It's never too late to open a gold 401K. A gold IRA transfer is very easy to do. Even when the world economy was low in the last several years, gold kept it's value. An ounce of gold has seen a continuous increase in value and is still recognized around the world as a solid monetary commodity.
Traditional investments are starting to recover slowly. IRA gold has helped cushion the downward spiral that was seen and 401k gold helps reduce the volatility of retirement portfolios. Historically, including gold in a portfolio improves the overall performance.