Economy
Should I Invest in Diamond Jewelry?
Jewelry made of diamonds has long been seen as a representation of class, wealth, and unfading beauty. Many people are enticed by the idea of owning exquisite diamond pieces, whether it’s on a sparkling engagement ring or a dazzling necklace.
However, when it comes to investing in diamond jewelry, one might wonder if it is a wise financial decision. It is crucial to comprehend the variables that affect diamond jewelry’s worth before adopting it as a form of investment.
This article will answer the question, “Should I invest in diamond jewelry” by stating why you should buy diamond jewelry, and the reasons why investing in diamond jewelry is a good idea.
Additionally, this post will discuss the factors influencing the investment value of diamond jewelry, the risks associated with investing in diamond jewelry, and the things to do before investing in diamond jewelry, to enable you to make an informed decision.
Let’s dive into the details right away!
Why Buy Diamond Jewelry?
Buying diamond jewelry is a good investment because diamonds have a timeless appeal that makes them highly sought after in the world of jewelry. Their exquisite beauty, durability, and rarity contribute to their high value. Owning diamond jewelry allows you to enjoy not only the aesthetic pleasure it brings but also the potential investment returns it may offer.
Diamonds are considered a store of value and have historically held their worth over time. Unlike other luxury goods that may depreciate, well-maintained and high-quality diamond jewelry can retain or even appreciate.
Reasons Why You Should Invest in Diamond Jewelry
Here are several compelling reasons why diamond jewelry is an attractive investment option:
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Diamond jewelry pieces are tangible and portable assets
Diamond jewelry is a tangible asset that you can physically possess and enjoy. Unlike other forms of investments that exist solely on paper or in digital form, diamond jewelry provides a sense of ownership and can be easily transported.
Check this catalog of mensweddingbands for a list of men’s wedding rings with gem engravings – like diamonds, which you can use for your engagement or wedding.
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Diamond jewelry has a long-term value
Diamond jewelry has shown a history of long-term value appreciation. Over time, high-quality diamond jewelry has the potential to increase in value, especially those that possess exceptional characteristics such as large carat size, excellent cut, clarity, color, and unique designs.
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High demand and desirability of diamond jewelry
Diamonds have a universal appeal and enduring demand. They are in demand for a variety of occasions, such as engagements, marriage ceremonies, anniversary celebrations, and many other events. The global demand for diamond jewelry ensures a robust market, which can positively influence the value of your investment.
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Diamond jewelry holds emotional and sentimental value
Diamond jewelry holds emotional significance and sentimental value. People can pass it down through generations, symbolizing cherished memories, family traditions, and important milestones. The emotional value associated with diamond jewelry adds an intangible aspect that enhances its worth beyond monetary considerations.
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Diamond jewelry pieces are rare and exclusive
The rarity and limited supply of high-quality diamond Jewelry contribute to their value. As the world’s diamond mines continue to deplete, the scarcity of these precious gemstones keeps driving up their prices.
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Diamond jewelry is a means of wealth creation through portfolio diversification
Including diamond jewelry in your investment portfolio can contribute to diversification. Diamond jewelry is an alternative asset class that has historically exhibited a low correlation with other financial instruments such as stocks or bonds. Diversifying your investment by investing in diamond jewelry can help you to reduce risk and potentially enhance overall portfolio performance.
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For personal pleasure
Unlike many other investments, diamond jewelry offers the opportunity for personal enjoyment. You can wear and showcase your investment, experiencing the beauty, elegance, and sophistication of diamonds firsthand.
Factors Influencing the Investment Value of Diamond Jewelry
Here are several key factors that influence the investment value of diamond jewelry;
Diamond scarcity
The rarity and scarcity of certain diamonds can drive up the value of diamond jewelry. Diamond jewelry pieces that possess exceptional qualities, such as large diamond carat sizes, flawless clarity, and vivid colors, are often highly sought after by collectors and investors.
Quality and craftsmanship of the diamond jewelry
The quality of a diamond, including its cut, clarity, color, and carat weight, plays a crucial role in determining the value of diamond jewelry. Additionally, the craftsmanship of the jewelry piece itself, including the design and setting, can enhance its desirability and worth.
Historical significance and provenance of the diamond jewelry
Diamond jewelry with historical significance or a notable provenance can hold significant value. Jewelry pieces worn by celebrities, royalties, or associated with important events often command higher prices due to their unique stories and cultural relevance.
