The Poncho

Throw it over a bikini set—or a cropped top and shorts for the less daring—and team with outsized add-ons for a laid-back vibe that drips with retro charm.

Poncho, Etro. Bikini set, Chanel. Scarf (around head); bangles; sandals, Hermès. Ring; earrings, Kate Spade New York. Necklaces, Louis Vuitton. Charm necklace, Dior. Necklace, model’s own