Flexible
The build-up can use monthly contributions; after contract creation, the depot remains individually usable.
Precious-metal depots
Premium Elements 4.0 and Premium Elements 4.0 Junior
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.
Bank and custody structure
With a regulated German private bank in the background.
Sutor Bank has been awarded “Outstanding Wealth Management” for the thirteenth consecutive time in the bank test by Focus Money and the news channel n-tv.
Founded in Hamburg in 1921, Sutor Bank 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 stored in vaults of internationally recognised security-storage providers: gold in Germany, silver, platinum and palladium in a bonded warehouse in Switzerland. The holdings are adequately insured.
Benefits
The key benefits at a glance.
Premium Elements 4.0 combines a tangible-asset focus with an organised process for purchase, custody and later disposal.
Tax perspective
For private assets, special rules for private disposal transactions may apply after the statutory holding period.
Inflation-aware
Precious metals are real assets and can complement monetary assets over the long term.
Convenient
Purchase, custody and overview follow a structured process without requiring private bar storage.
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 allocation is discussed.
Highlights
Individual precious-metal depot with automated processes.
- Choice of gold, silver, platinum and palladium.
- Regular acquisition at the prevailing conditions.
- Professional custody instead of private storage.
- Online visibility of holdings and transactions.
- Later sale or physical delivery subject to the contract terms.
Ways to invest
This is how getting started can look.
Build monthly
For people who want to build assets step by step and spread price fluctuations over time.
Use individually
After contract creation, the depot can be used individually for further steps within the applicable terms.
For the next generation
A tangible-asset component can be built early for children and young people with a long-term focus.
Gold, silver, platinum, palladium
The allocation is chosen around your objective.
Premium Elements 4.0 is not a gold-only product. The depot can combine different precious metals, bringing together traditional value storage, industrial demand and personal risk tolerance.
Review frequent questions
Process
From video to a clear decision.
The advisory video first explains the product, depot structure and process. Afterwards, only the objective, timeframe, budget, risk understanding, metal allocation and completion documents need to be clarified.
Clarify the goal
Children, home ownership, retirement, reserves or asset structure.
Choose the depot model
Savings plan, Junior option and individual depot use.
Prepare documents
Identity check, income documents and application following an individual review.
Next step
Ready after watching the video?
Use the form for remaining questions or completion preparation. Please have your ID card and a payslip ready.