Investieren Sie in physisches Gold und Silber – zwei Edelmetalle mit begrenzter Verfügbarkeit, weltweiter Nachfrage und langfristigem Wertsteigerungspotenzial.
€100,000
Minimum Investment
Five
Variants from 20 to 100% Gold Allocation
No
Performance-Based Fee
Vaduz
Managed in Liechtenstein, held at Liechtensteinische Landesbank
Gold and silver have been utilized as a store of value for millennia. Their natural scarcity and global demand establish them as a distinct asset class. Unlike stocks or bonds, precious metals are not directly dependent on the economic development of individual companies.
With Asset Protect, you invest specifically in gold and silver. The gold is physically held in custody at Liechtensteinische Landesbank, is insured, and allocated to your personal custody account. Delivery is also possible upon request. Silver is represented via a physically backed ETF, the holdings of which are stored in Switzerland.
Precious metals do not generate ongoing income such as interest or dividends. However, their prices can increase over the long term and are influenced, among other factors, by supply and demand, currency developments, as well as economic and geopolitical factors. Concurrently, significant price fluctuations may occur.
Asset Protect can be utilized as a standalone investment solution or combined with Modern Value and Best of Funds. This expands your portfolio with an asset class that is subject to different influencing factors than stocks and bonds.
01
Gold bars, which are purchased and held at the Liechtensteinische Landesbank. Your custody account is maintained in your name, and the storage is insured. Upon request, the gold can also be physically delivered to you.
02
The investment is conducted via a physically backed silver ETF in Swiss Francs. The silver holdings are stored in Switzerland. In addition to its significance as a precious metal, silver is also used industrially, including in the solar industry, electronics, and medical technology.
03
At least five percent of the portfolio is held as a liquidity reserve in Swiss Francs. This serves to cover ongoing fees and enables additional investments if required.
Die Gewichtung der einzelnen Bestandteile legen Sie selbst fest.
Asset Protect 60 means: sixty percent of the portfolio is held in gold, the remainder in silver. A small portion is maintained as a liquidity reserve in Swiss francs. All five variants contain the same components.
Asset Protect 20
20% Gold · 75% Silver · 5% Swiss Francs
The focus is on silver and its industrial demand.
Asset Protect 40
40% Gold · 55% Silver · 5% Swiss Francs
Silver forms the larger portion of the portfolio, complemented by a substantial gold position.
Asset Protect 60
60% Gold · 35% Silver · 5% Swiss Francs
A combination of both precious metals with a slight emphasis on gold.
Asset Protect 80
80% Gold · 15% Silver · 5% Swiss Francs
Gold forms the focus of the portfolio. Silver complements the investment and offers additional opportunities through its industrial use.
Asset Protect 100
95% Gold · 0% Silver · 5% Swiss Francs
The entire investment is allocated to gold. The performance is thus exclusively dependent on the price of gold.
We will clarify which variation suits you best in a consultation – or you can open your account directly online – a short questionnaire will suggest a suitable variation for you.
What cannot be multiplied at will can gain value in the long term.
Your account and custody account are held in your name at Liechtensteinische Landesbank. The traditional bank was founded in 1861 and looks back on over 90 consecutive fiscal years without loss.
The custody of the bars and their insurance are included in the custody fees. No separate storage fee is added.
You can have the gold delivered to you instead of keeping it in the custody account. The costs depend on the quantity and transport route.
At Estably, you have personal contacts who are familiar with your investment strategy and will assist you with any questions. You can reach us Monday through Friday via a direct phone number.
Via the Estably Dashboard, you can at any time track the composition and performance of your portfolio and view your investments. Additionally, you will annually receive your tax documents.
There is no minimum term and no notice period.
The five variants differ in the weighting of gold and silver. As the prices of the two precious metals develop differently, various value developments result depending on the composition. The graphic illustrates how these differences have manifested over time.
