RE: 25 Schilling 1962

1 asset (bullion) value

is the value of the metal contained in a coin, calculated based on its weight and the current market price (exchange price) of the metal.
Calculation:
To calculate, you need to know:

The weight of the pure metal (for example, 1 ounce of gold is 31.1035 grams).
The current market price of the metal, including: The price of gold (in dollars per ounce) on the exchange.
Example:
If a coin contains 1 ounce of gold, and the price of gold is $2,600 per ounce,
the bar is worth $2,600.

2 Spot price
Definition:
The spot price is the current price of a precious metal set on the international market. It is the wholesale price excluding additional costs.
Fluctuation:
Spot prices fluctuate in real time depending on supply and demand in the market.
3 coin market price
Definition:
The price you actually pay for a coin. It is usually higher than a gold bar for several reasons:

Cost of production:
The mint charges a markup for minting coins.
Margin of sale:
Numismatic stores and precious metal dealers charge their own commissions. Uniqueness of collector coins.
and limited editions can be worth much more than the metal itself.
Coin condition:
Coins that are in perfect condition (known as “mint condition”) are often more valuable.
Rarity:
The fewer minted coins, the higher the potential value.
Mint, in the case of old coins, this plays an important role, as the same coin with the same year can be a total normal for Mint A and a total rarity for Mint G.
4 How to check the actual price of a coin
Check the price of metals:
Monitor prices on sites such as Kitco, World Gold Council or Metal Exchange. Compare prices from
retailers:
Browse various numismatic stores, dealers and auction listings.
Consider additional factors.
Evaluate condition, year of publication and potential collector value.

Coins increase in value over time. There are more people, there are more collectors. I call this “Historical Value”, coins from 1939 are no longer minted, so they are becoming less and less attainable.

The question is what do you want to collect? Old coins or bullion coins (present, investment coins)? I recommend you take a look at the ucoin website :)