What I Think About ZCOVA's Ultimate Guide To Buying Diamonds Online

So the other day I stumbled upon this article on VulcanPost:
https://vulcanpost.com/635580/zcova-malaysia-diamonds-disrupt-jewellery/

Yeap, it is about ZCOVA, one of the best place to buy Triple Excellent diamonds in Malaysia.

Within that article, there is a link to this blog post:
https://zcova.com/blog/23/zcova-guide-how-to-buy-diamonds-online

I am in particular interested in point no.2 - A Picture Is Worth A Thousand Words. The below snippet is mentioned: Hearts and Arrows are the fundamentals to create a round diamond. Without the Hearts and Arrows, it will be impossible to produce a round brilliant diamond.

And then from what I understand, they are saying that all round brilliants are Hearts & Arrows diamond, which of course, based on their explanation, they are correct. They then breakdown the H&A into four different categories - Excellent, Very Good, Good, and Poor. While other vendors do call diamonds that are poorly cut using terms like "poor Hearts & Arrows", but when they claim a diamond to be H&A, without specifying whether they are Excellent, Very Good, Good, or Poor, they really mean something that shows the crisp image of Hearts & Arrows. You can read more about WhiteFlash's H&A here, and Brian Gavin Diamonds' one here. Of course, gimmick or not, is up to each individual's interpretation.

Now, under the Excellent category shown by ZCOVA, we see 3 fantastic diamonds. Honestly, the choices selected by them are not bad at all.

The first diamond: GIA 5182301470

GIA 5182301470
Now, this diamond has a pretty wide table. Based on WhiteFlash's ACA standard, this diamond won't fall into their ACA category. The maximum table width that is accepted by WhiteFlash is 58%. However, there are some rare instances whereby a diamond that is slightly out of their specification to be accepted into ACA. For instance, a diamond with a 35.1 degree crown angle (WhiteFlash's standard states that the maximum accepted crown angle is 35 degree). However, for a table this wide, it is surely our of ACA range.

So, does this mean that this is a bad diamond? Not at all? Enchanted Cut Score granted it a cut score of 97.2%, which is actually pretty good. HCA shows a very good number as well, with Excellent in all categories:
HCA for GIA 5182301470
Although the table is slightly wide, this doesn't mean that this diamond is no good. In fact, every other proportions checks out pretty well. One thing I noticed is that this diamond's total depth is below 60%. I observed that usually as diamond's depth goes deeper, the table's width should go smaller. Or, as the diamond's depth goes shallower, the table's width should go wider. Since this diamond has a depth that is on the shallower side, I would say it is acceptable to have a wider table. Of course, this is based on my observation of diamonds, so take it with a pinch of salt.

The center of the diamond looks promising as well, as it contains quite some clustering around the base of the arrows. This clustering will be able to increase the contrast level of the diamond and improve its overall scintillation and fire.

At the 9 o'clock section, I noticed that there is this dark blue patch at the border of the table. Not sure what it is, but I will say that it is probably some indicator that the cut is slightly off. Of course, this is just a guess. So again, remember to take it with a pinch of salt.

How well can this GIA diamond perform, we won't know for sure, as there are no performance images provided. The only image we have is the actual diamond image. Of course, I have to say the proportions is pretty decent and the arrows look pretty decent, with some slight misalignment at  the 11 o'clock position. Overall, I would say this diamond should perform pretty well.  At 3 ringgit shy of 10k, for a 0.6ct F VS1,  I would say not too bad.

Now, let's take a look at what WhiteFlash is offering. The cheapest ACA they are offering is USD 2755.00, which converts to roughly RM 10711.44 using an exchange rate of 3.888. Then add on 6% GST and the total becomes RM 11354.13. Finally, add on some misc. charges and the final price should be approximately RM 11400.00.

So now, the difference between the offering from ZCOVA and the cheapest 60-pointer offering from WhiteFlash is RM 1403.00. Now, whether this price is justifiable is up to each individual. For RM 1403.00 extra, you will be getting a stone with all the necessary images - actual diamond image, IdealScope image, ASET image, and Hearts image. The IdealScope looks red enough, although I would say it still has some room for improvements. The ASET shows some very very slight green (weaker light return between the 5 o'clock to 7 o'clock region, but those are negligible because they are not detected in the ASET inside the certificate. The Hearts look great as well. This is a decent performer.

I won't put my hopes too high when it comes to getting the performance images from any local vendors. Now, I am not talking about ZCOVA alone, but any other vendors as well. This is because they probably won't provide you by saying that there are no such images captured. Maybe they are right, but maybe they have it but just don't want to share with customers, who knows? If some vendor tells you that only a certain carat size is eligible for those performance images, then it makes me wonder why companies such as Enchanted Diamonds is able to provide such images for a 30-pointer diamond, such as this one: https://enchanteddiamonds.com/diamonds/view/R33-07Z264925? OK, maybe this time the answer is "because the supplier does not provide", which is actually an eligible answer because not all suppliers will take the performance images. Despite that, I do know that certain suppliers do provide performance images in their business-to-business (B2B - the sales relationship between the diamond retailer and the diamond supplier) listing and yes, even for 30-pointers. So if a particular vendor is connected to a supplier that is able to do so, then there should provide the performance images to the potential clients as well.

