At this point in time, it is not a good idea to buy gold. It has risen so fast and stayed way up there. When is it going to fall? Is it going to be like the Real Estate market. Just go bust and fall to nothing. (It won't go to nothing, but it will drop a lot lower than it is now.) When it starts to drop, it will probably drop to below what you paid for it. Keeping your money in a variety of places is good. Then if something does go belly up, you will not lose everything, just part of it.