
With the arrival of winter, this is the best time to embrace comfort and fashion, and the eternal turtleneck sweater is a fashionable staple for women over 60 years old. This season provides an excellent opportunity to perfect your personal style, and a turtleneck sweater is the perfect starting point for both formal and casual looks, proving that fashion can be kept relaxed and fashionable at any age.
While turtlenecks are a beloved classic, their high-neck design can sometimes present styling challenges, making some feel they might appear a bit conservative. However, a turtleneck is actually the ideal backdrop, a sophisticated stage just waiting for the perfect accessories to truly make your outfit shine and elevate your overall look.
Ready to unlock the full potential of your favorite turtleneck and give it that stunning, eye-catching appeal? We’ve gathered 11 brilliant tips on how to wear necklaces with your turtleneck, ensuring you create outfits that are both modern and incredibly chic. Get ready to accessorize with confidence and make every turtleneck outfit a true statement, starting with these foundational styling secrets that will have you looking and feeling your absolute best this month!

1. **Keeping It Simple Yet Chic with a Minimal Necklace**Sometimes, the most impactful statements are made through elegant simplicity. Our first brilliant tip for styling your turtleneck with a necklace is to embrace a minimalist approach. Opting for a simple necklace can work wonders in elevating your entire look, adding a touch of understated sophistication that never goes out of style, especially for women over 60 looking for refined elegance.
A minimal necklace, with its clean lines and subtle sparkle, draws attention without overwhelming the neckline. This approach allows the quality and cut of your turtleneck to shine through, creating a balanced and harmonious ensemble. It’s about adding just enough detail to catch the eye, indicating thoughtful styling without appearing overdone.
What’s truly liberating about a minimalist necklace is the freedom it grants you to experiment with other elements of your outfit. Since your neckline accessory is understated, you have ample room to play around with bold patterns and vibrant colors elsewhere. Imagine a richly patterned skirt or a brightly hued blazer paired with a simple necklace and your favorite turtleneck—the possibilities for expressive, yet sophisticated, looks are endless.
If you find yourself gravitating towards simplicity but crave a tiny bit more texture or visual interest, consider a beaded, multi-strand necklace. This option offers a touch more complexity than a single chain, yet still maintains an overall sense of effortlessness and refinement. It’s a wonderful way to add depth to your look while keeping the spirit of elegant simplicity alive.

2. **Embracing Elongation with a Longer Chain and Pendant**One of the most effective ways to counteract any feeling of a “closed up” neckline from a turtleneck is by strategically choosing a longer chain with a pendant. This styling secret is a game-changer, especially for women over 60, as it elegantly elongates the torso and creates beautiful visual interest, transforming a plain turtleneck into a focal point.
As professional stylist Ava Collins advises, “If you wanted to wear a necklace, go with a longer chain.” She emphasizes that “the otherwise plain turtleneck can be made visually interesting by a simple and long chain with a pendant. This look is elegant and simple to make.” The gentle curve of a longer chain draws the eye downwards, creating a pleasing vertical line that adds grace and sophistication to your overall silhouette.
New York-based stylist Lisa von Weise echoes this sentiment, sharing that a longer pendant necklace “should not, in any way, fight with the neck.” She explains, “In fact, a pendant or a longer length necklace would fill in the space and elongate the torso. A turtleneck can kind of make you feel a little closed up, and the look is a bit Victorian, but you’ve really got to do something with all that empty space there.” This insight highlights the power of a long necklace to balance the turtleneck’s high neckline, preventing it from looking too severe or weighty.
Forget those outdated visions of skinny silver chains awkwardly popping out over the top of the turtleneck, a look von Weise dismisses as definitively “1983” and “outdated.” Instead, embrace the contemporary elegance of a longer chain that gracefully drapes over the fabric. This method not only modernizes your turtleneck style but also adds a touch of refined artistry, making your outfit feel intentional and impeccably put-together.

3. **The Art of Layering for a Stylish and Dynamic Look**For those who love to express their creativity through fashion, layering necklaces over a turtleneck is an absolute must-try. This technique instantly creates a fun, stylish, and incredibly dynamic outfit, adding depth and a personalized touch that will undoubtedly turn heads. It’s an empowering way to showcase your unique collection and make a strong fashion statement.
You don’t even need a specially designed layered necklace to achieve this chic look. If you don’t have a single necklace with multiple strands, simply gather several of your favorite individual necklaces and layer them artfully over your turtleneck. The key is to arrange them so they complement each other, creating a cascade of shine and texture that enhances, rather than clutters, your neckline.
This is your moment to truly explore and let your unique style come alive! Experiment with necklaces in various metals – perhaps a delicate silver chain paired with a warm gold pendant, or a rose gold piece to create a soft, beautiful contrast, showcasing your sophisticated taste.
However, a crucial tip for successful layering, especially when combining several necklaces, is to ensure they don’t get tangled. You want to achieve an effortlessly chic appearance, not a messy or cluttered one. And for those contemplating layered pearly necklaces, remember to “throw in a unique pendant necklace to break the monotony of pearls,” as the experts suggest. This small detail ensures you radiate modern elegance, rather than resembling an outdated caricature, keeping your style fresh and vibrant, much like the iconic Marisa Berenson, who beautifully demonstrates the art of layered necklaces with her turtlenecks.

