Why should you invest in jewelry? Tips for your jewelry and gemstone investments.

How to invest in jewelry?

The right piece of jewelery can appreciate in value over the years becoming a beautiful, tangible, investment in your family‘s future. Perhaps you want to invest something that does not rely on banks or stocks? Perhaps you have little ones and plan to sell your investments to support their college tuition once they are old enough. Maybe you want to have a reserve if an unexpected tragedy occurs. Whatever your reason may be, investing in precious metals is a wise choice.

Important Note: All investments opinions expressed in this article were based on the research and experience of our jewelry experts, however, we do not guarantee any specific results. You should not make an investment decision without seeking professional financial advice.

Jewelry and diamonds are two items that are very popular among people who invest in them. However, they are not just one type of investment. You may find yourself investing in both at once, or perhaps only in one. In order to get started, you should consider what kind of investor you want to be. Do you want to buy jewelry? Or do you want to sell it later? What about buying diamonds? How much money do you have to start out with? These questions will help you determine whether jewelry investment is right for your needs.

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Where should I purchase investment jewelry?

First, let’s follow a piece of jewelry from its inception to its final sale.

Jewels and metals come from mines and factories. They are refined into products, then sold to manufacturers who create them into finished goods. Manufacturers sell these items to wholesalers who buy them at wholesale prices. Wholesalers sell them to retailers who sell them to consumers. Consumers pay retail prices for the items.

The wholesaler then buys the jewelry from the manufacturer at a price that covers the wholesale cost of buying the product, plus an additional amount needed to pay for the operation costs of running the business. After paying these costs, the wholesaler can sell the merchandise to retailers such as yourself at a price that will allow him/her to make a profit. When you buy the jewelry from the retailer, he/she will mark up the price of the item three times what was paid by the wholesaler, thus giving you a final retail price that includes the original purchase price plus markup.

  • You can buy diamonds wholesale from an online diamond wholesalers. Online businesses have low overhead compared to traditional retailers, so they’re able to pass their savings directly to you. Once you determine what type of jewelry you’re interested in, check out a retailer’s shipping, return policies and customer reviews before purchasing.
  • Jewelry auctions can be an excellent source of information. They give you the chance to find out what your jewelry is worth, and how much others might pay for it. However, they can also be risky and not necessarily be cost effective if you are tricked into paying too high of a price for something that turns out to be worthless.
  • Many people look for cheap deals at a pawn shop. We only suggest them if you know what you’re doing. Pawn shops often sell unique pieces of vintage jewelry, and the prices tend not to be too high.

Always do your research before buying. If you have an eye for something that seems appealing and timeless, check out what others are paying for it. You might find a “good buy” on an auction website, only to discover that your local store sells it for less.

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What to purchase

This is an important thing: not every high quality piece of jewellery will necessarily go up in price – even older, vintage pieces. So if you’ve decided to take part in the world of jewellery, here are some tips on what pieces have enduring value.

  • Jewelry made between 1920 and 1935.  “Pieces from that period have strong linear designs that still look modern today,” says Jean Ghika an auctioneer.
  • Attractive jewelry. Old jewelry may be antique, but if it isn’t attractive according to today’s trends, no one is going to want it. Choosing classic pieces that make lasting impressions, even when trends change, is the way to go.
  • Loose diamonds. Wholesale certified loose diamonds rarely lose their value and are a great investment. Since the diamonds are not yet set into a jewelry setting, you can find them for better prices. With Brilliance, you can easily shop and search for loose diamonds online.
  • Jewelry with cashback. Cashback programs allow shoppers to not only reduce their costs, but also make a lot of money! Some manufacturers offer their customers increased cashback, which can be up to 364%! Yes, that’s not a typo, jewelry stores like Elements 5 offer jewelry with that much cashback. Read: Elements 5 Reviews

Experts recommend that investors should diversify their investments across multiple asset classes. However, the advantages of investing in precious metals include this: They’re beautiful, they’re impressive, and they can easily be passed down to future generations as items of both personal and financial significance. Investing in gold and silver can provide substantial profits that can benefit your family financially for generations to come!

The Top 10 Jewelry Investments For 2022

Over the last several year period, jewelry investments may have out performed the US equities, Florida real estate, and gold investments.

