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Gems of Wisdom: How to Make Intelligent Choices with Jewellery Spending


Jewellery has been cherished for centuries, symbolising love, status, and personal style. Whether it’s a stunning engagement ring, a delicate necklace, or a pair of elegant earrings, jewellery carries both sentimental and financial value. Therefore, it’s important to choose jewellery that enhances your partner’s beauty and expresses their individuality.

In this article, multipl will help you learn how to make informed and intelligent choices when purchasing jewellery.

Establish a Budget

Before stepping into the world of jewellery shopping, it’s important to set a clear budget. Deciding how much you are willing to spend will help you narrow down your options and prevent impulsive purchases. To create a reasonable budget, look into your financial situation, long-term goals, and the purpose of the jewellery (e.g., engagement, anniversary, or personal indulgence).

Jewellery Spends

Define Your Partner’s Style  

Understanding your partner’s style is a fundamental step in making intelligent jewellery choices. Jewellery comes in different styles, from classic and timeless to contemporary and trendy. Take the time to explore their preferences by browsing through magazines, websites, or visiting local jewellery stores. Pay attention to the type of metal, gemstones, and designs that resonate with your partner. This will guide you towards jewellery pieces that align with your partner’s unique taste.

Learn About Gemstones and Metals   

To make informed choices with jewellery spending, it’s important to educate yourself about the materials used in jewellery. Learn about different types of gemstones (e.g., diamonds, rubies, sapphires, emeralds, etc.) and their characteristics, like colour, clarity, cut, and carat weight. Familiarise yourself with metals like gold (yellow, white, and rose), platinum, and silver, considering factors like durability, maintenance, and hypoallergenic properties.

Jewellery Spends

Research the Four Cs

Those planning to buy gemstone jewellery, especially diamonds, the “Four Cs” are crucial factors to understand:

a. Carat Weight: This refers to the size of the diamond or gemstone and directly affects the price. Larger stones cost more.

b. Cut: The cut of a gemstone dictates its sparkle and brilliance. Well-cut stones maximise their visual appeal.

c. Colour: Diamonds are graded on a colour scale from D (colourless) to Z (light yellow or brown). The less colour a diamond has, the more valuable and precious it is.

d. Clarity: Clarity measures the presence of internal or external flaws (inclusions and blemishes). Higher clarity grades indicate fewer imperfections.

Choose Quality over Quantity  

When making intelligent jewellery choices, prioritise quality over quantity. It’s better to invest in a single high-quality piece that you’ll cherish for a lifetime rather than acquiring numerous low-quality items. Quality jewellery not only looks better but also stands the test of time, making it a more cost-effective choice in the long run.

Consider Customisation  

Custom jewellery allows you to create a unique piece that perfectly matches your partner’s preferences and personality. Whether it’s designing an engagement ring or a special gift, working with a reputable jeweller to customise your jewellery ensures that it’s one-of-a-kind and holds sentimental value.

Jewellery Spends

Shop from Reputable Sources  

To confirm the authenticity and quality of your jewellery:

  1. Purchase from reputable sources.
  2. Look for jewellers with a long-standing reputation for integrity, craftsmanship, and customer satisfaction.
  3. Ask for certifications and warranties, especially for high-value items, and read reviews or seek recommendations from friends and family.

Are you dreaming of owning stunning gemstone jewellery from a reputable brand, all while making wise financial investments? Look no further than multipl! We’re here to redefine your shopping experience, offering you incredible savings on gemstone jewellery and the opportunity to invest wisely in mutual funds—all within one powerful app.  

Create your Jewellery Goal today and enjoy up to 8% returns (as per historical data) on your investment upon goal completion. In addition, you can enjoy brand contributions from retailers like Kalyan Jewellers, Giva, BlueStone, Candere, etc., and optimise your savings further. 

Jewellery Spends

Think About Long-Term Value  

Jewellery can be an investment, so think about its long-term value. Classic and timeless pieces often retain their value and can even appreciate over time. Consider whether your purchase will still be desirable and relevant in the future.

Final Words

Making intelligent choices with jewellery spending involves careful consideration of your budget, personal style, and the quality of materials. Remember that jewellery is not just an accessory; it’s a symbol of love, individuality, and personal milestones, making each piece you choose a meaningful investment.

About multipl

multipl is the world’s first “Save Now, Buy Later” app, which helps you spendvest on your lifestyle goals.

Based on the duration, purpose, and risk profile, multipl allocates appropriate assets (mutual funds) in your personalised investment portfolio so you can reach your goal with maximum safety and liquidity. You can create both short-term and long-term savings goals like Gadget Goal, Vacation Goal, Child’s Education Goal, Retirement Savings Goal, Home Down Payment Savings Goal, and many more. In addition, brands contribute with you to save more towards your goals. To learn more, download the multipl app on Android & iOS now! 

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