?

Das variiert je nach Broker und Strategie, meist zwischen €250 und €500. Teilweise haben CFD Broker auch keine Mindesteinzahlung

Wie hoch sollte das CFD Trading Startkapital sein?

Du solltest nicht mit weniger als 1.000 EUR mit dem CFD-Trading starten.

Kann man mit 100 € traden?

Ja, aber es ist nicht sinnvoll.

Was kostet ein CFD?

Das hängt vom Basiswert und dem Broker ab. Die liquideren Wert wie DAX und EURUSD sind in der Regel am günstigsten. Du zahlst die Differenz zwischen Bid und Ask, den Spread.

Kann man mit CFD Geld verdienen?

Ja, aber es gibt auch Risiken. Ein gutes Risikomanagement ist entscheidend.

Sind CFDs steuerpflichtig?

Ja, Gewinne aus dem CFD-Handel sind in Deutschland steuerpflichtig.

Zusammenfassung: Das Startkapital brauche ich beim Traden

Die Optimierung deines Kapitaleinsatzes kann den Unterschied zwischen Gewinn und Verlust ausmachen. Vermeide Fallstricke und sichere dir den langfristigen Erfolg.

Als grobe Orientierung und aus Erfahrung solltest du nicht mit weniger als 1.000 EUR mit dem CFD Handel anfangen.

Als Anfänger mit wenig Startkapital (z.B. 100 Euro) solltest du dir überlegen, ob der CFD Handel für dich geeignet ist. CFDs handeln ist sehr risikoreich und du solltest nur Kapital aufwenden, bei dem du dir leisten kannst es zu verlieren. Beginner sollten immer ein CFD Demokonto testen.

Risikowarnung

CFDs sind komplexe Instrumente und gehen wegen der Hebelwirkung mit dem hohen Risiko einher. Kleinanlegerkonten verlieren Gelder bis zur Höhe der Einlage. Du solltest überlegen, ob Du verstehst, wie CFDs funktionieren und ob Du bereit bist, das hohe Risiko einzugehen. Du und auch erfahrene Trader sollten überlegen, ob ihr bereit seid, mit dem hohen Risiko zu gehen, das mit dem Handel von CFDs verbunden ist.

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