The Gold Portfolio Calculator — How Much Gold Should You Own?

What the Institutions Do

Institutional portfolio managers allocate between 5% and 15% to gold. Ray Dalio's All Weather Portfolio: 7.5% gold. The 5-15% range is large enough to affect performance during gold's strong periods and small enough that underperformance during weak periods doesn't damage the overall portfolio.

The Correlation Argument

Gold's primary value is its low or negative correlation with equities during stress periods. In 2008 financial crisis: gold rose 5% while S&P 500 fell 37%. In March 2020: gold rose 30% over the following eight months. Gold moves independently of equities during crises — portfolio stabiliser and purchasing power preserver.

A Simple Framework

• Under $50,000 investable assets: 5-10% in physical gold. Focus on liquidity — 1oz coins.
• $50,000–$500,000: 10-15% in precious metals, 70% gold / 30% silver. Mix coins and bars. Consider vault storage.
• Over $500,000: 10-20% precious metals. Gold bars for efficiency, allocated vault storage, potentially offshore allocation.

What to Do Now

Take liquid investable assets. Calculate 10%. Build to that target over 6-12 months rather than single purchase. Dollar-cost averaging is more disciplined than timing. Start with SilverGoldBull gold. Related: why physical gold in 2026, bars vs coins, is gold a good investment.