Over the last three years, gold’s price has grown by over 100%, outpacing inflation, the pound and most stock markets. It’s a clear signal that more and more people are looking to protect their wealth from inflation and currency debasement. And they’re not wrong. Gold’s price surge is being driven by powerful systemic factors that are likely to push prices even higher for years to come.
So if you feel like you’ve ‘missed the boat’, here are five reasons why we believe you’re still early to invest in gold.
1) Currency debasement and inflation are structural, not temporary
Governments and central banks around the world, including the UK, are increasing the money supply at unprecedented levels. Politicians call it “stimulus spending”, but really it’s being done to service national debt and fund their endless spending programmes. The UK’s national debt is now so big that just paying the interest costs the government over £100 billion a year. That’s more than we spend on education and policing combined! And when you consider that, just like the UK, most other major economies have spiralling national debts and are printing new money into existence as a solution, it becomes clear that currency debasement is a global issue that’s not going to end any time soon.
Every time more pounds are created out of thin air, the money in your bank account loses purchasing power. It’s that simple.
Gold is the ultimate hedge against inflation and currency debasement. It has been used as a store of value for thousands of years, and has consistently outperformed fiat currencies like the pound. In the first seven months of 2025, UK gold account openings rose by 144% year-on-year – a sign that confidence in the financial system is fading.
2) The “smart money” is buying gold
When you see major institutions acting, it’s wise to take notice. Central banks around the world have been buying gold in record amounts. In 2024, central banks added over 1,000 tonnes of gold for the third year in a row.
In addition, Investment managers have been adding gold to their asset allocations. This is an indication that gold is increasingly viewed as a core strategic asset. Why? Because these institutions know there is trouble ahead: currency debasement, credit risks, and geo-political tensions.
This institutional demand for gold is important. It signals that gold is becoming a structural part of the global financial system. When the smart money is buying it, it’s normally because there are long term drivers at play.
3) Regulatory changes are improving gold’s standing
After the 2008 global financial crisis, regulations were introduced requiring banks to hold more capital to back their lending. More recently, under the Basel III framework, gold has been given greater recognition as a high-quality asset in the financial system.
In simple terms, physical gold now counts more towards a bank’s financial strength under today’s regulations. It’s a major change that gives banks a real incentive to hold physical gold as part of their reserves. That means more demand from banks and institutions.
This shift is structural and reinforces the upward trajectory of gold’s price in the long term.
4) The U.S. might revalue its vast gold reserves
Many financial analysts believe there is a very real chance the US Government could revalue the gold in their reserves as a way to pay off a portion of their national debt.
We’ve covered this in full detail recently but the easiest way to think about it is like this – Imagine a wealthy family that bought a valuable painting decades ago at a very low price. On their balance sheet, the painting is still listed at the original price, even though its market value has soared. A “revaluation” would be the family simply updating their books to reflect the painting’s current, much higher market value.
In the same way, the US government holds a vast amount of gold, but officially values it at an outdated price of just $42.22 per troy ounce. Revaluing it means changing that official price to its current market price, which is much higher.
Such a move would trigger a significantly higher price floor for gold globally. While it’s no guarantee this event will take place, it’s definitely worth considering if you feel like you’ve missed out on gold’s recent price growth.
5) Modern tech is giving gold new super-powers
Until now, gold has had three main drawbacks: it’s hard to spend, hard to access and costly to hold. That’s changing, and fast. TallyMoney lets you own physical gold and spend it, just like ordinary money, via a Debit Mastercard® and everyday account.
You get the best of both worlds. The wealth-preservation of gold, and the practicality of digital money. That means more people can use gold not just as a hedge, but as everyday money.
Greater usability leads to greater demand. When gold becomes as accessible and spendable as cash whilst still retaining its scarcity and value, you’re looking at a powerful long-term engine for growth.
In Summary
When you combine:
- Currency debasement that keeps working quietly behind the scenes
- Major institutions accumulating gold in response
- Regulatory recognition improving gold’s standing
- The possibility of sovereign re‐valuation of gold reserves, and
- The modernisation of gold into spendable money
It becomes clear there is a strong structural case for the gold price to continue rising for years to come.
With TallyMoney, you’re not just betting on gold, you’re choosing money that holds its value and works today.
The price of gold can go down as well as up. Past performance is not a reliable indicator of future results.
