What factors allow a U.S. Mint packaged set to retain, or even
exceed, its value over time?
The degree of rarity of a particular coin or coins within a set is
usually the foremost factor for sets that grow in value, but there are
The 1995 10th Anniversary American Eagle Proof set, featuring a
1995-W American Eagle silver bullion coin packaged with the
traditional four-coin American Eagle gold bullion coin set, originally
sold for $999. Its low mintage of just 30,125 sets meant that the
1995-W silver American Eagle became the key date of the series. Today,
sets in their original packaging easily sell at the $5,500 to $6,000 level.
At the other end are sets that possess little to no rarity,
including many annual Proof sets issued from 1968 to the early 1990s,
and that today sell for less than their original issue price.
Some sets possess a premium above their issue price despite not
holding individually rare coins.
An example is the 2009 Lincoln Coin and Chronicles set. It
contains five coins: A Proof 2009-P Lincoln Bicentennial commemorative
silver dollar, and four Proof 2009-S Lincoln, Bicentennial cents
struck in the cents’ original alloy of 95 percent copper, 3 percent
zinc and 2 percent tin.
None of the coins within the set are scarce. The Proof silver
dollar could be purchased separately, and the four 95 percent copper
Proof cents were also available in the Mint’s annual Proof sets of
The Lincoln set had an issue price of $55.95, and a strict
one-set-per-household limit was enforced for the 50,000 sets. A fast
sellout followed and almost immediately sellers were flipping the sets
on eBay for $300 or more.
Today, the sets still sell for a premium above their issue price,
though not as lofty as in the first few weeks after their issuance.
Almost three years later, one can expect to pay $125 to $150 for a set
in its original packaging.
The moral of the story? Some sets retain value for the rarity
contained within, while others retain value merely because collectors
like them. And collectors apparently liked, and continue to like, “Abe.”
The rarity of the individual coins in the set, the presence of
ordering limits at the time of issue, and the popularity of the coins
all impact whether a set will be a long-term winner. ■