Well, look at golds history. If you apply the 'rule of 72' with your investments...divide your interest rate into 72, and you have the number of years it will take to double your money. If you invest in a diversified portfolio that roughly mirrors the broad market, you should be able to conservatively get 7%. That means about every 10 years youll double your stash. Gold has had some great highs in the last decade, but if you bought and held for the last 10 years youd be loosing compared to an index fund. Any saving is good, so if playing with shiny things help incentivise you then do it. Theres far less problem in picking the wrong way to save. As long as you save something youll be better off. Just kill the debt monster first.