{"id":58767,"date":"2025-09-30T09:15:35","date_gmt":"2025-09-30T07:15:35","guid":{"rendered":"https:\/\/www.freelancermap.de\/blog\/?p=58767"},"modified":"2025-09-29T09:16:42","modified_gmt":"2025-09-29T07:16:42","slug":"daten-investitionen-freelancer-2024","status":"publish","type":"post","link":"https:\/\/www.freelancermap.de\/blog\/daten-investitionen-freelancer-2024\/","title":{"rendered":"Daten zu Investitionen und Verm\u00f6gensaufbau von Freelancern 2024"},"content":{"rendered":"\n<p>Umfrage zum Verm\u00f6gensaufbau bei Freelancern<strong>:<\/strong> Welche Strategien sie bevorzugen \u2013 von konservativen Methoden bis hin zu spekulativen Anlagen in Krypto oder Aktien. Die Befragung zeigt, welche Ziele im Vordergrund stehen und wo die gr\u00f6\u00dften H\u00fcrden liegen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Eckdaten der Erhebung<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zeitraum der Erhebung<\/strong>: M\u00e4rz 2024<\/li>\n\n\n\n<li><strong>Teilnehmer<\/strong>: Insgesamt 861 Teilnehmende. Aufgrund von Pflichtfragen und Sprunglogik konnten Fragen \u00fcbersprungen werden.<\/li>\n\n\n\n<li><strong>Region<\/strong>: D-A-CH Raum<\/li>\n\n\n\n<li><strong>Quelle<\/strong>: <a href=\"\">freelancermap<\/a><\/li>\n\n\n\n<li><strong>Methodik<\/strong>: Umfrage unter den auf freelancermap.de registrierten Freelancern. <\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Die Fakten in K\u00fcrze<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Strategien<\/strong> <strong>zum Verm\u00f6gensaufbau &#8211; ja oder nein?<\/strong> 42 Prozent der Freelancer verfolgen eine konkrete Strategie f\u00fcr den Verm\u00f6gensaufbau. Gleichzeitig legen 35 Prozent gar nichts zur\u00fcck, w\u00e4hrend 23 Prozent zwar sparen, dies aber ohne festen Plan tun.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kurzfristige vs. langfristige Strategien<\/strong>: \u00dcber die H\u00e4lfte der 358 befragten Freelancer legt langfristig an (z.B. in Immobilien). Nur 6 Prozent verfolgen kurzfristige Strategien zum Verm\u00f6gensaufbau.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Spekulativ vs. konservativ<\/strong>: Die Mehrheit der Befragten gab an, sowohl in spekulative (z.B. Krypto, Aktien) als auch in konservative (Versicherungen, Sparpl\u00e4ne) Strategien zu investieren. 32 Prozent bleiben grunds\u00e4tzlich konservativ in den Pl\u00e4nen; 29 Prozent sind rein spekulativ. <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Ziel<\/b><strong>e<\/strong>: Die Mehrheit der Befragten (60 Prozent) gab an, mit ihrer Verm\u00f6gensstrategie finanzielle Unabh\u00e4ngigkeit erreichen zu wollen. Als zweith\u00e4ufigsten Grund nannten die Freelancer die Schaffung von R\u00fccklagen (47 Prozent) und an dritter Stelle steht die Antwort Immobilienbesitz (27 Prozent). Methodik war hier eine Multiple-Choice-Umfrage mit mehreren Antwortm\u00f6glichkeiten.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Herausforderungen<\/strong>: Als gr\u00f6\u00dfte Herausforderung sehen die befragten Freelancer ein schwankendes und unvorhersehbares Einkommen (53 Prozent), sowie Unsicherheit in Steuerangelegenheiten (23 Prozent) und mangelnde Expertise bei Finanzberatern bez\u00fcglich Freelancing (18 Prozent).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">1.<strong> Strategien<\/strong> zum Verm\u00f6gensaufbau<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1600\" height=\"610\" src=\"https:\/\/img-cdn.freelancermap.de\/blog\/dach\/investieren-strategie-1.png\" alt=\"Umfrage unter Freelancern, ob sie eine konkrete Verm\u00f6gensstragie verfolgen\" class=\"wp-image-58854\"\/><\/figure>\n\n\n<style>.wp-block-kadence-advancedbtn.kt-btns58767_4f26ba-53, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns58767_4f26ba-53, .wp-block-kadence-advancedbtn.kb-btns58767_4f26ba-53, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns58767_4f26ba-53{margin-top:0px;}.wp-block-kadence-advancedbtn.kb-btns58767_4f26ba-53{padding-top:0px;padding-bottom:0px;gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-end;align-items:center;}.kt-btns58767_4f26ba-53 .kt-button{font-weight:normal;font-style:normal;}.kt-btns58767_4f26ba-53 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns58767_4f26ba-53 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns58767_4f26ba-53 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns58767_4f26ba-53 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns58767_4f26ba-53 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns58767_4f26ba-53 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns58767_4f26ba-53 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns58767_4f26ba-53\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn58767_63b0b0-1d.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn58767_63b0b0-1d.kb-button{color:#000000;font-size:13px;font-family:'Mona Sans';font-weight:400;border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}.kb-btn58767_63b0b0-1d.kb-button .kb-svg-icon-wrap{font-size:13px;--kb-button-icon-size:13px;}.wp-block-kadence-advancedbtn .kb-btn58767_63b0b0-1d.