By the way, some may claim that the photo capturing setup is expensive to buy. This may be true for a startup-retailer, as one such device like the DiBox 2.0 from Lexus India can cost more than Euro 9900! However, for diamond suppliers that are doing million dollars of business, I don't think that is a big amount, so I would say they in fact have the capability to buy such devices. As a matter of fact, as mentioned before, some of the diamond suppliers do capture the performance images, so it is up to the diamond retailers to make the decision whether to share it out or not. Enchanted Diamonds is one of the companies that decided to share it out.

Now, let's move on to the next diamond listed in ZCOVA's article - GIA 7271203342:
GIA 7271203342
Now, this diamond has the proportions that meet WhiteFlash's ACA standard, The 35 degree crown angle is a great angle for excellent fire while the 40.6 pavilion angle is a great angle for excellent light return. Besides, the relationship between the crown angle and the pavilion angle is ideally inverse of each other. This means if the crown angle gets steeper, the pavilion angle should get shallower, and vice versa. For this diamond, 35 degree crown angle is considered the maximum steepest angle for the WhiteFlash's ACA standard while the 40.6 degree pavilion angle is considered the shallowest angle for the WhiteFlash's ACA standard, so I would say it is indeed a good pairing! Of course, I would definitely say as long as the numbers fall within WhiteFlash's ACA standard, the diamond is considered hitting the bulls-eye as those numbers are really the perfect middle-ground for a diamond to perform well in all lighting conditions, so the pairing between a steep crown angle and shallow pavilion angle is really just a bonus. The table width of this diamond is at 58% and pairing it with a 61.3% total depth looks good to me as 61.3% is not too deep as deeper diamonds tend to pair with a smaller diamond table width most of the time. So, numbers alone, this is a great diamond! By the way, the HCA score is 1:


There is also some clustering at the base of the arrows and this may increase the contrast of the diamond as well.

Now, if I look at the actual diamond image, the region between 6 o'clock to 8 o'clock seems to have some brownish effect and this sort of effect may be an indicator that the cut is slightly off. Again, we need the IdealScope or ASET images to see things better. Unfortunately, we don't have access to those.

So can we get something similar from WhiteFlash? Yes, there is this 0.341 ct J SI1 A CUT ABOVE® Hearts and Arrows Diamond selling at USD 642.00. Today (28/03/2018), exchange rate from USD to MYR on MoneyMatch is 3.888. So converting USD 642.00 with this rate and the price in RM will be RM 2496.10. Add 6% GST, and the price becomes RM 2645.87. Add on some misc. charges, and the price will be approximately RM 2680.00. Now, the selling price for GIA 7271203342 on ZCOVA is RM 2782.00, so this means in this case, the WhiteFlash ACA is even cheaper! So you actually save RM 182.00 compared to buying from ZCOVA for the same 4Cs. Moreover, that GIA 7271203342 has faint fluorescence, which means the price can be more expensive if it is without. This is because fluorescence in general will bring the price of the diamond down. I actually don't mind fluorescence because based on what I have read, it is hard to find a diamond with fluorescence that has negative impact. Besides, it tends to bring the price of the diamond down and make it a good purchase as long as there is no negative impact. For excellent quality fluorescence diamonds, do consider Brian Gavin Blue.

Now, since ZCOVA's inventory actually belongs to their suppliers, that means there is a chance that you may stumble upon the same piece on other vendor's site, as long as the other vendor also connects to the same supplier. So, let's try to search on Zoara... and voila! Found the exact same piece there! The price will be USD 502. Now, Zoara charges USD 30 for shipping handling fee so we will add that in and this makes the diamond price to be USD 532. Again, let's calculate using MoneyMatch's exchange rate of 3.888, and we get RM 2068.42. Then, add on 6% GST, and the price becomes RM 2192.53. And lastly, add on some misc. charges, and the final price will be approximately RM 2230.00. So, for the exact same piece, you will be saving around RM 552.00 compared to ZCOVA.

