Ever wonder if a piece of jewellery that has been passed down your family for generations is secretly a valuable nest egg in disguise? As jewellery experts, we often get asked if jewellery appreciates and tips for spotting valuable jewellery that will one day appreciate. Keep reading to discover if you have a remarkable piece of jewellery collecting dust in your attic that you can turn into serious cash as well as what characteristics to look for when shopping for investment quality jewellery.

You may want to clean out your jewellery box. Before committing to investment jewellery, you must understand the quality and durability of fine jewellery such as wedding rings or engagement rings. Specifically, that makes it a worthy acquisition.

How well jewellery holds its value depends on several factors, mainly the materials used to craft. However, most jewellery pieces hold their value. The high demand for diamonds helps your jewellery remain valuable and profitable if you ever want to resell it.

Does jewellery appreciate?

Unfortunately, the answer to this question is not cut and dry. Depending on the jewellery, you may be looking at the stellar cache of funds or only getting back a mere fraction of what you originally paid.

We all know that luxury jewellery and diamonds are a status symbol. Still, the truth is that we have this global understanding of its high value because of clever marketing campaigns.

In the late 1800s, diamonds were incredibly rare and expensive. However, once diamond mines were discovered in South Africa, diamond distribution became tightly controlled by the De Beers group. De Beer’s only allowed a certain number of new diamonds to enter the market each year to create the appearance of scarcity and maintain high diamond prices.

While your diamond jewellery may have been sold to you as a rare find, in reality, there are plenty of other pieces of jewellery mass-produced to be just like it. Only truly scarce jewellery with outstanding craftsmanship and adornments are going to net you a profit.

Jewellery Resale Value

Anyone who has resold jewellery can tell you about the major shock they experienced when they first heard offers. Most of the jewellery sold to you by local jewellers and major brands have massive markups.

Jewellers mark up their jewellery to cover their rent, employee wages, bills, and desire to profit. 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 paid for your jewellery, depending on its brand, quality, and market demand.

When you are selling jewellery, you will either be paid:

  1. For the jewellery’s intrinsic value such as its metal and gemstone weight.
  2. For the jewellery’s value as a branded piece, such as a high-quality Tiffany ring (which is typically worth more than the piece’s intrinsic value because of the brand name).

Even diva Mariah Carey is not exempt from steep jewellery store markups. In 2018, the singer sold her gorgeous 35-carat emerald cut diamond engagement ring from ex-fiancé James Packer for a mere $2 million when it was estimated to have originally cost $10 million.

What type of jewellery holds its value?

Palladium jewellery

Palladium is a naturally-occurring precious metal. It is naturally white, and it belongs in the platinum metals group of metals.

Palladium (Pd) was discovered in 1803, and the one thing you may not know is that Palladium is one of the rarest metals, even rarer than platinum and gold. The use of palladium in jewellery first happened during WWII when an alternative metal was required since platinum and most other important metals (for war applications) were used in the war.

Since then, palladium jewellery has been on the market, but it is important to note that palladium jewellery is and will never be as common as gold, sterling silver, or platinum jewellery to the fact that palladium is very rare.

However, if you are looking for good jewellery that would make a good investment option because it appreciates and worth your money, then palladium jewellery would make a good choice for you.

The manufacturing process for palladium jewellery meets the industry’s standards’ best, adhering to 95% purity. The remainder featured added ruthenium, along with other practical and hypoallergenic metals that result in a high level of consistency and hardness.

Palladium is a hypoallergenic metal, which means that palladium jewellery is ideal for persons with sensitivity issues. It is strong, and though not as heavy or dense as platinum, it’s lighter, and it will not lose its shiny white brilliance after a short time. Palladium is 12% harder than platinum, and this means that the palladium ring will last longer, and you won’t have to worry about scratches.

Out of all the other precious metals, palladium is today one of the most valuable metals.

Besides being a high-quality lustrous metal that makes the best quality jewellery, the value of palladium has been going up because of its positive effects on the environment and the fact that it turns the toxic pollutants from cars’ exhaust systems into safer carbon dioxide plus water vapour.

Platinum jewellery

Platinum is the other metal that holds its value, whether it’s used for jewellery or in other applications. Platinum is up to 15 times rarer than gold, and it’s quite versatile, finding uses in many areas.

