"What percent gold? What percent stocks?" — you hear this question often. The short answer: there is no one fixed number for everyone. It depends on your time horizon, income, debt, and emergency reserves.
Still, a simple framework helps you see whether your current mix makes sense.
First: set emergency reserves aside
Before gold and stock percentages, keep 3 to 6 months of expenses in calm, accessible assets — usually short-term deposits. Don't count this as "long-term investment."
Gold — role and range
Gold in Iran offers inflation hedging and liquidity. But if it's too high, the whole portfolio depends on one market. For many households, 10 to 30 percent of investable assets (after emergency reserves) is reasonable — not "all gold" and not "zero."
Stocks — role and range
Equities are designed for long horizons. If you need the money in under 2 years, a heavy stock weight risks forced selling. For 5+ year horizons, part of the portfolio — sometimes 15 to 40 percent — depending on volatility tolerance.
Deposits — role and range
Deposits don't offer high returns, but they add stability. Besides emergency reserves, they can be a middle layer for 1–3 year goals. Deposits aren't the only 20-year choice — but zero isn't logical for everyone either.
Guide table (not a prescription)
These numbers are "starting points for thinking" — not medical orders:
- Short horizon (under 2 years): deposits + reserves — little or no stocks
- Medium horizon (2–5 years): balanced mix of deposits, gold, and stocks
- Long horizon (5+ years): more growth (stocks) with diversification
Common mistake
Copying a friend's or Telegram group's percentages. Your portfolio should match when you need the money and your financial health — not everyone else's.
The "right" percentage is the one that lets you sleep at night — and fits your goals.
Summary
Gold, stocks, and deposits have no universal formula; it depends on your horizon and situation. Emergency reserves first, then percentages. If you're not sure where you stand, start with portfolio analysis or a free checkup.