Monaco is not a place that tolerates underdressing. It is also not a place that tolerates trying too hard. The dress code is unwritten but universally understood: understated, expensive-looking, effortless. The women who get it right are not wearing more. They are wearing less, better.

Here is exactly what to pack.

The Foundation: Three Bottoms

A midi skirt in ivory or stone. Monaco in the right midi skirt is everything the city promises — afternoon at the Café de Paris, an early evening walk along the port, dinner somewhere with a view of the water. The midi is the Monaco length: not trying to be young, not trying to be conservative, simply correct.

Wide-leg trousers in camel or white. For the days. For every day, actually. With a simple camisole they are already dressed. With a blazer thrown over the shoulder they are whatever you need them to be.

One co-ord set. A matching set in a muted print or solid neutral is the Monaco shortcut. Already an outfit, already considered, nothing to think about when you are already thinking about where to have lunch.

The Tops: Keep Them Simple

Monaco does not need your most interesting top. It needs your best one. A cowl-neck camisole in ivory. A fluid blouse with a single considered detail — a tie-back, a frill, an eyelet. A bodysuit in a neutral that tucks cleanly and does not move all day. Three tops, all neutral, all interchangeable with everything else in the bag.

The One Dress

One dress. Not three. A wrap or shift dress in a neutral fabric — something that does not wrinkle in a suitcase, does not require specific undergarments, and works from afternoon into evening without any effort. The kind of dress that gets noticed not because it is loud but because it fits and the woman wearing it looks completely at ease.

The Jumpsuit

A wide-leg jumpsuit in linen or a fluid fabric is the most useful thing in the Monaco suitcase. One piece, already an outfit, appropriate for every setting from morning coffee to yacht boarding. Belted for structure; unbelted for everything else.

What Not to Pack

Logos. Anything that was clearly chosen for Instagram rather than for wearing. Colours that compete with each other. Anything you are not certain about. Monaco has no patience for things you are not certain about.

The Palette

Ivory, cream, white, camel, stone, soft navy. This is the Monaco palette and it has been the Monaco palette for sixty years. It photographs against the Mediterranean blue like nothing else does. It looks right at every time of day. It requires no coordination because everything already matches.

Everything on this list is available at millionairestyles.com — selected for exactly this kind of travel.