The Engagement Ring: A Financial and Emotional Investment

The modern engagement ring isn’t always considered a true investment because of its depreciation after the original sale. However, couples continue to spend outrageous amounts of money on an ornament that is to become the one and only tangible symbol of an emotional commitment. In a fluctuating market based completely on demand, there are several factors to consider guaranteeing the best value for your investment in love.

The value of components, rarity and history determine the worth of an engagement ring. The metal aspect accounts for only 5 to 25 percent of the total value, with yellow and white gold, and platinum being most popular. Platinum is five times more rare and is significantly more durable than gold. It will cost a bit more, but is well worth the investment. Choosing platinum will maximize the value of your ring by resisting wear and ensuring a secure, brilliant setting for your stone of choice.

Opting for an Asscher cut, brilliant oval, or pear shaped like the one pictured here can result in savings at the register.

The center stone is by far the most valuable element in any design, counting for 75 to 95 percent of total worth. Popular carat sizes come with a significant mark up. Staying just shy of common carat sizes will save up to 30 percent. Modern cut, white diamonds have become a bit mundane; instead, think about an orange, pink, green, red or black fancy cut diamond, which are around 1,000 times more rare and expressive.

Other asset worthy rarities to consider are antique, old mine cut and European cut diamonds. Cushion shaped and handcrafted, old mine diamonds are known for their square shape and were popular during the Edwardian and Victorian eras. Round in design, European cut diamonds have deeper proportions and were fashionable during the Edwardian and Art Deco periods.

Materials and workmanship, as well as history and commitment to love are the true measure of a ring’s value. Still, the single best way to invest in an engagement ring is to shop for vintage luxury and estate finds. For specialty pieces that are certain to hold value over time, look to the rich selection of affordable luxury at Braswell and Son.