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Portfolio Optimization Tool

Gold Allocation Calculator

Calculate your optimal gold percentage based on your age, risk tolerance, and investment goals.

Personal Information

255080
Retiring Now20 years40 years

Risk Tolerance

Balance between growth and protection

Investment Goal

Concern Levels

Low ConcernHigh Concern
Low ConcernHigh Concern

Recommended Gold Allocation

12.8%
Gold Value$64,000
Risk ProfileBalanced-Protective

Portfolio Breakdown

12.8%
Gold
Gold 12.8%
$64k
Stocks 55%
$275k
Bonds 27%
$135k
Cash 5%
$25k

Why This Allocation?

  • Approaching retirement age, a moderate gold allocation provides protection while maintaining growth potential.
  • A decade until retirement calls for balanced protection and growth opportunities.
  • Gold's low correlation to stocks provides portfolio insurance during market downturns.

Compare to Famous Portfolios

Ray Dalio's All-Weather

Designed to perform in any economic environment

7.5%
Gold
Your gold: 12.8%+5.3% more

Harry Browne's Permanent Portfolio

Equal parts for maximum crisis protection

25%
Gold
Your gold: 12.8%12.2% less

Get Your Personalized Gold Allocation

While this calculator provides general guidance, your optimal gold allocation depends on your complete financial picture. Speak with a Gold IRA specialist who can analyze your specific situation and help you implement the right strategy.

RECOMMENDED

Get your personalized gold allocation - speak with an expert who can analyze your complete retirement picture and recommend the right strategy for your goals.

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Understanding Gold Allocation

Why Include Gold in Your Portfolio?

Gold serves multiple purposes in a retirement portfolio: it acts as a hedge against inflation, provides protection during market crashes, and offers true diversification since it's not correlated with stocks or bonds.

Most financial experts recommend holding 5-15% of your portfolio in gold, though this varies based on individual circumstances. The key is finding the right balance for your specific situation.

Factors Affecting Optimal Allocation

  • Age: Closer to retirement typically warrants more protection
  • Risk Tolerance: Conservative investors may prefer higher gold allocations
  • Economic Outlook: Concerns about inflation or market volatility support higher gold exposure
  • Other Assets: Real estate, pensions, and Social Security affect how much portfolio protection you need

Historical Performance

During 2008 Financial Crisis

  • S&P 500: -37%
  • Gold: +5.5%
  • Bonds: +5.2%

During 2020 COVID Crash

  • S&P 500: -34% (Feb-Mar)
  • Gold: +3.5% (Feb-Mar)
  • Full Year Gold: +25%
OUR #1 RECOMMENDATION

Found Your Optimal Gold Allocation?

Learn how Augusta Precious Metals can help you add the right amount of gold to your retirement portfolio.

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