Gold 2026 Outlook: Here’s What the Experts Are Predicting
Gold investors have enjoyed a strong 2025, with the precious metal rising more than 60% over the past year. What is in store for 2026?
Strategists from Goldman Sachs, JPMorgan Chase and other major financial institutions have provided information on where the price of the precious metal will enter in 2026. Here’s what you need to know.
Gold overview and price predictions
Gold started 2025 above $2,600 before rising to above $4,000 per ounce. Reliance on gold from central banks and uncertainty about taxes have been two factors that have helped boost the price of gold.
Many financial institutions are determined to see where the price of gold will go in 2026. Yardeni Research has set its gold price target at $6,000 per ounce. The research team of JP Morgan Chase expects gold to be $5,055 in the last quarter of 2026. HSBC says gold could reach $5,000 in the first half of 2026. Goldman Sachs predicts a price of $4,900 for gold while Morgan Stanley says it could reach $4,800 in the final quarter of the year. Deutsche Bank says gold could rise to $4,950, with a base of $4,450.
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Distribution of gold to retirees
Most financial advisors recommend that you don’t put more than 5% to 10% of your total portfolio in gold. A precious metal can reduce risk through diversification and help against inflation, but it does not generate income and its prices can fluctuate.
The right allocation also depends on your time frame. For example, gold may perform better in a portfolio if an investor can leave it untouched for at least five years. However, if you have immediate cash needs, gold should not make up a large part of your portfolio. It’s best to avoid gold if it means using your extra cash to pay off high-interest loans or build your emergency fund.
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How to buy gold
Many people consider buying physical gold, such as coins and bars. While doing so is certainly an option, investors need to consider storage and insurance – and the costs that come with that.
You may be able to save money and take some of the complexity out of gold investing by buying shares of gold exchange-traded funds (ETFs). These funds give investors exposure to gold without having to worry about storage and insurance costs, and often come with low expense ratios.
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Gold retirement accounts (IRAs) are another option for people who want to accumulate precious metals while enjoying tax benefits. However, these IRAs can come with high fees and strict rules defined by the IRS. You cannot keep physical gold for a gold IRA at home.
If you’re not sure if owning gold makes sense for you, talk to a financial advisor who can give you suggestions about where gold should and shouldn’t fit into your financial plans. And remember, price predictions about gold are just estimates. The price of precious metal can fluctuate, and it is important to be strategic when investing, not speculative.
