Luxury watches are often considered an asset but there’s no guarantee when you buy a watch that its value will increase over time.

Not every Rolex, for example, is an investment-worthy watch.

If you want to invest in a luxury watch, consider these three truly investment-worthy names.

Three investment-worthy luxury watches

These three luxury watches have consistently proven to be investment-worthy over time.

Rolex Daytona

The steel and bicolour Rolex Daytona is considered a solid investment. It has seen returns over a shorter timeframe than other luxury watches.

rolex daytona

The Cosmograph Daytona was introduced in 1963 for professional racing drivers, as the name suggests. Today, a new or pre-owned Daytona remains a solid investment.

rolex daytona

The self-winding mechanical chronograph has fewer components than standard to allow for more reliable movement.

Patek Philippe Nautilus

Patek Philippe’s Nautilus range is extensive so there are plenty of options to choose from.

patek phillippe nautilus

The materials in the Nautilus range include stainless steel, rose and white gold. They also come in two-tone combinations.

patek phillipe nautilus

The Nautilus was released in 1976 as a sporting watch. Its design features the quintessential rounded octagonal bezel and embossed dial.

Audemars Piguet Royal Oak

The Royal Oak was introduced in 1972 with what is now its iconic steel case, octagonal bezel, “tapisserie” dial and integrated bracelet.

audermans piguet royal oak

The Royal Oak collection still features the recognisable octagonal bezel with eight hexagonal screws.

audermans piguet royal oak

The Royal Oak collection is extensive and includes many different options for material composition, strap and colours.

Prices of these watches in South Africa

Naturally, these watches carry hefty price tags because they’re considered assets.

The price of a luxury watch will depend on a number of factors, including its style, age and what it’s made from… gold, platinum, diamonds.

What you pay for the watch will, of course, influence its value as an asset.

The Rolex Daytona is the most reasonably priced of the three, with prices starting from a few hundred thousand rand up to one million plus. They sell for multi-millions less frequently.

Some styles of Patek Philippe Nautilus are frequently priced in the millions but others will only set you back a few hundred thousand rand.

You can also invest in an Audemars Piguet Royal Oak for a few hundred thousand rand but the highly coveted pieces are priced in the millions.

They reach the same high-millions price tag as the Patek Phillipe Nautilus less frequently.

If you own one of these watches, you know it’s one of the world’s investment-worthy luxury watches.

Asset-based loans using a luxury watch

If you own a luxury watch that has been valued, you can access its value by using it as collateral on an asset-based loan.

Once the loan and the associated interest are repaid, your watch is returned to you.

At lamna, we offer discreet loans against the value of a wide range of assets, including luxury watches. For more information about using an asset to secure a loan, contact us on 086 111 2866 or simply complete and submit our online application form.

Complete our Online Application Form

Related posts

APR & Loan repayment period

Fixed rates range from 36% to 60% APR and payment options range from minimum 3 to maximum 24 months. Apart from the initiation and monthly fees shown below, the only additional fee is credit life insurance if the borrower does not have this already.


All accounts may be renewed if they are up to date.


All payments are made via EFT or direct deposits into Lamna’s bank account. There are no debit orders.


Non-payments may result in the matters being escalated.

Illustrative example

Client borrows R10,000 for 90 days.

Loan Amount Repayment Period Monthly Repayment Total Cost of Loan Initiation Fee Monthly Fee
(Interest + Service charge)
R10 000 3 months R568.40 R12 902.20 R1 197 R560 60%