100 Direct points...

[Momtomouselover]

Considering buying 100 direct points at either SSR or AKL. I just bought GF resale but only 100 points with the idea of staying at the GF every other year. Just wondering which one would retain more value since I likely would only hold on to the points for 15 years.

 

[Ruttangel]

The more I write the more I realize I’m undecided and thus should NOT buy.

You’ve gave yourself good advice there.

If you do choose to do it then SSR will work out cheaper on buy in and dues If that is your main consideration.
However, I’m guessing the sold out sites may not go up in price as much in the next 2 years, inflation only?, so you can look at this again at that time or if the min buy in drops under 100 again

 

[Momtomouselover]

You’ve gave yourself good advice there.

If you do choose to do it then SSR will work out cheaper on buy in and dues If that is your main consideration.
However, I’m guessing the sold out sites may not go up in price as much in the next 2 years, inflation only?, so you can look at this again at that time or if the min buy in drops under 100 again

I just modified my post to simplify but yes, I think my indecisiveness is a sign to wait.

 

[Ruttangel]

I just modified my post to simplify but yes, I think my indecisiveness is a sign to wait.

You might have more value left in AKV just because of the 3 extra years but you will have paid less up to that point for owning SSR, it’s a coin flip

 

[Lorana]

SSR ownership will be less upfront and less annual dues.

However, I think AKV will retain better value. SSR pricing declined recently while AKV went up. In 15 years, SSR will have 19 years left and AKV will have 22, and while it’s only a 3 year difference “below 20” and “above 20” does have a psychological factor.

While we can’t say for certain that SSR will remain “the” SAP resort, the fact is that people do look at it as the cheap SAP resort, so that is likely to keep resale prices lower than AKV.

 

[Lorana]

Another thing is that if own at AKV, it gives you the chance of getting Value and Concierge rooms, if those matter to you.

 

[Deb & Bill]

If you don't plan to stay at SSR or AKV, don't buy there. You want to buy points at a resort that you wouldn't mind staying if you couldn't change your 11 month reservation at seven months. Buy somewhere you want to stay at.

 

[Marionnette]

Considering buying 100 direct points at either SSR or AKL. I just bought GF resale but only 100 points with the idea of staying at the GF every other year. Just wondering which one would retain more value since I likely would only hold on to the points for 15 years.

SSR expires in 2054. AKV expires in 2057. And VGF expires in 2064. If I was buying direct, I’d want to make sure that my direct purchase covered me until the end of my longest-running resale contract. But only if I intended to keep those contracts.

FWIW, I wouldn’t pay direct prices to hold onto the contract for only 15 years. I would find it difficult to make the numbers work in my favor. For me, an AP purchase is every 2 years because I’ll time my trips to get 3-5 trips in a single year and then take a year off. So at the end of 15 years I might buy APs a maximum of 8 times. That’s not enough to make up for the price difference between resale and direct.

 

[sethschroeder]

I likely would only hold on to the points for 15 years.

I do not think its a smart move to buy direct. You are going at most 1 time per year? Its going to take 10+ years likely to break even on the price difference at which point of when you finally might slightly be ahead in total value you are going to be selling.

Just buy resale at VGF instead which would actually be cheaper even likely.

 

[dvc lover 1970]

the direct buy is expensive. GF resale is expensive - I added on resale there a couple years ago and wish I added on more. But if you are not 100% sure - wait. It is a big investment. Call DVC and speak to a guide if you want. You could also call for information on RR - which is probably most similar to GF. Maybe buy 100 points direct there or call to add on, you have 30 days to sign the paper work but it is dated from your initial call. This will lock you in for the blue. card minimum and give you an extra month to think about it.

 

[Lisa_M]

We bought 100 points at SSR direct recently and we considered AKV and Riviera as well. If Riviera had a fixed standard studio for the week that we wanted available, I would have done it, but they didn't. Price wise thought it was a decent buy, however the dues starting out so high and the high points charts put us off because we knew we wouldn't be able to do as much with our points there, not to mention resale restrictions. We also would rather be closer to Disney Springs for additional dining options when we stay there and will be 72 when our contract expires so that is a lot of Disney fun still left for us and we'll have fun with split stays and trying whatever places we can get.

We were considering AKV, but changed our minds on that location because of not wanting to pay more in dues for a place we might not want to stay at consistently. We want to stay there at some point, but don't want to walk down super long hallways after long days. I looked at the breakdown of the dues in the resort disclosure and $2.8 million dollars was for the animal programs. Those animals are $$$! My family also is not the most adventurous of eaters too.

