At a time of growing economic uncertainty, inflation and geopolitical tensions, many families are looking for stable, long-term options for securing their assets.
Precious metals such as silver and gold are becoming increasingly popular – and for good reason. With its “Multi-Generation Family Treasure” and “Children’s Treasure” (“KinderSchatz”) programs, Elementum offers a unique solution for cross-generational saving and investing in real value.
Why invest in silver right now?
Silver is currently experiencing a real boom: In the first half of 2025 alone, the price rose by over 25% – with further upside potential.
The reasons for this include:
- A structural market deficit due to rising industrial demand (e.g. photovoltaics, medical technology, electromobility)
- Declining silver production, and a historically favourable gold-silver ratio, which indicates strong catch-up potential.
Silver is not only a raw material in high demand for industrial use, but also a crisis-proof tangible asset. Unlike many ‘toxic’ financial products, Elementum offers real physical silver – directly, securely and independently.
Why it is educationally valuable for kids to start saving early
Children learn through lived experience – and this is exactly where the concept of KinderSchatz comes in. Those who learn early on how to handle money, possessions and long-term thinking lay a strong foundation for responsible financial behaviour in adulthood.
Saving promotes important values:
- Responsibility: Those who save think not only about today, but also about tomorrow.
- Patience and goal orientation: Children learn that it is worthwhile to save for a goal and to forego short-term desires and consumption.
- Appreciation of possessions: Those who save or have saved for something themselves are more conscious and mindful of it.
In contrast to abstract account numbers or digital savings plans, physical silver therefore offers a particularly tangible and understandable introduction to the world of saving.
Silver: A real experience for kids
Silver not only shines visually, but is also a brilliant introduction to the world of values. Unlike digital savings, children can see what actually belongs to them: a real piece of metal, safely stored in a Swiss vault – with its own storage space that can be viewed online at any time.
Why silver is the perfect starter investment for children:
- It is visible and tangible: Children can imagine what a silver bar looks like and how it feels – this creates trust and enthusiasm.
- It has weight – literally: A real silver bar immediately conveys a sense of substance and value.
- It grows with them: With every deposit or gift, their own treasure grows – a motivating learning process.
- It is a lasting gift: Instead of plastic toys, the child receives something that grows with them – year after year.
KinderSchatz: Value awareness from the very beginning
With Elementum’s KinderSchatz program, children receive their own (small) silver deposit – a meaningful gift for birth, baptism, starting school or other milestones in life:
- Educational: Promotes a conscious approach to values and assets.
- A strong symbol: Silver as a gift with lasting value
- Anyone can participate: Parents, grandparents, godparents, friends – everyone can give a gift.
- No minimum term, no obligations – full flexibility at all times.
- Silver investments possible from 50 EUR per deposit.
From the nursery to your own assets
What is still a sparkling treasure to hold in your hands today can be the foundation for your first car, education or your own flat tomorrow.
At the same time, children learn that they can take responsibility for their own assets – accompanied by parents, grandparents or godparents who give them a real sense of security and personal responsibility with the KinderSchatz program.
With their own physically backed silver account at Elementum, the ‘treasure’ becomes not just an empty metaphor, but a concrete experience: Visible, tangible, comprehensible – and accessible at any time.
Multi-generational family treasure: Working together for more wealth
With Elementum’s multi-generational family treasure concept, families benefit from particularly favourable terms and conditions. Parents, grandparents, siblings or godparents – everyone can invest in real assets together and secure discounts for each other.
The advantages at a glance:
- Flexible deposits – starting at just 50 EUR per month or as a one-off payment.
- Duty-free storage in Switzerland – secure, independent and tax-optimised.
- 24/7 access to your own storage space.
- Availability: Delivery or sale possible at any time.
- Long-term wealth creation with real silver exclusively in LBMA-certified quality.
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
Holger Köppl
Managing Director of Elementum Deutschland GmbH
Managing Director of Elementum Gold GmbH
Holger Köppl began his long career in the financial sector with traditional training as a bank clerk at the Genossenschaftliche Zentralbank in Stuttgart. After several years as a corporate customer advisor and credit expert, he took over the credit department at Volksbank Bad Mergentheim eG, where he also played a key role in restructuring the bank during a difficult phase. From 2011, he held a management position at VR-Bank Asperg-Markgröningen eG before being appointed authorized signatory and head of the property developers and local authorities division at VR-Bank Ludwigsburg eG following the merger. His extensive professional training, including qualifications as a banking specialist and graduate in banking management, as well as his work as an auditor at the Chamber of Industry and Commerce, underscore his expertise in the banking industry. In addition to his professional career, Mr. Köppl has always been active with his own consulting firm in the field of corporate restructuring.
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Disclaimer: 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. Image source: Facebook