To explain, jewelry investments are more like fine arts than real estate, for instance. In reality, it’s turning out to be increasingly popular for serious investors to allocate part of their money into investment-grade jewelry.

Investing in jewelry can be an excellent way to make money, especially if you’re willing to take your time and do the research. But just because something is popular doesn’t mean it’s right for everyone. You’ll need to consider your own personal goals and risk tolerance before deciding whether or not to invest in jewelry.

Despite the movement in market, certain pieces of jewelry can have a very bright future. The following article gives an overview of the types of jewelry that could be worth investing in 2022-2023.

Investing in Natural Saltwater Pearls

One of our best investments for 2010-2020 was natural salt water pearls, and we believe that they will continue to grow in 2020-2030.

Most of the investment return comes from the fact that they are almost impossible to find, and if you do find them, you can often get them for very little money. Indeed, the majority of natural sea shells available to the market are older than one hundred years. And they’re usually featured in equally rare antiques.

In addition, the price of pearls continues to grow because demand remains strong. For example, one in ten thousand natural oysters yields a natural pearl, which means that only about 100,000 of them are needed annually to meet current demand. However, the supply of natural pearls is limited; they’re not easy to find, and harvesting them takes quite a lot of work. What’s further, pearl diving is a hazardous profession that is rarely performed nowadays. So if you want a really nice piece of jewelry, you’ll probably have to pay a pretty penny for it.

You can find high quality pearls online through reputable retailers such as PearlSource.com. They offer a wide selection of authentic antique natural saltwater pearls. Their certified jewelry experts can help you select the perfect piece for your budget.

Searching for an antique natural salt water pearl can help you find something unique and beautiful. You might also consider searching for a vintage pearl necklace made by one of designers like Carteir or Van Cleef.

Investing in Colored & Fancy Diamonds

Color can affect the value of a diamond, so it’s important to understand what color grading means before buying your next stone. According to the Gemological Institute of America (GIA), white diamonds are graded on an A through D scale.

The D grading signals the diamond is colorless, “white.” And Z diamonds have a yellow hue. The value of a diamond drops the more it appears to show color. But, there is a catch!

The so-called “fancy diamonds” are colored and not graded by this scale. These are extremely rare and their ratios are very close to natural saltwater pearles.

GIA indicates that one in every ten thousand diamonds has a desirable color, and the colors that attract the greatest attention are pink, green, blue and red.

As a result, fancier diamonds have become one of today’s greatest investment opportunities.

For example, the legendary CTF Pink Star has recently become the most expensive gem in the world. In an auction held in Hong Kong, this mesmerizing pink diamond was bought for $71.2 million in 2017.

Investing in Rare Vintage Rings

In the beginning, you may not know what kind of ring you want, so you can start your search online. You can find a wide variety of styles and designs, including antique rings, engagement rings, wedding bands, and much more. And they are growing in popularity.

According to the research “This is money”, one of Britain’s leading financial websites, reveals how much the market has risen, the price of vintage jewelry has increased by 80 percent over the past ten years.

What are the factors one must consider before buying a rare vintage ring?

First, Art Decorative jewelry appears to outperform other pieces of jewelry. The style came from France and appeared before the Great War. It flourished into the 1930s but reached its peak between 1920 and 1930.

The pieces that fall within the golden age of Art Deco tend to be the highest priced. However, you must consider the characteristics of the vintage ring. Other factors such as the artist’s name, materials used, and period can affect the value of the piece.

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It’s hard to believe, but not only do you get a refund on your Elements 5 purchases, but you also get paid twice the value of the jewelry you purchased.

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Investing in Signed Designer Jewelry

A jewelry piece that was designed by one of the top jewelers (like Bvlgari, van Cleef & Arpels, Buccelatti, or Cartier) can be an excellent investment idea. However, there are a few things that you should know before investing in designer jewelry.

  • Age. The age of the jewelry piece is an important factor when it comes to designer jewellery. The older the better! A Cartier bracelet from the Art Deco era will appreciate in value, decade after decade, like almost no other jewellery.
  • Quality level. Even the best jewelers have pieces that are good, and pieces that aren”t. Before you invest in vintage designer jewelry, make sure you speak to someone who can examine the piece and determine if the quality is up to par.
  • Authenticity. You’ll want documentation to verify the age and make of your designer jewelry. Alternatively, obtain a certificate of authenticity from an industry leader verifying the quality of your jewelry.
  • Desirability. Your goal should be to find an item that is desirable. When shopping for your next piece of jewelry, make sure that you take into account what people are saying about the product. If the market is excited about something, then it is likely that you will also enjoy wearing it.

