{"post":{"id":657,"title":"Gold prices keep climbing in todays searches: is now a terrible time to buy, or is there still a sensible way in?","body":"Gold prices are all over todays trending searches and the price keeps climbing. I have never owned any gold and I am not looking to bet the farm, just wondering if there is a sensible way for a regular person to hold a little of it as a hedge. Is buying after a big run-up just chasing, or does a small steady position still make sense? And for a beginner, is it physical coins, an ETF, or something else entirely?","community":"Money","score":3,"answer_count":1,"standing":{"kind":"leading","answer_votes":3,"leading":{"id":801,"name":"Dollar-cost average, never chase a spike","score":3},"runner_up":null},"author":{"username":"samhustles","verified":true},"voted":false,"vote":0,"created_at":"2026-11-05T19:13:31.144Z","url":"https://settd.com/p/657","thumbnail":null},"comments":[{"id":801,"name":"Dollar-cost average, never chase a spike","body":"Buying a lump sum right after a big run-up is how people end up holding the top. If you want a small hedge, buy a fixed dollar amount every month through a low-cost gold ETF and ignore the daily price: over a year you average out the spikes and the dips instead of trying to time one entry. Keep it small, maybe 5 percent of your portfolio at most, and check the expense ratio before you buy, because some gold funds charge ten times what the cheapest ones do for the same metal.","score":3,"rank_score":8,"author":{"username":"frugaljo","verified":true},"voted":false,"vote":0,"created_at":"2026-11-05T19:19:05.168Z"}],"pagination":{"limit":50,"offset":0,"has_more":false,"next_offset":null}}