How about the next diamond? GIA 5276195461.
GIA 5276195461

Arrows are slightly off at the 2 o'clock and 3 o'clock positions and the arrows at 3 o'clock, 9 o'clock, 10 o'clock, and 12 o'clock positions are not that "highlighted" and this may be an indicator that the cut quality is not as good as a true super ideal. There is a brown patch at the 2 o'clock to 3 o'clock region and this may be another indicator that the cut is not as precise as a true super ideal as well. Nonetheless, proportions look acceptable to me. At 35.5 degree crown angle, it may be slightly too steep but perhaps this can help to increase the diamond's fire. Besides, pairing it with a shallower 40.6 degree pavilion angle seems alright as the relationship between the crown angle and the pavilion angle is ideally the inverse of each other. Again, this diamond did not meet WhiteFlash's ACA standard. Despite that, personally, I am fine with 35.5 degree crown angle when it is paired with a shallow pavilion like this one. The HCA score for this diamond is 1.3:


Now, what can I get from WhiteFlash? This time, no ACA is found. However, I managed to find one Expert Selection which looks pretty decent - 1.023 ct J VVS2 Expert Selection Round Cut Loose Diamond, priced at USD 5234.00. Now, this diamond looks darn beautiful. Despite it has no clustering at the base of the arrows, it is a classic beauty. The Hearts are very precise and the performance images look promising. The 75% lower girdle facet is returning bold sparks as well! Now, you may be wondering if this diamond is that good, then why is it categorized as Expert Selection? Reason is because this diamond has Strong Blue fluorescence. One of the criterias to become an ACA is to have negligible fluorescence. Another reason is probably the 75% lower girdle facet percentage as WhiteFlash's ACA standard starts from 76%.

So, let's count. USD 5234.00 convert to RM using an exchange rate of 3.888 on MoneyMatch will be RM 20349.79. Add on 6% GST, the price becomes RM 21570.78. Add on misc. charges, and the final price becomes approximately RM 21620.00. Now, this is RM 2621.00 cheaper than what is offered by ZCOVA. Of course, we can argue that the strong fluorescence drag the price of the diamond down, which is fair enough, but I believe whatever diamonds that WhiteFlash puts in-house will certainly have no negative impact. Yes, both ACA and Expert Selection are in-house diamonds.

Wait... what about Zoara? Well, let's see... oh, hello there! So again, we can find the same piece on Zoara and the price is USD 5012.66. Add on USD 30 for shipping handling fee and the price becomes USD 5042.66. Using an exchange rate of 3.888 on MoneyMatch, the Ringgit equivalent will be RM 19605.86. Add on 6% GST, and the price becomes RM 20782.21. Lastly, add on some misc. charges, and the final price is approximately RM 20850.00. The price is cheaper by RM 3391.00! That's why I always say Zoara offers very competitive prices for GIA Triple Excellent! Oh, by the way, in case you are wondering, I am not able to locate the first diamond GIA 5182301470 on Zoara, so it probably belongs to another supplier.

ZCOVA's setting starts at RM 1650.00, despite they don't charge for design, but the price looks inclusive of it. Memory Jewellery ring settings start from RM 750.00 and ready-made design like this one costs RM 1000.00. Max price for simple solitaire with custom design but without side-stones will be RM 1500.00.

Now, is ZCOVA still a good place to buy? I would say yes. Although they are not the cheapest, but I believe they are able to guide you to diamonds with pretty good proportions and pretty good cut (although not the best cut). Like what they mentioned, they are the first online diamond shop that provides 360 degree videos for diamonds. Not that other jewelers are not able to do it, but they will share the videos via WhatsApp or email instead. So ZCOVA definitely has a more professional approach. Also, they may argue that Hearts & Arrows are overhyped and there is little to no benefit of getting a very very well cut diamond and honestly, I think there is some truth in it. Some may able to perceive the difference between a standard ideal cut and a super ideal cut while others may not, especially if the cut quality is not too far off.  At least that's what I believe. However, if the quality is really too far off, then the difference will be more obvious. To me, proportions are more important! Of course, the benefit of having a super ideal is that we can have peace of mind, knowing that the diamond will perform well no matter how we look at it as everything is so symmetrical and light performance is well-balanced overall. Even if you belong to a group of people that cannot differentiate the difference between a standard ideal and a super ideal that easily, but buying a better quality item at the right price doesn't seem like a bad idea! Moreover, those that look at your diamond may be able to see the difference and admire it. Most importantly, buying a super ideal means you will get all the necessary performance images, including ASET and IdealScope, and this can help you feel more secure and content, knowing that you are buying something that has tangible proof to back it up. Oh, by the way, if the price difference is a little, or possibly even cheaper, then why not go for the better ones right? ;)

Of course, if you really need a standard GIA Triple Excellent and decides to forgo super ideals, I think Zoara is really a decent place to shop. As you can see, their price is really competitive and although you won't be getting any performance images, you can save some money compared to buying a super ideal. This is good for those who wish to maximize their budget in terms of carat, colour, and clarity without putting too much emphasis on the performance images. So, if you are interested in this and need help, do drop me an email at myengringexp at gmail dot com. I will try to reply the soonest possible.

Until next time. :)










March 28, 2018
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