The best investments are those that people are willing to pay big money for.

For example, About fifty years ago VCA crafted one hundred Vintage VCA Alhambras. Each one had a number. If you were fortunate enough to acquire one, you would be able to make more than 10 times your money today.

Signed Art Deco jewelry can cost anywhere between $30,000-$250,000 dollars depending on the quality and type of jewelry. Necklaces and bracelets typically start around $250,000, while higher end items such as rings and earrings can range upwards of $1 million. Some signed art deco jewelry can sell for millions if they return to the market after being sold out.

Investing in Kashmir Sapphires

Many people consider sapphires much more valuable than diamonds, and this definitely holds true in regards to their investment potential. High quality Kashmir sapphires are among the best investments in the jewelry industry right now.

Sapphires range from all shades of blue, including light blue, dark blue, indigo, aqua, turquoise, teal, and emerald green. But the finest sapphire comes from the Kashmir region in India. Sapphire is also known as “the birthstone of love” because it symbolizes fidelity and everlasting love.

In the world of gemstones, there are only two types of sapphires: those that are mined and those that are cultured. Cultured sapphires are grown in labs under controlled conditions. They are then cut into gems and polished. Sapphire is one of the hardest stones known to man. It can withstand extreme heat and pressure. Because of these properties, sapphires are often used in industrial applications such as aircraft engines and nuclear reactors.

Due to their growing scarcity, the investment ratio is among the highest (if not THE highest) in the jewelry industry.

investing in Unheated Burma Rubies

Similar to Kashmir Sapphire, Unheated Burmesian Rubies are one of the highest priced investments at the moment. Obviously, the rarer the Ruby the higher the value.

The most valuable Burmese rubies are the vivid red colour of which dealers call ‘Pigeons Blood’. Color is the key factor when buying rubies.

These gems usually have inclusions. So, you can get away without clarity if the color matches the bill.

You also want to make sure that your Burma Ruby has received no heat treatment. A proper certification (or two) can go a long way towards establishing that.

Christie’s has set the record carat rate for Burmese rubies more than $420,000 in 2006.

Investing in Type IIa Diamonds

Aside from colorless diamonds and fancy colored diamonds, the diamonds that are rated Type IIa are likely to make you money. The reason for this can be found in their rarity and purity. With the exception of colorless and fancy colored diamonds, diamonds that are rated Type Ia are much more common and cheaper. These diamonds are also often not as pure as those that are rated Type II.

About two percent of the world’s diamonds fall into this category, and they’re the most chemically pure. They contain no or very little nitrogeneous gas, making them superior to others. In addition, it’s not unusual for these gems to come along with an interesting history.

Combine that with rarity, and you get the perfect opportunity for an investment. But there are some important things you should know about type II diamonds. They’re usually larger than one carat, so they’re even more valuable.

Their estimated value is between 2% and 3% higher than other diamonds and their average price is between $2,000 and $3,000. Plus, GIA also offers an independent certification process that verifies their quality. However, what about the actual cost?

The price of a diamond is not determined solely by its carat weight. Other factors include cut quality, color grade, clarity, and fluorescence. A rough diamond can have an excellent color grade (like “D” or “E”) yet sell for only $50 per carat because it lacks polish. On the other hand, a fancy polished stone might cost thousands of dollars per carat but may have no gemological value whatsoever.

For example, a diamond that weighs 5.50 carats and is of color D and IF clarity costs about $800,000. Add a Type II specification to that and you’ll be paying $25,000 more.

This puts the price tag of such a diamond at around $150,000 per karat. But then, once you add in the cut and the makers mark, the value is likely to soar higher.

Investing in No-Oil Colombian Emeralds

Natural emeralds are one the best investments of the decade. Prices are rising and are expected to continue to climb.

This allows smaller investors who may not have access to larger stones to get into the game, but there is one thing you should know before buying any gemstone. Smaller stones sell better and can often be much more valuable than larger ones.

For example, one three carat Colombian emerald can cost six times more than three one carat stones of the same size and value. Speaking of which, Colombia emeralds are the best, and they are far superior to stones from Brazil and Zambian.

