Analyzing best value

Jlo85 · Oct 1, 2023

happythoughts & pixiedust said:
Based on Spring 2023 data here is my ranking from a similar Present Value analysis. Looking forward to see how yours comes out.

I would personally take it a step further and do a profitability index comparison. Because that will demonstrate that cheaper resorts like Vero Beach are pretty comparable to Grand Floridian as far as value goes. This makes logical sense to me... cheaper points = buy more points AND realize your savings quicker. If I have to spend more money for fewer points at more expensive resorts, it takes longer to realize your savings.

Jwaire said:
Opportunity cost only matters if you're going to take the opportunity. For many people, they aren't going to invest the $35,000+ they would spend on a DVC in an ETF or mutual fund.

Opportunity cost can also mean buying more points

emchen · Oct 1, 2023

Jwaire said:
Opportunity cost only matters if you're going to take the opportunity. For many people, they aren't going to invest the $35,000+ they would spend on a DVC in an ETF or mutual fund.

It's going to other vacations, an upside down car trade, non-essential home remodeling, etc.

If you're concerned about contract resale value, I wonder if the list changes? Say you only want to own 20 years, while your kids are kids, what contract order works for that scenario?

Obviously, we can't predict the future but there's definitely some trend information there. CCV? PVB? Some of these resorts with longer contracts, yet they have a track history of continuing to maintain their relative buy-in value.

Guilty x 15!…

intamin said:
This is me lol I'm blowing it on Disney trips and cruises anyways

True dat!…

tom1944 said:
I was going to buy a pontoon boat so the only opportunity cost I missed out on was spending more money on my retirement present to myself.

Amen!

I don’t calculate TVM nor opportunity costs in my spreadsheets for those exact reasons. I sorta won the lotto going all in on TSLA in 2017 with my self directed retirement brokerage accounts, so one less thing to worry about!

RoseGold · Oct 2, 2023

Jwaire said:
And I'd say wait for Poly Tower because of the higher risk of dues rising at VDH because you know California and the lack of rentability demand because of the transient tax.

The CA transient tax is a positive if you aren't staying in CA. It's like taking 1/3 of the dues and calling them something else that you don't have to pay in Florida. Also mean the dues (may) increase slower, because the tax piece is getting paid at the desk. I think parking is the same concept and is paid at the desk for DLT?

CVG · Oct 3, 2023

I'd ask you to factor in room type, room size (cost per sq ft) and point cost per room.

zavandor · Oct 3, 2023

Jwaire said:
Opportunity cost only matters if you're going to take the opportunity. For many people, they aren't going to invest the $35,000+ they would spend on a DVC in an ETF or mutual fund.

There is no need to do math on a DVC purchase: do you want it and you can afford it? Then go for it!
I'm a great proponent of people spending the money for what they like in the way they want.

But, time value of money is a real thing. Money today are worth more than money in 50 years. No need to justify a DVC purchase with bad math.

Galactic Reversal · Oct 6, 2023

SheSingsAlong said:
I'm not sure if it is possible to incorporate, but the point charts are different for old vs. newer resorts and that can make a meaningful difference in how much a set of points can get you. Like, OKW point chart is obviously amazing and Riv chart is very hard for someone like me to swallow.

Working on some analysis around this and thought this group might appreciate the 2024 rankings of rooms by point cost. This is going to be using total points for the whole year (the different travel periods do shuffle the rankings a bit), but it's a good summary. I think the extremes on either end are general knowledge around here, but I still found it fun to look through the rankings:

