pretty safe bet the book will appreciate at a better than current rate of inflation but one would need to watch the market, as that could change a few years down the road (Thumbs u
Past history shows the book has appreciated in all grades. The higher the grade, the larger the appreciation. I would say MANNUP and buy the highest grade you can reasonably afford. I would suggest that a 7.5 grade might be the best bet, keeping it at the top of a mid-grade level. Just MHO.
Better start saving now then