Good luck with your decision

 

[Momtomouselover]

Thanks guys! I don’t know what the pull for direct points is about. It honestly makes no financial sense (for me anyways I mean) and yet I still have FOMO. Not sure what I will ultimately do but leaning towards just waiting. It’s not that having the money to buy a bit more is the issue but I want to know it’s a good value and there I struggle.

 

[sethschroeder]

It honestly makes no financial sense

Well you might break even so its not a terrible choice. Who knows you could always get 15 years down the road and decide to keep it.

Some times you do things because you want not just because you will save money this might be one of those times if its that big of a deal.

 

[Lorana]

Thanks guys! I don’t know what the pull for direct points is about. It honestly makes no financial sense (for me anyways I mean) and yet I still have FOMO. Not sure what I will ultimately do but leaning towards just waiting. It’s not that having the money to buy a bit more is the issue but I want to know it’s a good value and there I struggle.

Well you might break even so its not a terrible choice. Who knows you could always get 15 years down the road and decide to keep it.

Some times you do things because you want not just because you will save money this might be one of those times if its that big of a deal.

If you like to travel during a popular time of year, it may make financial sense to purchase a Fixed Week. You get the direct benefits, you get the incentives available, and you potentially get some future-proofing against point chart changes. While there's no guarantee things will change, it seems that Disney is in the process of slowly moving around point costs.

(For example, my 127-point BRV contract used to be able to book any week except Christmas or Easter; in 2021, it cannot book a week without borrowing from Feb 16-Apr 30, Jun 11-Aug 15, Nov 24-26, and Dec 24-31; my Thanksgiving Fixed Week #47 at CCV cost me 118 points, but that same week will cost 121 points in 2021, but I will only ever pay 118 points for it).

 

[Momtomouselover]

Well you might break even so its not a terrible choice. Who knows you could always get 15 years down the road and decide to keep it.

Some times you do things because you want not just because you will save money this might be one of those times if its that big of a deal.

True. I struggle with that and sometimes think I should just go for it. I mean sometimes you have to live and you can’t take your savings with you.

 

[Sandisw]

True. I struggle with that and sometimes think I should just go for it. I mean sometimes you have to live and you can’t take your savings with you.

So true. DVC is too much to not get what will make you happy. And, as I have said, resale value, IMO, is the last thing to worry about.

 

[Where'sPiglet?]

Thanks guys! I don’t know what the pull for direct points is about. It honestly makes no financial sense (for me anyways I mean) and yet I still have FOMO. Not sure what I will ultimately do but leaning towards just waiting. It’s not that having the money to buy a bit more is the issue but I want to know it’s a good value and there I struggle.

I can totally relate. I'm buying 100 right now because I regret not buying when it was 75. I was going to wait for Disneyland Tower, but who knows how many points I'll have to buy by the time it's built to get the blue card?

 

[dvc lover 1970]

Thanks guys! I don’t know what the pull for direct points is about. It honestly makes no financial sense (for me anyways I mean) and yet I still have FOMO. Not sure what I will ultimately do but leaning towards just waiting. It’s not that having the money to buy a bit more is the issue but I want to know it’s a good value and there I struggle.

I would purchase SSR resale, better price than AKV. But my question is which do you prefer if you had to stay at your home resort? I honestly love both SSR and AKV. We almost added on at AKV when the kids were small and I honestly regret not doing that. We also own at SSR and the kids, now that they are both in college love SSR for the access to disney springs.

 

[dvc lover 1970]

Thanks guys! I don’t know what the pull for direct points is about. It honestly makes no financial sense (for me anyways I mean) and yet I still have FOMO. Not sure what I will ultimately do but leaning towards just waiting. It’s not that having the money to buy a bit more is the issue but I want to know it’s a good value and there I struggle.

direct not worth it unless you plan to use AP discount. the only other thing I use is the dvc lounge in epcot

 

[RoseGold]

I don’t know what the pull for direct points is about. It honestly makes no financial sense (for me anyways I mean) and yet I still have FOMO. Not sure what I will ultimately do but leaning towards just waiting.

Nothing wrong with waiting. DVC, resale or direct, is not going anywhere. Take your time.

Buying resale is historically pretty low commitment. Historically, it holds value or even goes up over 10-15 years. Assuming that stays true, you could sell whenever you want and would just be out your dues on what you used, your closing from when you bought and commission to sell. Even an unprecedented 20% drop in value would only be about 2K on 100 SSR points.