Cynthiabee, it depends on where you are living, and how cold its getting, as well as how big your pond is. More water will keep the temperature more stable....
I have it easy, I live in Florida, and all I ever have to do is cover the pond with styrofoam sheets, or hang some plastic sheets to cover the whole pond area, sort of like an extra room during the winter.
What kind of goldfish are you having? Fish like shubunkins, commons, comets, orandas and ryukin are hardier than other kind of goldfish, and should do fine during the winter. Just make sure you dont feed anymore as soon as the temperature hits the 50s. Any food in the pond will either rot there or rot in the fishies stomach, since their metabolism slows down in lower temperature, so does their digestion. They still might come up and beg for food, it just doesnt do them any good if you give in...
Turn down the volume of any airpumps to a trickle, since the air that the pump is bringing into the pond, is gonna be as cold as the temperature outside the pond, and we dont wonna bring in extra cold air to them.
The fish will find the deepest spot in the pond during cold weather, and will sit there almost motionless. A de-icer is definetely neccessary to keep the oxygen exchange going. If you wonna try out a heater, you dont have to get one to heat the entire pond. If the fish really will get too cold, they will huddle around the area where the heater is....
If you really worry too much about them, then follow Black Orandas idea to bring them in. Better safe than sorry, especially if you have never tried to everwinter them before, and you are not sure if its okay for them....