Need Help In Buying a Yellow Gold Diamond Engagement Ring

buy hearts and arrows diamonds online

Classic Tiffany Style Half Round

Hello Paul,

I stumbled across your website and was wondering if you could help me find the best value possible for a $8000 engagement ring purchase. I’d like to get something around 1 carat and round.

I have also been reading up about information on hearts and arrows diamonds online and am extremely interested in this cut for its beauty.

If you could give me a couple of suggestions around that price range and carat size, I would greatly appreciate it. Thanks! I hope to hear from you soon as I want to make this purchase within the week.

Thanks,
Thomas 


Hi Thomas,

Thanks for your email. I would need more details before I am able to make any meaningful recommendations.

What kind of ring setting are you looking at? E.g. 14k or 18k yellow gold/white gold…

Does the $8000 budget include the cost for the setting?

Are you OK with having fluorescence in a diamond? Some people like to have that, some don’t. Personally, I love fluorescence.

Regards,
Paul


Paul,

I’m look for an 18K yellow gold four-prong solitaire setting. $8000 would be for the diamond alone. I was previously looking at Blue Nile and their yellow gold classic solitaire four-prong ring. I came across a 1 carat diamond with ideal cut, F color and VS1 clarity. It also had excellent symmetry/polish and is around my price point of $8000. I don’t know too much about fluorescence so I would be open to any suggestions with fluorescence.

After reading about the hearts and arrows cut, I became interested in learning more about this specific type of diamond. It seems like if you get a high quality cut, you can lower your color and clarity because the diamond will shine brilliantly due to the precise cut alone. Anything else you think I should know before going for this cut?

Let me know if I can narrow it down anymore.

Thanks,
Thomas


Hi Thomas,

If you are setting the diamond in 18k yellow gold, we have more flexibility for your price point.

We don’t need a colorless diamond (D-F) since a ‘white’ diamond will still appear slightly yellowish on a yellow gold band. It would be wise to go down on color and up on carat size.

You are right in your statement that you can go lower in color and clarity with well-cut diamonds. For the hearts and arrows diamond, you will be paying a slightly higher premium for optical symmetry (the display of hearts and arrows patterning).

BlueNile is a BAD idea when you are going for hearts and arrows stones. You NEED to check the optical symmetry of the diamond with pictures which BlueNile doesn’t provide in their listings. So, there’s no way you can tell from Bluenile’s micrographs. Read this article for more details:

http://beyond4cs.com/reviews/blue-nile/signature-diamond/

Here are diamonds in the order of preference I would recommend. We have a clear winner here in the 1.2 carat K SI1 diamond. Out of the lot, it has greatest value for money. A K diamond set on a yellow gold engagement ring will blend in better than higher diamond colors.

1) http://www.briangavindiamonds.com/diamonds/diamond-details/1.202-k-si1-round-diamond-ags-104059065005 (eye clean, great optics)
2) jamesallen.com/diamonds/H-VS1-Ideal-Cut-Round-Diamond-1500332.asp
3) http://www.briangavindiamonds.com/diamonds/diamond-details/1.078-j-vs2-round-diamond-ags-104055873004
4) jamesallen.com/diamonds/I-VS2-Ideal-Cut-Round-Diamond-1452027.asp

Feel free to let me know if you have any queries.

Cheers,
Paul


yellow gold 3 stone ring on pink flower

Diamonds Will Pick Up Environmental Colors

Paul,

Thanks for the prompt response. Just a couple more questions:

Wouldn’t a K color look more “yellow” than a diamond with a more “colorless” grade when set on a gold setting?

Where would be a good place to look for settings? Should I buy the setting at the same place I buy the diamond?

If I were to lower my price point to around ~4000, what would be the best value I could get for a hearts and arrows cut? Could you list some recommendations?

Thanks again for your help.


Hi thomas,

Wouldn’t a K color look more “yellow” than a diamond with a more “colorless” grade when set on a gold setting?

It depends on the kind of look you want to achieve. Most people I know of go for lower colors in a gold setting to get a more ‘blended’ look.

This article on how jewelry settings can enhance diamond color is a good read.

Where would be a good place to look for settings? Should I buy the setting at the same place I buy the diamond?

It depends on your location and whether you know of any trustworthy local jewelers in your area. If a jeweler in your area has a particular ring design you like, this is an option for you to explore. Buy the loose diamond online and get it set locally.

In general, I advice my readers to get their settings done with the vendor they get their diamonds from. This avoids unnecessary trouble and hassle. Even in the unlikely event that you don’t like what you see after receiving the ring, both James Allen and Brian Gavin have good return policies. So, there are no worries there.

For a truly customizable design, Brian Gavin is really the place to go to build your ring from scratch. Find out more details about their customization work with this link.  You might want to consider this option but as you know, customizing from scratch usually means it comes at a higher cost.

If I were to lower my price point to around ~4000, what would be the best value I could get for a hearts and arrows cut? Could you list some recommendations?

Going down to $4000 for H&A diamonds would usually mean a diamond within the 0.75-0.85 carat ranges. I could list recommendations but before that, I would like to get your input on the kind of look you want to achieve for your ring. This will enable me to give you appropriate recommendations for color.

Best regards,
Paul


Hi Paul,

I like the small contrast between the diamond and gold setting. I would be okay with a .75-.80 carat diamond as well. I just wouldn’t want the diamond to look overly yellow. Overall, I am looking for the best eye-clean and clear optical diamond possible at that price range.

Thanks,
Thomas


Hi thomas,

These are the diamonds I liked in the order of preference for around $4000. Diamond 3 has the best hearts and arrows patterning but it costs about $1000 more. In my opinion, it is not worth the extra $1000. In terms of brilliance and fire, these diamonds will have very identical optical performance. (note: having perfect h&a doesn’t necessary equate to better or best optics).

