Determining the maximum percentage of wealth that someone should have invested in gold IRAs is a subjective matter that depends on several factors, including an individual's financial goals, risk tolerance, and overall portfolio diversification strategy. It is generally advisable not to put all of one's wealth into a single investment or asset class, including gold. Diversification is key to managing risk and optimizing potential returns.

Financial experts often recommend that investors allocate a portion of their portfolio to precious metals, including gold, ranging from 10% to 25%. This range provides exposure to the potential benefits of gold while maintaining a balanced and diversified portfolio. However, the specific percentage within this range should be determined based on an individual's unique circumstances and investment objectives.

Factors to consider when deciding the appropriate percentage of wealth to allocate to gold IRAs include an individual's time horizon, risk tolerance, income needs during retirement, and the overall composition of their investment portfolio. Consulting with a financial advisor or professional who specializes in retirement planning and precious metals can provide personalized guidance to help determine the most suitable allocation for an individual's situation.

Remember that gold IRAs should be seen as a component of a comprehensive investment strategy rather than the sole investment vehicle. Maintaining a diversified portfolio that includes a mix of asset classes, such as stocks, bonds, real estate, and potentially precious metals, can help mitigate risk and optimize long-term growth potential.