Color is one of the most important factors that affect the value of your diamond. A lighter shade of yellow gold is much cheaper than darker yellow gold. You should also consider the clarity of your diamond. Diamonds with higher clarity cost more because they are rarer.

Another very important factor in determining whether an emerald is worth investing in is oil treatment. For an authentic gem-quality emerald, it should come without any artificial enhancements that would improve its appearance. You should also check if the emerald has a certification stating that it does not contain any oil treatment and that it came from Colombia.

Investing in Antique Fabergé Jewelry

Fabergé is an ancient Russian jewellery brand founded in 1884. Its name comes from French jeweler Peter Carl Fabergé (1846–1920). In the early 20th century, his company was responsible for creating the world’s largest collection of luxury goods.

Like the Kashmir Sapphire, today, Fabergé remains an investment gemstone worth buying and holding onto.

The catch with Faberge, is unfortunately the number of fakes that have inundated the market. The uncertainty of the market has made this an extremely risky venture for the average investor

A trustworthy jeweler can help you choose your jewelry wisely.

Investing in Gold Jewelry

Gold prices have risen steadily over recent decades, despite the global financial crisis. In addition to being an investment, gold can also be used as jewellery. While not everyone considers gold to be valuable, others see it as a safe haven during uncertain times. For example, if your country were to experience hyperinflation, then owning physical gold would provide protection against devaluing currency.

At the beginning of the 21st century, the price of gold stood at around $320 an ounce. By 2011, it had hit $1,802 an ounce; in August of 2020, the price of gold passed $2,000. Although there were periods of decline, the price of gold today stands at approximately $1,800.


Now this may be somewhat counterintuitive—many people believe the more detail and craftsmanship that go into a piece of jewelry, the more expensive it is. And this is true; however, it also means that you’re paying for labor above the value of the actual metal and gems that are used. With that in mind, it’s understandable why only a tiny fraction of complex jewelry pieces should be used for financial investments. This is also one reason why watches are so much pricier than other jewelry types in terms of cost per gram of gold.

If you’re looking for investment jewelry, we usually recommend purchasing a solid gold necklace or bracelet, as these items usually require minimal craftsmanship and can be worn every day. Gold bullion coins are also popular as an investment piece, as they do not need any crafting and can be easily melted into bars.

Investing in Platinum Jewelry

Platinum is a very rare metal, so if you’re considering investing in it, now may not be the best time. Bearish trends mean prices could drop significantly, so if you do decide to buy into platinum, make sure you know what you’re doing.

The main question is whether these fluctuations affect the jewelry industry. Of course, they do; however, the price of precious metals isn’t the sole determining factor for the worth of jewelry. And there are indicators that suggest platinum jewelry may be superior to gold.

Take Art Deco items as an example. One among the signature characteristics of this period is a mixture of precious metals and diamonds. More importantly, sales prove that this style has survived the test of time.

It’s hard to predict how the commodities are going to do as a group, but ensuring that there are either platinum and gold in whichever jewelry you choose to invest your money is always a very good investment strategy.

Tips For Jewelry Investing

Is buying jewelry a smart investment? The short answer: yes. There is no doubt that purchasing fine jewelry can be a great investment. But it also depends on how much money you want to invest, what type of jewelry you intend to buy, and where you intend to sell it. For example, if you’re planning to wear your jewelry every day, you might not get much value out of it, whereas if you plan to sell it after a year or two, you may make a lot of money. So, before you start shopping, think about these things.

Choose Items That Will Hold Their Value

Trendy jewelry might be hot right now, and retailers may be able to sell it at a premium. But will it be worth anything several years from now? However, unless an item comes from a famous designer or contains expensive gems, you should probably avoid investing in it. Classic pieces from designers such as Tiffany, VanCleef & Arpels (V&A), David Yurman, Cartier, and others are almost always solid investments.

