Is Jewellery a Good Investment?

Whether you’re a jewellery lover or you’re looking for alternatives to investing in stocks, you may be wondering whether investment in jewellery is a good idea. The short answer is that it can be worth it, but it depends what type of jewellery you invest in.

In this article we’ll explore the best jewellery for investment, as well as how to invest in jewellery and advice on jewellery insurance.

What are the Best Investment Jewellery Pieces?

Some types of jewellery are better suited to investment than others, because their value is more likely to increase over time. Here’s a quick introduction to some of the best investment jewellery pieces:

#1 Gold Jewellery

Gold has been a valuable material for centuries. As a finite metal that is in somewhat limited supply, the scarcity of gold is one of the reasons it is valuable. Its durability also makes it desirable – not to mention its alluring visual appeal.

Although the price of gold fluctuates in the short term, buying gold jewellery for investment can generally be profitable in the long term.

Designed by Freepik

#2 Diamonds

Like gold, diamonds are a rare material that is difficult to extract. This – along with their beauty – makes them a valuable item that is also likely to give a good return in the long term. However, it’s important to do your research before purchasing a piece for investment, since the value of diamond jewellery can vary wildly.

For example, it’s often the case that antique diamond jewellery will offer a better return than new diamonds. This is because antique jewellery is usually cheaper to buy, and the value of new diamonds depreciates as soon as they are purchased.

Designed by Freepik

#3 Natural Saltwater Pearls

Genuine pearls are incredibly difficult to source, and most of the pearls on the market today are over 100 years old. This makes them a great investment that is likely to appreciate over time, if you can afford the initial cost of pearl jewellery.

If you do decide to buy pearls, make sure that they come with the right certification documents and speak to an expert to verify the provenance of the item.

Designed by Freepik

How to Invest in Jewellery

When investing in jewellery, there are a few things you should do to protect yourself and any future investments. Here are our top tips:

  1. Check the authenticity of your supplier
    Make sure that you are buying from a trusted supplier or jeweller. Online jewellers should have a listing in Assay Assured’s online jewellery retailer directory, or an Assay Assured certificate.
  2. Get jewellery appraised
    If you want to insure a piece of jewellery, you will need to get it appraised to find out its worth. Appraisals should be completed by a professional appraiser.
  3. Get insurance
    If you’re buying luxury jewellery as an investment, you will need to take out jewellery insurance to protect it from loss, theft or damage. Get your jewellery valued annually to make sure that it is still covered by your insurance policy if its value changes.


Want to insure your jewellery? Contact our expert team at Hayes Parsons for a quote that is tailored to your needs, whether you’re looking for Rolex watch insurance or something different.


Is gold jewellery a good investment?

Although the price of gold tends to fluctuate in the short term, over the long term (approximately 15-20 years) you can expect the value of gold jewellery to increase.

Is platinum jewellery a good investment?

Platinum is rarer than gold, but the platinum market is more volatile than the gold market. If you’re thinking of investing in platinum, you must carefully consider your appetite for risk.

Is antique jewellery a good investment?
Antique jewellery is often considered to be a better investment than new jewellery, since new jewellery tends to have a higher mark-up and depreciates in value as soon as it is purchased.

What are the best investment jewellery brands?
If it’s in your budget, branded jewellery by the likes of Cartier, de Beers, and Bulgari is likely to increase in value over time.