How Much Gold Should You Own in 2025? Use Our Calculator First
Gold. It has marked prosperity throughout several millennia - between kings, or civilizations, or even cryptocurrencies attempting to overthrow it.
If you’ve been wondering “Should I buy gold now? And how much?”, you’re not alone. The World Gold Council reported that the retail gold consumption in Singapore increased by 18 per cent in 2024, as more HNWIs and even young professionals diversified their portfolios with gold.
The thing is that having too little of it may simply be pointless in your portfolio. Having excess assets might restrain your growth in other assets.
How do you therefore draw the line? We are going to take you through it, and even give you a way to estimate your optimal allocation to gold using our Gold ROI Calculator.
Why Gold Still Matters in 2025
Global uncertainty has never been a worse friend of gold, and 2025 is not the different case.
With a drop in interest rates, a slowdown in global growth and geopolitical issues, gold remains to be:
A store of value: It has outlasted every currency.
A hedge against inflation: When currencies lose buying power, gold retains it.
A diversification tool: It often moves differently than stocks or property.
As per 2020-2024 data, gold has returned an average of 6-8 percent annually, and noticeable jumps occur in turbulent years.
How Much Gold Should You Own?
Financial advisors suggest that you hold 5 to 15 percent of your portfolio in gold depending on your risk tolerance and other assets.
Here’s a simple breakdown:
5% allocation: For balanced investors with diversified equity and property holdings.
10% allocation: For those anticipating volatility or holding high-risk assets.
15% allocation: For ultra-conservative investors or as part of legacy wealth preservation.
Tip: Try our Gold ROI Calculator to calculate possible scenario in terms of allocations- depending on your portfolio size and risk profile, as well as time horizon.
Real Story: Why Mr. Tan Increased His Gold Allocation
Mr. Tan was a 52-year-old business owner whose portfolio invested in gold constituted only 3%.
He reevaluated his diversification plan after his earnings from property rentals were affected by COVID-19.
He leveraged a financial introducer and bumped the gold percentage to 12%- with a combination of physical bullion and digital gold accounts.
When equity markets plateaued in the year 2024, his gold exposure grew by 11 percent during that time when he needed that comfort the most.
How to Buy Gold in Singapore (Without Overpaying)
In Singapore, you have several ways to purchase gold:
Physical bullion & coins (ideal for long-term holding, but requires secure storage)
Digital gold accounts (convenient and liquid, often tradable 24/7)
Gold-linked investment products (for those seeking indirect exposure)
Important: Pricing, spread and storage prices differ. Introducers will assist you in comparing across providers- this will help you to get the best prices and safe storage.
Should You Buy Physical or Digital Gold in 2025?
Physical gold: Best for legacy and wealth preservation. Tangible, immune to platform risk.
Digital gold: Best for liquidity and smaller allocations. Easily tradable and fractional.
Many Singaporean investors now choose a hybrid approach—splitting allocation between physical and digital for flexibility.
What’s Next for Gold Prices in 2025-2026?
Analysts forecast gold may stay in the USD $2,000–$2,300 range, with potential upside if inflation picks up or geopolitical tensions escalate.
That said, gold should be viewed as a long-term hedge, not a short-term speculation.
Final Thoughts: Make Gold Work for You
Gold is more than just a shiny asset—it’s insurance for your wealth.
But owning it strategically matters just as much as owning it at all.
At Ascendant Globalcredit Group, we help clients structure gold allocations intelligently—whether through physical, digital, or hybrid solutions—so you’re not just holding gold, but holding value.
Ready to calculate your ideal gold allocation?
Try our free Gold ROI Calculator today, or book a consultation to explore tailored strategies.
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Most forecasts suggest gold may trade between USD $2,000–$2,300, with upside if macroeconomic risks intensify.
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Yes—Singapore is one of the safest jurisdictions for buying and storing gold due to tax advantages, political stability, and strong market infrastructure.
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Historically, gold has averaged 6–8% annual returns over the past 5 years, though returns vary year-to-year.
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It depends on your goals. For legacy wealth, physical gold is ideal. For flexibility and liquidity, digital gold is a good option. A mix often works best.