As per your plan (regerring to your post above) , if you have a home by age 37 and loan free home by age 40, have a high growth plot of land in a good location and exposure to quality stocks & mutual funds…why do you need a 10% exposure to Gold?
You may need it till time you are exploring what kind of investor you are but once done, you may leave Gold to a maximum of say 1 year expenses in case of extreme exonomic turmoil in country and collapse of other financial channels (hope this never happens. Physical gold will only help then. Paper gold will have no value in such scenario and collapse.
Rest leave to females in family to enjoy as jewellery as per their liking and even some males like it. Enjoy the art for those who like it.
Btw above just personal thoughts and may change with time. Pls take your own decisions based on how your thinking evolves.
Good discussions!
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