Advisers Urge 5%-15% Gold Holdings as Central Banks Bought 1,200 Tons in 2025
Updated
Updated · Wealth Management · Jul 17
Advisers Urge 5%-15% Gold Holdings as Central Banks Bought 1,200 Tons in 2025
2 articles · Updated · Wealth Management · Jul 17
Summary
A growing number of financial advisers now recommend putting 5% to 15% of portfolios into gold, with Troy Asset Management typically holding about 10% and Ray Dalio arguing for as much as 15%.
US debt above 120% of GDP and debt loads at or above 100% in several Western economies are driving demand for gold as protection against currency debasement, inflation and fiscal stress.
Central banks have reinforced that case by buying a record 1,200 metric tons in 2025 and another 250 tons in the first quarter of 2026, even as retail investors have sold some holdings.
Gold has fallen about 19% over the past five months to $3,983 an ounce, but it has still outperformed US stocks since 2000 and gained nearly 122% over five years.
For investors acting on that view, advisers point to physical bullion for crisis insurance, low-cost gold ETFs for convenience, and miners or mining funds for higher-risk exposure.