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How to Determine the Kind of Jewelry You Should Buy

Men and women love accessories. Jewelry, in particular, has a huge demand. Some pieces, such as diamond and gold, are more expensive than others because of their increasing value. People often invest in fine jewelry as they would in real estate properties because these can be sold or pawned in case of emergencies.

The next question is, how do you know what kind of jewelry you should buy? In this article, we’ll talk about the different considerations in determining what type of jewelry you should purchase. By the end of this, you should be able to discover the jewelry type that suits you best.

Here are some tips on choosing:

Research Trends

If you’re the type who wants to buy jewelry for fashion, the first tip is to research the coming trends. You can choose your jewelry according to the dress that’s this season’s trend, or according to the hat styles, sunglasses and makeup look. It’s an excellent tip to remember when you’re just looking for jewelry to complement your OOTD or outfit of the day.

Many resources talk about luxury brands and current trends. If you’re looking for jewelry that will go well with this season’s latest styles, you can read blogs like the Materialist.


If you’re not buying fine jewelry for fashion’s sake, you can set a budget. Jewelry can be quite expensive, but there are different options available to suit your monetary limits. You can get jewelry in installment plans, or you can choose one that’s not too pricey. However, you have to remember that the more expensive a jewelry piece is, the more likely its value will increase over time. 

If you’re working around a tight budget for a present or just a keepsake, you can sacrifice the specifics for its aesthetics. Remember that you can substitute 18K gold with 14K gold, and your recipient would still appreciate it. You shouldn’t buy jewelry that’s above your means because it could pose a risk in the future.

Diamond 4 Cs

You might also want to consider diamonds as part of your selection. Diamonds are also valuable, and they have different grades that reflect their value. If you plan on getting an engagement ring or wedding ring, you might want to educate yourself more on diamonds and how valuable they are.

Here are the 4 Cs you can take note of:

1. Color

There are a lot of diamond colors available in the market. People grade pure white or colorless as the most valuable of them all. The diamond color classifications grade A to D are colorless diamonds, and they are the most expensive. Grade E to I are diamonds that appear white, but they are more common and affordable, grade J colors are slightly yellow.

On the other hand, naturally-occurring fancy diamond colors are getting expensive. If you want a colored diamond, you can get color treatments that would cost less than a naturally-colored one.

2. Carat

There is very little difference in the aesthetics, but there’s a massive difference in price. For example, you have your eye on a diamond that weighs 1.2 (1 1/5) carat, try to see how it looks like next to a 1.1 (1 1/10) carat. You can shave off hundreds of dollars, but you still get similar-looking diamonds.

3. Clarity

Diamonds are gems, and they have their flaws. The clarity scale grades them from flawless to most flawed. Their imperfections or blemishes are called inclusions. Flawless diamonds are the most expensive, but those with additions are still valuable. The scales are graded as F or flawless, IF or Internally flawless up to I or Included that has three levels.  

It’s hard to check a diamond yourself for inclusions. You can’t spot these imperfections easily without a jewelers loupe. If you want to save on cost, you might want to consider getting an SI1 or SI2 because the naked eye can’t see their imperfections. While clarity is not always a major consideration, it’s important to know what the grades mean.

4. Cut

Among the previous Cs discussed, the diamond’s cut is the most difficult to put into standards. Sometimes, they cut the diamond in a way that it’s heavier; and other times, it’s reduced to leave out the imperfections. The lights or the reflection of lights often affect the evaluation of the diamond’s cut. The scintillation, fire, and brightness play their part in proving the value of the cut. The diamond can be evaluated from ideal or near ideal to poor.

With the 4Cs in mind, here are some tips on buying a diamond:

  • You can get a beautiful diamond by focusing on the cut and lowering your clarity and color scales
  • You can get a large diamond that’s lightweight, with more imperfections
  • You can also get a smaller diamond with ideal or near-ideal cut evaluation, which would focus on the beauty of the diamond instead of its size.

Skin Tone

The last consideration would be how the jewelry looks on the wearer. First, you need to determine your skin tone, whether it’s neutral, cool, or warm. Then, you can select the jewelry according to the tone.

Here are some tips:

  • People with cool tones look good in light metals like platinum, silver, and stainless steel. They also look good in bright gems like green, blue, red, or purple.
  • People with warm tones look good in brass, copper, gold, and rose gold jewelry. They also look great in gems with earthy colors such as orange, yellow, brown, and turquoise.
  • People with neutral skin tones look good in any metal or with any gem.

Final Thoughts

You can consider the right kind of jewelry as investments. Much like real estate, you can resell your jewelry in the future. Jewelry with precious gems like diamonds and rubies have higher worth than some. If you’re thinking about investing in ornaments, you have to be more selective about the components and features of the metals and gems.