How can you build up secure family assets that can be passed on from generation to generation, even in times of crisis? We provided an answer to this question in the FAZ newspaper. The entire article, “A treasure for life: Family assets with precious metals”, can be read in the FAZ Finance 2023 edition dated December 30, 2022 (see also below).
A treasure for life: Family wealth with precious metals
How can you build up secure family wealth that can be passed on from generation to generation, even in times of crisis? The family-run company Elementum, based in Sindelfingen, Germany, which has specialized in strategic precious metal investments for families for almost 20 years, provides an answer.
It is not without reason that gold and silver are considered the safest investments of all. Valued since ancient times for their precious value and accepted throughout the world, gold in particular is recommended by investment experts around the globe as a way to stabilize portfolios. Gold is at the forefront of investors’ minds when it comes to building a portfolio.
However, silver also offers great opportunities. Although it is more volatile, it is also significantly undervalued. “Silver is currently about 80 times cheaper than gold, but only 7 times more silver is mined than gold,” says Bojan Pravica, Founder of Elementum. He adds: “Gold is hoarded, but silver is consumed. In many areas of technology and medicine, there is no substitute for silver.”
“Precious metals are the safest investment worldwide; it's just a matter of buying them at a good price. That's where we come in as specialists.”
What added value do Elementum customers enjoy? Pravica emphasizes: “Well-informed people make better decisions.”
Elementum offers families the opportunity to strategically build up their wealth with precious metals. Elementum advises customers not to wait for prices to rise, but to acquire more precious metals with the same investment and the “Elementum 7-Star Strategy”.
One option is the gold-silver ratio. The background to this is that the prices of gold and silver do not rise and fall in sync; the ratio changes approximately every 5 to 7 years. So, for example, if you buy gold today for $100,000 at a gold-silver ratio of 1:78.37, you will receive 1.837 g of gold. The value of the gold is expected to rise, but the amount of gold will remain the same. However, if you use the gold-silver ratio and buy silver, sell it after about 10 years and buy gold for it, you will probably get much more gold for the same price, taking all fees into account. “The question is not whether to buy gold or silver,” adds Frank Keim, Managing Director of Elementum Deutschland GmbH and Elementum Gold GmbH, “the question is when to buy what.”
Elementum Academy: Imparting knowledge
Elementum provides investors with better information so that they know how to make the best decision in each case. “It is important to us to provide people with knowledge and educate them,” says Keim. “Above all, it is important to understand why everyone needs a multi-generational family treasure in precious metals, how high the proportion should be and, above all, how to strategically buy more precious metals. Then they can take control of their own wealth creation and secure their family’s future on their own.”
After just one year of holding, the added value achieved with precious metals is tax-free. However, you should think long term so that the strategy yields attractive gains. Added to this is the security aspect. “It has probably never been more important than today to diversify the hedging risk with precious metals,” continues Pravica. “Gold and silver are the investments with the lowest risks. And they are always liquid.“ Neither inflation nor currency crises can touch them. ”Gold and silver are a store of value in every country in the world,“ says Frank Keim, ”and no stock has held its value as long as silver and gold.”
5 golden rules for successful risk hedging
Investors should consider 5 points for optimal provision:
- Get detailed information before making a decision.
- Don’t put the responsibility for your family’s financial security in someone else’s hands; take action yourself.
- Choose the right strategy.
- Make sufficient provisions to secure your prosperity. As a rule of thumb, invest one-third of your total assets in precious metals within 10 to 15 years.
- Act instead of react. Only those who protect themselves in good time will have made sufficient provisions for the future.
Larger quantities, better conditions
What are the other advantages that Elementum offers families? The premiums are lower for large precious metal investments and higher for small ones. Those who build up their family treasure with Elementum benefit from the fact that several family members can jointly achieve better purchase prices through Elementum investment discounts. And everyone knows that “the profit lies in the purchase.” The amount of the surcharge decreases. Each family member is also free to choose the amount they wish to invest, and together they achieve the best price. There are no binding terms or investment obligations. And since the amount of gold and silver purchased by each family member is stored separately in its own storage facility, there are no disputes if someone wants to sell or give something away, whether in the event of death, divorce, or a happy occasion.
The Swiss company Elementum International AG provides a storage facility for safekeeping. Deeply hidden in the Sankt Gotthard massif, the family treasure is kept safe. Anyone who wishes to do so can visit their investment on site, because unlike some others, the facility does not exist only on paper. All transactions, from customer deposits via bank account to inventory in the storage facility, are transparent for customers at Elementum.
“Everyone can and should take responsibility for their own financial security and prosperity. This is not possible with negative interest rates, nor with inflation. A sound investment strategy involving precious metals is essential.”
The three-spokes rule
At least one-third of the total family assets should be invested in precious metals within 10 or 15 years, each according to their means. Many start with a larger sum at the beginning and pay in smaller amounts later. You can participate in the family treasure with as little as 50 Euro per transfer.
