It is a personal decision, but there are a few things to keep in mind.
1) If you are going to buy a MS-70 coin, make sure to buy it slabbed by a reputable grader. I would only pay a premium for an MS-70 coin if it was slabbed by PCGS, NGC or ANACS. Even though other grading companies (such as ICG) may be just as accurate as the "big 3" you won't have the premium when you resell it.
2) You are paying for the grade, not the coin. There is next to no difference in eye appeal between a MS-69 and MS-70 coin, or even a top grade MS-68.
3) You pay a huge premium between a MS-69 and MS-70 with modern coins. And that premium doesn't exist with the same coin being "raw".
Personally, I wouldn't pay any premium for a MS-70 coin because you simply are buying a grade, not the coin. I don't think that the market for MS-70 coins will improve because, in my opinion, there is no such thing as a "perfect" coin and you are putting your faith in PCGS/NGC rather than the coin itself.
Assuming you are buying a modern, non-circulating coin, (about the only coins easily available in MS-70 grade by reputable grading companies) you'd just be best off to buy a raw example because chances are it will have about the same eye appeal for a fraction of the cost. You aren't going to find a worn silver eagle because they don't circulate, same with commemorative silver dollars and the like so -any- example you get of a silver eagle or a commemorative coin is going to be in the MS-67-70 range.
You forgot to tell us what type of coin it is. Also, which service certified the MS70 grade?
HI IN Simple terms, 99.9% (just like some coins), of the time, a PROOF coin will normally be worth MORE than a MS70 of the same year. The exception can be if you have an MS70 (or 69) coin that has no proof coins for that year, and so, is extremely rare just by itself. PROOF coins are usually worth more, because they are untouched by human hands. An MS 65 or better coin, could be a coin that is culled from uncirculated coins, but has one really slight flaw.
These sell in internet auctions for about $100.
The value of this coin ranges from $860 in MS60 to $1310 in MS70. This coin was also struck in proof and its value ranges from $890 in PF60 to $1910 in PF70.
$12,000
Maybe a few dollars to a collector, if that. Even in such good condition, it's hardly a rare coin.
Silver currently sells for about $16/oz. ..Actually a 1995 P silver eagle can be worth MORE than what the value of silver is at the moment. Depending on the quality of the coin can determine the price range it's worth. Coins are graded at highest MS70, for a flawless coin. A flawless coin can easily be worth hundreds of dollars depending on the buyer. Silver eagles that are MS70 But if your coin is uncirculated, there's no doubt it may be an MS65-69. Which is still worth more than your silver/oz pricing. Check out eBay pricing and yours can be similar to what they are selling at. ! - FLEX
The $5 MS70 Gold Eagle coin is to be released in 2013. They are very unique due to the percentage of gold in the gold coin, it is ultimate perfect grade and certified first releases pedigree.
You can purchase MS70 gold coins from Blanchard and Company, eBay, Mew York Mint and local coin shops which can be found in your local Yellow Pages with attached coupons.
ICG stands for the company that graded the coin: Independent Coin Graders, MS 70 stands for Mint State 70, the highest possible grade for the coin. It means that such a coin was found to be flawless with the coin grading company.
"MS" means "mint state". Mint state means the coin is the same as it was when the mint struck it. It has no wear at all. Mint state is also called "uncirculated". The numbers following the "MS" indicate the surface condition of the coin. The higher the number the fewer nicks, scratches and other imperfections are found on the coin. These numbers for the uncirculated coins range from MS60 to MS70 with an MS70 coin considered to be in absolute perfect condition.
The value of your coin is highly dependent on its condition, or grade. Coins are graded on a scale of 0 to 70 and are classified into business strike coins (meant for circulation) and proof coins (meant for collectors). A circulating coin with no visible features on it would grade AG0 and a business strike coin that is uncirculated an without detectable flaw would be receive a theoretical grade of MS70. If your coin is very worn down, it may be worth $2. If it is a business strike coin that is in excellent condition, it could be worth up to $4,500. A 1909 proof penny can be worth anywhere from $250 to $3,500. You will need to get the coin graded or evaluated by a reputable dealer or collector to truly determine the value of the coin.