The following are some factors that can affect the value of a 1928 twenty dollar bill:
* Condition: The overall condition of the bill, including any tears, folds, or stains, will have a significant impact on its value.
* Grade: The grade assigned by a professional grading service, such as the PCGS or the Numismatic Guaranty Corporation (NGC), will also affect the value of the bill.
* Rarity: Some 1928 twenty dollar bills are more rare than others. For example, bills with certain serial number combinations or those that were printed at specific locations can be more valuable.
* Desirability: The demand for 1928 twenty dollar bills among collectors also affects their value. Bills that are particularly scarce or that have desirable characteristics, such as star notes or error notes, can be worth more than those that are more common.
If you have a 1928 twenty dollar bill, it is recommended that you have it professionally graded to determine its exact value. You can then decide whether to sell it or keep it as an investment.