Gold and silver prices are near record highs, prompting caution among retail buyers. Experts suggest a significant price drop is unlikely unless inflation cools sharply, central banks aggressively raise interest rates, and the US dollar strengthens. Geopolitical tensions and Asian demand support current gold prices. A modest correction or sideways movement is more probable than a crash. Buyers are advised to spread purchases over time or wait for dips, viewing gold as a long-term holding rather than a short-term investment.