I wouldn't consider it an investment piece but I think it's a cute shirt, however I wouldn't invest a significant amount of money in it. I don't think it would look weird with a cami underneath.
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"Life is much too serious to take seriously"- Nikki Giovanni
I think it has a classic appeal. The quality of the fabric would make it feel wonderful on. I think its definitely an investment piece. F21 clothes fall apart in like one wash, they are a good resource for tops you'll only wear a few times, but I think this top is very versatile and worth it. But I do think it would look weird with a cami, it distracts the neckline.
I consider it a good investment. Wear with jeans, heels, and a lacy cami underneath for a sexy look.....or wear under a suit for a sexy-businesswoman look. Basically I think it is really sexy - can you tell?! Oh, and I would def get it in white. I think black would make it too "shapeless". White gives it a very pristine, yet sexy feel.