2024 Points to Book Entire Year

rank	resort	room	roomvarlong	maxocc	AnnualPoints	NumDays	AvgPts
1	AKV	DELUXE STUDIO	Value Accommodation	4	3816	366	10.43
2	OKW	DELUXE STUDIO		4	4901	366	13.39
3	BWV	DELUXE STUDIO	Standard View	5	4970	366	13.58
4	HH	DELUXE STUDIO		4	5240	366	14.32
5	SSR	DELUXE STUDIO	Standard	4	5306	366	14.50
6	AKV	DELUXE STUDIO	Standard View	4	5345	366	14.60
7	VDH	DUO STUDIO	Standard View	2	5509	366	15.05
8	VB	DELUXE INN ROOM STANDARD VIEW		4	5516	366	15.07
9	RR	TOWER STUDIO		2	5619	366	15.35
10	SSR	DELUXE STUDIO	Preferred	4	6003	366	16.40
11	VDH	DUO STUDIO	Preferred View	2	6032	366	16.48
12	VB	DELUXE STUDIO		4	6235	366	17.04
13	CCV@WL	DELUXE STUDIO		4	6339	366	17.32
14	BRV@WL	DELUXE STUDIO		5	6356	366	17.37
15	BCV	DELUXE STUDIO		5	6371	366	17.41
16	BWV	DELUXE STUDIO	Boardwalk/Preferred View	5	6468	366	17.67
17	AUL	HOTEL ROOM	Standard View	4	6509	366	17.78
18	BLT	DELUXE STUDIO	Standard View	4	6562	366	17.93
19	AKV	DELUXE STUDIO	Savanna View	4	6626	366	18.10
20	VDH	GARDEN ROOM DUO STUDIO		2	6842	366	18.69
21	VB	DELUXE INN ROOM OCEAN VIEW		4	6944	366	18.97
22	RR	DELUXE STUDIO	Standard View	5	6982	366	19.08
23	AUL	DELUXE STUDIO	Standard View	4	7309	366	19.97
24	BLT	DELUXE STUDIO	Lake View	4	7397	366	20.21
25	VDH	DELUXE STUDIO	Standard View	4	7568	366	20.68
26	VGF	DELUXE STUDIO	Standard View	5	7649	366	20.90
27	VGF	RESORT STUDIO	Standard View	5	7649	366	20.90
28	PVB	DELUXE STUDIO	Standard View	5	7953	366	21.73
29	AUL	DELUXE STUDIO	Island Gardens View	4	8182	366	22.36
30	AKV	ONE-BEDROOM VILLA	Value Accommodation	5	8202	366	22.41
31	AKV	DELUXE STUDIO	Kilimanjaro Club Concierge	4	8371	366	22.87
32	VGC	DELUXE STUDIO		4	8566	366	23.40
33	VDH	DELUXE STUDIO	Preferred View	4	8675	366	23.70
34	RR	DELUXE STUDIO	Preferred View	5	8719	366	23.82
35	BLT	DELUXE STUDIO	Theme Park View	4	8823	366	24.11
36	VGF	DELUXE STUDIO	Lake View	5	9171	366	25.06
37	VGF	RESORT STUDIO	Lake View	5	9171	366	25.06
38	AUL	DELUXE STUDIO	Poolside Gardens View	4	9212	366	25.17
39	PVB	DELUXE STUDIO	Lake View	5	9435	366	25.78
40	AUL	DELUXE STUDIO	Ocean View	4	9995	366	27.31
41	BWV	ONE-BEDROOM VILLA	Standard View	4	10286	366	28.10
42	HH	ONE-BEDROOM VILLA		5	10298	366	28.14
43	OKW	ONE-BEDROOM VILLA		5	10318	366	28.19
44	VDH	GARDEN ROOM DELUXE STUDIO		4	10340	366	28.25
45	AKV	ONE-BEDROOM VILLA	Standard View	5	10485	366	28.65
46	SSR	ONE-BEDROOM VILLA	Standard	5	10880	366	29.73
47	AKV	TWO-BEDROOM VILLA	Value Accommodation	9	11086	366	30.29
48	VGF	RESORT STUDIO	Theme Park	5	11346	366	31.00
49	VB	ONE-BEDROOM VILLA		5	11383	366	31.10
50	BLT	ONE-BEDROOM VILLA	Standard View	5	12509	366	34.18
51	SSR	ONE-BEDROOM VILLA	Preferred	5	12515	366	34.19
52	AKV	ONE-BEDROOM VILLA	Savanna View	5	12898	366	35.24
53	BRV@WL	ONE-BEDROOM VILLA		4	12928	366	35.32
54	BCV	ONE-BEDROOM VILLA		4	12942	366	35.36
55	CCV@WL	ONE-BEDROOM VILLA		4	12947	366	35.37
56	HH	TWO-BEDROOM VILLA		9	12986	366	35.48
57	BWV	ONE-BEDROOM VILLA	Boardwalk/Preferred View	4	13116	366	35.84
58	AKV	TWO-BEDROOM VILLA	Standard View	9	13680	366	37.38
59	SSR	TWO-BEDROOM VILLA	Standard	9	13938	366	38.08
60	OKW	TWO-BEDROOM VILLA		9	14083	366	38.48
61	BWV	TWO-BEDROOM VILLA	Standard View	9	14117	366	38.57
