Will my jewelry change in value over time? (2024)

FAQs

Will my jewelry change in value over time? ›

Yes! The market value of your jewelry will likely change over time. The prices of metals and stones (including diamonds) typically increase due to economic conditions like inflation, which can raise the overall value of your jewelry.

Types of jewelry that appreciate in value

Generally, no one type of jewelry is more likely to appreciate in value than others. However, heirloom pieces that have been in your family for generations may hold significant value due to their age—especially if they were made by a notable brand or craftsman.

While not required, we strongly recommend you visit your jeweler for an updated appraisal every two years. Jewelry fluctuates in value over time due to changing market conditions. If something happens to your jewelry and your appraisal is outdated, your item may be insured for less than its replacement value.

Most possessions will reliably decrease in value over time – but fine jewelry is different. Like fine wine, jewelry tends to age well. Although the value of precious metals fluctuates over time—and even from one day to the next—gold jewelry often increases in value.

You see, while most jewelry does depreciate over time, it depreciates at different rates. Jewelry is, of course, a valuable commodity, sometimes used as currency and often passed down as an heirloom. This only applies to high quality jewelry, though.

Investment-worthy jewelry typically includes items made from precious metals like gold and platinum, as these materials tend to retain their value over time. Gemstones such as diamonds, sapphires, and rubies are also known for their enduring appeal.

Precious metals such as platinum and gold are safe-haven assets. Fine jewellery pieces, set with high-quality diamonds and other precious gemstones, combine aesthetic appeal with inherent value, also making them excellent investment choices.

The value of your jewellery can change and so it may be worth items valued every two to five years. This is particularly important if you want your insurance to remain valid, as some insurers will state that you need a valuation every so often to maintain cover.

Jewelry fluctuates in value! The older the appraisal the less accurate the value it lists. This is almost always less than what you should be insuring your jewelry for. Insurance companies and appraisers recommend updating jewelry appraisals every two to three years.

Yes, they are accurate–but they can still vary, and they are likely to vary from an offer too. Although an appraisal may guide the price of an offer, a buyer will still try to get the best deal, so they may offer less for their own reasons.

What jewelry has the best resale value? ›

Resale Value. Generally, when you sell pre-owned fine jewelry, you can expect to get around 20 to 50% of the original purchase price. There are a few exceptions to this range. For example, very rare and highly desirable pieces may fetch a higher price.

Investing in jewelry can offer excellent returns and a sizeable profit. However, this investment might not always be worth it. If you're serious about building a profitable portfolio, you need to check out fine wine! This asset usually outperforms jewelry pieces, stocks, mutual funds, and other assets.

The average price of a 1 carat diamond is currently $4,048 (see price chart below). 1 carat diamonds can cost anywhere from $1,316 - $9,511 depending on the diamond's shape, color, clarity, and other factors.

Data shows the prices of diamonds over the past ten years have increased by approximately 32-33%, giving it an average of 4% every year.

Average melee diamonds are worth around $300 per carat, while those of higher clarity of VVS and higher D color, E color, or more, can cost around $500-800 per carat.

High-quality jewelry, especially with fine and rare gemstones, has a high resale value and usually does not lose value. Jewelry a fairly liquid investment that you can sell at any time. If you invest in high-quality genuine jewelry, you can even achieve high returns.

Jewelry resale value: resale mark-ups

Generally, these markups can range from 100% to 300%. Unfortunately, you can expect to receive anywhere from 15% to 50% back of what you originally for your jewelry, depending on its brand, quality, and market demand.

Investing in jewelry can offer excellent returns and a sizeable profit. However, this investment might not always be worth it. If you're serious about building a profitable portfolio, you need to check out fine wine! This asset usually outperforms jewelry pieces, stocks, mutual funds, and other assets.

Any of the 'precious' gemstones will likely be a good investment over the long term, providing you buy at the right price. Typically these are sapphire, ruby and emerald, but others than can be included are Alexandrite, Tsavorite, Tanzanite, Aquamarine, Spinel and Zircon.