At today's price of $4,729 an ounce, gold sounds more like an asset built for institutional portfolios and the ultra-wealthy rather than an investment option for someone with less cash to spare. That assumption has kept a lot of retail investors on the sidelines as they wait for the price of gold to moderate. After all, buying a full ounce of gold outright now requires a significant upfront investment, one that's increasingly out of reach at a time when elevated borrowing costs and persistent