62	BLT	ONE-BEDROOM VILLA	Lake View	5	14328	366	39.15
63	AUL	ONE-BEDROOM VILLA	Standard View	5	14337	366	39.17
64	RR	ONE-BEDROOM VILLA	Standard View	5	14813	366	40.47
65	VDH	ONE-BEDROOM VILLA	Preferred View	5	15007	366	41.00
66	VB	TWO-BEDROOM VILLA		9	15270	366	41.72
67	AUL	ONE-BEDROOM VILLA	Island Gardens View	5	15630	366	42.70
68	VGF	ONE-BEDROOM VILLA	Standard View	5	16018	366	43.77
69	SSR	TWO-BEDROOM VILLA	Preferred	9	16651	366	45.49
70	CCV@WL	TWO-BEDROOM VILLA		8	16756	366	45.78
71	BRV@WL	TWO-BEDROOM VILLA		8	16760	366	45.79
72	BCV	TWO-BEDROOM VILLA		8	16767	366	45.81
73	BWV	TWO-BEDROOM VILLA	Boardwalk/Preferred View	9	16824	366	45.97
74	VGC	ONE-BEDROOM VILLA		5	16834	366	45.99
75	BLT	TWO-BEDROOM VILLA	Standard View	9	16982	366	46.40
76	AKV	ONE-BEDROOM VILLA	Kilimanjaro Club Concierge	5	17191	366	46.97
77	BLT	ONE-BEDROOM VILLA	Theme Park View	5	17313	366	47.30
78	SSR	THREE-BEDROOM TREEHOUSE VILLA		9	17381	366	47.49
79	AKV	TWO-BEDROOM VILLA	Savanna View	9	17481	366	47.76
80	AUL	ONE-BEDROOM VILLA	Poolside Gardens View	5	17872	366	48.83
81	RR	ONE-BEDROOM VILLA	Preferred View	5	18461	366	50.44
82	BLT	TWO-BEDROOM VILLA	Lake View	9	18745	366	51.22
83	VGF	ONE-BEDROOM VILLA	Lake View	5	19235	366	52.55
84	AUL	ONE-BEDROOM VILLA	Ocean View	5	19292	366	52.71
85	RR	TWO-BEDROOM VILLA	Standard View	9	19384	366	52.96
86	AUL	TWO-BEDROOM VILLA	Standard View	9	19799	366	54.10
87	AUL	TWO-BEDROOM VILLA	Island Gardens View	9	21587	366	58.98
88	VGF	TWO-BEDROOM VILLA	Standard View	9	22057	366	60.27
89	OKW	THREE-BEDROOM GRAND VILLA		12	22345	366	61.05
90	VDH	TWO-BEDROOM VILLA	Preferred View	9	22491	366	61.45
91	HH	THREE-BEDROOM GRAND VILLA		12	22554	366	61.62
92	BLT	TWO-BEDROOM VILLA	Theme Park View	9	22809	366	62.32
93	VGC	TWO-BEDROOM VILLA		9	23118	366	63.16
94	AKV	TWO-BEDROOM VILLA	Kilimanjaro Club Concierge	9	23164	366	63.29
95	RR	TWO-BEDROOM VILLA	Preferred View	9	23424	366	64.00
96	AUL	TWO-BEDROOM VILLA	Poolside Gardens View	9	24258	366	66.28
97	VGF	TWO-BEDROOM VILLA	Lake View	9	26111	366	71.34
98	AUL	TWO-BEDROOM VILLA	Ocean View	9	26246	366	71.71
99	VB	THREE-BEDROOM BEACH COTTAGE		12	28667	366	78.33
100	SSR	THREE-BEDROOM GRAND VILLA	Standard	12	30532	366	83.42
101	AKV	THREE-BEDROOM GRAND VILLA	Standard View	12	32026	366	87.50
102	SSR	THREE-BEDROOM GRAND VILLA	Preferred	12	34858	366	95.24
103	AKV	THREE-BEDROOM GRAND VILLA	Savanna View	12	35032	366	95.72
104	BWV	THREE-BEDROOM GRAND VILLA	Boardwalk/Preferred View	12	36051	366	98.50
105	BLT	THREE-BEDROOM GRAND VILLA	Lake View	12	39710	366	108.50
106	AUL	THREE-BEDROOM GRAND VILLA	Standard View	12	40954	366	111.90
107	CCV@WL	TWO-BEDROOM CABIN		8	41878	366	114.42
108	CCV@WL	THREE-BEDROOM GRAND VILLA		12	44188	366	120.73
109	RR	THREE-BEDROOM GRAND VILLA		12	47741	366	130.44
110	BLT	THREE-BEDROOM GRAND VILLA	Theme Park View	12	47885	366	130.83
111	VGC	THREE-BEDROOM GRAND VILLA		12	48354	366	132.11
112	VDH	THREE-BEDROOM GRAND VILLA	Preferred View	12	49384	366	134.93
113	VGF	THREE-BEDROOM GRAND VILLA	Lake View	12	52851	366	144.40
114	AUL	THREE-BEDROOM GRAND VILLA	Ocean View	12	53229	366	145.43
115	PVB	TWO-BEDROOM BUNGALOW	Lake View	8	53771	366	146.92

