As we stand on the precipice of 2026, the landscape for luxury assets is shifting. The “COVID boom” is fully in the rearview mirror, replaced by a market that values rarity, quality, and provenance above all else. Here is the New York Loan Company forecast for the year ahead.
1. The “Flight to Quality” Intensifies
In 2026, we expect the gap between “good” and “exceptional” to widen.
- Watches: Common Rolex models will remain flat, but rare vintage references and independent creations will see growth.
- Diamonds: Commercial white diamonds may soften, but large (5ct+), high-clarity stones and fancy colors (pink, blue) will continue to appreciate.
2. Tangible Assets as Inflation Hedges
With economic uncertainty lingering, High-Net-Worth Individuals (HNWIs) will continue to allocate capital to tangible assets. Art, gold, and collectibles are not just hobbies; they are hedges against currency fluctuation. We anticipate an increase in clients buying bullion and investment-grade jewelry specifically for wealth preservation.
3. The Normalization of Asset-Backed Lending
Borrowing against luxury goods is no longer a taboo; it is a financial strategy. In 2026, we predict more entrepreneurs and investors will use their collections to fund business opportunities. The stigma is gone. It is simply smart leverage.
4. Sustainability in Luxury
Provenance will include “ethical sourcing.” We are already seeing a premium for gemstones with clear, ethical supply chains. Documented origin will become a key factor in valuation.
Prepare your portfolio for 2026. If you need to rebalance your assets or access liquidity to take advantage of these trends, we are here to assist.
