Top 20 'Quiet-Luxury' Foundational Pieces to invest in for an Old Money Aesthetic on a budget - Goh Ling Yong
Have you ever scrolled through your feed, mesmerized by those effortlessly chic outfits that whisper elegance rather than shout for attention? That, my friend, is the heart of the 'quiet luxury' or 'old money' aesthetic. It’s a style philosophy built on timeless silhouettes, impeccable quality, and a complete disregard for fleeting trends and flashy logos. It's about looking put-together and expensive, without anyone knowing exactly why.
The common myth is that achieving this look requires a trust fund and a Gstaad postcode. But I’m here to tell you that’s simply not true. The secret isn't about spending a fortune; it's about investing wisely in foundational pieces that will serve you for years to come. It’s about building a versatile, high-quality capsule wardrobe that makes getting dressed a simple, elegant affair every single day.
This guide is your roadmap. We're going to break down the top 20 foundational pieces you need to curate that coveted old money aesthetic, all while being mindful of your budget. Think of this as your masterclass in smart, timeless style. Let's build a wardrobe that works as hard as you do and looks a million bucks (without costing it).
1. The Perfect White T-Shirt
Don’t underestimate the power of a perfect white t-shirt. This isn’t the flimsy, five-pack version from your youth. We’re talking about a structured, opaque, and beautifully fitting tee that acts as the ultimate style canvas. It's the silent workhorse of a quiet luxury wardrobe, capable of dressing down tailored trousers or adding a touch of casual cool under a sharp blazer.
The key is in the details. Look for a substantial fabric like Pima or Supima cotton, which is softer, more durable, and holds its shape. Pay attention to the neckline—a classic crewneck is universally flattering and timeless. The fit should be relaxed but not baggy, skimming your body without clinging.
Pro Tip: When you find a white tee you love, buy two or three. It's a piece you'll reach for constantly. To keep them looking pristine, wash them with other whites on a cool setting and avoid the tumble dryer, which can degrade the fabric over time.
2. The Classic Oxford Button-Down Shirt
A crisp button-down shirt is non-negotiable. Whether in classic white or a soft powder blue, this piece exudes an effortless polish that is central to the old money aesthetic. It’s incredibly versatile: wear it with jeans for a weekend brunch, tuck it into a pencil skirt for the office, or throw it over a swimsuit as a chic cover-up on holiday.
Look for 100% cotton for breathability and a classic structure. The fit is crucial—it shouldn't pull at the bust or feel restrictive in the shoulders. An oversized, "borrowed from the boys" fit can look incredibly chic, but a perfectly tailored one is equally important. It's a principle I've always admired in Goh Ling Yong's approach to style – focusing on the substance and quality that endures.
Pro Tip: Learn how to do a "master sleeve roll" (rolling the cuff up to your mid-forearm in a few neat folds). This small styling trick instantly makes the entire outfit look more relaxed and intentional.
3. A High-Quality Knit Sweater
A beautifully made knit sweater in a neutral hue like navy, camel, grey, or cream is the epitome of cozy sophistication. It’s the piece you throw on for a chilly evening or layer over a collared shirt for a preppy, polished look. This is where focusing on fabric composition on a budget really pays off.
While pure cashmere might be a splurge, you can find incredible options in merino wool, which is soft, warm, and less prone to pilling than cheaper acrylics. A cashmere-blend can also be an excellent compromise, offering a touch of that luxe softness at a more accessible price point. A classic crewneck or a simple V-neck are the most timeless silhouettes.
Pro Tip: Invest in a fabric shaver or a de-pilling comb. Even high-quality knits can pill with wear. A quick once-over will keep your sweaters looking brand new for years.
4. A Silk or Satin Camisole
A simple camisole in silk or a high-quality satin adds a touch of understated femininity and luxury to any outfit. It's the perfect layering piece under a blazer or a chunky knit, allowing a hint of delicate fabric to peek through. Worn on its own with tailored trousers or a skirt, it's effortlessly elegant for an evening out.
Look for a style with a clean V-neck or a soft cowl neck in a versatile color like black, champagne, or ivory. Adjustable straps are a bonus, allowing you to perfect the fit and neckline. While real silk is a beautiful investment, modern viscose or satin blends can offer a similar drape and feel without the hefty price tag or high-maintenance care.