2024 Points/Occupant Full Year

rank	resort	room	roomvarlong	maxocc	AnnPtsPerOccup	NumDays	AvgPtsPerOccup
1	AKV	DELUXE STUDIO	Value Accommodation	4	954.00	366	2.61
2	BWV	DELUXE STUDIO	Standard View	5	994.00	366	2.72
3	OKW	DELUXE STUDIO		4	1225.25	366	3.35
4	AKV	TWO-BEDROOM VILLA	Value Accommodation	9	1231.78	366	3.37
5	BRV@WL	DELUXE STUDIO		5	1271.20	366	3.47
6	BCV	DELUXE STUDIO		5	1274.20	366	3.48
7	BWV	DELUXE STUDIO	Boardwalk/Preferred View	5	1293.60	366	3.53
8	HH	DELUXE STUDIO		4	1310.00	366	3.58
9	SSR	DELUXE STUDIO	Standard	4	1326.50	366	3.62
10	AKV	DELUXE STUDIO	Standard View	4	1336.25	366	3.65
11	VB	DELUXE INN ROOM STANDARD VIEW		4	1379.00	366	3.77
12	RR	DELUXE STUDIO	Standard View	5	1396.40	366	3.82
13	HH	TWO-BEDROOM VILLA		9	1442.89	366	3.94
14	SSR	DELUXE STUDIO	Preferred	4	1500.75	366	4.10
15	AKV	TWO-BEDROOM VILLA	Standard View	9	1520.00	366	4.15
16	VGF	DELUXE STUDIO	Standard View	5	1529.80	366	4.18
17	VGF	RESORT STUDIO	Standard View	5	1529.80	366	4.18
18	SSR	TWO-BEDROOM VILLA	Standard	9	1548.67	366	4.23
19	VB	DELUXE STUDIO		4	1558.75	366	4.26
20	OKW	TWO-BEDROOM VILLA		9	1564.78	366	4.28
21	BWV	TWO-BEDROOM VILLA	Standard View	9	1568.56	366	4.29
22	CCV@WL	DELUXE STUDIO		4	1584.75	366	4.33
23	PVB	DELUXE STUDIO	Standard View	5	1590.60	366	4.35
24	AUL	HOTEL ROOM	Standard View	4	1627.25	366	4.45
25	AKV	ONE-BEDROOM VILLA	Value Accommodation	5	1640.40	366	4.48
26	BLT	DELUXE STUDIO	Standard View	4	1640.50	366	4.48
27	AKV	DELUXE STUDIO	Savanna View	4	1656.50	366	4.53
28	VB	TWO-BEDROOM VILLA		9	1696.67	366	4.64
29	VB	DELUXE INN ROOM OCEAN VIEW		4	1736.00	366	4.74
30	RR	DELUXE STUDIO	Preferred View	5	1743.80	366	4.76
31	AUL	DELUXE STUDIO	Standard View	4	1827.25	366	4.99
32	VGF	DELUXE STUDIO	Lake View	5	1834.20	366	5.01
33	VGF	RESORT STUDIO	Lake View	5	1834.20	366	5.01
34	BLT	DELUXE STUDIO	Lake View	4	1849.25	366	5.05
35	SSR	TWO-BEDROOM VILLA	Preferred	9	1850.11	366	5.05
36	OKW	THREE-BEDROOM GRAND VILLA		12	1862.08	366	5.09
37	BWV	TWO-BEDROOM VILLA	Boardwalk/Preferred View	9	1869.33	366	5.11
38	HH	THREE-BEDROOM GRAND VILLA		12	1879.50	366	5.14
39	BLT	TWO-BEDROOM VILLA	Standard View	9	1886.89	366	5.16