4.Who says styling a turtleneck must always involve long, dangling necklaces? For a chic and refreshing change, try a thin, subtle collar necklace. This clever approach adds a delicate touch of sparkle, demonstrating that shorter necklaces can be just as impactful and stylish for women over 60.
A collar necklace, sitting snugly against your neck or just above the turtleneck, introduces an immediate touch of elegance and sparkle. It’s a refined way to draw attention to your neckline without adding significant bulk, making it an excellent choice for a more polished or understated look. Think of it as a subtle wink of glamour that elevates your ensemble effortlessly.
To create an even more eye-catching look, select a collar necklace that offers a striking color contrast to your turtleneck. Imagine a gleaming silver collar against a deep black turtleneck or a vibrant jewel tone against a soft neutral cashmere, creating a visually engaging focal point.
What makes the thin collar necklace particularly versatile is its adaptability to various occasions. This pairing looks absolutely amazing with a suit, creating a “chill official look” that is both professional and fashion-forward. Alternatively, team it with a pair of jeans for an elevated casual ensemble, transforming everyday wear into something truly special. As seen on blogger Doina Ciobanu, a thin collar necklace can indeed add just the right amount of sparkle and shine, proving its power to enhance any turtleneck outfit.

5. **Going Bold: Accessorizing with a Striking Statement Necklace**For those who embody the philosophy of “go big or go home” when it comes to fashion, this tip is made for you! Accessorizing your turtleneck with a striking, blinged-out statement necklace is an incredibly powerful way to ensure you stand out and infuse your outfit with undeniable drama and personality. It’s about confidently embracing maximalism and letting your jewelry do the talking.
A plain turtleneck, with its minimalist design, provides the perfect “great background for a catchy statement necklace.” It acts as a blank canvas, allowing your bold piece to truly pop and command attention. The contrast between the simple fabric and the intricate, sparkling design of the necklace creates a dynamic visual that is both modern and utterly captivating, ensuring your style is anything but boring.
Consider layering a beaded collar over a simple turtleneck for an instant touch of glamour. This method, as seen with actress Charmin Lee, can transform a basic garment into a stunning centerpiece, adding texture and sparkle that beautifully complements the smooth fabric of the turtleneck.
Even sleeveless turtlenecks can be glamorized and taken to new heights when styled with a catchy statement necklace. Whether it’s for a special event or simply to add a touch of everyday luxury, a bold necklace makes a definitive statement. This maximal or bold statement necklace pairs perfectly, giving your outfit an attractive, creative, and artistry touch and look that is sure to empower your style and confidence.

6. **Elevating Sparkly and Embellished Turtlenecks with Contrast**Who says only plain turtlenecks get to have all the fun with accessories? Prepare to challenge that notion and embrace the glamor! This next transformative tip reveals that even a sparkly or embellished turtleneck can be masterfully styled with a contrasting statement necklace, taking your dressy looks to an entirely new level of sophistication and sparkle.
If your turtleneck already boasts a subtle shimmer or intricate detailing, don’t shy away from adding more jewelry. Instead, choose a statement necklace that offers an interesting contrast in texture, color, or style, creating a rich, multi-dimensional look that feels both luxurious and carefully curated.
We’ve all seen this breathtaking style grace red carpets countless times, showcasing how a well-chosen contrasting necklace can elevate an already embellished piece into an unforgettable ensemble. This approach is particularly empowering, demonstrating that your turtlenecks, whether cozy knits or glittering formal wear, are versatile canvases awaiting your creative touch. It proves that there’s no limit to how much glamour you can infuse into your look, regardless of the turtleneck’s initial design.

7. **Daring to Dazzle with Color Clashing and Color Blocking**Ready to add an exhilarating splash of vibrancy to your winter wardrobe? This tip encourages you to shed any fear of traditional fashion rules and confidently dive into the exciting world of color clashing and color blocking when accessorizing your turtleneck. It’s a fantastic way to make a bold, modern statement that truly reflects your vivacious personality.
Think beyond the expected matching sets and embrace the dynamic interplay of contrasting hues. If you’re fortunate enough to have turtlenecks in a variety of vibrant colors, now is the perfect moment to experiment with necklaces that provide a playful yet sophisticated pop. For those who appreciate a guiding hand, remember you can always turn to the trusty color wheel to discover combinations that create harmonious, eye-catching contrasts.
But beyond the technicalities of color theory, the true magic of this tip lies in confidence. Rocking bold, clashing colors is a powerful statement in itself, signaling a joyous embrace of personal style and a refusal to fade into the background. It’s about creating outfits that are not only visually captivating but also radiate your self-assured spirit, turning heads for all the right reasons.

8. **Making a Statement with a Large Pendant and Simple Chain Layer**And for our final, yet equally impactful, styling secret: unlock the power of a large pendant. This tip involves layering a necklace featuring a substantial, eye-catching pendant with a simpler chain over your turtleneck. It’s a masterclass in creating a unique and captivating look that guarantees you’ll stand out with minimal effort, achieving maximum style points.
The magic of pairing a large pendant with a delicate chain lies in the beautiful contrast it creates. The bold pendant immediately captures attention, while the simple chain provides a refined backdrop, ensuring the overall look remains sophisticated rather than overwhelming.
This specific styling approach is all about making a deliberate visual statement. The large pendant acts as an artistic focal point, drawing the eye and adding a unique dimension to your turtleneck. You can find great inspiration by looking at how artist Cleo Wade styles her turtlenecks on social media.
Whether you prefer understated elegance or bold artistic talent, this month, let these techniques inspire you to consider a turtleneck sweater as an exciting canvas for your favorite necklace. Try colors and textures to your heart’s content, and most importantly, wear every outfit with confidence, truly praising your unique style!
