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9 tips on how to take care of your gold jewellery

December 9, 2023
in Business
9 tips on how to take care of your gold jewellery
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Here is a look at nine tips to take care of your gold jewellery so that it last longer.

Jewels too need servicing

Similar to how your car and air conditioner require regular servicing, your jewelry also needs periodic inspection by a professional. If the shine has diminished, gold may need polishing, a process that rejuvenates the original luster and typically costs Rs 10-15 per gram. Keep in mind that intricate designs may incur additional charges. In addition to polishing, the jeweler will assess the functionality of clasps, checking for any signs of looseness. Pay special attention to the prongs securing precious stones, especially diamonds, as over time, these prongs may bend, risking the loss of stones. It’s advisable to have your jewelry examined by a local jeweler or the place of purchase every 1-2 years.

Storing jewellery

When not in use, it’s recommended to store each jewelry item in its own pouch or box to prevent entanglement and potential damage. This precaution is particularly crucial for intricate designs and pieces with precious stones. Wrap each item in soft cloth before placing it in storage to provide an extra layer of protection.

Maintain inventory

Maintain a record of the jewelry and gold you purchase. File all cash receipts and payment details. This practice serves not only to track your expenditure on jewelry but also proves valuable in the event of tax scrutiny or when making an insurance claim.

Insuring your jewellery

Securing insurance for your valuable possessions, safeguarding against theft and fire, is a prudent step. However, it’s important to note that insurance companies often impose limits on such coverage. Typically, jewelry can be insured for theft and damage as part of a householder insurance policy. The coverage for jewelry is commonly set at 10% of the total coverage amount. For instance, if your home contents are insured for Rs 5 lakh, the jewelry coverage would be Rs 50,000. While some general insurance companies may provide a higher coverage limit, it often comes with a corresponding increase in premiums.

Clean jewellery regularly

For regularly worn jewelry, it’s advisable to clean them every 3-4 months. Items worn occasionally can be cleaned once every 1-2 years or after each use. In many cases, simply cleaning the ornament is sufficient. However, it’s crucial to avoid using a toothbrush for cleaning, as it can cause scratches and damage intricate workmanship. The hard bristles may even dislodge small stones and inlay work. Instead, opt for a soft chamois cloth for a gentler and safer cleaning method.

Avoid exposure to chemicals

Gold jewelry can be adversely affected by chlorine, particularly in heavily chlorinated water like that found in swimming pools. Repeated exposure can corrode the polish, diminishing the jewelry’s attractiveness. It’s advisable to avoid wearing gold jewelry when taking a dip in the pool. Additionally, when engaging in activities like dishwashing or laundry, wearing gloves can help protect your jewelry.

Certain precious stones and gems, such as pearls and corals, are susceptible to damage from substances like hairspray, perfume, and cologne. When wearing jewelry, exercise caution with cosmetics to prevent any adverse effects on your precious pieces.

Avoid DIY repairs

A solitaire ring or a diamond necklace is not akin to an electric toaster that one can repair at home. The intricate craftsmanship involved means that only a specialized individual with the appropriate tools can effectively handle it. If you encounter issues such as a loose stone or a broken link in a chain, it is recommended to seek the expertise of a professional jeweler. Many jewelers typically do not charge for repairing items purchased from them. Even if there is a fee, it’s not advisable to cut corners in this regard, as the value of the jewelry is significant. Investing Rs 250-500 in repairing an item worth Rs 50,000-60,000 is considered money well spent.

Storing in a bank locker

If you believe that storing your jewelry at home poses a security risk, opting for a bank locker is a prudent choice. The annual cost for a bank locker can range from Rs 700 to Rs 3,500, depending on the size of the locker and the bank. PSU banks generally charge lower fees but may have longer waiting times. On the other hand, private banks tend to charge higher fees and may require applicants to invest in insurance policies or fixed deposits as well. Consider these factors when choosing a bank for securing your valuables.

Do the paperwork

Whether you’re investing in gold ETFs or fund of funds, it’s crucial to designate a nominee for your investments. Ensure that your demat account and mutual fund investments have a nominated individual so that, in the event of an unfortunate incident, your heirs won’t face difficulties accessing the wealth you’ve amassed. Likewise, any gold jewelry and bullion you acquire should be explicitly mentioned in your will. If you’ve already drafted a will, you can make additions or modifications to incorporate these assets. This ensures a clear and organized transfer of your assets according to your wishes.

(Your legal guide on estate planning, inheritance, will and more.)

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Copyright for syndicated content belongs to the linked Source : The Economic Times of India – https://economictimes.indiatimes.com/wealth/save/9-essential-tips-for-caring-and-preserving-your-gold-jewellery/articleshow/105858498.cms

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