Latest news with #inflationhedge
CBS News
15-05-2025
- Business
- CBS News
How often should I invest in gold?
The timeline for investing in gold varies based on multiple considerations. Getty Images/iStockphoto Gold investing has moved into the spotlight in recent years thanks to a combination of factors. With the need for a hedge against inflation elevated, many turned to the precious metal for its inherent ability to maintain and often rise in value during such periods. Investing in gold then hit an 11-year high in 2023. The price of the metal also surged during this period, rising to more than $3,400 per ounce in April – up dramatically from the $2,063.73 price point it started at in early 2024. This has made gold not only a smart way to protect against inflation and diversify an otherwise static portfolio but it's also offered investors a rare opportunity to buy and sell gold for a quick profit, as the metal is traditionally more well-known as an income protector versus a producer. That said, gold doesn't operate in the same way traditional assets do. So, a traditional approach to the metal simply won't work as intended. To this end, it helps for investors to know how much gold to buy each year. And, more granularly, how often to invest in the metal. Below, we'll break down what to consider now. Start protecting your portfolio with gold here. How often should I invest in gold? A gold investment isn't something you should or shouldn't do based on a particular cadence. In other words, investing in a certain amount on a weekly, monthly or even annual basis is typically not the right approach. Instead, investors should view gold more broadly as a small but critical component of their portfolio. The conventional wisdom is that gold shouldn't make up more than 10% of your overall portfolio. But, for some investors, that percentage could be under 5%, while, for others, it could be closer to the 10% threshold. It depends on the investor profile, as gold can typically be advantageous for investors of many ages and backgrounds. How often you should invest, then, is determined by how much money you have to invest and how those investments will be spread out over time to get to that 10% maximum. For some, that may mean getting invested all at once. For others, however, it may require incremental investments in the metal over months or even years until they hit that threshold. The details here matter, however. Waiting to get invested in gold is generally not advisable, as over time, the price only increases, accounting for minor drops. Waiting for a cheap time to invest could mean waiting indefinitely. So it makes sense to get started before the price becomes permanently out of reach. On the other hand, for existing investors, it can be tempting to sell parts or even all of your current gold investment, especially now when the profit-earning opportunity is so strong. In these instances, then, you may want to consider the timeline for rebuilding the gold investment portion of your portfolio to make up for its absence. Ultimately, the answer to this question depends on the investor. If you don't have a safe-haven asset like gold in your portfolio, then you should invest in it fairly quickly and frequently until you have the 5% to 10% support many experts recommend. This will not only add the benefits of gold to your portfolio more rapidly, but it will also prevent you from paying more for your gold in the future. Conversely, if you're already invested but want to boost the gold portion of your portfolio, buying more at a slower but more consistent, spread-out timeframe could also work. Only you will know which type of investor you are and, accordingly, what frequency works well for your needs and goals. Get started with gold here now. The bottom line Ultimately, the timeline for investing in gold depends on your specific needs and goals, both immediately and long-term. But a cadence matters less than building up to the recommended threshold. So consider working toward that first, likely in an expedited fashion considering gold's remarkable price surge in recent years. By keeping that portfolio limit in mind, you'll have a clear gold goal in mind and you can start exploring cost-effective ways to get invested in the metal without having to pay today's high price.
CBS News
09-05-2025
- Business
- CBS News
3 gold investments to consider at today's price
We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. Gold bars that weigh less than one ounce could be worth exploring in today's elevated gold price climate. Getty Images/iStockphoto Gold investing has been in the news frequently in recent years. Whether it was due to a surge in investing popularity, a continuously record-breaking price increase or the hedge against inflation it could provide against decades-high inflation, chances are good that you've heard and read about gold investing (and its pros and cons) recently. One ongoing news item in the gold space revolves around its price spike, specifically. Starting 2024 priced at just $2,063.73, the price of gold has soared in the time since and is now priced at $3,338.04 per ounce, a remarkable 61% increase in less than 18 months. There is strong speculation that gold could even hit the $4,000 per-ounce price milestone, should certain economic factors align. While these prices may be discouraging to prospective investors, particularly beginners new to precious metals, they shouldn't be. With such a wide variety of gold investing options available, investors just need to know where to look and what type to choose to secure the inflation-hedging and portfolio-diversifying benefits gold can still provide. Below, we'll examine three gold investments to consider at today's price. Start protecting your portfolio with a portion of gold here now. 3 gold investments to consider at today's price Here are three gold types that will allow investors to benefit from gold without having to pay today's top price to do so: 1-gram gold bars Gold is traditionally priced by the ounce. But if you purchase a smaller amount, then you'll pay less for your gold, even if it means starting with less. With 28 grams in an ounce, investors can buy multiple 1-gram gold bars, for example, without coming close to having to pay the price associated with the higher gold amount. It may not be the preferred amount of gold you'd want in your portfolio, but it does help you get started in the gold market. These bar sizes also tend to come with less costs for insurance and storage that heavier gold investments typically require, offering additional savings to investors. Explore your top physical gold investment options online today. Gold ETFs Gold exchange-traded funds (ETFs) may sound complicated (and expensive), but in reality, they're neither. These are funds traded on stock exchanges that allow investors to invest in gold at amounts much lower than an ounce (think one-tenth or even one-hundredth of an ounce). That said, the physical tangibility of investing in gold bars and coins of similar size will not be available with this option and it may require a more hands-on monitoring of the gold market than you may be comfortable with. So, go into a prospective gold ETF investment process clear-eyed, understanding what it can and can't offer in today's high gold price climate. Fractional gold coins Similar to the other options on this list, fractional gold coins allow investors to get started with gold at an amount less than one troy ounce. This gold type is also worth researching for those investors who prefer to stay with the physical metal. They're affordable, accessible, and, thanks to the lower entry price point, easier to sell should you want to readjust your gold allocations in the future. Just be careful when buying larger quantities, however, as storage and insurance concerns may come into play if there's a lot of physical gold to manage. The bottom line An elevated gold price point doesn't mean investors have to look to alternative assets. With options like 1-gram gold bars, gold ETFs and fractional gold coins, either individually or in combination with one another, investors can still secure the benefits a gold investment has always offered without having to pay today's elevated costs to get it. That said, the traditional gold investing advice of limiting it to 10% or less of your portfolio still applies, even at the lower entry price points. By keeping your gold a limited but vital portion of your overall portfolio, you'll improve your long-term chances of investing success.
