How to Invest in Gold TheStreet 5/6/2021 It's never too late to invest in gold, no matter the gold price. Whenever you buy gold, the first rule of thumb is dollar-cost averaging -- putting a fixed amount of money towards gold every month regardless of the price. For the average investor, this strategy spreads risk out over time and lessens the downside. Most money managers advocate anywhere from 3%-10% in gold. More bullish managers recommend an allocation as high as 20%. Gold is protection, insurance against inflation, currency debasement, and global uncertainty. Here are four ways you can invest. 1. Gold Bullion Buy physical gold at various prices: coins, bars and jewelry. Some of the most popular gold coins are American Buffalo, American Eagle and St. Gauden's. You can store gold in bank safety deposit boxes or in your home. You can also buy and sell gold at your local jeweler's. Other companies like Kitco.com allow you to store gold with them as well as trade the metal.