Is zakat obligatory on owned gold, and what is the ruling on fearing to wear it due to envy, and is zakat on gold paid only once?

There is no Zakat obligatory upon a woman for the gold she wears or prepares for adornment, according to the majority of scholars, and this is the most preponderant opinion. A Muslim should seek refuge in Allah Almighty and fortify himself by reciting the two 'Mu'awwidhat' (Surahs Al-Falaq and An-Nas) and the prescribed supplications when fearing envy, while being certain that Allah is the Protector.