When choosing fine jewelry, it’s always a smart move to consider its value as an investment. Even if you aren’t planning on ever selling your luxury jewelry or borrowing against your jewelry for a loan, the pieces you choose are a great financial safety net. Buying the right pieces not only will provide you with a lifetime of wear, but it will also ensure that your pieces retain their value, or in some cases, even appreciate in value.

If you’re looking to invest in luxury jewelry, here are the 4 best jewelry investments you can make that are both stunning and smart.

Diamonds

It’s no surprise that diamonds are at the top of our list. They are timeless in every way, not just aesthetically, but also financially. The value of diamonds is always in flux, but one thing is certain: they will always hold their value extremely well, with a small percentage of diamonds even appreciating in value. Whether white or colored, diamond tennis bracelets, earrings, necklaces, and rings are all stellar choices to add to your jewelry collection. We are talking, of course, about natural diamonds. Lab-grown diamonds do not have the same value or the same financial power as an asset.

Luxury Brand Jewelry

Certain luxury brands will retain their value better than non-branded jewelry. Non-branded jewelry’s value is determined based on the value of its materials alone, whereas luxury brand jewelry has the added value of its brand recognition. Some can even appreciate in value over time, as vintage pieces are highly sought-after. Take, for example, Cartier’s iconic Love Bracelet, which continues to appreciate yearly. A few luxury jewelry brands that we highly recommend are Tiffany & Co., Van Cleef & Arpels, Cartier, and Bulgari. These brands hold their value beautifully, we mean that literally and we see just how powerful they are as assets all the time in our offices. Should you ever need to sell your luxury brand jewelry or borrow against your luxury jewelry, you will be so happy you had these brands in your collection.

Gold & Platinum Jewelry

Investing in precious metals, such as gold and platinum, is undoubtedly your best bet in ensuring that your jewelry retains value. Gold tends to be the safest choice, as its value does not fluctuate as much as platinum. While platinum may have a higher value, its resale value is less stable.

Gemstones

Diamonds aside, the top gemstones to invest in are sapphires, rubies, and emeralds. Sapphires come in a myriad of colors, with the most valued being a deep blue. Rubies are rarer than diamonds, and in most cases, rubies are higher in value than diamonds of similar size and quality. The same goes for emeralds. These 3 gemstones make a particularly powerful loan asset should you ever find yourself in a situation where cash flow is an issue. When purchasing rubies, sapphires, and emeralds, look for at least 1 karat in size while prioritizing the quality of the gemstone in order to get the best return on your investment.

Interested in leveraging your jewelry for an asset loan? We are here to help. Simply book an appointment to get a no-pressure collateral loan offer, and a same-day cash payment if you’d like to move forward. Your jewelry will be waiting for you in one of our office’s state-of-the-art vaults, fully insured by Lloyd’s of London, ready to pick up whenever you are. It’s quick, easy, and ultra-discreet.