Gold as an Investment: Is It Worth It in Uncertain Times?

What is Happening with Gold Prices?

According to G1, the price of gold has surpassed $5,000 per troy ounce, which is about R$ 26,400 (~$5,200). This significant increase, which reached over 60% in 2025, is driven by geopolitical and financial uncertainties, such as tensions between the United States and NATO. In times of crisis, gold is seen as a safe asset, attracting the attention of investors looking for protection for their wealth.

These market movements do not occur in a vacuum. Political instability and threats of trade tariffs have created a climate of distrust in financial markets, leading many to seek safer alternatives, such as gold and silver.

Why is Gold Considered a Safe Investment?

Gold has always been regarded as a safe haven. When investors perceive risks in financial assets, they tend to migrate to gold. This is because the precious metal is not tied to third-party debts, like stocks or government bonds. Gold has a relative scarcity, as the amount extracted to date is limited.

Additionally, the expectation that the U.S. Federal Reserve may lower interest rates this year also boosts interest in gold, as lower rates make traditional investments less attractive.

What Does This Mean for Your Wallet?

If you have R$ 1,000 (~$200) available to invest, it may be tempting to allocate a portion of that amount to gold. However, the volatility of gold prices means you should be prepared for potential fluctuations. In a rising price scenario, your investment could yield returns, but in a more stable market, the value of gold may decrease.

Using the 50/30/20 financial organization method, it’s interesting to set aside a portion of your investments for assets like gold. For example:

• R$ 1,000 - Total Investment
• 50% for Needs: R$ 500 (~$100) (fixed expenses like rent, utility bills)
• 30% for Wants: R$ 300 (~$60) (leisure, travel, hobbies)
• 20% for Savings and Investments: R$ 200 (~$40)

From this R$ 200, you might consider investing a portion in gold. However, it’s essential to diversify and not put all your capital into a single asset.

What Can You Do Now?

If the idea of investing in gold appeals to you, here are some tips:

• Research: Study different ways to invest in gold, such as physical purchases and ETFs (exchange-traded funds linked to gold).
• Set a Percentage: Determine how much of your capital you are willing to invest in gold, avoiding compromising your emergency finances.
• Stay Informed: Keep up with news about the financial market and geopolitics, as this information directly impacts the price of gold.

Connection with Your Personal Finances

Investing in gold can be a good diversification strategy, especially in times of uncertainty. However, it is crucial that you do this consciously, aligning your investment strategy with your financial needs. The 50/30/20 method can help you balance your accounts while also making room to invest in safer assets.

At ADXIS, we are here to help you organize your finances and make informed and conscious investment choices. Remember: every real counts, and the way you decide to invest can make all the difference in your financial future.