40	PVB	DELUXE STUDIO	Lake View	5	1887.00	366	5.16
41	VDH	DELUXE STUDIO	Standard View	4	1892.00	366	5.17
42	SSR	THREE-BEDROOM TREEHOUSE VILLA		9	1931.22	366	5.28
43	AKV	TWO-BEDROOM VILLA	Savanna View	9	1942.33	366	5.31
44	AUL	DELUXE STUDIO	Island Gardens View	4	2045.50	366	5.59
45	HH	ONE-BEDROOM VILLA		5	2059.60	366	5.63
46	OKW	ONE-BEDROOM VILLA		5	2063.60	366	5.64
47	BLT	TWO-BEDROOM VILLA	Lake View	9	2082.78	366	5.69
48	AKV	DELUXE STUDIO	Kilimanjaro Club Concierge	4	2092.75	366	5.72
49	CCV@WL	TWO-BEDROOM VILLA		8	2094.50	366	5.72
50	BRV@WL	TWO-BEDROOM VILLA		8	2095.00	366	5.72
51	BCV	TWO-BEDROOM VILLA		8	2095.88	366	5.73
52	AKV	ONE-BEDROOM VILLA	Standard View	5	2097.00	366	5.73
53	VGC	DELUXE STUDIO		4	2141.50	366	5.85
54	RR	TWO-BEDROOM VILLA	Standard View	9	2153.78	366	5.88
55	VDH	DELUXE STUDIO	Preferred View	4	2168.75	366	5.93
56	SSR	ONE-BEDROOM VILLA	Standard	5	2176.00	366	5.95
57	AUL	TWO-BEDROOM VILLA	Standard View	9	2199.89	366	6.01
58	BLT	DELUXE STUDIO	Theme Park View	4	2205.75	366	6.03
59	VGF	RESORT STUDIO	Theme Park	5	2269.20	366	6.20
60	VB	ONE-BEDROOM VILLA		5	2276.60	366	6.22
61	AUL	DELUXE STUDIO	Poolside Gardens View	4	2303.00	366	6.29
62	VB	THREE-BEDROOM BEACH COTTAGE		12	2388.92	366	6.53
63	AUL	TWO-BEDROOM VILLA	Island Gardens View	9	2398.56	366	6.55
64	VGF	TWO-BEDROOM VILLA	Standard View	9	2450.78	366	6.70
65	AUL	DELUXE STUDIO	Ocean View	4	2498.75	366	6.83
66	VDH	TWO-BEDROOM VILLA	Preferred View	9	2499.00	366	6.83
67	BLT	ONE-BEDROOM VILLA	Standard View	5	2501.80	366	6.84
68	SSR	ONE-BEDROOM VILLA	Preferred	5	2503.00	366	6.84
69	BLT	TWO-BEDROOM VILLA	Theme Park View	9	2534.33	366	6.92
70	SSR	THREE-BEDROOM GRAND VILLA	Standard	12	2544.33	366	6.95
71	VGC	TWO-BEDROOM VILLA		9	2568.67	366	7.02
72	BWV	ONE-BEDROOM VILLA	Standard View	4	2571.50	366	7.03
73	AKV	TWO-BEDROOM VILLA	Kilimanjaro Club Concierge	9	2573.78	366	7.03
74	AKV	ONE-BEDROOM VILLA	Savanna View	5	2579.60	366	7.05
75	VDH	GARDEN ROOM DELUXE STUDIO		4	2585.00	366	7.06
76	RR	TWO-BEDROOM VILLA	Preferred View	9	2602.67	366	7.11
77	AKV	THREE-BEDROOM GRAND VILLA	Standard View	12	2668.83	366	7.29
78	AUL	TWO-BEDROOM VILLA	Poolside Gardens View	9	2695.33	366	7.36
