Jewelry is more than just an accessory, it can also be a long-term investment.

According to Kiplinger, while jewelry may not be as liquid as gold bullion, its value appreciates over time, making it a worthwhile asset. The added benefit? The joy of shopping for unique pieces, understanding their history, and styling them effortlessly.

When choosing necklaces that retain and grow in value, several factors come into play. The purity and weight of the metal, craftsmanship, and gemstone quality all determine a piece’s worth.

Precious metals like platinum and sterling silver continue to trade at high values, while gemstones such as diamonds, emeralds, and rubies remain highly coveted. The 4 Cs—cut, color, clarity, and carat weight— play a significant role in determining a stone’s value.

Young women can choose necklaces that blend style with investment value, enhancing both their wardrobe and finances.

1. Snake Chain Necklaces

Snake chain necklaces, with their fluid, serpentine design, are undeniably a top trend in 2025, prized for their sleek sophistication and versatility. Their smooth, almost liquid-like texture and minimalist aesthetic make them perfect for layering with other necklaces, creating personalized and dynamic looks.

Equally impactful worn solo, a snake chain can serve as a striking statement piece, adding a touch of elegance to any ensemble.

Gold snake chains, in particular, radiate a timeless appeal, effortlessly transitioning from casual daytime wear to more formal evening attire. The popularity of this style is further cemented by celebrity endorsements.

According to The Mirror US, Taylor Swift wore a $9,000 diamond snake head rolo chain necklace while accepting an iHeartRadio Music Award. This high-end example, featuring a diamond-studded snake head clasp, underscores the snake chain’s current status as a fashionable and potentially investment-worthy accessory.

2. Gemstone Necklaces

Precious stones like diamonds, emeralds, and sapphires, as well as semi-precious gems like turquoise and malachite, add color and personality to any ensemble.

According to Nasdaq, investing in colored gemstones can serve as a hedge against inflation and remains resilient in volatile markets. In the past three years, sapphires, emeralds, rubies, opals, pearls, and tourmalines have outperformed the S&P by substantial margins. However, natural diamond prices have declined sharply.

This shift has made gemstone investments increasingly attractive, particularly for those seeking long-term financial security.

For those looking to explore high-quality gemstone pieces, Leibish’s gemstone necklaces collection offers a stunning selection of expertly crafted designs. These necklaces enhance your wardrobe and hold intrinsic value that appreciates over time. Whether seeking a bold statement piece or a subtle everyday accessory, gemstone necklaces provide a perfect balance of fashion and investment.

3. Tennis Necklaces

According to Who What Wear, small yet significant jewelry choices can transform an outfit, as seen in Meghan Markle’s recent gala appearance. Her classic floor-length gown was enhanced by a delicate tennis necklace resting at the nape of her neck.

While traditionally associated with formal wear, tennis necklaces are now embraced in casual styling. Fashion-forward individuals frequently pair them with simple outfits—think jeans, a cardigan, or a basic tee—to create effortlessly chic ensembles. Their versatility ensures they remain a valuable addition to any jewelry collection, blending timeless appeal with modern fashion sensibilities.

4. Pearl Thread Necklaces

Pearl thread necklaces are experiencing a major resurgence in 2025, blending classic elegance with modern design elements. Traditionally associated with sophistication and grace, pearls now take on a fresh, contemporary appeal through innovative styling. Designers are incorporating metal chains, colorful beads, and asymmetrical arrangements, offering a playful yet refined aesthetic.

These necklaces are perfect for young women looking to embrace timeless beauty while adding a unique twist to their jewelry collections. Unlike traditional pearl strands, modern variations feature mixed materials, layered designs, and unconventional shapes, making them versatile for casual and formal occasions.

5. Beaded Necklaces

Beaded necklaces, cherished since ancient times, remain a staple in modern fashion. Their versatility and artistic appeal make them a favorite among young women seeking unique, statement-making accessories. Crafted from materials like glass, coral, ceramic, or semi-precious stones, these necklaces provide vibrant colors and rich textures.

This year, multicolored beaded necklaces are trending, bringing a playful and refreshing aesthetic to everyday fashion. Whether layered with other delicate chains or worn alone as a bold piece, they instantly brighten casual ensembles like t-shirts and jeans.

Beaded necklaces also offer a sustainable and budget-friendly alternative to fine jewelry, allowing wearers to experiment with color and style without a hefty investment.

6. Bib Necklaces

These necklaces often feature elaborate detailing, with layered textures, cascading elements, and ornate embellishments that create a regal and eye-catching effect. Whether adorned with shimmering rhinestones for a glamorous appeal or handcrafted beads for a bohemian touch, bib necklaces add depth to any look.

Pairing a bib necklace with a simple outfit ensures that the jewelry remains the focal point. With their ability to transform an ensemble effortlessly, bib necklaces remain a must-have for fashion-forward women.

7. Custom Necklace Designs

Whether engraving initials, incorporating birthstones, or designing a pendant with meaningful symbols, custom jewelry allows individuals to create one-of-a-kind pieces.

According to Verified Market Reports, the global personalized jewelry market was valued at approximately $32.1 billion in 2021. It is expected to grow at a CAGR of 5.6% from 2022 to 2030. This surge is fueled by the increasing demand for unique, meaningful designs that reflect individual tastes.

Working with professional jewelers ensures high-quality craftsmanship and helps bring creative visions to life. Customization also provides flexibility, allowing necklaces to be tailored for specific occasions or outfits. As consumers seek sentimental and stylish pieces, custom jewelry remains a popular investment for those wanting a personal touch in their accessories.

FAQs

Do gemstones have resale value?

Yes, gemstones have resale value, but it depends on factors like rarity, quality, market demand, and certification. Precious stones like sapphires, emeralds, and rubies often appreciate over time. However, resale prices vary, and natural, untreated stones with proper grading typically hold higher value than treated or synthetic gems.

How do I choose the right necklace length?

Necklace length selection is guided by neckline, face shape, and personal style. Shorter lengths suit high necklines and petite frames, while medium is versatile for most outfits. Longer chains create elongation, ideal for layering or enhancing a statement pendant.

Are custom-designed necklaces worth it?

Custom-designed necklaces are worth it for those seeking unique, sentimental, and high-quality pieces. They offer personalization, allowing you to incorporate meaningful elements like initials or birthstones. While often pricier than mass-produced jewelry, their exclusivity and emotional value make them a worthwhile investment for special occasions or personal expression.

Stylish necklaces are more than accessories, they’re investments in self-expression and timeless beauty. From trending snake chains and tennis necklaces to gemstone-adorned pendants, young women have an array of options to choose from in 2025. Whether you’re looking for casual elegance or bold statements, these designs cater to diverse tastes while holding enduring value.