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5 Luxury Investments That Actually Pay Off

Luxury Investments That Actually Pay Off

Filipinos tend to misuse the term “investment.” They unconsciously convince themselves that they need to buy the latest iPhone, Galaxy Tab, or any gadget, without realizing that these products eventually depreciate through the years with constant use.

While spoiling yourself from time to time isn’t a bad thing, not managing your spending habits or simply buying the wrong things will significantly impact your long term financial stability. An investment that loses you money isn’t an investment, but a liability. If you want to take steps towards financial wellness, then you have to acquire things that will increase in value over time.

5 Luxury Items You Should Buy

To help you achieve the financial milestones you’ve set for yourself, let’s discuss several luxury items that actually pay off in the long run.


Vincent Van Gogh may have only sold one painting in his entire lifetime, but do you know that his works currently cost around $148–152 million? Beautiful art pieces don’t just spice up your home; they are also lucrative investments. In 2018 alone, fine art was able to rise to the top of the luxury investment index with a market growth of 25%.

With the value of fine art pieces constantly on the rise, consider adding a piece in your home. Not all illustrations you buy may end up costing as much as a work of Picasso, but they can be sold for a decent amount after some years, especially if the artist you bought from becomes the next big name in the industry. Don’t be afraid to invest in a painting or two!

Designer Bags

There’s no denying that designer bags are essential pieces in fashion. Matched with the right outfit, they help you appear more elegant while satisfying your practical needs. But, aside from helping you look good, they’re also long-lasting pieces that continuously increase in value.

Luxury bags are direct indications of status, and products from well-known brands can already cost millions of pesos. Just like die-hard sneaker fans out there, thousands of luxury bag collectors are dying to get limited edition Chanel or Hermès products.

If you already have one at home, make sure to take care of it so you can sell it for a good amount in the future—or better yet, pawn your designer bag at PawnHero for some quick cash!

Note: Here are some luxury handbags you should consider buying.


diamond ring
Photo by chuttersnap on Unsplash

“Diamonds are forever,” as the famous adage goes. When it comes to jewelry, this line bears truth. Behind luxury items like gold necklaces, pearl earrings, and diamond rings are strong emotions, so its value to the wearer is priceless. But in a practical perspective, these items are profitable investments.

Other than helping you look good, jewelry can double in value as they age. For instance, diamonds appreciate in value over time due to inflation and evolving market tastes, even as its price fluctuates based on supply and demand.

Choosing to invest in the right type can be very challenging since you need to consider different factors, such as maintenance, style, and quality. But, if you stay patient and treat your items with care, you can earn a significant sum in the future.


Watches are fairly similar to jewelry and luxury bags. They’re usually gifted to a person with sentimental value and have the power to make or break an outfit. But if you view it as an investment, a Rolex watch can have great value down the line.

Unlike more volatile investments like stocks, luxury watches can withstand a financial downturn. In fact, there has been an increased interest in luxury watches as investments since the start of the coronavirus crisis.

A luxury watch may cost hundreds of thousands of pesos, but because of its high resale value, you can earn a good amount if you sell it at the right time. If you’re going to buy one, make sure to save the box and paperwork to boost its resale value even more in the future.


Next to artwork, wine is known as the second-best luxury investment. The prices of many alcoholic beverages compound over time, but wine’s value is significantly higher than the rest. To give you an idea of how much you can earn, wine’s value has increased by 142% in the past ten years.

Investing in wine doesn’t mean that you’ll have to purchase a vineyard. It’s all about buying the perfect bottle. Given that there are a variety of choices available in the market, you need to do your research and make an effort to find the right leads. If you’re able to purchase the right ones, you can make returns as high as 8–12%.

Purchase the Right Things

Building wealth doesn’t happen overnight. Apart from having multiple streams of income and developing a millionaire mindset, securing your financial stability will require you to make the right investments. As long as you stay patient, investing in the products above will help you accomplish your long-term financial goals.

Similar to traditional types of investments such as stocks, bonds, and real estate, investing in luxury items will require you to have excellent money management skills. Your ability to build an investment strategy will ultimately define how much you can earn from the items you’ve bought.

Lastly, in case you’re in dire need of quick cash, PawnHero is the only pawnshop in the Philippines that allows you to pawn your luxury items from virtually anywhere conveniently and securely.

Take a look at this guide to know which luxury items PawnHero is accepting.


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