Flexible
Regular contributions or a lump sum are possible. Changes, withdrawals and delivery depend on the contractual terms and the initial fee repayment phase.
The Precious Metals Depots
Premium Elements 4.0
Premium Elements 4.0 is a structured precious-metal depot for building physical holdings of gold, silver, platinum and palladium. The Junior option can be considered for long-term goals for children and young people.
Banking and Custody Structure
With a regulated German private bank in the background.
For the thirteenth consecutive time, Sutor Bank was rated ‘Outstanding Asset Management’ in the Focus Money and n-tv bank test.
Founded in Hamburg in 1921, Sutor Bank is a renowned German private bank that manages more than 300,000 investment accounts, is a member of the Association of German Banks and is supervised by BaFin.
Your precious metals are held by Sutor Bank in vaults of internationally recognised secure storage facilities: gold in Germany, and silver, platinum and palladium in a Swiss bonded warehouse. The precious-metal holdings are sufficiently insured.
What does this offer you?
The key benefits at a glance.
Premium Elements 4.0 combines a tangible-asset approach with an organized process for purchase, custody and later disposal.
Tax perspective
For private assets, special rules for private sales transactions may become relevant after the statutory holding period.
Inflation-aware
Precious metals are real tangible assets and can complement monetary assets over the long term.
Convenient
Purchase, custody and overview are structured without you having to store bars yourself.
Knowledge before deciding
Understand the four metals individually.
Gold, silver, platinum and palladium have different demand drivers and risks. The guides provide a structured introduction before any personal weighting is discussed.
Highlights
Individual precious metals depot with automated processes.
- Choice of gold, silver, platinum and palladium.
- Regular acquisition at current conditions.
- Professional custody instead of a private storage solution.
- Online traceable holdings and transactions.
- Later sale or physical delivery according to the contractual terms.
Investment Options
This is how getting started can look.
Build monthly
Suitable for people who want to build wealth step by step and spread price fluctuations over time.
Use individually
After the contract has been set up, the depot can be used individually for further steps within the applicable terms.
For the next generation
For children and young people, a tangible-asset building block can be started early and grow over the long term.
Process
Understand before you apply.
The consultation explains Premium Elements 4.0. We discuss acquisition and custody, initial and ongoing costs, risks and contractual restrictions. You do not need to select a variant or submit financial documents for the inquiry.
Bring your questions
What would you like to understand? No prior product knowledge is required.
Explain benefits and costs
Compare product features, cost impact and limitations using the current documents.
Decide on the next step
An application and the required checks follow only if you wish to proceed.
Next Step
Understand what the product means for you.
Have Premium Elements 4.0 explained personally, including costs, benefits and risks. Request the conversation now; decide on a product purchase later.