Most Expensive Engagement Rings in Hollywood (and How Much to Save to Buy Them)

Grace Kelly’s Cartier diamond. Mariah Carey’s 35-carat sparkler. Kim Kardashian’s flawless cushion-cut stone.

These aren’t simply engagement rings—they’re symbols of jaw-dropping wealth. Grace Kelly’s ring alone is valued at almost $39 million.

And recently, movie star rings have been everywhere in the headlines once more. Taylor Swift’s engagement ring sparked huge buzz this 12 months, and Georgina Rodríguez’s big diamond from Cristiano Ronaldo additionally made waves. However right here’s the factor: whereas gorgeous, each rings are literally far cheaper than the record-breakers on our checklist. Taylor’s is estimated at round $550,000, and Georgina’s at about $5 million—spectacular, however nowhere close to Grace Kelly’s historic $39 million Cartier masterpiece.

That’s why we determined to run this enjoyable thought experiment: In case you’re 30 years outdated right this moment and need to construct sufficient wealth by 65 to afford considered one of these iconic rings—or anything in your dream checklist, like a home, a visit world wide, or perhaps a yacht—how a lot would it’s essential make investments every month?

Sounds loopy—however it’s truly the proper method to perceive how a lot constant investing can construct over time.

Step 1: Why We Assume 7%

We’re assuming a 7% annual return—barely beneath the inventory market’s long-term common of 10%—to account for inflation and taxes. Monetary planners typically use this quantity when operating long-term projections.

That’s what we’ll use right here.

Step 2: The Energy of Compounding

Compounding is what occurs when your cash earns returns, after which these returns themselves begin incomes returns.

Consider it like a snowball rolling down a hill: it begins small, however the longer it rolls, the larger it will get.

By investing month-to-month, you’re giving your cash the utmost probability to compound over a long time.

Step 3: Greenback-Price Averaging (Why Month-to-month Beats “Excellent Timing”)

In case you make investments a set quantity each month, you naturally purchase extra when costs are low and fewer when costs are excessive. That is known as dollar-cost averaging, and it protects you from the not possible process of attempting to “time the market.”

Consistency beats perfection.

The Movie star Ring Value Tags 💍

Earlier than we dive into the numbers, have in mind: the precise value of those rings is not possible to know. The values beneath are based mostly on estimates from jewelers and media stories. Movie star diamonds aren’t traded on the open market—so deal with these because the finest guesses from consultants.

And sure, an image is value a thousand carats—so listed below are the icons themselves:

1. Grace Kelly – $38.8M (10.47-carat Cartier diamond)

2. Mariah Carey – $10M (35-carat emerald-cut diamond)

3. Elizabeth Taylor – $8.8M (33.19-carat Krupp diamond)

4. Kim Kardashian – $8M (20-carat cushion-cut from Kanye West)

5. Beyoncé – $5M (18-carat emerald-cut flawless diamond from Jay-Z)

Honorable Mentions: Jennifer Lopez ($5–7M), Georgina Rodríguez ($5M), Taylor Swift (round $550K).

How A lot You’d Have to Make investments Month-to-month (Beginning at 30)

With 35 years of compounding at 7%:

Step 4: The Actual Lesson

In fact, the purpose right here isn’t to plan your retirement round shopping for Grace Kelly’s Cartier diamond. The actual takeaway is knowing what constant investing can do for your future targets.

Right here’s what this train teaches us:

1. Time is your finest buddy. At 30, you continue to have 35 years to develop your cash. That’s loads of time for compounding to work its magic. Even in the event you really feel “late,” beginning now makes an enormous distinction.
2. Consistency beats perfection. You don’t want to attend for the “excellent” market second. Investing month-to-month—by way of market ups and downs—provides up over a long time.
3. Small steps nonetheless rely. Possibly you’ll be able to’t put aside hundreds monthly, however even $200–$300 a month might develop into a whole bunch of hundreds by retirement. That might imply monetary freedom, journey, or serving to your children with faculty.
4. Your targets don’t must be flashy. For us, the rings are only a metaphor. Change “diamond” with “dream house,” “early retirement,” or “world journey fund.” The identical math applies.
5. The sooner you begin, the simpler it’s. Somebody who begins at 25 might contribute a lot much less every month and nonetheless attain the identical totals as somebody beginning at 35 or 40. However in the event you’re beginning at 30—excellent news—it’s not too late.
6. It’s about freedom, not issues. The actual reward isn’t a diamond—it’s the liberty to say sure to the life you need with out monetary stress.

Closing Phrase

Movie star engagement rings are enjoyable to gawk at—however they’re additionally a reminder of simply how highly effective constant investing might be. At 30, you may really feel such as you’ve already missed the boat. You haven’t. The reality is:

Begin now. Be constant. Let compounding work.

Who is aware of—by 65, you might not have Grace Kelly’s Cartier masterpiece in your finger, however you’ll have one thing even higher: the monetary freedom to say sure to the life you need.

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And in the event you’re able to discover additional, take a look at our e-newsletter rankings beneath to see which service can information your subsequent steps.

We’re paid subscribers to dozens of inventory and choice newsletters. We actively observe each advice from all of those providers, calculate efficiency, and share our outcomes of the highest performing inventory newsletters whose subscriptions charges are below $500. The primary metric to search for is “Return vs SP500” which is their return above that of the S&P500. So, based mostly on August 16, 2025 costs:

Greatest Inventory Newsletters

Rank	Inventory E-newsletter	Picks Return	Return vs SP500	Picks w Revenue	Max % Return	Present Promotion
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High Rating Inventory Newsletters based mostly on their 2024, 2023, 2022 inventory picks’ efficiency as in comparison with S&P500. S&P500’s return is predicated on common return of S&P500 from date every inventory choose is launched. NOTE: To get these outcomes it’s essential to purchase equal greenback quantities of every choose on the date the inventory choose is launched. Investor Enterprise Day by day High 50 based mostly on efficiency of FFTY ETF. Efficiency as of August 16, 2025.