This is where we buy gold and silver. Storage costs you nothing.
In short: Michael Jung buys physical gold and silver for his clients through NOVEM Gold in Linz, Austria. The metal belongs to you, is kept insured in a vault, and according to the provider storage costs nothing. You can start with small amounts, once or every month.
Partner link: you open your account directly with NOVEM, and according to the provider the app is free of charge. Through the link, NOVEM assigns you to Michael Jung as your contact person.
Updated on · Michael Jung, Broker specialising in tangible assets
What you get
Real metal. No storage fee.
€0
Free storage
With a dealer's depot you pay for safekeeping every year. According to the provider, that fee does not apply here.
from €50
Small amounts
You do not have to wait until a whole bar is affordable. You buy gram by gram, also as a monthly savings plan.
96 hours
Back at any time
Sell it or have it delivered to your home: you decide what happens to your metal.
The provider is Novem Gold Storage GmbH, Bismarckstraße 4, 4020 Linz, Austria. You buy and store there; Michael Jung is your contact person.
A dealer's depot costs €200 to €300 a year. Over 20 years that is €4,000 to €6,000. Here you pay nothing for it.
Dealer storage costs according to GOLD.DE, storage at NOVEM Gold according to the provider.
Gold pension calculator
What do you need for €1,000 more pension?
Set your desired pension and your years. The calculator shows three scenarios side by side, because nobody knows how gold will perform.
For your gold to pay €1,000 a month for 20 years, you need gold worth €240,000 when your pension starts.
How would you like to invest?
Gold stays where it is
No growth in value. You are only saving.
€1,340 a month
Gold keeps its purchasing power
Grows as fast as the ECB's inflation target.
€1,150 a month
As since 1999
Average of gold in euros. The past, no guarantee.
€630 a month
Your figure: €1,000 more pension in 15 years. For that you save €630 to €1,340 a month, depending on the scenario.
Michael Jung is happy to go through this calculation with your own figures.+49 170 7676706Free of charge, no appointment needed. Consultations in German and English.
A model calculation, not a promise and not investment advice. The gold price fluctuates and can fall for years. Without premium, taxes and inflation: the same pension will buy less later than it does today. In the payout phase the gold is sold bit by bit; there we assume no further growth.
How it works
Three steps, one contact person.
01
Conversation
You work out with Michael Jung how much gold and silver suits you, and calculate your pension.
02
Account in the app
You open your gold account free of charge via the link below. Michael Jung helps you with it.
03
Buy and keep
You buy once or every month. In the app you can see at any time what belongs to you.
Partner link: you open your account directly with NOVEM, and according to the provider the app is free of charge. Through the link, NOVEM assigns you to Michael Jung as your contact person.
In brief
Short answers.
Does the gold really belong to me?
Yes. According to the provider, the metal is legally your property and allocated to you. You can see your holdings in the app and have the metal delivered to your home.
What does buying cost me?
According to the provider, storage costs nothing. When you buy, you pay a premium on the pure metal value, as with any dealer. Silver carries VAT, investment gold does not. Michael Jung tells you the price before you buy.
Is this a safe pension?
No, there is no promise. Gold pays no interest, its price fluctuates and can fall for years. That is why the calculator shows three scenarios. Gold is one building block among others, not a replacement for your state pension.
Read on
More about your wealth. Short, with sources.
Asset protection
Five things about money that almost everyone believes.
Bank, inflation, insurance, the state and inheritance, fact-checked with law and source.
Read more
Bank failure & deposit protection
From the 100,001st euro, you have no legal claim.
The Volksbank Brawo case, bail-in, and how much of your balance is protected.
Read more
Inheritance tax 2026
Your tax-free allowance has been frozen since 2009.
What the court in Karlsruhe reviews in October, and how much tax your heirs would pay.
Read more
Life insurance
Guaranteed does not mean untouchable.
§ 314 VAG, § 222 VAG and a protection fund of one per mille. With a benefit-cut calculator.
Read more
Wealth levy
The Lastenausgleich is history. The article in the constitution is not.
What really happened in 1952, what the DGB is demanding in 2026, and what both have to do with you.
Read more
Inflation & purchasing power
Two percent sounds harmless. After twenty years, it is a third.
What is left of your savings in 5 to 30 years, with interest taken into account.
Read more
Gold & silver
Gold belongs to you. It is still not free.
Premium, spread and storage costs set out openly, including the point at which you break even.
Read more
Property in Florida
A house in Florida. First the big picture, then the details.
Property in US dollars · newly built in the north of Cape Coral · costs, taxes and renting at a glance.
Read more
US company
Your own company in the USA. A foothold outside Germany.
Registered online, with an account in dollars. With a step-by-step roadmap and the real costs.
Read more
US account
250,000 dollars protected instead of 100,000 euros.
What US deposit insurance covers, how much of your savings would be protected and how the appointment in Florida works.
Read more
Deposit protection calculator
How much of your money is really protected?
Several banks, joint accounts and the six-month case, calculated in one go. Result as a link or on paper.
Read more
Inheritance tax calculator
What will your heirs keep?
All heirs with their shares, and the family home you live in. Result as a link or on paper.
Read more
Written and reviewed by
Michael Jung
Broker specialising in tangible assets · Insurance broker
- 1996Certified Insurance Specialist (Geprüfter Versicherungskaufmann, IHK)
- 2003Certified Finance Specialist (Geprüfter Finanzwirt, bbw)
- 2005Master Consultant in Finance
- 2016–17Senior Consultant, precious metals advisor (Edelmetallberater, GG-Akademie Berlin)
- 2021Certified under DIN 77230, the German standard for financial analysis (DEFINO)
- 2023Florida Premium Real Estate certification
Insurance broker licensed under § 34d GewO · German register of intermediaries D-5D7P-3694H-28 · Last reviewed on
Free initial consultation
How much gold does your pension need?
Michael Jung works it out with you and sets everything up with you. Free of charge and without obligation, in German or English.
Consultations in German and English.