Though dense, it can be manipulated easily. The best part is that, despite numerous manipulations, platinum is quite durable, resisting wear and tear forces while also being scratch resistant. And thanks to all the platinum features, it boasts a high value, and you won’t have to worry about platinum’s value crashing in an instant.

Note that platinum jewellery’s value varies depending on the percentage purity of platinum, and the lowest percentage purity for platinum is 85%, while the highest purity level is 90%.

Some of the reasons why platinum jewellery holds onto its value have to do with the fact that the metal is rare, it is a high-strength metal that doesn’t expand when exposed to heat, it is hypoallergenic, it’s also tarnish-free, and a good choice for persons with allergies and skin sensitivities. It also develops a beautiful patina over time.

Diamond jewellery

While diamonds do not always appreciate, the jewellery will often retain their market value consistently. There are also cases where the value of the diamond jewellery will go up.

In most cases, however, the finite supply of diamonds means that the metal will not lose its value but retain the market value.

However, keep in mind that whether the diamond jewellery you buy loses or gains value will depend on where and how you bought the diamond.

You also need to avoid the lab-grown diamonds if you want to end up with a valuable diamond.

Gold jewellery


Gold is beautiful, versatile, unique, and one of the most beautiful jewellery types on the market today, and it’s also one of the jewellery designs that hold value.

Gold is valuable. Depending on the percentage purity, the gold piece’s value will retain its value over time, but what you get out of the investment will depend on the percentage purity of the gold. The market and the laws of demand and supply will determine how much you get from your investment in gold.

Gold jewellery has a high resale value. Unlike other precious metals or stones, the demand for gold does not fluctuate. Its value has gradually increased over time.

For instance, the value of gold has had an increase of about 176 per cent since 1975. When shopping for gold pieces, look for items above 18 karats. When you want to resell your item, you need to pick a good time. Follow the market prices to ensure you get the best value.

Silver jewellery

Sterling silver jewellery is also beautiful and valuable, with the silver jewellery changing depending on the percentage of pure silver in the jewellery.

High-quality sterling silver retains its value as it boasts the highest possible level of purity for silver at 92.5%. The market largely determines the value of the sterling silver jewellery.

Vintage Jewelry

The period that jewellery is created Is not only sorted but valuable. The most needed vintage jewellery prices have increased by 80 per cent in the past few years. The value of vintage and antique jewellery does not fluctuate greatly.

In most cases, older pieces may even appreciate it. So shop the different pieces and hold on to them until you get a solid offer. Two vintage jewellery brands that hold their value include Cartier and Tiffany.

Cartier jewellery has been known to have a resale value higher than the original price tag in auctions. Vintage design jewellery has a high resale value, especially those that have the brand name stamped on them.

Brand Names with Power

Jewellery does not have to be encrusted with precious stones to be a worthy investment. Names like Channel are recognizable brands that increase the piece’s overall value, and the resale value increases over time.

Similarly, Cartier jewellery appreciates over time. The high-quality materials, together with the respected brand name, infer that Cartier pieces are valuable and have a high resale value.

Additionally, unbranded pieces can still retain their luxury value. For instance, natural pearls are increasing in value over cultured pearls. Older jewellery with a substantial stone can be sold and reset in a new style to appeal to contemporary tastes can be mainly valuable.

Diamond Jewelry

Diamonds have been in high demand for centuries, regardless of the economic factors taking place in society. These shimmering pieces are worth a great deal in loose form or when set in a piece of jewellery.

Quality and size increase the value of a diamond jewellery piece. The big high-end diamonds are valuable due to their greater clarity, lesser flaws, and exceptional size.

Additionally, high end coloured diamonds such as elegant pink stones are rare and tend to increase in value over time. Diamonds with unusual colours normally have a high return value as they are hard to find.

Jewellery that not holds its value for long

Alloy jewellery

While jewellers often add different metals to the main metal, either to improve durability or strengthen the metal, creating an alloy, this alloy is pretty much an impure metal. Though versatile, the alloys do not hold their value for long.

The alloys often tarnish, and constant care will affect the value of the jewellery.

