The 7 Jewellery Investment Pieces Every Woman Needs

From subtle to statement, gemstones, pearls and beyond. Think of this list as your guide to building a jewellery capsule wardrobe.

When it comes to fashion, jewellery is unique. It can be worn to any occasion and in any weather. It’s transeasonal, and can just as easily be the hero of your outfit as it can be a finishing touch, helps to tie a look together, and of course, makes a never-fail gift idea. But, where jewellery really shines is that it’s timeless. Plenty of trends come and go, but classic, investment jewellery is forever. The right jewellery will serve you for seasons, years, and sometimes decades to come. What’s not to love?

To help you build your timeless jewellery collection, or if you’re just hoping to refine it, you’re in luck. We’ve narrowed down an infinite list of pieces to bring you the seven investment jewellery pieces you’ll ever need.

Feeling inspired to build your accessories collection? From metallic marvels to knee-high boots, tiny bags and beyond, discover the Must-Have Shoes And Accessories Of 2024.


1. Hoop Earrings

Start building your timeless jewellery collection with a certified classic; a pair of hoop earrings. Hoops are one of those fashion wonders that can effortlessly transition from day to night, casual to formal, boardroom to bar, and through every dress code on your calendar. Whether you’re a silver or a gold jewellery person (read our guide to choosing gold or silver jewellery), you will always appreciate having a pair of small, understated hoops for a subtle touch of elegance. For days or nights, when bold is best, you can also have a pair of oversized hoops handy to add a touch of glamour to any ensemble. Invest in a high-quality pair crafted from durable materials like gold or sterling silver to ensure your treasured hoops last.

2. A Chain Necklace

The next chapter in your investment jewellery journey is a classic chain necklace. Think of your chain necklace as a ‘set and forget’ piece. Whether worn alone for a minimalist aesthetic or layered with other necklaces for a more eclectic finish, a chain necklace is neutral enough to be worn every day but elevated enough to be worn to any occasion. The best chain necklace to invest in should be one with a timeless design, such as a simple gold or silver chain. The thickness of the chain comes down to preference and style; some prefer the delicate nature of a thin chain, while others appreciate the bolder links. Whichever chain size you choose, be sure to look for one in a durable finish like silver, gold or plated.

3. A Delicate Bracelet

If you’ve ever wondered how some celebrities and influences seem to have mastered that ‘put-together’ look, it’s usually a delicate bracelet. Wonderfully understated, yet exceptionally chic, any and all ensembles can be instantly elevated with the addition of a delicate bracelet. For a bracelet with timeless appeal, we suggest looking for a daintier chain with some simple charms. Bangles and cuffs are gorgeous, but you’ll get more wear out of something a little more delicate.

4. A Classic Watch

No jewellery collection is complete without the pinnacle of quiet luxury: a classic watch. A practical yet elegant accessory, nothing says effortless style like a well-chosen timepiece. Some people may prefer to invest in highly-coveted luxury watches, but the casual watch-wearer can still find plenty of affordable, stylish watches to cherish for years to come. Opt for a sleek stainless steel design and scratch-resistant face for maximum durability from a Swiss-based watchmaker like Tissot or Hamilton. We suggest taking your watch to a watchmaker to fit the band to your wrist correctly. After all, this is an investment jewellery piece, so you want to get the most wear out of it. 

5. Coloured Gemstones

Add a pop of colour to your jewellery collection with bold, bright and colourful gemstones. Emerald, amethyst, ruby, lapis lazuli – there’s a world of stunning gemstones out there to explore with your jewellery. The key to finding a wearable gemstone collection is to look for a classic design. Simple studs or a single pendant are a great option, as they allow the gemstone’s beauty to take centre stage without looking too costumey. Save these elegant accessories for special occasions, or for when you want a little pop of colour. You can even experiment with colour-matching your gemstones to your outfit. Everything from a subtle nod to a head-to-toe colour moment will inspire your style for seasons to come.

6. Pearls

They may not be your grandma’s pearls, but they’re just as elegant and timeless. Pearls have long been synonymous with sophistication, reserved for only the most stylish of moments and occasions, but now, they’ve quickly become a fashion mainstay favoured by even the most relaxed of designers. Whether in the form of a classic pearl drop earring, a stud, or a strand necklace, you’ll always find an occasion to show off your pearls. Invest in high-quality freshwater pearls or cultured pearls rather than synthetic ones. These natural wonders boast a lustrous sheen, and thanks to their natural durability, are durable enough to stay with you for years to come.

7. A Statement Ring

Last, but not least, no investment jewellery collection is complete without a statement ring. Make a bold statement with a striking cocktail ring that demands attention and adds a touch of drama to your look. Whether decked out with dazzling gemstones, intricate filigree, or bold geometric shapes, a statement ring serves as the exclamation point on any stylish outfit. Choose a design that speaks to your style and can be worn as a standalone piece or stacked with other rings. If you’re a fan of the stacked ring look but prefer to wear less jewellery, look for a statement ring with multiple bands. That way, you get the best of both worlds.

You’ve got your jewellery collection sorted, now it’s time to tackle boots. Knee-high boots, biker boots, loafers & more, meet The Best Winter Boots To Add To Your Wishlist.