Birkins over Bonds! Fashionistas splashing cash on $25K bags — claiming the payback is better than the S&P

When it comes to investing, Jill Silverstein’s got it in the bag. 

The 35-year-old Hermès hedonist lives by the motto, “If you’re workin’ hard, Birkin hard.”

But Silverstein, a luxury real estate agency owner from Chicago, told The Post that her collection of Hermès’ ever-haute, ever-enviable Birkins isn’t just for flashy show. 

Instead, the pricey purses are a part of her retirement portfolio. 

“The Birkin has literally outperformed the S&P 500 over the last 20 years. And, you know, the stock market is very volatile,” Silverstein noted, calling the bags “a safe investment” — and even claiming that they’ve attracted new business to her bustling brand. 

“It’s just so much fun to invest in things that you care about and really like,” she said.