The customer holds what is known as “fractional ownership.” They own what they purchase, but only a portion of what the family owns as a whole. “Those who build up their family treasure with the Elementum 7-Star Strategy receive ‘more with certainty’ compared to traditional purchases,” says Pravica, not without pride. The customer is free to define exactly who belongs to the family. Whether grandparents, grandchildren, children, godchildren, or friends – anything is possible. Very soon, associations and companies will also be able to join forces.
What few people know is that benefits in kind, which also include precious metals, can be received tax-free from employers up to an amount of 10,000 Euro per year [in Germany].
Just as exciting is the option of setting up a company pension scheme backed by precious metals. Elementum offers this for its own employees, but also for external companies.
Text: Miriam Rauh
How can you buy precious metals cheaply and store them safely?
Elementum Deutschland GmbH, based in Sindelfingen (Germany), specializes in trading physical precious metals. Customers who purchase precious metals from Elementum Deutschland (or one of the other national Elementum companies in five European countries) can store them in the renowned high-security vaulting facilities in the St. Gotthard Massif in Switzerland at Elementum International AG.
Of course, you also have the option of purchasing gold and silver directly and having it delivered to your desired address. However, storing silver in the so-called open duty-free warehouse (“offenes Zollfreilager”) at St. Gotthard offers decisive tax advantages:
- The 19% value added tax customary in Germany is completely waived on purchases and sales – a considerable price advantage that effectively secures you 19% more silver for your money.
- If you store your silver in this high-security vault, you can sell it back to Elementum Deutschland GmbH at any time – without any bureaucratic hassle and also without VAT, as the trade takes place within the duty-free warehouse. You will receive the funds via bank wire.
- VAT is only payable when you physically remove the stored silver – either by picking it up in person (after prior notification) or by having it shipped to your address.
More silver, more return
Thanks to duty-free storage, you receive 19% more physical silver when you buy. This additional amount also participates in the performance of the silver price if it rises – a leverage effect that significantly improves your return opportunities.
Secure your storage space now – free of charge and without obligation
Register now for a storage space in the St. Gotthard high-security vaulting facility and receive free access to:
- our General Terms and Conditions (GTC)
- current fee tables
- annual audit reports from the auditing company BDO AG
- transparent proof of use of funds
- family discount information
- the popular children’s program “Schatz4Kids” (“Treasure4Kids”)
- as well as numerous other documents and information on storage, purchase, and resale, as well as the ratio “switching” strategy.
Register now: https://silberbar.elementum.de/
Tip for discounted entry: Enter the promotional code “50” (“Aktionscode“) and the “Vermittler” number 1000166 when registering to receive a 50% discount on the storage space setup fee.
Important: Registration is non-binding and does not commit you to anything – but it is your first step towards an independent and crisis-proof precious metal investment.
Elementum is a second-generation, owner-managed family business. Trust, consistency, and long-term thinking are at the heart of our philosophy. The Board of Directors of Elementum International AG is composed of internationally renowned experts in the money and precious metals markets, including economists, analysts, university professors, and precious metals specialists. This in-depth expertise forms the backbone of our actions—for your security, your assets, and your future.
About the Author
Stephan Bogner
CEO of Elementum International AG
Stephan Bogner, who holds a degree in business administration, studied economics at ISM Dortmund (Germany) and wrote the university’s first thesis on precious metals as a hedge against inflation. After studying in the UK and Australia and gaining professional experience in Dubai, he took over as CEO of Elementum International AG in Switzerland in 2012. His expertise in precious metals has had a significant impact on the company’s development.
Contact
Rockstone News & Research
Stephan Bogner (Dipl. Kfm., FH)
Müligässli 1, 8598 Bottighofen
Switzerland
Phone: +41-71-5896911
Email: info@rockstone-news.com
Disclaimer: This article reflects the personal opinion of the author. Elementum assumes no responsibility for the accuracy of the content and accepts no liability for its use. This article may contain links to external third-party websites. Elementum is not responsible for the content of these external sites and expressly distances itself from all information provided there. At the time the links were created, no unlawful content was identifiable. This article does not constitute a recommendation to buy or sell. Elementum International AG is a Swiss company that specializes exclusively in the storage of physical precious metals in a high-security vault facility located in the St. Gotthard mountain massif in Central Switzerland. The Board of Directors and Executive Management of Elementum International AG have been selected solely based on their professional expertise and long-standing experience in precious metals markets. As these individuals may also be professionally active outside their roles at Elementum International AG, the company has no influence over their external activities and respects their right to freedom of expression. Therefore, the views expressed by persons working with or for Elementum do not necessarily reflect the opinion of Elementum International AG. Investments in precious metals are subject to risks, including those specific to the structure of this market. Please read our full risk disclosures and consult a licensed financial advisor before making any investment decisions. Neither the author, Elementum International AG, nor Elementum Deutschland GmbH assume any liability for actions taken based on the information provided. Past performance is not indicative of future results.
