Is Gold Jewelry a Good Investment? Buyer’s Guide for 2025
In this blog, our gold experts will break down everything starting from the types of gold you should buy as an investor - all the way into breaking down a 10-year rule for smart gold investments.
Let’s break it down.
Is Buying Gold Jewelry a Good Investment in 2025?
The short answer: Yes - “but only if you buy smart.”
Gold prices have soared over 20% in just four months in 2025. Gold hit an all-time high of $3,433.55 in April 2025. And it’s not just a one-off fluke: from 1979 to early 1980 saw a dramatic surge, with the price of gold rising from around $246 per ounce to $850 per ounce. This surge was driven by factors such as high inflation, the Iranian hostage crisis, and the Soviet invasion of Afghanistan, which made gold a sought-after safe-haven asset .
Key takeaway? In times of uncertainty - gold performs far better than other non-investment-grade asset classes.
If you’re wondering whether to buy gold jewelry for beauty or to bank some extra cash in 2025 - this guide is for you.
Why 24 Karat Gold Jewelry is the Best Choice for Your Investment?
24K gold is the purest form of gold used for jewelry (99.9% pure). It’s not infused with other alloys - and that's what investors love about it. It’s the closest thing that can get to investment-grade gold.
Quick Gold Investing fact: If you bought 24k gold in April 2024 at $2,300/oz, you’d be sitting on a 40% gain right now.
Some investors may laugh at you when you tell them that your golden chain is an investment vehicle - that’s because they assume that it’s mixed with other metals. But 24k gold it’s not just jewelry - it's an investment you can wear.
While coins or bars sit in safes, 24K investment-grade gold jewelry lets you enjoy your asset and watch it appreciate.
Here at Yin City Gold, we specialize in pure 24k gold wearable jewelry. Unlike traditional jewelry, it holds value, making it ideal for building an investment portfolio you can pass down.
How to Choose the Right Gold Jewelry for Long-Term Value?
Here’s how to shop smart when investing for gold:
Check purity: Go for 24k or 999 hallmarked gold stamp.
Avoid hefty design charges: These don’t hold resale value.
Use tools like the Yin City Gold jewelry value calculator to estimate real worth.
Choose investment-grade gold jewelry with minimal embellishments.
Bonus tip: Always keep receipts and certification records - in case of resale, these will ensure you won’t get screwed over by the next buyer.
Gold Jewelry vs. Alternative Investment Options: Which Wins?
When comparing gold jewelry to stocks, real estate, or crypto, here’s what stands out:
Liquidity: investment-grade 24k Gold can be sold quickly worldwide.
Tangible asset: Unlike stocks, you can touch and wear it.
Inflation hedge: Gold protects your money's value over time.
Crypto and certain stocks can give higher returns, but with higher risk. Gold brings stability to your portfolio.
Eight Expert Tips to Maximize Returns on Gold Jewelry Investments
If you’re going to invest in gold jewelry, don’t just go for looks -go for value. Here are real strategies to help you wear your wealth and watch it grow
1. Buy 24K Gold Jewelry Only: It Pays the Best Returns
This is rule #1.
24K gold jewelry is 99.9% pure. It holds its weight in value - literally. Lower karats, like 14k or 18k, include other metals, which drag down the resale price. Stick with investment-grade pieces like our gold collection for long-term gains.
2. Time Your Purchase: Buy During Dips or Off-Season Sales
Gold prices fluctuate just like any other asset. Monitor the market and buy when prices dip. Festivals, early-year sales, wars or economic downturns can offer great buying windows. This tactic helps you buy low and sell high - the core of any smart investment.
Pro Tip: You can subscribe to our newsletter to receive gold news, prices, updates, and a copy of the YincityGold 2025 U.S. Gold Jewelry Industry Pricing Study.
3. When Buying 24k Gold Jewelry - Minimize Design Charges and Markups
The more intricate the design, the more you pay in labor, and that doesn’t come back in resale. Opt for iconic classic styles, like 24K gold link Cuban Chains with low design premiums.
At YinCity Gold, our 42% markup is one of the lowest in the West, which means more of your money goes toward actual gold.
4. Store Your Gold Safely to Preserve Its Value
Proper storage = protection.
There’s a common misconception that 24K gold is prone to scratching and denting, but if you keep your gold jewelry in a safe deposit box or a secured home locker. There are two simple rules you need to follow:
Use anti-tarnish cloths or pouches.
Avoid daily wear if you're aiming purely for investment
This ensures your gold retains its purity and resale appeal
5. Always Get a Hallmark and Certificate of Authenticity
Proof matters.
Only buy pieces that are hallmarked and certified as 24K. This guarantees purity, which is essential when you resell Don’t fall for the alloy ploy - Use tools like the YinCity Gold Calculator to cross-check the value of your jewelry by weight and karat. We, at YinCity Gold, never tell or sell anything less than pure 24k gold.
6. Track Global Gold Price Trends
2025 has been a breakout year for gold so far and we saw it coming.
Gold has already surged 40% since last year, and ANZ expects $3,600/oz by December. Follow trusted sources and join our newsletter to make informed decisions about when to buy or hold.
7. Avoid Trendy Pieces That Don’t Hold Value
Fashion fades -real gold value doesn’t. Trendy designs from big names like Tiffanny use mixed metals (like gold and silver combos) often don’t hold up in the investment game. They prioritize appeal over purity. Stick to pure gold pieces with classic styles that are easier to resell.
Remember, timeless = valuable. You can see some value-holding jewelry designs and pieces in our 24k gold collection.