1) jamesallen.com/diamonds/I-VS2-Ideal-Cut-Round-Diamond-1493120.asp
2) http://www.briangavindiamonds.com/diamonds/diamond-details/0.753-g-si1-round-diamond-ags-104059065051
3) http://www.briangavindiamonds.com/diamonds/diamond-details/0.810-i-vs2-round-diamond-ags-104059065038

Let me know what you think.

Best regards,
Paul


Paul,

Any particular reason why you picked number 1 over number 2? Would these suggestions be better than anything else I could get that isn’t hearts and arrows (in terms of brilliance, fire, eye clean, great optics, etc)? Also, what do you think about James Allen’s settings? It seems like Brian Gavin’s settings are much more expensive.

Again, thanks for your help. This is my first time purchasing something this expensive online, and I still have some reservations about not being able to see the diamond myself.

Best,
Thomas


Hi Thomas,

Size is the main reason that tipped the scales because women love diamonds with bigger carat sizes. In terms of diamond color, a G and an I won’t make any visual difference on a yellow setting. Unless you scrutinize the ring from a side view and have a D/E/F colored diamond by your side for comparison, most people can’t tell.

The second diamond (G) was what I also found to be within ideal proportions and optimum light performance. This is a stone I would recommend for white gold setting. But for your case, the I would be a better choice. It’s still up to your decision at the end of the day. If you think color plays a significant part in your decision making, then go for the G. That’s the main reason I included it.

In terms of optics and performance, the round diamonds (hearts and arrows) are as good as optics can get in diamonds. The diamonds that were picked (for brilliance & symmetry) represent about the top 1-2% of the kind of diamonds that are cut in the market.

If you click this link here: http://beyond4cs.com/step-by-step-guide/evaluating-diamonds-with-idealscope/, you can reference the idealscope image to what you see from the diamond choices above.

With regards to the settings and designs, I can’t really offer you advice because it is a personal thingy. Both JA and BGD do have excellent workmanship on their ring settings. All I can say is that James Allen has a wider range of settings and their settings are much more catered towards the mass market. For BGD, their settings are much more unique in that sense.

Again, thanks for your help. This is my first time purchasing something this expensive online, and I still have some reservations about not being able to see the diamond myself.

You are welcome. Most first timers do feel abit nervous (me included when I first bought mine online). With the virtual loupe and idealscope images, you are in fact seeing the diamonds in more details than what you would see in a physical store + you enjoy lower prices by going online. : )

But hey, don’t worry. Once you get the diamond ring/diamond in hand, you will be pleased. Let your wife/girlfriend wear it around. You might even want to do your own comparisons and compare your diamond to those found in local stores near you. I assure you that you will see a stark difference in terms of quality and brilliance against the common diamonds found in stores.

Regards,
Paul


Paul,

I ended up getting the very first diamond you suggested. The 1.2 carat from BGD. I set it in 18k yellow gold solitaire and it should be coming within 2 weeks. Thank you for your help and advice, it cleared up a lot of misconceptions I had.

super ideal k color round brilliant

hearts and arrows patterning

Picture perfect hearts and arrows patterning – Ideal light performance

One last thing: once I receive the ring, should I get it appraised first and what insurance options would you recommend?

Thanks again!


Hi Thomas,

Glad to be of help.

I personally believe that’s the diamond which will offer you the biggest bang for your buck.

For insurance/appraisers, read this link: http://beyond4cs.com/faq/getting-your-purchase-appraised/

If you are worried or need a peace of mind about your purchase, you can get it appraised with your own appraiser to verify the diamond’s authenticity. Anyways, you will need an appraisal for insurance purposes.

I am assuming you are based in the US (that’s the only market I am slightly more familiar with on jewelry insurance). If you are based other parts of the world, I’m sorry I can’t advice you on things that I am not sure about. You need to check with your local insurance companies on this.

For US/Canada insurance, it really depends on your own preference and comfort level. Most people look for a rider clause to be included in their current homeowner policy because this is the most convenient for them. If you like this option, it is best to call up your insurance company and see what they say on details.

In the unfortunate event you really lose your ring, this might put your home policy in risks of higher future premiums or in worse case, might lead to cancellations. Personally, I feel that it would be better to insure your diamond ring away from any current home policies with a separate policy. If you like this option, these are 2 nice companies to consider.

http://www.jewelersmutual.com/
http://www.touchstoneinsurance.com/

Hope this helps.

p.s. I would really love to see a picture of your ring. Could you take a snap and send a nice picture to us when it arrives and tell me what you think of it?

Best regards,
Paul


Hi Paul,

I apologize for the late response. The diamond is great! My fiance loves the yellow gold diamond ring and we are getting it appraised this Friday for insurance. Thank you again for your help and I’ll try to send pictures when I get a chance.

Thomas

If you are looking for super ideal cut diamonds, Brian Gavin is the place you want to start your search. Their carefully crafted signature diamonds have to pass through strict checks and requirements before they make the cut (pun intended).

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2 Comments

  1. Ricardo the Lardo-
    October 11, 2012 at 8:54 am

    Interesting post. Do you know whether Tiffany’s diamonds are Hearts And Arrows too? I was in the NY district area and was quoted for about $11,000 for a beautiful looking ring.

  2. Paul-
    October 14, 2012 at 9:01 pm

    Hi Ricardo,

    No, most of Tiffany’s diamonds don’t exhibit the perfect hearts and arrows symmetry. While their diamonds are cut to pretty well standards, Tiffany is more well known for their branding and I personally feel that the prices for their rings are way overpriced for the quality they are offering.

    Paul

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