The ability to determine the collector’s value of silver jewelry can play an important role in a silver investing strategy where the silver investor is aiming for a “double play.” A “double play” in this instance refers to the strategy of minimizing the risks attached to silver ownership by hoping to benefit from increases in the melt value of silver as well as the collector’s value.

Silver Bullion by no means intend to go into the finer details of determining the collector’s value of silver jewelry here, but we do intend to leave the silver investor with sufficient info to make an informed decision when it comes to investing in silver jewelry that have some form of collector’s value attached to it. Needless to say, the silver investor must always strive to avoid overpaying for silver jewelry. There might be one or two times where emotion and pure stupidity trap you into overpaying for a silver jewelry, but it must never become a habit and it must never go to the extent where one transaction can ruin you financially and otherwise.

Silver jewelry appraisal services…

As a silver investor you don’t really want to make use of jewelry appraisal services, except of course if you’re bidding on or sitting with silver jewelry of substantial collector’s value.

Firstly, jewelry appraisal services are not free, and secondly, the true silver investor never goes in a “double play” where he/she has to fork out more for collector’s value than the melt value of silver. It is after all no secret that jewelry appraisal services are normally only needed when the collector’s value outstrips the melt value of the silver contained in silver jewelry by a large margin. This been written, one can safely assume that not all silver jewelry investors are silver investors in the true sense of the word. It therefore shouldn’t come as a surprise that Silver Bullion recommends a silver investing strategy where the melt value of silver always outstrips the collector’s value at least by some degree. Thirdly, it’s no secret that many jewelry appraisals are fraudulent in the sense that they will provide the silver investor with inflated or unrealistic jewelry appraisal values. This is not to say that you shouldn’t make use of the services of a jewelry appraiser, it’s just to say that you should be extremely careful who you’re dealing with. One way of protecting yourself is to make sure that you know the basics when it comes to silver jewelry price ranges and silver jewelry pricing. If not, you will surely smile each time they give you a high unrealistic appraisal and chances are good that you will give them repeat business, but it will not be to your benefit or last, especially if you try to sell the appraised item(s) to experienced silver jewelry investors who can spot that something is afoul. You will get a bad name in the business pretty fast and alienate many potential buyers and sellers (or potential life time friends for that matter!).

Factors that influence the collector’s value of silver jewelry…

The collector’s value of silver jewelry is primarily influenced by two factors: Firstly, supply and demand, and secondly, the price a silver investor is willing to pay for it.

Supply and demand

Common sense tells us that supply and demand must play an important role when it comes to the collector’s value of silver jewelry.

During times of relative severe economic hardship or distress there tend to be an increase in the demand for silver jewelry, including silver jewelry with some sort of collector’s value attached to it. This is however not necessarily the case when it comes to rare silver jewelry that normally sells at multiples of the melt value of its underlying silver value. In fact, rare silver jewelry tends to experience downward price pressure during bad economic times, but in good times the prices tend to go up as a result of higher demand fuelled by higher or better income levels. On the other hand, the prices of regular collector’s silver jewelry, jewelry that cannot be described as “rare silver jewelry,” can remain flat or even drop during relative good economic times within a debt-based currency system. The primary reason for this is because gold and silver prices tend to be relatively flat when good economic times are experienced within such a monetary system, especially when silver market manipulation and the deployment of the “paper gimmick” are at the order of the day. It’s after all no secret that both silver market manipulation and the “paper gimmick” had been and are being used to give people the false impression that precious metals such as gold and silver have little or no value (at the time this was written).

It’s certainly not easy or advisable to fix one’s opinion here upon a pole and make it known to the whole world, because the severity of economic hardship or distress as experienced by different people, silver market manipulation, the “paper gimmick” and many other factors play a role in determining the collector’s value of silver jewelry based on supply and demand. The individual silver investor has little if any control over most of these factors, but collectively it is a different story altogether. Collectively silver investors can accomplish the impossible. 

The price a silver jewelry collector is willing to pay

The collector’s value of silver jewelry also depends on how much a silver investor is willing to pay for it. The price a silver investor is willing to pay for a silver jewelry item can be influenced by one or a combination of factors:

  • Condition of the silver jewelry item: The condition of a silver jewelry item is of great importance when it comes to the price a silver investor is willing to pay for it. A jewelry appraisal can add to the attractiveness of a silver jewelry item and secure higher prices, especially if the appraisal was done by a reputable jewelry appraiser.
  • Rarity of the silver jewelry item: The rarity of a silver jewelry item is another factor that is of great importance when it comes to the price a silver investor is willing to pay for it in terms of collector’s value.
  • Age of the silver jewelry item: The age of a silver jewelry item is another factor that can be of great importance when it comes to the price a silver investor is willing to pay for it in terms of collector’s value. The rarity and age of a silver jewelry item can go hand-in-hand in certain instances, but it’s not always the case.

Now we can expand the list here and provide details on more factors that influence the price a silver investor is willing to pay for a specific silver jewelry item. However, in order to save time and space and given the fact that such a list can be almost endless, we’re going to conclude this with a brief mention of additional factors without providing detailed descriptions:

Adverse Publicity









Currency Stability

Dealer Mark-ups







Hobby Appeal


Investment Advisors

Investment Potential






Political Conditions








Silver Price

Size of the silver ingot (silver art bar)

Snob Appeal


Status of the silver ingot (silver art bar)

Status of the Issuer

Tax Avoidance

Tax Evasion

Theme Collecting

Unit Prices

One can go into an awful lot of detail here, but at the end of the day it’s important that the silver investor does his/her own research and let common sense prevail. What is of importance to one silver investor in terms of collector’s value is after all not necessarily important to another silver investor. However, it should be safe to say that the true silver investor should always at the least strive or aim to invest in or acquire silver jewelry at price levels where the collector’s value doesn’t outstrip the melt value of the silver. E.g. the current silver price is $35 per troy ounce of silver. Let’s assume that someone offers you a limited edition 0.62 oz “Juicy Couture” Silver Goose Charm for a $100, should you buy the relevant silver charm or not? Hell no! It comes at a ridiculous high premium on top of the melt value of silver. Now if someone offers you the very same silver charm for $30, will you take it? It depends on you, but a more or less 38% premium on top of the silver melt value is not a bad deal at all, especially given the fact that the silver charm looks very charming and is a limited edition. One should also consider that the “paper gimmick” and silver market manipulation are pretty much still at the order of the day, which means one can acquire or buy physical silver far below its true worth (at the time this was written). Having to pay more or less $9 extra in terms of a premium or towards collector’s value is not bad when you’re sitting with silver content with a silver melt value of more or less $22, especially if you’re going for a “double play” as described elsewhere on the Silver Bullion website.

Given the factors mentioned on the previous pages, it should be clear that the collector’s value of silver jewelry is not something that’s fixed in concrete. This is exactly why silver ownership in the form of silver jewelry can be exciting and rewarding, not only financially, but otherwise as well.

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