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn58767_63b0b0-1d.kb-button:focus{color:#5200FF;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn58767_63b0b0-1d.kb-button{border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn58767_63b0b0-1d.kb-button{border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn58767_63b0b0-1d kt-btn-size-small kt-btn-width-type-auto kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-true  wp-block-kadence-singlebtn\" href=\"https:\/\/img-cdn.freelancermap.de\/blog\/dach\/investieren-strategie-1.png\" download=\"\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">Download <\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_download kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4\"\/><polyline points=\"7 10 12 15 17 10\"\/><line x1=\"12\" y1=\"15\" x2=\"12\" y2=\"3\"\/><\/svg><\/span><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">2. Kurzfristige vs. langfristige Strategien<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-style-default\"><img decoding=\"async\" width=\"1600\" height=\"914\" src=\"https:\/\/img-cdn.freelancermap.de\/blog\/dach\/investieren-vermoegensstrategie-kurzfristig-langfristig-1.png\" alt=\"Umfrage unter Freelancern, ob ihre Verm\u00f6gensstrategie eher kurz- oder langfristig angelegt ist\" class=\"wp-image-58856\"\/><\/figure>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns58767_9e057e-f7{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-end;align-items:center;}.kt-btns58767_9e057e-f7 .kt-button{font-weight:normal;font-style:normal;}.kt-btns58767_9e057e-f7 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns58767_9e057e-f7 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns58767_9e057e-f7 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns58767_9e057e-f7 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns58767_9e057e-f7 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns58767_9e057e-f7 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns58767_9e057e-f7 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns58767_9e057e-f7\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn58767_2f3cc1-69.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn58767_2f3cc1-69.kb-button{color:#000000;font-size:13px;font-family:'Mona Sans';font-weight:400;border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}.kb-btn58767_2f3cc1-69.kb-button .kb-svg-icon-wrap{font-size:13px;--kb-button-icon-size:13px;}.wp-block-kadence-advancedbtn .kb-btn58767_2f3cc1-69.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn58767_2f3cc1-69.kb-button:focus{color:#5200FF;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn58767_2f3cc1-69.kb-button{border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn58767_2f3cc1-69.kb-button{border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn58767_2f3cc1-69 kt-btn-size-small kt-btn-width-type-auto kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-true  wp-block-kadence-singlebtn\" href=\"https:\/\/img-cdn.freelancermap.de\/blog\/dach\/investieren-vermoegensstrategie-kurzfristig-langfristig-1.png\" download=\"\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">Download <\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_download kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4\"\/><polyline points=\"7 10 12 15 17 10\"\/><line x1=\"12\" y1=\"15\" x2=\"12\" y2=\"3\"\/><\/svg><\/span><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">3. Spekulative vs. konservative Strategien<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-style-default\"><img decoding=\"async\" width=\"1600\" height=\"887\" src=\"https:\/\/img-cdn.freelancermap.de\/blog\/dach\/investieren-vermoegensstrategie-spekulativ-konservativ-1.png\" alt=\"Umfrage unter Freelancern, ob ihre Verm\u00f6gensstrategie eher konservativ oder spekulativ ausgelegt ist\" class=\"wp-image-58857\"\/><\/figure>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns58767_80e853-a8{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-end;align-items:center;}.kt-btns58767_80e853-a8 .kt-button{font-weight:normal;font-style:normal;}.kt-btns58767_80e853-a8 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns58767_80e853-a8 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns58767_80e853-a8 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns58767_80e853-a8 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns58767_80e853-a8 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns58767_80e853-a8 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns58767_80e853-a8 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns58767_80e853-a8\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn58767_5903a4-55.