Ray Dalio’s Golden Rule: Why Every Investor Needs Gold Now

How Ray Dalio’s timeless philosophy on gold is reshaping portfolio strategy amid a credit-driven, inflation-prone world economy.

Editorial Team (ET)October 10, 2025

Gold has always been more than a shiny metal. It’s a reflection of trust, a hedge against chaos, and a store of value when everything else seems uncertain. For billionaire investor Ray Dalio, it’s also an essential piece of the long-term investing puzzle. His advice is simple yet profound—if you’re serious about protecting your wealth, gold deserves a place in your portfolio.

Dalio has long argued that diversification is the cornerstone of financial survival. He believes every investor should focus on “real after-tax returns” rather than just nominal gains on paper. According to Dalio, gold acts as a critical diversifier because it behaves differently from the usual suspects—stocks, bonds, and credit instruments.

When credit markets tighten, equities stumble, and government debt becomes unattractive, gold shines. Its value doesn’t rely on the promise of repayment or the confidence of central banks. It stands apart from the system itself, which is exactly what makes it valuable in times of economic stress.

In Dalio’s view, the “optimal mix” for an investment portfolio should include around 15% gold. That might sound aggressive, but his reasoning is grounded in risk management, not speculation. Gold is the one asset that tends to perform well when traditional markets falter. During inflationary surges, currency devaluations, or credit contractions, gold has historically provided balance when everything else breaks down.

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