Consider the occasion. Opt for a simple, understated piece for daytime and a more precious or extravagant piece for evening.
Accent a V-neck with a drop pearl necklace or solitaire pendant. This same piece also complements boat-neck and crewneck tops. Match gemstone colors to those found in your outfit and earrings.
Accessorize strapless and off-the-shoulder necklines with a necklace that remains close to the neck. Pair a faux gem choker on an invisible string with a top made of satin or silk. Add elegant sophistication with a short strand of pearls.