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Journal of European Economic History
2026, Volume:7, Issue :2 : 753-764 doi: 10.61336/JEEH/26-2-54
Research Article
Investment Behavior in Precious Metals: A Survey-Based Study on Gold–Silver Allocation Preferences among Indian Retail Investors in Volatile Market Conditions
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1
Assistant Professor Lala Lajpatrai Institute of Management
2
Associate Professor Lala Lajpatrai Institute of Management
Received
May 20, 2026
Revised
June 24, 2026
Accepted
June 27, 2026
Published
June 30, 2026
Abstract

The present study examines the investment behavior of Indian retail investors towards precious metals, particularly gold and silver, under volatile market conditions. The research focuses on allocation preferences, investor awareness, risk appetite, and portfolio diversification patterns among retail investors. Primary data were collected from 327 respondents through a structured Google Form questionnaire. Statistical tools such as percentage analysis, Chi-Square Test, One-Way ANOVA, and Independent Sample t-test were used for hypothesis testing and interpretation of data. The findings reveal that gold remains the dominant investment preference due to its perceived safety, liquidity, and inflation-hedging capability, while silver is increasingly considered a high-growth investment avenue because of industrial demand. The study also identifies the influence of demographic variables such as gender, age, occupation, and risk appetite on precious metal investment decisions. The research concludes that investor education, diversification strategies, and awareness regarding modern investment avenues such as Gold ETFs and Sovereign Gold Bonds can improve investment decision-making among Indian retail investors.

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