79	VDH	DUO STUDIO	Standard View	2	2754.50	366	7.53
80	RR	TOWER STUDIO		2	2809.50	366	7.68
81	BLT	ONE-BEDROOM VILLA	Lake View	5	2865.60	366	7.83
82	AUL	ONE-BEDROOM VILLA	Standard View	5	2867.40	366	7.83
83	VGF	TWO-BEDROOM VILLA	Lake View	9	2901.22	366	7.93
84	SSR	THREE-BEDROOM GRAND VILLA	Preferred	12	2904.83	366	7.94
85	AUL	TWO-BEDROOM VILLA	Ocean View	9	2916.22	366	7.97
86	AKV	THREE-BEDROOM GRAND VILLA	Savanna View	12	2919.33	366	7.98
87	RR	ONE-BEDROOM VILLA	Standard View	5	2962.60	366	8.09
88	VDH	ONE-BEDROOM VILLA	Preferred View	5	3001.40	366	8.20
89	BWV	THREE-BEDROOM GRAND VILLA	Boardwalk/Preferred View	12	3004.25	366	8.21
90	VDH	DUO STUDIO	Preferred View	2	3016.00	366	8.24
91	AUL	ONE-BEDROOM VILLA	Island Gardens View	5	3126.00	366	8.54
92	VGF	ONE-BEDROOM VILLA	Standard View	5	3203.60	366	8.75
93	BRV@WL	ONE-BEDROOM VILLA		4	3232.00	366	8.83
94	BCV	ONE-BEDROOM VILLA		4	3235.50	366	8.84
95	CCV@WL	ONE-BEDROOM VILLA		4	3236.75	366	8.84
96	BWV	ONE-BEDROOM VILLA	Boardwalk/Preferred View	4	3279.00	366	8.96
97	BLT	THREE-BEDROOM GRAND VILLA	Lake View	12	3309.17	366	9.04
98	VGC	ONE-BEDROOM VILLA		5	3366.80	366	9.20
99	AUL	THREE-BEDROOM GRAND VILLA	Standard View	12	3412.83	366	9.32
100	VDH	GARDEN ROOM DUO STUDIO		2	3421.00	366	9.35
101	AKV	ONE-BEDROOM VILLA	Kilimanjaro Club Concierge	5	3438.20	366	9.39
102	BLT	ONE-BEDROOM VILLA	Theme Park View	5	3462.60	366	9.46
103	AUL	ONE-BEDROOM VILLA	Poolside Gardens View	5	3574.40	366	9.77
104	CCV@WL	THREE-BEDROOM GRAND VILLA		12	3682.33	366	10.06
105	RR	ONE-BEDROOM VILLA	Preferred View	5	3692.20	366	10.09
106	VGF	ONE-BEDROOM VILLA	Lake View	5	3847.00	366	10.51
107	AUL	ONE-BEDROOM VILLA	Ocean View	5	3858.40	366	10.54
108	RR	THREE-BEDROOM GRAND VILLA		12	3978.42	366	10.87
109	BLT	THREE-BEDROOM GRAND VILLA	Theme Park View	12	3990.42	366	10.90
110	VGC	THREE-BEDROOM GRAND VILLA		12	4029.50	366	11.01
111	VDH	THREE-BEDROOM GRAND VILLA	Preferred View	12	4115.33	366	11.24
112	VGF	THREE-BEDROOM GRAND VILLA	Lake View	12	4404.25	366	12.03
113	AUL	THREE-BEDROOM GRAND VILLA	Ocean View	12	4435.75	366	12.12
114	CCV@WL	TWO-BEDROOM CABIN		8	5234.75	366	14.30
115	PVB	TWO-BEDROOM BUNGALOW	Lake View	8	6721.38	366	18.36