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn58767_5903a4-55.kb-button{color:#000000;font-size:13px;font-family:'Mona Sans';font-weight:400;border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}.kb-btn58767_5903a4-55.kb-button .kb-svg-icon-wrap{font-size:13px;--kb-button-icon-size:13px;}.wp-block-kadence-advancedbtn .kb-btn58767_5903a4-55.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn58767_5903a4-55.kb-button:focus{color:#5200FF;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn58767_5903a4-55.kb-button{border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn58767_5903a4-55.kb-button{border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn58767_5903a4-55 kt-btn-size-small kt-btn-width-type-auto kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-true  wp-block-kadence-singlebtn\" href=\"https:\/\/img-cdn.freelancermap.de\/blog\/dach\/investieren-vermoegensstrategie-spekulativ-konservativ-1.png\" download=\"\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">Download <\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_download kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4\"\/><polyline points=\"7 10 12 15 17 10\"\/><line x1=\"12\" y1=\"15\" x2=\"12\" y2=\"3\"\/><\/svg><\/span><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">4. Ziele der Verm\u00f6gensstrategie<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-style-default\"><img decoding=\"async\" width=\"1600\" height=\"814\" src=\"https:\/\/img-cdn.freelancermap.de\/blog\/dach\/investieren-vermoegensstrategie-ziele-1.png\" alt=\"Umfrage unter Freelancern, welche Ziele sie mit ihrer Verm\u00f6gensstrategie verfolgen\" class=\"wp-image-58858\"\/><\/figure>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns58767_9cd843-af{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-end;align-items:center;}.kt-btns58767_9cd843-af .kt-button{font-weight:normal;font-style:normal;}.kt-btns58767_9cd843-af .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns58767_9cd843-af .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns58767_9cd843-af .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns58767_9cd843-af .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns58767_9cd843-af .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns58767_9cd843-af .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns58767_9cd843-af .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns58767_9cd843-af\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn58767_42aff5-5b.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn58767_42aff5-5b.kb-button{color:#000000;font-size:13px;font-family:'Mona Sans';font-weight:400;border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}.kb-btn58767_42aff5-5b.kb-button .kb-svg-icon-wrap{font-size:13px;--kb-button-icon-size:13px;}.wp-block-kadence-advancedbtn .kb-btn58767_42aff5-5b.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn58767_42aff5-5b.kb-button:focus{color:#5200FF;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn58767_42aff5-5b.kb-button{border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn58767_42aff5-5b.kb-button{border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn58767_42aff5-5b kt-btn-size-small kt-btn-width-type-auto kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-true  wp-block-kadence-singlebtn\" href=\"https:\/\/img-cdn.freelancermap.de\/blog\/dach\/investieren-vermoegensstrategie-ziele-1.png\" download=\"\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">Download <\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_download kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4\"\/><polyline points=\"7 10 12 15 17 10\"\/><line x1=\"12\" y1=\"15\" x2=\"12\" y2=\"3\"\/><\/svg><\/span><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">5. Herausforderungen beim Investieren<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-style-default\"><img decoding=\"async\" width=\"1600\" height=\"859\" src=\"https:\/\/img-cdn.freelancermap.de\/blog\/dach\/investieren-vermoegensstrategie-herausforderungen-1.png\" alt=\"Umfrage unter Freelancern, was sie als gr\u00f6\u00dfte H\u00fcrden und Herausforderungen im Inverstieren sehen\" class=\"wp-image-58855\"\/><\/figure>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns58767_5861cd-9e{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-end;align-items:center;}.kt-btns58767_5861cd-9e .kt-button{font-weight:normal;font-style:normal;}.kt-btns58767_5861cd-9e .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns58767_5861cd-9e .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns58767_5861cd-9e .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns58767_5861cd-9e .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns58767_5861cd-9e .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns58767_5861cd-9e .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns58767_5861cd-9e .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns58767_5861cd-9e\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn58767_74e8c6-19.