It depends on just how good you are at grading. Now, one always hears of some one breaking open a slab and having it graded a grade higher. However you don't hear of the ones that are graded lower or the same, so one paid twice for the same grade and lost money if lower.Talking to dealers and reading in the weekly coin magazines as well as Coin Dealers Newsletters, there are more in the latter catagory. It pays to know how to grade. I did not luck out, but knew a couple of coins were graded wrong and they came back graded higher. You buy the coin not the holder. Hope this helps.