VB
Vanguard Small-Cap ETF
stock NYSE ETF

Ne, nur eigene Automaten. Santander ist aber meiner Meinung nach genauso verbreitet wie Commerzbank. Sparkasse/VB kann man nicht direkt vergleichen, da gehen Einzahlungen nur bei der lokalen Bank, nicht überall in Deutschland.

We don’t know enough about you to make specific recommendations intelligently. In general you have most of your investments in one asset class: US Large Cap stocks. If you were to pick a single asset class to be concentrated in, this would be the one. However in general it’s prudent to diversify amongst global equities. Consider small US stocks (ETFs could be VB, IJR, SCHA, or AVUV) for a small amount of exposure. Also consider international stocks. VXUS is a “catch all”, but also more targeted ETFs would be VEA/IEFA for large int developed stocks; SCHC/AVDV for small INT dev stocks; or VWO/SCHE/FNDE/DFEV for emerging market stocks.
In general 10-45% of an equity portfolio could be allocated to international stocks. 10-20% international would be seen as “overweighting US stocks” while 35-45% would be seen as “overweighting international stocks”. This also doesn’t have to even be this complicated - many people will just invest 100% in VT and make it their only position. VT is an etf that tracks a global stock index, so you get everything with just one etf. It’s not what I do personally, but you essentially get a diversified equity portfolio for essentially no cost and little effort. Good luck - happy investing.

**Historical Bitcoin prices for today, January 10th:**
2026 - $90,517
2025 - $94,701
2024 - $46,628
2023 - $17,446
2022 - $41,821
2021 - $38,356
2020 - $8,167
2019 - $3,679
2018 - $14,973
2017 - $908
2016 - $448
2015 - $275
2014 - $958
2013 - $14.1
2012 - $6.4
2011 - $0.30
**Additional Stats:**
Bitcoin's current market cap is $1.81 trillion.
Bitcoin's current block height is 931721; with the average block time for the last 7 days being 10.29 minutes and the average block size for the last 7 days being 1.57MB.
Bitcoin's mining difficulty is currently 146.47 trillion; with the next difficulty adjustment anticipated on 22-Jan-2026 (within 1,687 blocks). The mining difficulty is currently expected to increase 0.5% to 147.21 trillion.
Bitcoin's current block reward is 3.125₿, which is worth $282,864 per block.
Bitcoin's average daily miners' revenue for the last 7 days is $40.01M; with the average daily miners' profitability for the last 7 days being $0.0388 per terahash per sec.
The next Bitcoin halving is anticipated to happen between 26-Mar-2028 to 20-Apr-2028 (within 118,279 blocks); the block reward will fall to 1.5625₿.
There are currently 24,994 reachable Bitcoin nodes.
Bitcoin's average daily hashrate for the last 7 days is 1.032 zettahashes per second.
Bitcoin's average daily trading volume for the last 7 days is $39.64 billion.
Bitcoin's average daily number of transactions for the last 7 days is 417,304.
Bitcoin's average transaction fee for the last 7 days is 2.79 sats/VB, with the average fee's USD amount being $0.59; with the median values being 0.97 sats/VB & $0.20 respectively.
There are currently 19.97M ₿ in circulation, leaving 1.03M to be mined.
There are currently 4.05M ₿ held by companies, governments, DeFi, and ETFs, representing 20.27% of circulating supply.
There are currently 57,734,978 nonzero Bitcoin addresses that contain 165.97M UTXOs.
Bitcoin's average daily price from 18-Jul-2010 to 10-Jan-2026 is $19,778.
Bitcoin's average daily price for the year 2026 is $91,167.
1 US Dollar ($) currently equals: 1,105 satoshis; making 1 penny equal 11.05 sats.
Bitcoin's minimum (closing) price for the year 2026 was $88,731.99 on 01-Jan-2026.
Bitcoin's maximum (closing) price for the year 2026 was $93,882.55 on 05-Jan-2026.
Bitcoin's minimum (intraday) price for the year 2026 was $87,399.41 on 01-Jan-2026.
Bitcoin's maximum (intraday) price for the year 2026 was $94,762.07 on 05-Jan-2026.
Bitcoin's largest daily decrease for the year 2026 was −$2,420.98 on 07-Jan-2026.
Bitcoin's largest daily increase for the year 2026 was +$2,469.06 on 05-Jan-2026.
Bitcoin's all-time high (intraday) was $126,198.07 on 06-Oct-2025. Bitcoin is down 28.27% from the ATH.
Bitcoin has not reached an all-time high in 2026.
It has been 96 days since the last ATH.

