If everything okay then is buy and ciao. Pricier than customise but easier to settle one-shot. So is give and take.

Seriously, Forevermark is like T&Co, where the price is marked up just because of the brand name. I have seen their diamonds, and they look horrible for a 3Ex stone! Arrows senget like they are drunk.

The best is to get it from Wah Chan, as many guys reported getting good deals there. If you have plenty of time, get the diamond online from Whiteflash or Brian Gavin and have it set locally. Master kambingkoh is very pro with this. Don't know why he is so quiet today...maybe plotting another big buck purchase.

I have shortlisted a few:
https://www.whiteflash.com/loose-diamonds/c...3851560,3851549

https://www.whiteflash.com/loose-diamonds/r...ond-3851549.htm (affiliate link) 0.431 F VS2 @ USD 1263.
My opinion: If your refer to the actual diamond image, although the upper arrows are slightly shorter than the bottom arrows, this is nothing uncommon in Super Ideals, but of course, we can still be picky about this, but I think is overkill to be picky til this level. This diamond is bigger than the others. The hearts and arrows are pretty decent, with some very very minor bending at some of the hearts, with the one at 11 o'clock being slightly more obvious that the rest. However, this is certainly hard to pick up by our own eyes, even with the H&A scope, therefore, I will safely ignore it as well. The colour of the actual diamond looks cool so I would say it is safely an F colour diamond. At 34.4 crown angle, this diamond should return a decent amount of fire as well. IdealScope image shows that this diamond is returning a lot of light the brilliance of this diamond is top notch. ASET wise, excellent, we see no weaker light return (the green colour lights) on both ASET image taken and the ASET image in the certificate. In conclusion, if we play by the book, this diamond is an excellent choice.

Small trick to calculate if the cutter cheated on the diamond. Use the measurements of the diamond and multiply by 0.0061. I learned this from here: http://niceice.com/brian-gavin-signature-v...-arrows-scopes/. However, this is just for reference, as images are still more useful proof as far as I am concerned, but it is good to know too. I have to say that even Black by Brian Gavin will have a difference of 0.0025869356.

4.85 x 4.88 x 2.98 x 0.0061 = 0.430236904. Difference of 0.000763096. So I would say this diamond is cut more towards maximizing its beauty instead of retaining carat weight.

M2U forex rate for USD now is 4.2890. So, this diamond will be RM 5417.01. Add 6% GST, the final price for this diamond will be RM 5742.03.

https://www.whiteflash.com/loose-diamonds/r...id=myengringexp (affiliate link) 0.41 F VS1 @ USD 1288. This diamond will be bright and return some excellent fire. The cool white means it is safely an F colour, although I would say the 0.431 above looks slightly cooler. As usual, IdealScope is excellent and ASET is top notch. The Hearts & Arrows are very good, and if I want to be picky, I would pick on the smaller arrow at the 8 o'clock position, but again, this is not something uncommon. The slightly stepper crown angle and higher crown will return excellent fire and should be marginally better than the 0.431 F VS2 above, which has a crown angle of 34.4 and crown height of 14.8%. Personally, I prefer crown angles above 34.5 and crown height above 15% to increase the diamond's fire and this diamond meets the criteria.

So let's calculate the cut and see if the cutter cheated:
4.77 x 4.80 x 2.93 x 0.0061 = 0.409220208. Difference of 0.000779792. So I would say this diamond is cut more towards maximizing its beauty instead of retaining carat weight.

If I want to play safe, this is the diamond that I am going to buy among these 4 because everything is pretty balanced and coupled with the fact that the cut of this diamond is tend towards maximizing its beauty, why not?

M2U forex rate for USD now is 4.2890. So, this diamond will be RM 5524.23. Add 6% GST, the final price for this diamond will be RM 5855.68.

https://www.whiteflash.com/loose-diamonds/r...id=myengringexp (affiliate link) 0.411 F VS1 @ USD 1292. This diamond shows more brown hue compared to the rest of the lot. If may be a border F/G colour diamond. IdealScope is excellent, but loses to the 2 on top, ASET wise, it is excellent, but if you refer to the ASET in the certificate, you will noticed there is some slight weaker light return in between the 8 o'clock and 9 o'clock positions, but that is not a major concern. While we are at this, do you noticed the ASET in the certificate of this diamond has a big blue burst smacked right in the middle of the ASET image? According to the legend, blue means contrast, therefore, I will say that this diamond may bring a very good contrast that can probably give the diamond more life. Why I am into blue burst? Because when I look at Black by Brian Gavin (another signature super ideal by another company, affiliate link), I noticed a lot of the diamonds have this blue burst, so I am counting on this contrast to give the diamond a more lively look. I tend to think that this feature is more obvious with diamonds with better fire. In this case, this diamond has a crown angle of 34.9, which in theory, should return excellent amount of fire!

So let's calculate the cut and see if the cutter cheated:
4.76 x 4.77 x 2.95 x 0.0061 = 0.408580074. Difference of 0.002419926. So I would say that this diamond has retained some weight, but still tend to cut towards maximizing its beauty.

M2U forex rate for USD now is 4.2890. So, this diamond will be RM 5541.39. Add 6% GST, the final price for this diamond will be RM 5873.87.

https://www.whiteflash.com/loose-diamonds/r...id=myengringexp (affiliate link) 0.411 F VS1 @ USD 1292. This diamond shows some brown hue but it is still safely within F colour as far as I am concerned. IdealScope is excellent, despite looks slightly weaker than the rest. However, there is nothing to worry about, it is still much better than a lot of diamonds out there. ASET is excellent as well. No complains there. Refer to the ASET on the certificate shows there is a blue burst as well. This should be a pretty exciting diamond. With crown angle of 34.8 degree, a higher crown height than the rest, and a smaller diamond table than the rest, this diamond should return an excellent amount of fire! Hearts & Arrows wise, it is not as good as the others. The heart at the 2 o'clock position looks dark at the bottom of the heart. This is probably due to some slight imprecision in cut. The tip of the heart at the same position also bends a little, but nonetheless, this diamond is a pretty exciting diamond. If you are looking for fire, and don't mind the H&A that much, this diamond is a good consideration.

4.76 x 4.78 x 2.95 x 0.0061 = 0.409436636. Difference of 0.001563364. So I would say that this diamond has retained some weight, but very slightly, and it is still cutting towards maximizing its beauty.

M2U forex rate for USD now is 4.2890. So, this diamond will be RM 5541.39. Add 6% GST, the final price for this diamond will be RM 5873.87.

Please note that GST is also applicable to the shipping + insurance cost, but I will ignore it here because the amount is pretty small in comparison to the diamond alone.

Now, we move on to ring setting. This is actually where you can save some money. If you want ready-made ring settings, then you can get a standard 18k white gold solitaire ring setting between RM 750 - RM 1000 from Memory Jewellery at Sentul. Their ring settings are pretty much comparable to what you can see in brick-and-mortar stores. However, if you want to make custom design for solitaire ring, they can provide you with such service as well. The price will be between RM 1000 - RM 1500. Personal suggestion is to make the ring width thicker so that the whole ring looks more elegant. Overall, I will predict the price to be around RM 1200 - RM 1300.

Overall, I think the options above + Memory Jewellery setting will fit well within your budget. I know that you don't prefer online, but do take a look at them and then you can compare the proportions with the stones out in the market.

Good luck!

Better get the GIA cert number or IGI cert number in order for us to evaluate further.