尽管目前价格较高，购买金币和金条是否明智？

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. 

即使在今天的高价下，购买金币和金条仍然有意义。近期金价屡创新高。这一趋势始于 3 月初，当时贵金属触及每盎司 2,160 美元的新纪录高点。到 4 月 1 日，金价已升至每盎司 2,259.29 美元。如今，黄金价格甚至更高，达到每盎司 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. 

反过来，您现在可能会对购买金币和金条感到左右为难。一方面，最近黄金价格的上涨是贵金属如何随着时间的推移而升值的一个例子。而且，黄金很容易购买。您不仅可以在线或通过黄金经销商购买黄金，而且现在还可以选择在好市多和沃尔玛购买金条。

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价格下跌后再买入。那么，您应该在价格高位时购买金币和金条吗？

Compare your gold investment options now. 

立即比较您的黄金投资选择。

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. 

您应该在价格高位时购买金币和金条吗？虽然等待价格下跌后再购买金币和金条似乎是有利的，但这样做可能是一个错误。毕竟，不能保证金价未来会下跌。

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

但这并不是购买黄金的唯一原因，即使是在当今的高价位。

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. 

黄金仍然是对抗持续通胀的良好对冲工具。与 2022 年 6 月 9.2% 的峰值相比，通胀可能有所下降，但这仍然是一个长期存在的问题。而且，随着价格上涨，美元价值下跌，因此保护您的投资组合免受通货膨胀造成的损失非常重要。一种方法是投资金币和金条。

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. 

黄金的供应量有限，因此随着时间的推移，它往往会保持其价值。而且，由于投资者的需求在通货膨胀时期往往会增加，因此黄金价格在这些时期也经常上涨。反过来，如果您投资合理数量的黄金（通常少于投资组合价值的 10%），那么黄金的价格稳定性和潜在的价格增长可以在通货膨胀时期保护您的购买力。

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

立即购买金币和金条，保护您的投资组合免受通货膨胀的影响。

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，您可能会被定价出局。金价为每盎司 2,334.53 美元，已经高于几个月前的价格。而且，考虑到最近几周价格增长的速度，它有可能继续上涨。反过来，如果您等待太长时间才将黄金添加到您的投资组合中，并且上升趋势仍在继续，那么这样做的成本可能会过高。因此，在黄金价值有机会进一步上涨之前，现在投资黄金可能是明智之举。

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. 

黄金是一种多元化工具黄金不仅仅是保护您的投资组合免受通货膨胀影响的一种方式。这也是一种多元化工具。这是因为贵金属的价值与股票和债券等传统投资组合资产的相关性较低。换句话说，在市场低迷时期，黄金的价值往往独立于传统投资资产的变动。

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. 

这可能是一件好事。毕竟，这意味着如果您投资的其他资产价值下跌，黄金价格的上涨可以抵消您投资组合中的损失。

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. 

底线金价近期已攀升至新高，并且有可能继续上涨趋势。因此，现在将贵金属添加到您的投资组合中可能是有意义的，而不是等待可能不会实现的较低价格。贵金属也是对抗当今持续通胀的有效对冲工具，也是有价值的多元化工具。反过来，您现在可能需要考虑将黄金添加到您的投资组合中。

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.

约书亚·罗德里格斯 (Joshua Rodriguez) 约书亚·罗德里格斯 (Joshua Rodriguez) 是一位个人理财和投资作家，对自己的技艺充满热情。当他不工作时，他喜欢与妻子、两个孩子、两只狗和两只鸭子在一起。