Stainless steel jewellery

Stainless steel is one of the most common and the most affordable metals used for jewellery on the market today. It has recently gained popularity in the jewellery world because of its hypoallergenic, especially if one opts for the surgical-grade jewellery.

Its features make it a valuable commodity, but you cannot get much by selling used stainless steel jewellery, meaning that this is not the best investment option for you if you need to make money from your jewellery investment.

Also, stainless steel jewellery is cheap, and since you are buying the jewellery affordably, you really can’t expect much from the purchase.

Leather jewellery

Leather jewellery is unique and beautiful, but leather doesn’t last forever, especially if you wear jewellery every day, which means that you should avoid leather jewellery if you wish to invest in jewellery.

Tungsten jewellery

Tungsten jewellery is beautiful and capable of retaining its shape and colour for as long as 30 years. Its durability is one of the reasons why tungsten rings are common today, and they symbolize love.

It is up to 5x harder than stainless steel and up to 4x harder than titanium, meaning that it won’t lose its lustre or get scratched.

Unfortunately, reselling this jewellery might not be your best move since it won’t fetch much on the market.

Titanium jewellery

Titanium jewellery is touted as one of the best kinds of jewellery one could buy because of its biocompatibility and the fact that it will not lose its shine while preventing metal allergies.

These features, along with Titanium’s durability, make it one of the expensive kinds of jewellery. The jewellery will last forever, and it won’t lose its original lustre, meaning that it would be a good investment if you want to buy jewellery that will stay in the family for a long time.

However, its resale value isn’t high, and it loses value after some time, meaning it won’t fetch the same or more than what you bought it when you choose to sell it.

To Learn the Resale Value of the Jewelry, You Need to Know the Following Terms

Market Value

The market value of jewellery is based on the cost of labour and materials to make jewellery.

Market value is how much retailers pay manufacturers to sell their products in their stores. The market value price is slightly higher than the cost of raw materials and labour to make money.

Retail Value

Just like a manufacturer up the price of jewellery when selling to a retailer, retailers increase the price when selling to the general public. The retail value is the cost people see online or in-store.

Just like all businesses, jewellery stores have to cover their costs and make a profit. That means the retail price is higher because it covers business expenses like employee wages and marketing.

The retail value fluctuates and is more dependent on trends, style, and brand name than market value. The market value is fixed and based on the cost to buy materials and produce the jewellery piece.

Appraisal Value

Most people don’t realize there are multiple appraisals, and it is important to get the right type for your situation. The most common appraisal, called an Insurance Appraisal, is the cost it would take your insurance company to compensate you for lost or stolen jewellery.

That goes beyond what the jewellery is made from, and may include extra compensation for sentimental pieces or loss of an heirloom. There is nothing wrong with buying jewellery pieces. Go ahead and buy them if you are fond of wearing them or as a gift for your loved ones.

Regardless of monetary value, your jewellery has an intrinsic worth that money cannot buy. The piece is representative of a moment in time that you will cherish forever. 

Most importantly, it will always hold a sentimental value that will increase as it is passed along to future generations of your family. But, if you ever lose your job, become widowed, or need money after a divorce, your fine jewellery can be resold for a nice profit.

How to Increase the Resale Value of Your Jewelry?

Clean Your Jewelry

You need jewellery to be appraised at its best price. You should make an effort to clean your jewellery and make any repairs that are needed without interfering with the original jewellery’s integrity.

Do Enough Research

Some jewellery pieces have serial numbers. Therefore, you should be able to find the precise model and get adequate information about the manufacturer. There is a big advantage of having enough information about your specific jewellery item.

Decide Where You Want to Sell the Jewelry

A piece of jewellery could be worth a certain amount at an auction and a different amount at a pawnshop. Select your ideal buyer carefully and also consider the time frame in which you sell your piece.

If you care for your pieces and keep these factors in mind, there’s no reason to fear them losing too much value. However, remember why you buy jewellery in the first place. It’s not so that you can resell it later! If an investment is what you’re looking for, turn to the stock market. Jewellery’s ability to hold its value makes it a nice asset to rediscover during tough financial times, but that doesn’t mean that it makes sense to go out of your way to “invest” in jewellery or use jewellery’s resale value to justify overindulging at your jewellery store in the near-term. Keep enjoying your passion, but keep making smart financial decisions!

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