Fine jewelry is made from gemstones and precious metals. It's usually worn to dinners, parties, events, and other special occasions. It costs more than fashion jewelry or costume jewelry, and it needs to be cared for properly.
Fine jewelry completes your fashion ensemble. You don't need too many pieces, and it's not too late to get started building a collection if you have the budget for it. After all, fine jewelry is an investment since it holds its value and even becomes more valuable.