Wealthy individuals don’t just rely on stocks or real estate to protect their fortunes. Many turn to gold as a reliable asset that holds its value across time and economic cycles. Gold offers security, liquidity, and diversification, three things that every smart investor, especially millionaires, looks for.

But how much gold do they actually own? The answer varies, but the consistent theme is that gold plays a deliberate and strategic role in their overall investment plans.

If you're looking to build a portfolio that mirrors the stability and foresight of the wealthy, now is the time to consider physical gold. Explore gold for sale, including Krugerrand coins, and take your first step toward a more resilient financial future.

Why Millionaires Choose Gold

Millionaires understand the importance of protecting their wealth against inflation, currency fluctuations, and market volatility. Gold provides a natural hedge in all of these situations. It’s not just about profit, it’s about preservation.

Unlike stocks or paper-based assets, gold isn’t tied to any single economy or corporation. That independence gives it a unique place in high-net-worth portfolios. Gold's track record during financial crises proves its strength, which is why the wealthy often treat it as insurance rather than just another investment.

Average Allocation to Gold

While there’s no one-size-fits-all number, financial analysts estimate that millionaires typically hold between 5% and 15% of their net worth in gold. Some may own less if they are more aggressive with equities, while others hold more if they value security over growth.

For example, in countries with unstable currencies or high inflation, it's not uncommon for wealthy individuals to allocate 20% or more of their wealth to gold. It’s not just bullion either, many prefer well-known coins like Krugerrands, which are trusted globally and easy to trade.

Krugerrand Coins: A Popular Choice

Krugerrand coins are a favourite among millionaires for a few key reasons. First, they’re made from 22-karat gold and backed by the South African government. Second, they’re highly liquid, meaning they can be sold or exchanged quickly if needed.

These coins are also recognised worldwide, which makes them easier to store, transfer, or pass down as part of estate planning. For high-net-worth individuals who value both form and function, Krugerrands offer an elegant solution that fits well into both safes and portfolios.

Privacy and Control

Unlike many modern investments that require brokers, accounts, or online platforms, gold offers complete control. When you own physical gold, you own a tangible asset that doesn’t rely on third parties. For millionaires concerned about privacy, gold is often a go-to choice.

Whether stored in a private vault, safe deposit box, or secure home setup, gold ownership is discreet. There are no digital footprints, no need for passwords or logins, and no counterparty risks. This level of privacy is rare in today’s financial landscape.

Global Perspective: Gold Holdings of the Wealthy

In some countries, wealthy families and individuals are far more gold-focused than in others. In India, the Middle East, and parts of Asia, gold is considered a vital part of wealth-building and preservation. It’s not unusual for affluent families in these regions to hold hundreds of ounces of gold, often in coin form.

In the West, particularly among European and American investors, gold is sometimes viewed more as a hedge or emergency asset. Still, many financial advisors in these regions recommend holding at least 5% of total assets in physical gold, with many ultra-wealthy clients exceeding that amount.

Gold in Times of Crisis

When the economy takes a downturn, gold shines. That’s not just a saying, it’s a pattern that plays out over and over again. During events like the 2008 financial crisis or the pandemic-related market shock, gold prices surged as investors sought safety.

Millionaires know this. That’s why they often increase their gold holdings during uncertain times. They don’t panic sell, they rebalance. Buying more gold when markets are unstable is a tactic they’ve used for decades, and it continues to serve them well.

Storing Wealth for the Next Generation

Gold isn’t just for the here and now. Many millionaires view it as a way to pass wealth to their children and grandchildren. It doesn’t require complicated trusts or legal paperwork. Physical gold can simply be handed down, securely and privately.

Coins like Krugerrands make this even easier. They’re durable, recognised around the world, and divisible. You can gift or inherit them without the hurdles that come with shares, real estate, or businesses.

How to Follow Their Lead

You don’t need millions in the bank to benefit from gold. What matters is the strategy. Smart investors, wealthy or not, understand that gold brings balance to a portfolio. It cushions against volatility and helps safeguard against inflation.

Start small if needed. A few ounces of gold, especially in coin form, can build a solid foundation. Over time, adding to that collection strengthens your position and mirrors the approach used by seasoned investors.

Final Thoughts

Millionaires hold gold because it works. It brings safety when markets fall, holds value when currencies weaken, and stays relevant when trends fade. Whether through bars or Krugerrand coins, gold remains a key part of how the wealthy stay wealthy.