economy
January 23, 2026
Gold is at an all-time high—here's the best way to own it, according to financial experts
The optimal way to own gold depends largely upon your reason for buying, investing pros say.
TL;DR
- Gold prices have surged, exceeding $4,900 an ounce, marking a historic runup.
- Gold is considered a safe haven asset, attracting investors during economic and geopolitical instability.
- Factors contributing to gold's rise include federal investigations, military operations, and trade disputes.
- Investors can own gold physically (coins, bars) or through paper investments (ETFs, mutual funds).
- Physical gold offers sovereignty and direct access but incurs premiums, storage costs, and liquidity challenges.
- Paper gold, via ETFs or mutual funds, is generally easier to trade and manage.
- Gold serves as a portfolio diversifier due to its historical non-correlation with stocks and bonds.
- Gold can provide stability during market volatility and currency devaluation, as seen in past market downturns.
- Experts recommend keeping gold as a small portion of a diversified portfolio because it does not generate income.
- Consulting a financial professional is advised before making portfolio changes.
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