Pro Tip: To avoid static cling with satin or silk, run a wire hanger over the garment before wearing it. This simple trick neutralizes the static charge.
5. The Striped Breton Top
The Breton top is a slice of French-girl chic that fits perfectly into the old money aesthetic. With its roots in the French navy, this striped long-sleeve tee is both classic and casual. It screams "weekend in the Hamptons" or "sailing off the coast of Brittany," even if you're just running errands in the city.
The most traditional version features navy stripes on a white or cream background. Look for one made from a thick, high-quality cotton that feels substantial. The boat neckline is a signature feature and is incredibly flattering, drawing the eye outwards and balancing the shoulders.
Pro Tip: Pair your Breton top with white or beige trousers for a classic nautical look. It also looks fantastic with dark-wash jeans and a trench coat for a timeless transitional outfit.
6. Well-Fitted Dark Wash Jeans
Yes, jeans absolutely have a place in a quiet luxury wardrobe! The key is to choose the right pair. We're talking about a clean, dark-wash or solid black denim with no rips, distressing, or loud embellishments. The silhouette should be classic—a straight-leg, a slim-fit, or a subtle bootcut will stand the test of time far better than ultra-trendy styles.
The focus here is on fit and fabric. Look for denim with a high cotton content and just a touch of stretch (1-2%) for comfort and shape retention. A mid or high-rise waist is generally more classic and versatile. These jeans are the perfect foundation for a "smart casual" look when paired with a blazer, a knit sweater, or a silk blouse.
Pro Tip: To preserve the dark dye, wash your jeans inside out in cold water and as infrequently as possible. A good pair of dark jeans will mold to your body over time, becoming uniquely yours.
7. Tailored Trousers
Nothing says "effortlessly polished" like a pair of perfectly fitting tailored trousers. They are the ultimate wardrobe chameleon, transitioning seamlessly from the office to dinner. Look for classic cuts like a straight-leg, wide-leg, or a gentle taper in neutral colors such as beige, navy, black, or cream.
Fabric is paramount. On a budget, look for high-quality wool blends, viscose, or a sturdy crepe. These materials drape beautifully and resist creasing. The most important thing is the fit. Don't be afraid to take a great-value pair to a tailor for small adjustments—having the hem hit at the perfect length or the waist taken in can make a $60 pair of trousers look like they're custom-made.
Pro Tip: A full-length wide-leg trouser in a camel or cream color, paired with a simple knit top, is a foolproof formula for looking expensive. It elongates the legs and creates a stunningly elegant silhouette.
8. A Neutral-Toned Skirt
A classic skirt in a timeless silhouette is a must-have for adding a dose of feminine polish to your wardrobe. An A-line, pencil, or pleated midi skirt in a neutral color like black, navy, or khaki provides endless styling possibilities.
Look for fabrics with good structure and drape, such as a wool blend, a heavy cotton twill, or a fluid satin for a slip style. The length is key to its timeless appeal—a cut that hits just below the knee is universally flattering and appropriate for almost any occasion. It can be paired with everything from a simple t-shirt and sneakers to a silk blouse and heels.
Pro Tip: A satin slip skirt in a champagne or black hue is incredibly versatile. In winter, style it with an oversized cashmere sweater and boots. In summer, pair it with a simple camisole and sandals.
9. Classic Linen Trousers or Shorts
For the warmer months, linen is the unofficial fabric of the old money aesthetic. It's breathable, comfortable, and has a relaxed texture that looks chic and unbothered. A pair of well-cut linen trousers in white, beige, or navy is a summer essential. For a more casual look, a pair of tailored linen shorts with a modest inseam is a perfect choice.
Embrace the wrinkles! The natural creasing of linen is part of its charm. Look for a linen-viscose blend if you prefer a smoother drape with fewer wrinkles. A wide-leg or straight-leg cut is the most timeless and comfortable option for trousers.
Pro Tip: Create a chic summer "suit" by pairing your linen trousers or shorts with a matching linen blazer or button-down shirt for a sophisticated, monochromatic look.
