Emergency Fund Case

Emergency Reserve Case: Real Money for the Worst Case, Ready at Hand in an Aluminum Case

An emergency reserve is money you hopefully never need. But if you do, it has to be there instantly. That is exactly why we put together the Emergency Reserve Case: ten small bars of gold and silver from Heimerle + Meule, each individually mounted on a Kettner Crisis Protection Card, securely stored in a small silver aluminum case. Together, that comes to 4.93 grams of fine weight, consisting of 0.93 g fine gold and 4 g fine silver. The denominations are so small that you remain flexible to use them in everyday life.

Gold is humanity's oldest currency. It has outlived every paper currency that has ever circulated alongside it. That's why the cards simply state: "Real money, for 6,000 years."

The Contents in Detail

All bars carry the hallmark of Heimerle + Meule and come from the Kettner Edelmetalle edition. Here's what's inside the case:

• 3 x 0.1 g gold bars Heimerle + Meule, fine gold 999.9
• 2 x 1/200 ounce gold bars (approx. 0.16 g each), fine gold 999.9
• 1 x 1/100 ounce gold bar (approx. 0.31 g), fine gold 999.9
• 4 x 1 g silver bars Heimerle + Meule, fine silver 999.9
• 1 x aluminum case for Crisis Protection Cards

Each bar sits on its own black-and-gold card in credit card format with RFID-blocking functionality. The card protects the precious metal from scratches and fingerprints. As an added benefit, it also shields your contactless bank and credit cards when carried in your wallet. This gives you ten cards with ten individual values that you can use independently of one another.

When Cash and Cards Fail

A power outage, disrupted payment systems, empty ATMs: in a crisis, digital transactions are often the first thing to stop working. And even cash quickly loses purchasing power during high inflation. Anyone who wants to be well prepared therefore sets aside, alongside water, supplies, and a flashlight, a medium of exchange that works entirely without a bank or network. Physical gold and silver have fulfilled this role for thousands of years — reliably and recognized worldwide.

Why Small Denominations in Particular?

A gold coin such as the one-ounce Vienna Philharmonic is an excellent store of value. As an everyday means of payment, however, it is simply too valuable, since no one will give you change for a whole ounce after your weekly grocery shopping. With small gold bars and silver bars, on the other hand, you can pay exactly the amount you need. That is why the Emergency Reserve Case is deliberately graduated:

1. Silver for small amounts: The four 1 g silver bars cover the lowest values and are ideal for everyday bartering.
2. 0.1 g and 1/200 ounce gold for medium needs: Barely larger than a fingernail, but already a noticeable value.
3. 1/100 ounce gold as the largest unit: The reserve in the case for larger expenses.

A look back at history shows what this looked like in practice. In autumn 1923, at the height of hyperinflation, people in Germany once again calculated in gold. On 19 November 1923, one kilogram of rye bread in Berlin cost around 233 billion marks. Converted into gold, that was only 39 gold pfennig — barely more than the 28 pfennig it cost before the war. The stable-value emergency currency of the time, worth 0.42 gold marks, corresponded mathematically to roughly 0.15 grams of fine gold. A 1/200 ounce bar, containing around 0.16 g, holds only slightly more.

Paper money promises value. Gold has it. Nothing has changed about that in 6,000 years.

Heimerle + Meule: Quality from the City of Gold, Pforzheim

The bars are manufactured by Heimerle + Meule. The gold and silver refinery was founded in Pforzheim in 1845 and is the oldest in Germany. Since 3 June 2014, the company has been listed on the Good Delivery List of the London Bullion Market Association (LBMA). On the gold bars you will find the company's hallmarks:

• the founder's mark above the year 1845 as the company's emblem
• the inscription "FINE GOLD 999.9" and the weight
• the stamp "melter assayer"

These markings are well known among dealers and easy to recognize. This is an important advantage if you wish to exchange or sell your precious metals at a later date.

The Case: Order, Protection, and Discretion

The small aluminum case is tailored to fit the Crisis Protection Cards. In the product images, you can see the brushed aluminum finish, the gray interior lining, a sturdy carrying handle, and two combination locks. This way, all cards are kept organized and protected in one place — whether in a drawer, a safe, or your emergency bag. When storing at home, choosing a discreet location further increases security.

Advantages and Trade-offs at a Glance

• Flexible: Fine denominations, gold and silver combined, each bar individually protected and individually usable.
• Ideal for getting started: A good first step into crisis preparedness with gold and silver, and a thoughtful gift for family and children.
• Worth considering: Calculated per gram, the premium on very small bars is naturally higher than on a 1-ounce bar or large silver coins. In exchange, you gain a flexibility that larger units cannot offer.
• Tax treatment: The gold bars qualify as investment gold and are exempt from VAT within the EU. The silver bars are subject to standard VAT. Profits from the sale of physical precious metals in Germany are generally exempt from income tax after a holding period of more than one year.

Who Is the Emergency Reserve Case Suited For?

For anyone who doesn't want their entire wealth sitting in a bank account. For beginners who want to hold physical precious metals in their hands for the first time. And for anyone looking for an emergency reserve built for inflation and crises. Gold and silver you can touch, in a case that shows: someone here has planned ahead.

Secure your Emergency Reserve Case from Kettner Edelmetalle now and lay the foundation for your personal crisis protection.