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn58767_74e8c6-19.kb-button{color:#000000;font-size:13px;font-family:'Mona Sans';font-weight:400;border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}.kb-btn58767_74e8c6-19.kb-button .kb-svg-icon-wrap{font-size:13px;--kb-button-icon-size:13px;}.wp-block-kadence-advancedbtn .kb-btn58767_74e8c6-19.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn58767_74e8c6-19.kb-button:focus{color:#5200FF;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn58767_74e8c6-19.kb-button{border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn58767_74e8c6-19.kb-button{border-top-color:#ffffff;border-top-style:solid;border-right-color:#ffffff;border-right-style:solid;border-bottom-color:#ffffff;border-bottom-style:solid;border-left-color:#ffffff;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn58767_74e8c6-19 kt-btn-size-small kt-btn-width-type-auto kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-true  wp-block-kadence-singlebtn\" href=\"https:\/\/img-cdn.freelancermap.de\/blog\/dach\/investieren-vermoegensstrategie-herausforderungen-1.png\" download=\"\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">Download <\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_download kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4\"\/><polyline points=\"7 10 12 15 17 10\"\/><line x1=\"12\" y1=\"15\" x2=\"12\" y2=\"3\"\/><\/svg><\/span><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Die Ergebnisse im Detail<\/h2>\n\n\n<style>.kt-accordion-id58767_9b4a9c-53 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:10px;}.kt-accordion-id58767_9b4a9c-53 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;background:#ffffff;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id58767_9b4a9c-53 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #eeeeee;border-right:1px solid #eeeeee;border-bottom:1px solid #eeeeee;border-left:2px solid #eeeeee;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#ffffff;color:#444444;padding-top:14px;padding-right:16px;padding-bottom:14px;padding-left:16px;}.kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id58767_9b4a9c-53 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id58767_9b4a9c-53 .kt-blocks-accordion-header:focus-visible{color:#444444;background:#ffffff;border-top-color:#d4d4d4;border-top-style:solid;border-right-color:#d4d4d4;border-right-style:solid;border-bottom-color:#d4d4d4;border-bottom-style:solid;border-left-color:#00FFC8;border-left-style:solid;}.kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id58767_9b4a9c-53 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id58767_9b4a9c-53 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#444444;background:#ffffff;border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#00FFC8;border-left-style:solid;}.kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id58767_9b4a9c-53:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}@media all and (max-width: 1024px){.kt-accordion-id58767_9b4a9c-53 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id58767_9b4a9c-53 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #eeeeee;border-right:1px solid #eeeeee;border-bottom:1px solid #eeeeee;border-left:2px solid #eeeeee;}}@media all and (max-width: 1024px){.kt-accordion-id58767_9b4a9c-53 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id58767_9b4a9c-53 .kt-blocks-accordion-header:focus-visible{border-top-color:#d4d4d4;border-top-style:solid;border-right-color:#d4d4d4;border-right-style:solid;border-bottom-color:#d4d4d4;border-bottom-style:solid;border-left-color:#00FFC8;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id58767_9b4a9c-53 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id58767_9b4a9c-53 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#00FFC8;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id58767_9b4a9c-53 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id58767_9b4a9c-53 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:10px;}.kt-accordion-id58767_9b4a9c-53 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}.kt-accordion-id58767_9b4a9c-53 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #eeeeee;border-right:1px solid #eeeeee;border-bottom:1px solid #eeeeee;border-left:2px solid #eeeeee;}.kt-accordion-id58767_9b4a9c-53 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id58767_9b4a9c-53 .kt-blocks-accordion-header:focus-visible{border-top-color:#d4d4d4;border-top-style:solid;border-right-color:#d4d4d4;border-right-style:solid;border-bottom-color:#d4d4d4;border-bottom-style:solid;border-left-color:#00FFC8;border-left-style:solid;}.kt-accordion-id58767_9b4a9c-53 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id58767_9b4a9c-53 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#00FFC8;border-left-style:solid;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id58767_9b4a9c-53 kt-accordion-has-5-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-arrow kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"0\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane58767_2c6c8b-a0\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Konkrete Strategien zum Verm\u00f6gensaufbau<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Die Ergebnisse zeigen ein gemischtes Bild beim Thema Verm\u00f6gensaufbau. Zwar hat ein Teil der Freelancer (42 Prozent) eine klare Strategie, etwa durch regelm\u00e4\u00dfige R\u00fccklagen oder Investitionen, doch ein ebenso gro\u00dfer Teil spart entweder gar nicht (35 Prozent) oder geht dabei ohne Plan vor (23 Prozent).