Financial advisors generally suggest that it is rarely "too late" to incorporate gold into a diversified investment portfolio, provided it serves a specific strategic function as a long-term hedge against inflation, currency devaluation, and systemic geopolitical risk. Rather than attempting to time short-term peaks in the gold spot market, investors typically maintain a steady, disciplined asset allocation ranging between 5% and 10% of their total wealth portfolio to smooth out multi-year market cycles.