I essentially agree with most of what has been said...
Gold chloride stock solutions (i.e. the gold and water only) are very stable. Stored in a brown bottle, a gold chloride stock will last indefinitely.
Make the most concentrated stock that you can conveniently use. But keep in mind that if you go too concentrated, you might run into the limit of solubility for a compound. This is not likely in the current case. Also remember that it is easy to further dilute a solutionthat it too concentrated but difficult to increase the concentration of a stock that is too dilute.
By 'conveniently use' I mean allows you to measure the volumes you need with the tools you have... the more concentrated your stock, the less volume you will need and sometimes that volume can get too small for you to measure accurately.
In the case of gold chloride, I usually make a 1 or 2% stock.
If your stock is a different concentration than the one called for in you recipe, just adjust the volume you use by the ratio 9f the concentrations. For example, if the recipe calls for 1 mL of a 0.5% solution and you have a stock that is 1%, you would use 0.5 mL of the 1% stock and add an additional 0.5 mL of water to keep the volume the same. Why 0.5 mL of the stock? Well your stock is twice as concentrated as the one called for in the recipe, so you would need to use less of you stock to have the same amount of gold as the recipes stock.
This works the other way as well. For example, if you only have a 1% stock but you recipe calls for, say 2 mL of a 2% stock, you could use 4 mL of the 1% and leave out 2 mL of water. Again, why 4 mL? Because the ration of the two stock concentrations is two, but in this case your stock contains less gold per volume that the specified stock so you will need more of your stock to get the same amount of gold.
I hope that I have explained this bit of basic chemistry clearly enough to be useful.