Risks Involved in Investing in Diamond Jewelry
Even though diamond jewelry gives a good ROI (Return on Investment), it is vital to be aware of the risks involved in investing in them. Mentioned below are some of these risks:
The volatility of diamond jewelry prices
One risk involved in investing in diamond jewelry is price volatility. Due to a variety of circumstances, such as shifting dynamics between supply and demand, the state of the economy, and the market condition, the price of diamond jewelry might fluctuate. Bear that in mind before buying diamond jewelry for investment purposes.
Illiquidity and resale challenges
Compared to other investment assets, diamond jewelry can be relatively illiquid. Finding a buyer at the desired price and time may prove challenging. Additionally, the resale value of diamond jewelry may be lower than the original purchase price due to factors such as market conditions and changing consumer preferences.
Counterfeit diamond jewelry
The presence of counterfeit diamond jewelry in the market poses a risk to buyers. It is essential to purchase diamond jewelry from reputable sources and ensure proper certification to authenticate the diamonds’ quality and origin.
Steps to Take Before Buying Diamond Jewelry
To make an informed decision about investing in diamond jewelry, consider the following steps:
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Consult with diamond jewelry experts
Seek guidance from reputable jewelers, gemologists, or financial advisors who specialize in diamond jewelry investments. Their knowledge can assist you in navigating the market’s complexity and selecting diamond jewelry wisely.
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Conduct independent study and self-education
Take the time to educate yourself about diamond jewelry, its grading standards (4Cs), market trends, and the factors influencing its value. You can make more beneficial choices when purchasing diamond jewelry if you are well-informed and did your homework.
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Create a spending budget
Come up with a spending budget that is in line with your financial objectives and risk tolerance. Determine the amount you are willing to invest in diamond jewelry without jeopardizing your overall financial well-being.
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Establish personal preferences
Consider your or your partner’s (if you’re buying for her) personal preferences when selecting diamond jewelry. Investing in diamond jewelry that you genuinely appreciate and enjoy wearing can provide added value beyond financial returns.
FAQ
Can I sell diamond jewelry at a profit?
It is possible to sell diamond jewelry at a profit, but the resale value may be influenced by factors such as market conditions, the quality of the diamond on the jewelry, and consumer preferences. The timing and circumstances of the sale can also impact the potential profit.
Conclusion
Investing in diamond jewelry can be an alluring prospect, combining beauty, emotional value, and potential financial gains. However, it is crucial to approach diamond jewelry investments with careful consideration, research, and expert guidance.
By understanding the market dynamics, evaluating the quality and rarity of diamond jewelry, and assessing potential risks, you can make an informed decision when you want to invest in diamond jewelry.
By Adedapo Adesanya
The United Kingdom via the British High Commission in Abuja has launched two flagship economic reform programmes – the Nigeria Economic Stability & Transformation (NEST) programme and the Nigeria Public Finance Facility (NPFF) -as part of efforts to support Nigeria’s economic reform and growth agenda.
Backed by a £12.4 million UK investment, NEST and NPFF sit at the centre of the UK-Nigeria mutual growth partnership and support Nigeria’s efforts to strengthen macroeconomic stability, improve fiscal resilience, and create a more competitive environment for investment and private-sector growth.
Speaking at the launch, Cynthia Rowe, Head of Development Cooperation at the British High Commission in Abuja, said, “These two programmes sit at the heart of our economic development cooperation with Nigeria. They reflect a shared commitment to strengthening the fundamentals that matter most for our stability, confidence, and long-term growth.”
The launch followed the inaugural meeting of the Joint UK-Nigeria Steering Committee, which endorsed the approach of both programmes and confirmed strong alignment between the UK and Nigeria on priority areas for delivery.
Representing the Government of Nigeria, Special Adviser to the President of Nigeria on Finance and the Economy, Mrs Sanyade Okoli, welcomed the collaboration, touting it as crucial to current, critical reforms.
“We welcome the United Kingdom’s support through these new programmes as a strong demonstration of our shared commitment to Nigeria’s economic stability and long-term prosperity. At a time when we are implementing critical reforms to strengthen fiscal resilience, improve macroeconomic stability, and unlock inclusive growth, this partnership will provide valuable technical support. Together, we are laying the foundation for a more resilient economy that delivers sustainable development and improved livelihoods for all Nigerians.”
On his part, Mr Jonny Baxter, British Deputy High Commissioner in Lagos, highlighted the significance of the programmes within the wider UK-Nigeria mutual growth partnership.
