儘管目前價格較高，購買金幣和金條是否明智？

The price of gold has hit a number of record highs recently. The trend started in early March when the precious metal hit a new record high of $2,160 per ounce. By April 1, the price of gold had increased to $2,259.29 per ounce. And today, gold's price is even higher at $2,334.53 per ounce. 

即使在今天的高價下，購買金幣和金條仍然有意義。近期金價屢創新高。這一趨勢始於 3 月初，當時貴金屬觸及每盎司 2,160 美元的新紀錄高點。到 4 月 1 日，金價已升至每盎司 2,259.29 美元。如今，黃金價格甚至更高，達到每盎司 2,334.53 美元。

In turn, you may feel torn about buying gold coins and bars right now. On one hand, recent increases in the price of gold are an example of how the precious metal can grow in value over time. And, gold is easy to buy. Not only can you buy gold online or through gold dealers, but you now have the option to buy gold bars at Costco and Walmart, too. 

反過來，您現在可能會對購買金幣和金條感到左右為難。一方面，最近黃金價格的上漲是貴金屬如何隨著時間的推移而升值的一個例子。而且，黃金很容易購買。您不僅可以在線上或透過黃金經銷商購買黃金，而且現在還可以選擇在好市多和沃爾瑪購買金條。

On the other hand, you may be wondering whether to wait for the price to fall before buying in. So, should you buy gold coins and bars while prices are high?

另一方面，您可能想知道是否要等到價格下跌後再買入。那麼，您應該在價格高位時購買金幣和金條嗎？

Compare your gold investment options now. 

立即比較您的黃金投資選擇。

Should you buy gold coins and bars while prices are high?

While it may seem advantageous to wait for prices to fall before you buy gold coins and bars, doing so could be a mistake. After all, there's no guarantee that the price of gold will fall in the future. 

您應該在價格高位時購買金幣和金條嗎？雖然等待價格下跌後再購買金幣和金條似乎是有利的，但這樣做可能是個錯誤。畢竟，不能保證金價未來會下跌。

But that's not the only reason it makes sense to buy gold, even at today's high prices. 

但這並不是購買黃金的唯一原因，即使是當今的高價位。

Gold is still a good hedge against ongoing inflation

Inflation may be down compared to its peak of 9.2% in June 2022, but it's still a persistent issue. And, as prices head upward, the value of the dollar falls, so it's important to protect your investment portfolio from losses due to inflation. One way to do so is to invest in gold coins and bars. 

黃金仍然是對抗持續通膨的良好對沖工具。與 2022 年 6 月 9.2% 的峰值相比，通膨可能有所下降，但這仍然是一個長期存在的問題。而且，隨著價格上漲，美元價值下跌，因此保護您的投資組合免受通貨膨脹造成的損失非常重要。一種方法是投資金幣和金條。

There's a finite supply of gold, so it tends to hold its value over time. And, because investor demand tends to increase during periods of inflation, the price of gold also often climbs during these periods. In turn, if you invest in a reasonable amount of gold — typically less than 10% of the value of your portfolio — gold's price stability and potential price growth could protect your buying power during inflationary periods. 

黃金的供應量有限，因此隨著時間的推移，它往往會保持其價值。而且，由於投資者的需求在通貨膨脹時期往往會增加，因此黃金價格在這些時期也經常上漲。反過來，如果您投資合理數量的黃金（通常少於投資組合價值的 10%），那麼黃金的價格穩定性和潛在的價格增長可以在通貨膨脹時期保護您的購買力。

Protect your portfolio from inflation by buying gold coins and bars today. 

立即購買金幣和金條，保護您的投資組合免受通貨膨脹的影響。

You could get priced out if you wait too long

At $2,334.53 per ounce, gold's price is already higher than it was just a few months ago. And, considering how quickly the price has been growing in recent weeks, there's a chance that it could continue upward. In turn, if you wait too long to add gold to your portfolio and the upward trend continues, it may become cost-prohibitive to do so. So, it may be wise to invest in gold now, before the value of gold has the opportunity to increase further. 

如果等待太久，您可能會被定價出局。金價為每盎司 2,334.53 美元，已經高於幾個月前的價格。而且，考慮到最近幾週價格增長的速度，它有可能繼續上漲。反過來，如果您等待太長時間才將黃金添加到您的投資組合中，並且上升趨勢仍在繼續，那麼這樣做的成本可能會過高。因此，在黃金價值有機會進一步上漲之前，現在投資黃金可能是明智之舉。

Gold is a diversification tool

Gold isn't just a way to protect your investment portfolio from inflation. It's also a diversification tool. That's because the value of the precious metal has a low correlation to traditional portfolio assets like stocks and bonds. In other words, the value of gold tends to move independently from traditional investment assets during market downturns. 

黃金是一種多元化工具黃金不僅僅是保護您的投資組合免受通貨膨脹影響的一種方式。這也是一種多元化工具。這是因為貴金屬的價值與股票和債券等傳統投資組合資產的相關性較低。換句話說，在市場低迷時期，黃金的價值往往獨立於傳統投資資產的變動。

And that could be a good thing. After all, it means that the uptick in gold's price could offset losses in your portfolio if other assets you've invested in fall in value. 

這可能是件好事。畢竟，這意味著如果您投資的其他資產價值下跌，黃金價格的上漲可以抵消您投資組合的損失。

The bottom line

Gold's price has recently climbed to new highs, and there's a chance that the upward trend could continue. So, it may make sense to add the precious metal to your portfolio now rather than waiting for lower prices that may not materialize. The precious metal is also an effective hedge against today's persistent inflation and a valuable diversification tool. In turn, you may want to consider adding gold to your portfolio now. 

底線金價近期已攀升至新高，並且有可能繼續上漲趨勢。因此，現在將貴金屬添加到您的投資組合中可能是有意義的，而不是等待可能不會實現的較低價格。貴金屬也是對抗當今持續通膨的有效對沖工具，也是有價值的多元化工具。反過來，您現在可能需要考慮將黃金添加到您的投資組合中。

Joshua Rodriguez

Joshua Rodriguez is a personal finance and investing writer with a passion for his craft. When he's not working, he enjoys time with his wife, two kids, two dogs and two ducks.

約書亞·羅德里格斯 (Joshua Rodriguez) 約書亞·羅德里格斯 (Joshua Rodriguez) 是一位個人理財和投資作家，對自己的技藝充滿熱情。當他不工作時，他喜歡與妻子、兩個孩子、兩隻狗和兩隻鴨子在一起。