How Much Gold Should I Have in My Portfolio? (2025)

With markets still unpredictable and inflation impacting real returns, more investors in the UK are turning to physical gold. But the question remains: how much gold is right for me?

What the experts say

According to the World Gold Council and various financial planners, a balanced portfolio should hold between 2% and 10% in gold, depending on your risk appetite and goals.

• 2–5% is often recommended for cautious investors as a safety net.

• 5–10% suits those looking for greater diversification and protection against volatility.

Factors to consider

• Your existing asset mix: If you’re heavily invested in shares or property, gold can act as a stabiliser.

• Your investment timeline: Gold works best as a medium- to long-term hold.

• Your attitude to risk: Gold offers security, not fast growth. It’s about wealth preservation.

Physical vs paper gold

While ETFs and gold-backed funds offer exposure, owning physical bullion gives you real security — no counterparty risk, no reliance on digital systems.

It’s a tangible asset you control entirely.

Final thoughts

There’s no one-size-fits-all answer. But with the right guidance, you can strike the perfect balance and let gold do what it does best: protect your wealth for the long haul.

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