Golden has a curated range of demi-fine jewellery brands - but what does demi-fine actually mean? 

Well, demi-fine jewellery sits in the middle ground; it's not costume jewellery or thin, cheap plating that turns your finger green after two showers. But it's not fine jewellery either, so you're not remortgaging for a pair of earrings.

It uses real quality materials but at a more realistic price: solid sterling silver, gold vermeil (a thick layer of gold, usually 2.5 microns or more, over a sterling silver base) or gold plating on strong, hypoallergenic base metals and stones — freshwater pearl, semi-precious cuts like citrine or peridot, aquamarine or garnet, and well-cut, lab-made stones like cubic zirconia, rather than glass or crystal.

That materials-first approach is why demi-fine holds up like fine jewellery, just without the price tag. A demi-fine ring should keep its colour for a long while, but no insurance policy required. And it’s also where the interesting design happens: fine jewellery plays it safe, costume jewellery chases trends, and demi-fine lets small independent makers create something worth noticing. 

You can layer five necklaces at once without wondering what happens if one goes missing, and travel with it, wherever you want, no second thought. The price point means buying what you love rather than what you can justify once a decade, and pieces update faster than fine jewellery ever could, without the four-figure spend or the wait. Real materials also mean it ages properly, so affordable never has to mean disposable.

Demi-fine: everyday jewellery that behaves like an investment piece.