Our Calculator provides a sophisticated estimation platform for High Net Worth Individuals (HNWIs) and investment advisors in the United States (US), United Arab Emirates (AE), and Switzerland (CH), focusing on natural diamonds as a tangible asset class and the creation of bespoke high-karat (18K/22K) gold and platinum jewelry. This tool is designed to assist in evaluating investment-grade diamonds—typically larger carat weights (e.g., 2ct to 10ct+), top-tier colors (D-F for white, vivid for fancy colors), and high clarities (IF-VS)—and understanding their potential market value. It also integrates a specialized calculator for estimating costs of luxurious custom jewelry made from 18K or 22K gold (yellow, rose, white) or platinum, suitable for a customer that demands exclusivity, exceptional quality, and potential value retention.

Natural Diamonds as an Investment Asset: For HNWIs in US, AE, and CH, diamonds can be part of a diversified investment portfolio.

• Characteristics of Investment-Grade Diamonds:
  • Natural Origin is Key: The investment market primarily focuses on natural diamonds due to their established rarity and long-term store of value.
  • The "Triple Ex" & Beyond: GIA Excellent cut, polish, and symmetry are often baseline. Top color (D-F) and clarity (IF, VVS) are highly sought.
  • Significant Carat Weights: Generally, diamonds over 2 carats are considered. Larger stones (5ct, 10ct+) are particularly rare. Our calculator reflects the premiums for these top-tier gems across all shapes (Round, Emerald, Asscher etc.).
  • Fancy Colored Diamonds: Natural fancy vivid pink, blue, or yellow diamonds of significant size and quality are a major investment category, with values often appreciating significantly. The calculator provides contextual estimates for these ultra-rare stones.
  • Impeccable GIA Certification: Essential for liquidity and value verification.
  • Provenance & Rarity: Documented history or origin from a famous mine can add substantial value.
• Portfolio Diversification & Wealth Preservation: Diamonds can act as a store of value, a hedge against inflation, and a portable asset. Our calculator provides current market value estimations, not investment advice or future predictions.

High-Karat (18K/22K) Gold & Platinum Custom Jewelry Calculator: This component is tailored for creating statement pieces and wearable investments, a common service scenario for HNWIs.

• Precious Metal Choices for Luxury:
  • Platinum (Pt950): Its purity, prestige, and durability make it ideal for setting exceptional diamonds.
  • 18K Gold (Yellow, White, Rose): A standard for luxury, offering a balance of high gold content and workability for intricate designs.
  • 22K Yellow Gold: Highly valued in regions like the AE and parts of Asia for its rich color and intrinsic gold value, often used for substantial necklaces, bracelets, and traditional designs. It's softer, so designs must account for this.
• Bespoke Design & Master Craftsmanship:
  • One-of-a-Kind Pieces: HNWIs often commission unique designs from renowned jewelry houses or master artisans.
  • Exceptional Stone Setting: Setting large, valuable diamonds requires the highest level of skill to ensure security and enhance beauty.
  • Intricate Details: Hand-engraving, custom gemstone cutting, and complex fabrications are common. The calculator helps estimate the significant labor costs involved.
• Jewelry as a Tangible Asset: While custom jewelry has design and labor costs beyond the intrinsic material value, pieces with significant diamonds and high-karat gold can still be considered part of a tangible asset portfolio.

This calculator is for a sophisticated customer including HNWIs, family offices, private bankers, and specialist collectors. Service scenarios include: a wealth advisor in Switzerland assessing the current market value of a client's loose investment diamond portfolio; an HNWI in the UAE commissioning a bespoke 22K gold necklace featuring multiple high-quality diamonds; or a US collector looking to acquire a rare fancy colored diamond and have it set into a unique platinum ring. The tool provides a framework for understanding the value components of these exceptional assets and creations within the rarefied world of high finance and luxury.