Solid gold jewelry may not give you the same return as gold bars—but you can’t wear gold bars on your ears.
Introduction
With gold prices at record highs (hovering above $3,000 per ounce as of March 25, 2025), it’s tempting to see every gold item as an investment opportunity. But when it comes to gold jewelry, it’s important to be realistic: buying jewelry purely as an investment isn’t the most financially efficient way to own gold.
Why? Because unlike gold bars or coins, jewelry comes with added value, such as design, craftsmanship, and wearability. But that’s what makes it so special.
Why Gold Jewelry Isn't the Best Investment—on Paper
Craftsmanship Comes at a Cost
Gold jewelry includes the cost of design, labor, branding, and finishing. You're not just paying for raw metal—you're paying for beauty, artistry, and experience.
Resale Values Vary
Unlike bullion with universally set prices, resale value for jewelry can fluctuate based on provenance, weight, branding, and even style trends—unless you're selling it purely for its gold weight.
So no, gold jewelry will not beat your ETF or bullion bar in strict investment return.
But Here’s What Gold Jewelry Can Do Better Than Any Other Asset
It brings joy, meaning, and tangible value—every single day.
You Can Wear It for Years
Unlike gold bars that sit in a safe, solid gold jewelry is something you enjoy every day. It becomes part of your identity—your story.
It Still Holds Real, Resellable Value
Solid gold jewelry (like 14k or 18k) can be easily sold at local gold exchanges. Even with scratches, wear and tear, or years of daily use, it retains value because gold is typically bought by weight, not condition. In contrast, luxury handbags and most fashion accessories lose significant value when they show signs of wear. Gold jewelry, on the other hand, remains a tangible asset you can wear and resell whenever you need.
It’s an Heirloom in the Making
A pair of gold huggie hoops gifted for a milestone birthday. Dainty everyday earrings that become a signature look. These are the pieces that quietly collect stories over time. Jewelry—especially earrings worn close every day—carry emotion, memory, and legacy. That’s the kind of value that never depreciates.
How to Choose Jewelry That Holds Value Over Time
Prioritize Purity
Look for 14k or 18k solid gold—not gold-plated or vermeil. If you're unsure about what you’re buying, our guide on how to be an informed gold jewelry buyer breaks down what really matters when it comes to quality and karats.
Stick to Timeless Designs
Pieces like classic hoops, flat back studs, ear chains, and dainty chain necklaces never go out of style. These essentials are not only versatile for everyday wear but also hold their appeal—and value—long term.
Choose Quality Craftsmanship
From secure closures to precise finishing, well-made jewelry will last longer and look better over time.
Keep It Beautiful: Caring for Your Gold
To make your gold jewelry last—and hold its resale value—care is key:
- Clean regularly with mild soap and a soft cloth
- Avoid contact with harsh chemicals
- Store pieces separately to prevent scratching
- Get clasps and prongs checked if worn often
If you're wearing earrings every day, like our huggies or flat backs, check out our tips for caring for your huggie hoop earrings to keep them looking their best.
Final Thoughts
Gold jewelry may not be the smartest “investment” in the traditional sense—but it’s one of the most meaningful ways to hold wealth.
It won’t beat bullion in returns. But no other asset can be worn daily, cherished for a lifetime, passed on with love, and still cashed in if needed.
Because sometimes, the best investments aren’t the ones with the highest returns—they’re the ones that make you look damn good.
Disclaimer: This article is for informational purposes only and reflects personal opinions. It should not be considered financial or investment advice.