Ne, nur eigene Automaten. Santander ist aber meiner Meinung nach genauso verbreitet wie Commerzbank. Sparkasse/VB kann man nicht direkt vergleichen, da gehen Einzahlungen nur bei der lokalen Bank, nicht überall in Deutschland.

We don’t know enough about you to make specific recommendations intelligently. In general you have most of your investments in one asset class: US Large Cap stocks. If you were to pick a single asset class to be concentrated in, this would be the one. However in general it’s prudent to diversify amongst global equities. Consider small US stocks (ETFs could be VB, IJR, SCHA, or AVUV) for a small amount of exposure. Also consider international stocks. VXUS is a “catch all”, but also more targeted ETFs would be VEA/IEFA for large int developed stocks; SCHC/AVDV for small INT dev stocks; or VWO/SCHE/FNDE/DFEV for emerging market stocks.
In general 10-45% of an equity portfolio could be allocated to international stocks. 10-20% international would be seen as “overweighting US stocks” while 35-45% would be seen as “overweighting international stocks”. This also doesn’t have to even be this complicated - many people will just invest 100% in VT and make it their only position. VT is an etf that tracks a global stock index, so you get everything with just one etf. It’s not what I do personally, but you essentially get a diversified equity portfolio for essentially no cost and little effort. Good luck - happy investing.

**Historical Bitcoin prices for today, January 10th:**
2026 - $90,517
2025 - $94,701
2024 - $46,628
2023 - $17,446
2022 - $41,821
2021 - $38,356
2020 - $8,167
2019 - $3,679
2018 - $14,973
2017 - $908
2016 - $448
2015 - $275
2014 - $958
2013 - $14.1
2012 - $6.4
2011 - $0.30
**Additional Stats:**
Bitcoin's current market cap is $1.81 trillion.
Bitcoin's current block height is 931721; with the average block time for the last 7 days being 10.29 minutes and the average block size for the last 7 days being 1.57MB.
Bitcoin's mining difficulty is currently 146.47 trillion; with the next difficulty adjustment anticipated on 22-Jan-2026 (within 1,687 blocks). The mining difficulty is currently expected to increase 0.5% to 147.21 trillion.
Bitcoin's current block reward is 3.125₿, which is worth $282,864 per block.
Bitcoin's average daily miners' revenue for the last 7 days is $40.01M; with the average daily miners' profitability for the last 7 days being $0.0388 per terahash per sec.
The next Bitcoin halving is anticipated to happen between 26-Mar-2028 to 20-Apr-2028 (within 118,279 blocks); the block reward will fall to 1.5625₿.
There are currently 24,994 reachable Bitcoin nodes.
Bitcoin's average daily hashrate for the last 7 days is 1.032 zettahashes per second.
Bitcoin's average daily trading volume for the last 7 days is $39.64 billion.
Bitcoin's average daily number of transactions for the last 7 days is 417,304.
Bitcoin's average transaction fee for the last 7 days is 2.79 sats/VB, with the average fee's USD amount being $0.59; with the median values being 0.97 sats/VB & $0.20 respectively.
There are currently 19.97M ₿ in circulation, leaving 1.03M to be mined.
There are currently 4.05M ₿ held by companies, governments, DeFi, and ETFs, representing 20.27% of circulating supply.
There are currently 57,734,978 nonzero Bitcoin addresses that contain 165.97M UTXOs.
Bitcoin's average daily price from 18-Jul-2010 to 10-Jan-2026 is $19,778.
Bitcoin's average daily price for the year 2026 is $91,167.
1 US Dollar ($) currently equals: 1,105 satoshis; making 1 penny equal 11.05 sats.
Bitcoin's minimum (closing) price for the year 2026 was $88,731.99 on 01-Jan-2026.
Bitcoin's maximum (closing) price for the year 2026 was $93,882.55 on 05-Jan-2026.
Bitcoin's minimum (intraday) price for the year 2026 was $87,399.41 on 01-Jan-2026.
Bitcoin's maximum (intraday) price for the year 2026 was $94,762.07 on 05-Jan-2026.
Bitcoin's largest daily decrease for the year 2026 was −$2,420.98 on 07-Jan-2026.
Bitcoin's largest daily increase for the year 2026 was +$2,469.06 on 05-Jan-2026.
Bitcoin's all-time high (intraday) was $126,198.07 on 06-Oct-2025. Bitcoin is down 28.27% from the ATH.
Bitcoin has not reached an all-time high in 2026.
It has been 96 days since the last ATH.

