I keep track of the couple NAV. 5% probably means 100k.

Q1: So how many percent of that can be held in gold before age 50?
A: 1->2-5%. Remember gold ≠ a growth asset or an income source

— Q2: how would it change after that?
A: It can grow to 10% as I shift my focus to safer assets such as

• HDB flat — is a safe asset despite the lease hold. I might downgrade after kids grow up, to increase gold allocation. At that time, will I find any motivation to do so?
• blue chip dividend stocks — are safe assets but not as safe as CPF-life.
• CPF-life? I still want to max out but not at 55, but at 65, despite the diminishing bequest

When we adjust our allocation, it’s important to keep an exposure to gold.