<\/p>\n\n\n\n<p>Gerade f\u00fcr Selbstst\u00e4ndige, die keine automatische Absicherung wie Angestellte haben, <strong>erh\u00f6ht dies das Risiko finanzieller Unsicherheit<\/strong> in projektarmen Phasen. Gleichzeitig wird sichtbar: Rund vier von zehn Freelancern setzen aktiv auf langfristige Finanzplanung.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane58767_1fc7e5-16\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Kurzfristige vs. langfristige Strategien<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Unter den 358 befragten Freelancern verfolgen 55 Prozent eine langfristige Verm\u00f6gensstrategie, beispielsweise \u00fcber Immobilien oder andere Anlagen mit l\u00e4ngerer Laufzeit. 39 Prozent kombinieren kurz- und langfristige Ans\u00e4tze, was auf eine ausgewogenere Strategie zwischen Sicherheit und Flexibilit\u00e4t hindeutet. <\/p>\n\n\n\n<p>Nur 6 Prozent setzen ausschlie\u00dflich auf kurzfristige Optionen wie etwa Tagesgeld. Damit zeigt sich klar: <strong>Die Mehrheit der Selbstst\u00e4ndigen<\/strong> denkt beim Verm\u00f6gensaufbau in l<strong>\u00e4ngeren Zeitr\u00e4umen<\/strong>, w\u00e4hrend rein kurzfristige Strategien kaum eine Rolle spielen.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane58767_c68afd-9a\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Spekulative vs. konservative Strategien<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Unter den 358 befragten Freelancern verfolgen 39 Prozent sowohl spekulative als auch konservative Strategien \u2013 sie setzen also auf eine <strong>Mischung aus Risikoanlagen<\/strong> wie Aktien oder Kryptow\u00e4hrungen <strong>und sichereren Optionen<\/strong> wie Versicherungen oder Sparpl\u00e4nen. 32 Prozent orientieren sich eher konservativ, w\u00e4hrend 29 Prozent eine eher spekulative Strategie bevorzugen.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane58767_1b9789-a6\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Ziele<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Unter den 558 befragten Freelancern steht f\u00fcr <strong>60 Prozent das Ziel der finanziellen Unabh\u00e4ngigkeit <\/strong>im Vordergrund, wenn es um Investitionen geht. 47 Prozent m\u00f6chten in erster Linie R\u00fccklagen schaffen, um sich abzusichern. Rund ein Viertel der Befragten strebt den Besitz von Immobilien (27 Prozent) oder einen fr\u00fcheren Renteneintritt (25 Prozent) an.<\/p>\n\n\n\n<p>F\u00fcr 19 Prozent ist die Investition ins eigene Unternehmen ein zentrales Ziel, w\u00e4hrend lediglich 5 Prozent andere Motive verfolgen. Die Ergebnisse zeigen: F\u00fcr viele Freelancer geht es beim Investieren weniger um kurzfristige Gewinne, sondern <strong>vor allem um Sicherheit, Unabh\u00e4ngigkeit und langfristige Stabilit\u00e4t<\/strong>.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane58767_dc4690-20\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Herausforderungen<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>Unter den 558 befragten Freelancern nennen 53 Prozent ein schwankendes oder unvorhersehbares Einkommen als gr\u00f6\u00dfte Herausforderung beim Investieren, was wiederum die <strong>Unsicherheit<\/strong> hervor hebt, die mit selbstst\u00e4ndiger Arbeit einhergeht.<\/p>\n\n\n\n<p>23 Prozent sehen die gr\u00f6\u00dften Probleme in Steuerangelegenheiten, w\u00e4hrend 18 Prozent den Mangel an Expertise bei Finanzberatern bem\u00e4ngeln. F\u00fcr 15 Prozent erschweren Schwierigkeiten beim Zugang zu Investitionskrediten den Verm\u00f6gensaufbau und 13 Prozent beklagen den begrenzten Zugang zu Vorsorge- und Rentenpl\u00e4nen. <\/p>\n\n\n\n<p>Weitere 12 Prozent f\u00fchren sonstige Herausforderungen an. Insgesamt zeigt sich, dass die gr\u00f6\u00dften H\u00fcrden <strong>weniger im fehlenden Willen<\/strong> zum Investieren liegen, sondern <strong>vielmehr in strukturellen Unsicherheiten<\/strong> und <strong>fehlenden Rahmenbedingungen<\/strong> f\u00fcr Selbstst\u00e4ndige.