If you didn’t buySHIB before they gave half the supply to VB there is no point in buying.

Ich würde noch weiter gehen und von der Volksbank zur ING oder ähnlichem wechseln. Ich war auch bei der VB und alles an den Apps (man brauchte sogar mehr als eine was schon ein Nachteil ist) war benutzerunfreundlicher als bei der ing und die Gebühren und die Kreditkarte alles komplizierter. Und zur Beratung war ich 3 mal da und die wollten mir nur Bausparverträge oder riesterrente aufschwatzen. So ein Schmutz diese Banken

**Historical Bitcoin prices for today, January 9th:**
2026 - $90,484
2025 - $92,484
2024 - $46,140
2023 - $17,197
2022 - $41,912
2021 - $40,255
2020 - $7,879
2019 - $4,035
2018 - $14,595
2017 - $903
2016 - $448
2015 - $290
2014 - $937
2013 - $13.8
2012 - $6.3
2011 - $0.30
**Additional Stats:**
Bitcoin's current market cap is $1.81 trillion.
Bitcoin's current block height is 931553; with the average block time for the last 7 days being 10.27 minutes and the average block size for the last 7 days being 1.57MB.
Bitcoin's mining difficulty is currently 146.47 trillion; with the next difficulty adjustment anticipated on 23-Jan-2026 (within 1,855 blocks). The mining difficulty is currently expected to decrease 10.31% to 131.37 trillion.
Bitcoin's current block reward is 3.125₿, which is worth $282,762 per block.
Bitcoin's average daily miners' revenue for the last 7 days is $39.83M; with the average daily miners' profitability for the last 7 days being $0.0380 per terahash per sec.
The next Bitcoin halving is anticipated to happen between 26-Mar-2028 to 20-Apr-2028 (within 118,447 blocks); the block reward will fall to 1.5625₿.
There are currently 24,273 reachable Bitcoin nodes.
Bitcoin's average daily hashrate for the last 7 days is 1.048 zettahashes per second.
Bitcoin's average daily trading volume for the last 7 days is $40.8 billion.
Bitcoin's average daily number of transactions for the last 7 days is 432,062.
Bitcoin's average transaction fee for the last 7 days is 2.79 sats/VB, with the average fee's USD amount being $0.56; with the median values being 0.93 sats/VB & $0.19 respectively.
There are currently 19.97M ₿ in circulation, leaving 1.03M to be mined.
There are currently 4.05M ₿ held by companies, governments, DeFi, and ETFs, representing 20.27% of circulating supply.
There are currently 57,708,552 nonzero Bitcoin addresses that contain 166.25M UTXOs.
Bitcoin's average daily price from 18-Jul-2010 to 09-Jan-2026 is $19,766.
Bitcoin's average daily price for the year 2026 is $91,236.
1 US Dollar ($) currently equals: 1,105 satoshis; making 1 penny equal 11.05 sats.
Bitcoin's minimum (closing) price for the year 2026 was $88,731.99 on 01-Jan-2026.
Bitcoin's maximum (closing) price for the year 2026 was $93,882.55 on 05-Jan-2026.
Bitcoin's minimum (intraday) price for the year 2026 was $87,399.41 on 01-Jan-2026.
Bitcoin's maximum (intraday) price for the year 2026 was $94,762.07 on 05-Jan-2026.
Bitcoin's largest daily decrease for the year 2026 was −$2,420.98 on 07-Jan-2026.
Bitcoin's largest daily increase for the year 2026 was +$2,469.06 on 05-Jan-2026.
Bitcoin's all-time high (intraday) was $126,198.07 on 06-Oct-2025. Bitcoin is down 28.30% from the ATH.
Bitcoin has not reached an all-time high in 2026.
It has been 95 days since the last ATH.

Wie wurden die VB angepasst?