Return per Calendar Year
VARIANT
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
avg. p.a.
since inception
Asset Protect 20
17,37 %
0,17 %
−6.90%
15,77 %
29,34 %
−6.70%
4,13 %
−4.28%
29,16 %
102,75 %
−12.38%
12,35 %
249,70 %
Asset Protect 40
16,04 %
−0.17%
−4.28%
17,03 %
26,04 %
−3.95%
4,77 %
−0.62%
30,53 %
85,77 %
−9.05%
12,68 %
260,73 %
Asset Protect 60
14,57 %
−0.52%
−1.64%
18,22 %
22,16 %
−1.21%
5,30 %
3,05 %
31,77 %
69,44 %
−5.76%
12,80 %
265,17 %
Asset Protect 80
12,95 %
−0.90%
1,03 %
19,35 %
17,76 %
1,51 %
5,72 %
6,74 %
32,85 %
53,78 %
−2.51%
12,73 %
262,61 %
Asset Protect 100
11,49 %
−1.15%
3,13 %
20,08 %
14,09 %
3,63 %
5,92 %
9,42 %
33,62 %
42,49 %
−0.09%
12,54 %
256,03 %
Year-end values of Estably model portfolios Asset Protect 20 to 100, based on €100,000 in January 2016, as of September 30, 2026. Values prior to October 2025 are based on back-calculations. "ø p.a." is the annualized return over the entire period, not the average of the annual values. 2026 includes January to September. Figures before costs and taxes; after costs, the result is correspondingly lower. Past performance is not a reliable indicator of future results. Data source: Estably.
The management fee is based on the invested amount. We do not receive any commissions or rebates from product providers.
Management fee p.a.
In addition
0.30% custody fees. This covers account and custody account management, transaction costs, storage and insurance of the bars, and the annual tax report for private clients.
Performance-based
None.
Bei Asset Protect fällt keine erfolgsabhängige Gebühr an.
Gold and silver can contribute to the diversification and long-term preservation of assets. Nevertheless, precious metals are also subject to significant price fluctuations. Investors should therefore consider that the value of their investment may fall below the original investment amount over longer periods.
No ongoing income. Gold and silver generate neither interest nor dividends. The ongoing administration and custody fees must therefore be covered from the existing assets.
Price fluctuations in gold and silver. The prices of both precious metals can fluctuate significantly. Due to its industrial use, silver additionally reacts to economic developments and often exhibits stronger price fluctuations than gold.
Longer periods of loss. Even over several years, precious metals can lose value or trade below previous highs. Positive value development is not guaranteed, even with a long-term investment horizon.
Currency risks. Gold and silver are predominantly traded internationally in US dollars. Exchange rate fluctuations can therefore have a positive or negative impact on performance in euros.
Tax treatment. Taxation depends on your country of tax residence and the respective investment form. Different tax regulations may apply to physical gold than to a silver ETF.
Do I really own the gold?
Yes. The gold bars are held at the Liechtensteinische Landesbank and assigned to your personal custody account. They are held separately from the bank's own assets. Thus, your gold holdings are fundamentally protected even in the event of the insolvency of the custodian bank.
Can I have the bars delivered?
Yes, upon request, you can have your gold bars physically delivered. Silver, on the other hand, is held via a physically backed ETF. A direct delivery of the silver holdings is therefore not provided for.
Why include silver at all?
Silver is not only valued as a precious metal but is also used in numerous industrial applications. As a result, its price development is partially subject to different influencing factors than gold. Silver often exhibits stronger price fluctuations, but thereby also offers additional opportunities for value appreciation. You decide for yourself how to weight both precious metals.
Can I change the variant later?
Yes, you can adjust the weighting of gold and silver. We undertake the necessary reallocations within the scope of your asset management mandate.
How quickly can I access my money?
You can initiate a withdrawal from your custody account at any time. For this purpose, the corresponding positions will be sold, and the proceeds will be credited to your LLB account. Subsequently, you can transfer the amount to your personal bank account via LLB Online Banking.
We would be happy to discuss this with you personally. Or you can open your portfolio directly online – a short questionnaire will suggest a suitable variant for you.