Conduct Research Before Investing In Jewelry

Many people suffer from misconceptions about the safety of buying precious metals such as gold. The sad fact is they often spend far too much money for things that will not hold their value, or will bring them little or no profit when offered for sale. If you find yourself drawn to an item of jewelry and are tempted by it, do your homework first. Consider these important questions:

  • Diamond quality matters. While it may not be entirely accurate, it does make sense that larger diamond engagement rings will sell for higher prices than those that are smaller. However, it is important to note that other factors such as cut, color, and clarity do matter. In addition, classic styles tend to retain their value longer than modern designs.
  • Gold or some other kind of metal? All precious metals can be used to make jewelry, but gold tends to retain its value better than other kinds of metal. Look for pieces made of 14 karat gold or above.
  • In order to ensure that your vintage jewelry is genuine and valuable, it is important to know what to look out for. For example, if an item does not have any identifying marks, such as a hallmark, it may be fake. Also, if the setting is loose, it could mean that the stone was replaced. You should also check the chain length, because shorter chains indicate that the piece was originally designed for children. Finally, keep in mind that if the diamond is too large, it might be difficult to find a buyer who would appreciate it.
  • You should check your diamond before buying any. Diamonds are one of the hardest substances known to man, so they are very durable and resistant to scratches and wear. A certified gemologist can help identify if an item is genuine, and what type of cut it has. Some people also believe that certain colors are better investments because they are rarer and more valuable. However, no matter how much money you spend, you shouldn’t buy a piece of jewelry without having it appraised first.
  • Do you like it? Unlike many other investments, jewelry can be enjoyed during the buying and selling phases. There’s also no reason to lock everything away; especially since some pieces take a little longer to be considered vintage or retro. If there’ s no risk of damaging an article, consider wearing it occasionally. There’s another good reason to make sure that you buy items that appeal to your personal sense of style : In case they don’ t sell, you’ll be stuck with them!

Don’t Take The Seller’s Word For It

No matter how beautiful your piece may be, make certain that it has been authenticated prior to buying it. We’d love to be able to believe everyone, but the sad reality is that there are lots and lots of dishonest sellers out online, offering deals that really are too great to be true. The marketplace is saturated with replicas, and a lot of them look just like the genuine article, and only an expert could spot the difference. Be confident enough to ask for authentication, and then leave if the vendor refuses to provide it.

Try To Keep Emotional Distance

Jewelry is beautiful. Sometimes, though, people make rash decisions without thinking things through. Don’t allow your feelings to cloud your judgment. Take a moment to think about whether buying jewelry is really worth the risk. Remember that there are lots of jewelry out there, so you shouldn’t worry too much about finding the perfect piece.

Educate Yourself

Before buying jewelry, know what different markings mean, so you can be sure you’re getting quality merchandise. Find out which stones and precious metals are worth most, and think about how much money you have before deciding if you should buy something expensive.

Don’t Become A Target

Don’t tell the world that you’re investing in jewelry. Whether it’s old gold jewelry to sell later when the price rises, or whether you’re buying items to resell as is, you’ll want to maintain a low-profile. Make sure your valuables stay secure while you wait to make money off them. Keep an eye on your own safety too, particularly if you’re planning to meet people who might buy jewelry from you. Meet in a public area, and don’t give out any information that could help someone find your house. Most purchases go smoothly, but it’s best not to put yourself in danger.

Secure Your Investment

You shouldn’t store investment jewelry on your room table. They’re too easy to get into trouble with. Instead, you should keep them safely locked away in a safe place. A good idea would be to put them in a bank safety deposit vault. That way, they’ll be protected from thieves, fire, flood damage, and natural disasters.

Also, ensure if your planning on wearing the jewelry piece that it is securely connected too you, and that all of the stones are secure.

Don’t ever invest money into something without insurance. That’s just common sense. You can’t afford to lose everything you’ve invested. And if you do, you’ll have nothing left to live off of. So make sure you’re covered.


Most insurance companies will happily provide you with a policy against theft and loss. However, if you’re looking to protect your collection as a financial asset, things can get a little tricky.

You may need to shop around a bit before finding insurance to cover your jewelry collection. Also, you’ll need to decide whether future profits justify the cost of the insurance.

For example, you may not be able to insure your entire collection of diamonds because they’re too valuable. Or maybe you can only afford to insure part of your jewelry portfolio. And you’ll also need to consider whether it’s worth paying extra for an extended warranty.

You can get insurance through an online broker or directly from the insurer. Some insurers offer additional services such as home security systems, fire alarms, smoke detectors, burglar alarms, and much more. In addition, you may be able to find discounts if you buy multiple policies.

You’ll do just fine with theft insurance. And you may rent a safe deposit box for further security when your collection grows large enough.

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