It's best to keep your graded Morgan dollar in its original PCGS holder as it provides good protection against dust, scratches, and environmental damage. Store it in a cool, dry place away from direct sunlight and extreme temperature changes. Avoid handling the coin outside of the holder as the oils from your fingers can damage its surface.

American Silver Coin can be a good investment as they have both numismatic and intrinsic silver value. Their prices can appreciate over time, especially rare dates and high - grade coins. However, like any investment, the coin market can be volatile. It's important to do thorough research, perhaps consult with numismatic experts, and consider your investment goals and risk tolerance before buying.

Rarity is a major factor. Coins with low mintage numbers or from specific limited - edition releases are usually more valuable. The condition of the coin, including its grade assigned by a grading service, also significantly impacts its worth. Additionally, historical significance and demand in the collector's market play important roles.

Regular coins are mainly used for circulation in daily transactions and have standard designs that may change over time but follow certain long - standing patterns. Commemorative coins, on the other hand, are issued to mark specific events or people. They usually have unique and more elaborate designs, and their production is often limited in quantity, making them more suitable for collecting and investment rather than regular spending.

You can follow numismatic magazines and online forums dedicated to coin collecting, where collectors and experts often discuss price movements. Websites of coin - grading services also sometimes provide price guides and historical data. Additionally, monitoring auction results from major coin auctions and checking prices on reputable online coin - trading platforms can give you an idea of the current market trends.