8. Use a Reputable Gold Seller
Not all sellers are created equal. A reputable seller guarantees purity, certificate of authenticity, fair prices, and provides resale support. At YinCity Gold, we specialize in pure 24k investment-grade gold jewelry designed to help your money grow.
What factors should I consider before investing in gold jewellery?
Focus on these six:
Purity (24K preferred)
999 Hallmark stamp and quality certificates
Current gold market price
Jewelry weight vs. design cost
Resale options available
Exit window (when are you planing to sell)
Using a trusted seller, like YinCity Gold
Bonus tip: Use our value calculator before you buy.
Final Verdict: Should You Invest in Gold Jewelry Now?
If you're asking, “Is gold jewelry a good investment in 2025?” - the numbers say “YES”.
But not all gold is equal. Skip the 14k sparkle and aim only for 24k invest-grade shine. With prices surging continuously, you can add a 24k gold collection to your portfolio.
Fifteen Top Questions About Investing in Gold Jewelry Adressed
1. Does gold jewelry increase in value?
Yes, it does, especially 24K gold jewelry. Its value tracks closely with the gold market. When gold prices rise (like they did by 40% in the last year), your jewelry becomes more valuable too. Just remember: the purer the gold, the better the investment.
2. What are the advantages of gold jewelry?
Gold jewelry offers dual benefits: you can wear it and grow your wealth.
It’s a hedge against inflation, easy to sell worldwide, and a tangible asset in your portfolio. When you choose high-purity gold like a 24k bullion gold bracelet or chain, you get both style and value.
3. Is it worth it to buy gold jewelry now?
Absolutely. Gold hit a record high in April 2025, and experts predict more growth. ANZ raised its gold price forecast to $3,600/oz by year-end. Buying now, especially 24k investment-grade gold pieces, can lock in long-term gains.
4. Is gold a good 10-year investment?
Yes, gold has consistently proven to be a safe long-term store of value. It weathers market volatility better than most assets. Holding gold jewelry for 10 years can offer not just appreciation, but financial security too.
5. How much will gold be in 5 years?
While no one can say for sure, many analysts expect prices to rise steadily. Given current trends, gold could easily cross $4,000/oz or even more within five years, especially as central banks continue bulk buying. That’s good news if you own pure gold jewelry.
7. What is the 10-year return rate of gold?
Over the last decade, gold has delivered an average annual return of 6–8%, depending on entry and exit points.
From January 1971 to December 2019, gold had average annual returns of 10.6%.
Quick Gold Investing fact: If you bought 24k gold in April 2024 at $2,300/oz, you’d be sitting on a 40% gain right now.
8. Is it good to invest in gold for the long term?
Yes. Gold is a timeless asset. It holds its value over generations and works well as part of a diversified investment portfolio. When stored safely and bought smartly, it can be one of your most reliable long-term investments.
9. Will gold hold value in the future?
With rising inflation, global uncertainty, tariff policies, and limited supply, gold is likely to stay strong and even grow in value. 24k gold accessories and jewelry, in particular, give you both emotional and financial return.
10. Is 14k Gold Jewelry a Good Investment: Or Just for Style?
14k gold is popular amongst popular jewelry brands - “but it’s not for investing.”
With only 58.3% gold content, 14k is better for daily wear and affordability. It’s durable but lacks the value growth of purer forms. If you're looking at long-term returns, investing in 14k gold may leave you disappointed. Just remember: “You’re paying more for design and the brand than metal.” when you go for 14k.
Here’s the snippet from our U.S. gold jewelry price analysis get this point across:
As you can see - major jewelry brands prioritize profits and markups above the investment aspect of owning a gold piece.
The real trick? Choosing investment-grade gold pieces that combine purity, value, and timeless appeal. That’s where we, Yin City Gold, stand out. We offer ONLY 24K pure gold jewelry with one of the lowest markups in the U.S.- only 42%, compared to big names like KAY, Walmart, and Tiffany.
Many gold investors often stay away from jewelry as an investment vehicle - and for a good reason. Here are some of the questions we frequently get from our customers:
11. Is 18k Gold Jewelry Worth Investing In?
18k offers 75% gold purity - a step up.
It balances investment and beauty, making it better than 14k for long-term value. But it still includes 25% alloys, which dilute its resale value.
Collectors and investors often pass on 18k in favor of 24k. Why? Because purity pays.
12. Is 22k Gold Jewelry a Good Investment?
Yes, but it depends on your goals.
22k gold jewelry contains 91.6% pure gold, making it more valuable than 18k or 14k. It’s a better investment than lower karats, but still falls short of 24k’s full purity.
If you're aiming for maximum resale value and portfolio strength, 24k remains the gold standard.
13. Is Solid Gold Jewelry a Good Investment?
Yes, but know what “solid” really means.
Solid gold jewelry refers to items made from real gold (not plated or filled). But karat level matters. A solid 14k ring isn’t worth as much as a solid 24k bullion ring.
For investment purposes, always prioritize pure gold (24k) over lower karats. That’s where the value truly lies.
14. Is Gold and Diamond Jewelry a Smart Investment Combo?
Combining gold with diamonds may sound like a double win. But unless the diamonds are high-quality or certified, they often don’t add investment value. In fact, lab-grown diamonds have lower resale value, making them less appealing for wealth building. If you’re keen on sparkle, focus on gold value first, then add select stones with strong resale potential.
15. Is Scrap Gold Jewelry a Good Investment?
It can be - but only if you know what you're buying. Scrap gold jewelry is broken or outdated gold sold for its melt value. If you get it at a low cost and high purity, it can offer profit when gold prices rise. But for most customers, investment-grade 24k jewelry is a safer and smarter option. It’s wearable, traceable, and holds its form and value better.