Der Referenzzinssatz für das Produkt Zielsparen setzt sich wie folgt zusammen:
20% gleitendes 1 Monatsgeld
80% gleitendes 10 Jahresgeld
Referenzzinssatz für Zielsparverträge
| per | 20% | 80% | Referenz-Zinssatz |
| gl. 1 Monatsgeld | gl. 10 Jahresgeld | ||
| 31.03.2005 | 2,06% | 5,28% | 4,64% |
| 30.06.2005 | 2,05% | 5,19% | 4,56% |
| 30.09.2005 | 2,06% | 5,09% | 4,49% |
| 31.12.2005 | 2,36% | 5,01% | 4,48% |
| 31.03.2006 | 2,58% | 4,94% | 4,47% |
| 30.06.2006 | 2,81% | 4,88% | 4,47% |
| 30.09.2006 | 3,10% | 4,82% | 4,48% |
| 30.12.2006 | 3,59% | 4,76% | 4,53% |
| 31.03.2007 | 3,79% | 4,72% | 4,53% |
| 30.06.2007 | 4,05% | 4,69% | 4,56% |
| 28.09.2007 | 4,38% | 4,66% | 4,60% |
| 28.12.2007 | 4,68% | 4,63% | 4,64% |
| 31.03.2008 | 4,26% | 4,60% | 4,53% |
| 30.06.2008 | 4,42% | 4,59% | 4,56% |
| 30.09.2008 | 4,55% | 4,60% | 4,59% |
| 31.12.2008 | 2,90% | 4,60% | 4,26% |
| 31.03.2009 | 1,21% | 4,59% | 3,91% |
| 30.06.2009 | 0,79% | 4,58% | 3,82% |
| 30.09.2009 | 0,38% | 4,54% | 3,71% |
| 31.12.2009 | 0,38% | 4,49% | 3,67% |
| 31.03.2010 | 0,35% | 4,43% | 3,61% |
| 30.06.2010 | 0,35% | 4,36% | 3,56% |
| 30.09.2010 | 0,55% | 4,28% | 3,53% |
| 30.12.2010 | 0,73% | 4,22% | 3,52% |
| 31.03.2011 | 0,80% | 4,17% | 3,50% |
| 30.06.2011 | 1,19% | 4,13% | 3,54% |
| 30.09.2011 | 1,25% | 4,08% | 3,51% |
| 31.12.2011 | 1,05% | 4,03% | 3,43% |
| 31.03.2012 | 0,38% | 3,96% | 3,24% |
| 30.06.2012 | 0,29% | 3,89% | 3,17% |
| 30.09.2012 | 0,04% | 3,82% | 3,06% |
| 28.12.2012 | 0,04% | 3,76% | 3,01% |
| 28.03.2013 | 0,04% | 3,70% | 2,97% |
| 28.06.2013 | 0,04% | 3,65% | 2,92% |
| 30.09.2013 | 0,06% | 3,59% | 2,89% |
| 30.12.2013 | 0,13% | 3,54% | 2,86% |
| 31.03.2014 | 0,15% | 3,48% | 2,81% |
| 30.06.2014 | 0,08% | 3,41% | 2,74% |
| 30.09.2014 | 0,09% | 3,33% | 2,68% |
| 31.12.2014 | 0,00% | 3,25% | 2,60% |
| 31.03.2015 | 0,00% | 3,18% | 2,55% |
| 30.06.2015 | 0,00% | 3,12% | 2,50% |
| 30.09.2015 | 0,00% | 3,06% | 2,45% |
| 30.12.2015 | 0,00% | 3,00% | 2,40% |
| 31.03.2016 | 0,00% | 2,92% | 2,34% |
| 30.06.2016 | 0,00% | 2,84% | 2,27% |
| 30.09.2016 | -0,36% | 2,74% | 2,12% |
| 31.12.2016 | -0,36% | 2,66% | 2,06% |
| 31.03.2017 | -0,36% | 2,58% | 1,99% |
| 30.06.2017 | -0,36% | 2,48% | 1,91% |
| 30.09.2017 | -0,36% | 2,39% | 1,84% |
| 31.12.2017 | -0,36% | 2,29% | 1,76% |
| 31.03.2018 | -0,36% | 2,21% | 1,70% |
| 30.06.2018 | -0,36% | 2,12% | 1,62% |
| 30.09.2018 | -0,36% | 2,02% | 1,54% |
| 31.12.2018 | -0,36% | 1,94% | 1,48% |
| 31.03.2019 | -0,36% | 1,86% | 1,42% |
| 30.06.2019 | -0,35% | 1,77% | 1,35% |
| 30.09.2019 | -0,40% | 1,67% | 1,26% |
| 31.12.2019 | -0,43% | 1,59% | 1,19% |