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How Much Gold Should You Own at 25, 45, or 65?

Four hourglasses with gold sand representing gold investment by age, from long time horizon to short

How much gold should you own at 25, 45, or 65? The right allocation isn’t a fixed percentage. It moves with your time horizon, income needs, and volatility tolerance, and this decade-by-decade framework shows you how, using the same models Morgan Stanley and Bridgewater actually rely on.

Two Investors Ran the Debt Math Separately. Both Landed on 15% Gold.

Dalio gold allocation strategy shown as a large stack of gold bars next to a small stack of coins, representing a 15% core gold position versus a smaller satellite asset

Ray Dalio’s August 21 post cited an $11 trillion debt-service figure behind his call to hold 10-15% of a portfolio in gold. Days later, gold-app CEO David McAlvany independently reached a strikingly similar conclusion — and neither man sizes bitcoin anywhere close to gold.

How Central Banks Decide How Much Gold to Hold

A 1,000g gold bar being weighed on a precision analytical scale, representing central bank gold allocation and reserve management processes

The World Gold Council’s 2026 survey asked 76 central banks how they decide how much gold to hold. The answer comes down to three objectives: safety, liquidity, and return — in that order. Here’s what that framework looks like in practice, why a record 45% of central banks plan to increase their allocation this year, and why the same logic applies to individual investors.

Gold Portfolio Allocation: Why Wall Street Is Rewriting the 60/40

Gold portfolio allocation shift: handwritten notepad showing 60/40 crossed out and replaced with 60/20/20

For forty years, the 60/40 portfolio was the default prescription for the serious investor. That model worked because stocks and bonds moved in opposite directions when markets got scared. That relationship is broken — and the institutions that built trillion-dollar businesses on it are now replacing bonds with gold.

Mary

Samantha is wonderful. I was nervous about spending a chunk of money. I asked her to `hold my hand’ and walk me through making my purchase.  
She laughed and guided me through, step by step. She was so helpful in explaining everything... 

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Travis was amazing! I was having difficulty with a wire transfer of my life’s savings, and I was very worried that I might not be able to receive it all. My husband just passed away and I’ve been worried about these funds along with grieving for 8 months. As soon as I got connected with Travis, my concerns were immediately addressed and he put me at ease. The issue was resolved within days. He even called me back with updates to keep me in the loop about what was going on with the funds. I am so grateful for a customer representative like Travis. He really cares for his clients.

Sam was also very helpful! I called and was connected to Sam within 30 seconds. She helped me with a fee that was charged to my account. She had a great attitude and took care of the fee quickly.

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