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.kb-row-layout-id58767_ec995c-e7 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id58767_ec995c-e7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id58767_ec995c-e7 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-sm, 1rem);row-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(65% - ((var(--global-kb-gap-sm, 1rem) * 1 )\/2)))minmax(0, calc(35% - ((var(--global-kb-gap-sm, 1rem) * 1 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.kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column58767_49bafa-09 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column58767_49bafa-09 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column58767_49bafa-09 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column58767_49bafa-09{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column58767_49bafa-09{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column58767_49bafa-09 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column58767_49bafa-09 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column58767_49bafa-09{position:relative;}.kadence-column58767_49bafa-09, .kt-inside-inner-col > .kadence-column58767_49bafa-09:not(.specificity){margin-left:0px;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column58767_49bafa-09{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column58767_49bafa-09{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column58767_49bafa-09 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column58767_49bafa-09 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column58767_49bafa-09{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column58767_49bafa-09{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column58767_49bafa-09 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column58767_49bafa-09 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column58767_49bafa-09 p{margin-bottom: 15px !important;}<\/style>\n<div class=\"wp-block-kadence-column kadence-column58767_49bafa-09\"><div class=\"kt-inside-inner-col\">\n<p style=\"font-size:16px\"><strong>Auf der Suche nach mehr Data-Insights?<\/strong><br>Hier nachlesen, wie sich die psychische Gesundheit von Freelancern nach K\u00fcndigung ihrer Festanstellung ver\u00e4ndert hat.<\/p>\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns58767_88bb58-ca{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns58767_88bb58-ca .kt-button{font-weight:normal;font-style:normal;}.kt-btns58767_88bb58-ca .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns58767_88bb58-ca .kt-btn-wrap-0 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0.5rem);margin-left:var(--global-kb-spacing-xxs, 0.5rem);}.wp-block-kadence-advancedbtn .kb-btn58767_c118e0-24.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn58767_c118e0-24.kb-button:focus{color:#ffffff;background:#222222;}<\/style><a class=\"kb-button kt-button button kb-btn58767_c118e0-24 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-fill  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"\/blog\/daten-burnout-unter-freelancern-2025\/\"><span class=\"kt-btn-inner-text\">Jetzt informieren<\/span><\/a><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column58767_f67a96-98 > .kt-inside-inner-col,.kadence-column58767_f67a96-98 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column58767_f67a96-98 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column58767_f67a96-98 > 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.kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image58767_f06e89-55 size-full kb-image-is-ratio-size\"><div class=\"kb-is-ratio-image kb-image-ratio-land32\"><img decoding=\"async\" width=\"1100\" height=\"480\" src=\"https:\/\/img-cdn.freelancermap.de\/blog\/dach\/inkasso.png\" alt=\"\" class=\"kb-img wp-image-58729\"\/><\/div><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Umfrage zum Verm\u00f6gensaufbau bei Freelancern: Welche Strategien sie bevorzugen \u2013 von konservativen Methoden bis hin zu spekulativen Anlagen in Krypto oder Aktien. Die Befragung zeigt, welche Ziele im Vordergrund stehen und wo die gr\u00f6\u00dften H\u00fcrden liegen.<\/p>\n","protected":false},"author":72,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"kampagne":"","om_disable_all_campaigns":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"categories":[201],"tags":[],"class_list":["post-58767","post","type-post","status-publish","format-standard","hentry","category-datenerhebungen"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Umfrage zum Verm\u00f6gensaufbau von Freelancern 2024<\/title>\n<meta name=\"description\" content=\"Daten und Zahlen zu Investitionen und Verm\u00f6gensaufbau unter Freelancern | Freelancer-Umfrage | Grafiken und Datenerhebungen zum Download \u2713\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.freelancermap.de\/blog\/daten-investitionen-freelancer-2024\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Umfrage zum Verm\u00f6gensaufbau von Freelancern 2024\" \/>\n<meta property=\"og:description\" content=\"Daten und Zahlen zu Investitionen und Verm\u00f6gensaufbau unter Freelancern | Freelancer-Umfrage | Grafiken und Datenerhebungen zum Download \u2713\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.freelancermap.de\/blog\/daten-investitionen-freelancer-2024\/\" \/>\n<meta property=\"og:site_name\" content=\"Freelancer Blog\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-30T07:15:35+00:00\" \/>\n<meta property=\"og:image\" 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