While MS65 is widely considered investment grade, coins with a CAC sticker on an MS64 grade, especially from PCGS, are also considered investment grade, and often sell for a 20% premium over the same grade coin without CAC. This is a somewhat off the beaten track year, not like the plentiful 1924's and 1927's. I'll give you one other little tip. It's not a coincidence that this coin has a low certificate # and also got a CAC bean.
That tends to go together. It's not a guarantee, but the coins that were slabbed, say 30 years ago are typically nicer. All I'll say is been there, done that.
Nice try, pick someone else to play with next time. Pay attention to the pages I extracted from the ANA book Grading Standards for United States coins. There are some tips in there that will help you understand the criteria a coin must meet to make the grade, and why it wouldn't make the grade, on a personal note the majority of the grade comes from the front (obverse), defects on the reverse tend to get overlooked. Note for clients in the European Union. This lot is considered by the European Union to be "investment gold".