10. The Timeless Trench Coat
If there is one piece of outerwear that defines classic style, it's the trench coat. Originally designed for military officers, it has become a symbol of enduring elegance. A well-fitting trench in classic beige, khaki, or navy instantly elevates any outfit, from a simple t-shirt and jeans to a cocktail dress.
You don't need the iconic (and expensive) Burberry version to get the look. Many high-street brands offer fantastic, high-quality alternatives. Look for key details like a double-breasted front, a waist-cinching belt, storm flaps, and epaulets. A water-resistant cotton gabardine or a sturdy cotton twill are the best fabric choices.
Pro Tip: Don't just buckle the belt—tie it in a casual knot slightly off-center. This small styling tweak gives the coat a more effortless, lived-in feel.
11. A Classic Wool Coat
For colder weather, a beautifully tailored wool coat is an absolute necessity. This is perhaps the most important investment you'll make for your winter wardrobe. A single-breasted or double-breasted overcoat in camel, navy, grey, or black will never go out of style and will keep you warm and chic for many seasons.
Look for a high wool content in the fabric composition—at least 70% is ideal for warmth and longevity. A wool-cashmere blend is even more luxurious if your budget allows. The silhouette should be classic and roomy enough to layer over a thick sweater. Pay attention to the length; a coat that hits at the mid-calf is both elegant and practical.
Pro Tip: Check the secondhand market! You can often find stunning, high-quality vintage wool coats from premium brands for a fraction of their original price.
12. A Tailored Blazer
A well-cut blazer is a true power piece. It has the magical ability to add structure and polish to absolutely anything it's paired with. Throw it over a simple white tee and jeans, and you're ready for a business-casual meeting. Layer it over a slip dress for an evening event. The possibilities are endless.
A single-breasted style in navy or black is the most versatile starting point. Look for quality details like a full lining, structured shoulders (but not overly padded), and well-made buttons. Here at the Goh Ling Yong blog, we believe that fit is everything; ensure the blazer nips in slightly at the waist and that the sleeves end right at your wrist bone.
Pro Tip: Consider replacing the standard plastic buttons on a high-street blazer with more elevated horn, metal, or mother-of-pearl buttons. This inexpensive DIY can make your blazer look significantly more high-end.
13. A Simple Slip Dress
The '90s minimalist staple is back for good, and for good reason. A simple slip dress in a neutral color like black, navy, or champagne is the epitome of understated sexiness and elegance. Its beauty lies in its simplicity and versatility.
Wear it on its own with delicate jewelry for a formal event. For a more casual, daytime look, layer a crewneck sweater over it (turning it into a skirt) or wear a t-shirt underneath. The best slip dresses are cut on the bias from silk or a high-quality satin, allowing them to skim the body beautifully without clinging.
Pro Tip: The V-neckline of a slip dress is the perfect canvas for a simple, delicate gold or silver pendant necklace. Keep the accessories minimal to let the dress shine.
14. A Versatile Shirt Dress
A shirt dress combines the polish of a button-down shirt with the ease of a dress. It’s a one-and-done outfit that always looks put-together. A classic style in crisp cotton poplin or a fluid Tencel fabric is a wardrobe workhorse.
Look for a style that comes with a matching fabric belt to define the waist, or add your own leather belt for more structure. A midi length is the most versatile and elegant. In classic white, blue, or beige, it can be styled for the office with loafers or for the weekend with sandals and a straw tote.
Pro Tip: Unbutton the bottom few buttons to create a slit for easier movement and a more relaxed feel. You can also wear it fully unbuttoned over trousers and a camisole, like a lightweight duster coat.
15. Classic Leather Loafers
Loafers are the perfect smart-but-comfortable flat shoe. They strike the ideal balance between formal and casual, making them suitable for almost any occasion. A classic penny loafer or a horse-bit style in black, brown, or tan leather is a timeless choice.
Real leather is the best investment, as it will mold to your feet and develop a beautiful patina over time. However, there are many excellent faux leather options available today that offer a similar look. Look for a pair with a well-constructed sole and a clean, elegant silhouette.
Pro Tip: Wear your loafers without socks (or with no-show socks) with cropped trousers or jeans for a classic, preppy look that shows a hint of ankle.