“NEST and NPFF are central to our shared approach to strengthening the foundations that underpin long-term economic prosperity. They sit firmly within the UK-Nigeria mutual growth partnership.”
By Aduragbemi Omiyale
A strategic partnership aimed at accelerating the growth, digital capacity, and sustainability of Nigeria’s 40 million Micro, Small and Medium Enterprises (MSMEs) has been signed by MTN Nigeria and the Small and Medium Enterprises Development Agency of Nigeria (SMEDAN).
The collaboration will feature joint initiatives focused on digital inclusion, financial access, capacity building, and providing verified information for MSMEs.
With millions of small businesses depending on accurate guidance and easy-to-access support, MTN and SMEDAN say their shared platform will address gaps in communication, misinformation, and access to opportunities.
At the formal signing of the Memorandum of Understanding (MoU) on Thursday, November 27, 2025, in Lagos, the stage was set for the immediate roll-out of tools, content, and resources that will support MSMEs nationwide.
The chief operating officer of MTN Nigeria, Mr Ayham Moussa, reiterated the company’s commitment to supporting Nigeria’s economic development, stating that MSMEs are the lifeline of Nigeria’s economy.
“SMEs are the backbone of the economy and the backbone of employment in Nigeria. We are delighted to power SMEDAN’s platform and provide tools that help MSMEs reach customers, obtain funding, and access wider markets. This collaboration serves both our business and social development objectives,” he stated.
Also, the Chief Enterprise Business Officer of MTN Nigeria, Ms Lynda Saint-Nwafor, described the MoU as a tool to “meet SMEs at the point of their needs,” noting that nano, micro, small, and medium businesses each require different resources to scale.
“Some SMEs need guidance, some need resources; others need opportunities or workforce support. This platform allows them to access whatever they need. We are committed to identifying opportunities across financial inclusion, digital inclusion, and capacity building that help SMEs to scale,” she noted.
Also commenting, the Director General of SMEDAN, Mr Charles Odii, emphasised the significance of the collaboration, noting that the agency cannot meet its mandate without leveraging technology and private-sector expertise.
“We have approximately 40 million MSMEs in Nigeria, and only about 400 SMEDAN staff. We cannot fulfil our mandate without technology, data, and strong partners.
“MTN already has the infrastructure and tools to support MSMEs from payments to identity, hosting, learning, and more. With this partnership, we are confident we can achieve in a short time what would have taken years,” he disclosed.
Mr Odii highlighted that the SMEDAN-MTN collaboration would support businesses across their growth needs, guided by their four-point GROW model – Guidance, Resources, Opportunities, and Workforce Development.
He added that SMEDAN has already created over 100,000 jobs within its two-year administration and expects the partnership to significantly boost job creation, business expansion, and nationwide enterprise modernisation.
By Adedapo Adesanya
The Nigerian Exchange (NGX) Limited is seeking review of the controversial Capital Gains Tax increase, fearing it will chase away foreign investors from the country’s capital market.
Nigeria’s new tax regime, which takes effect from January 1, 2026, represents one of the most significant changes to Nigeria’s tax system in recent years.
Under the new rules, the flat 10 per cent Capital Gains Tax rate has been replaced by progressive income tax rates ranging from zero to 30 per cent, depending on an investor’s overall income or profit level while large corporate investors will see the top rate reduced to 25 per cent as part of a wider corporate tax reform.
The chief executive of NGX, Mr Jude Chiemeka, said in a Bloomberg interview in Kigali, Rwanda that there should be a “removal of the capital gains tax completely, or perhaps deferring it for five years.”
According to him, Nigeria, having a higher Capital Gains Tax, will make investors redirect asset allocation to frontier markets and “countries that have less tax.”
“From a capital flow perspective, we should be concerned because all these international portfolio managers that invest across frontier markets will certainly go to where the cost of investing is not so burdensome,” the CEO said, as per Bloomberg. “That is really the angle one will look at it from.”
Meanwhile, the policy has been defended by the chairman of the Presidential Fiscal Policy and Tax Reforms Committee, Mr Taiwo Oyedele, who noted that the new tax will make investing in the capital market more attractive by reducing risks, promoting fairness, and simplifying compliance.
He noted that the framework allows investors to deduct legitimate costs such as brokerage fees, regulatory charges, realised capital losses, margin interest, and foreign exchange losses directly tied to investments, thereby ensuring that they are not taxed when operating at a loss.
Mr Oyedele also said the reforms introduced a more inclusive approach to taxation by exempting several categories of investors and transactions.
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