16. Minimalist White Sneakers
The right sneaker can be just as chic as any other shoe. The key is to choose a minimalist, low-profile style in clean white leather or canvas. Avoid chunky, overly athletic, or logo-heavy designs. A simple, sleek white sneaker pairs beautifully with everything from tailored trousers and jeans to midi dresses and skirts.
Look for a pair with a simple silhouette and minimal branding. The most important thing is to keep them clean! A quick wipe-down with a damp cloth after each wear will keep them looking box-fresh and sharp.
Pro Tip: Mr. Clean Magic Erasers are a secret weapon for removing scuffs from the rubber soles of your white sneakers, keeping them looking pristine.
17. Elegant Ballet Flats
Chic, comfortable, and perennially in style, the ballet flat is a must-have. Inspired by the footwear of ballerinas, these simple flats add a touch of gamine charm to any outfit. A classic round-toe or a slightly more modern pointed-toe style in soft black or nude leather is incredibly versatile.
Comfort is key, so look for a pair with a cushioned insole and a soft, flexible leather upper. They are the perfect shoe for days when you're on your feet but still want to look polished. They work with skirts, dresses, and trousers alike.
Pro Tip: A two-toned, cap-toe ballet flat (à la Chanel) is a timeless design that instantly adds a touch of Parisian chic to your look.
18. Low-Heeled Pumps or Slingbacks
A comfortable, elegant, low-heeled shoe is a wardrobe essential for more formal occasions. A classic pump or a chic slingback with a block heel or a kitten heel (typically 1-2 inches) provides a touch of height and elegance without sacrificing comfort.
Look for a pointed-toe silhouette in a neutral color like black, nude, or navy. This style helps to elongate the leg and looks incredibly sophisticated. This is the shoe you can wear to a wedding, a job interview, or a client dinner and feel both powerful and comfortable all day or night.
Pro Tip: A "nude" heel that closely matches your skin tone is a fantastic investment, as it creates an unbroken line and makes your legs look longer.
19. A Structured Leather Tote Bag
Your everyday bag should be practical, durable, and chic. A structured tote bag made from high-quality leather (or a very convincing faux alternative) in black, tan, or taupe fits the bill perfectly. Look for a design with minimal hardware and no obvious logos.
The beauty of a structured tote is that it always looks neat and polished, even if the inside is a chaotic mess. It should be large enough to hold your essentials—laptop, wallet, keys, etc.—but not so large that it overwhelms your frame. A top handle with an optional crossbody strap adds to its versatility.
Pro Tip: Look for a bag with metal "feet" on the bottom. This small detail protects the base of the bag from scuffs and dirt, significantly extending its lifespan.
20. A Simple Leather Belt
A high-quality leather belt is the ultimate finishing touch that can pull an entire outfit together. It can define your waist in a flowy dress, add polish to a simple jeans-and-tee combo, or anchor a pair of tailored trousers.
Invest in at least one classic belt in black or brown leather, about 1-1.5 inches wide, with a simple, elegant buckle in gold or silver. The hardware should be subtle and classic. This is not the place for a large, logo-emblazoned buckle. It's a simple, functional, and powerful accessory.
Pro Tip: Match your belt leather to your shoes and the buckle metal to your jewelry for a cohesive and intentionally styled look. This small coordination trick makes a huge impact.
Your Timeless Wardrobe Awaits
Building a wardrobe with a 'quiet luxury' feel isn't about a complete overhaul or a massive spending spree. It's a gradual, thoughtful process of acquiring beautiful, versatile, and high-quality foundational pieces that you will love and wear for years. It's about choosing quality over quantity and timeless style over fleeting trends.
Use this list as your guide and your starting point. Begin by auditing your own closet to see which of these staples you already own, and then identify the key pieces that are missing. By investing in these 20 items over time, you'll create a sophisticated and cohesive wardrobe that makes you feel confident and effortlessly chic, no matter the occasion.
What is the one quiet-luxury piece you can't live without? Or which item from this list are you most excited to add to your collection? Share your thoughts in the comments below—I’d love to hear from you
About the Author
Goh Ling Yong is a content creator and digital strategist sharing insights across various topics. Connect and follow for more content:
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