Compare Rankings

tom1944 · Oct 6, 2023

This is great

Since we travel with 4 people we like the 1 bedroom with 2 bathrooms.

It is nice to be able to compare the BLT and Kidani 1 bedroom against 2 bedrooms at other resorts

Sandisw · Oct 6, 2023

Galactic Reversal said:
Working on some analysis around this and thought this group might appreciate the 2024 rankings of rooms by point cost. This is going to be using total points for the whole year (the different travel periods do shuffle the rankings a bit), but it's a good summary. I think the extremes on either end are general knowledge around here, but I still found it fun to look through the rankings:

2024 Points to Book Entire Year

rank resort room roomvarlong maxocc AnnualPoints NumDays AvgPts
1
AKV DELUXE STUDIO Value Accommodation
4
3816
366
10.43
2
OKW DELUXE STUDIO
4
4901
366
13.39
3
BWV DELUXE STUDIO Standard View
5
4970
366
13.58
4
HH DELUXE STUDIO
4
5240
366
14.32
5
SSR DELUXE STUDIO Standard
4
5306
366
14.50
6
AKV DELUXE STUDIO Standard View
4
5345
366
14.60
7
VDH DUO STUDIO Standard View
2
5509
366
15.05
8
VB DELUXE INN ROOM STANDARD VIEW
4
5516
366
15.07
9
RR TOWER STUDIO
2
5619
366
15.35
10
SSR DELUXE STUDIO Preferred
4
6003
366
16.40
11
VDH DUO STUDIO Preferred View
2
6032
366
16.48
12
VB DELUXE STUDIO
4
6235
366
17.04
13
CCV@WL DELUXE STUDIO
4
6339
366
17.32
14
BRV@WL DELUXE STUDIO
5
6356
366
17.37
15
BCV DELUXE STUDIO
5
6371
366
17.41
16
BWV DELUXE STUDIO Boardwalk/Preferred View
5
6468
366
17.67
17
AUL HOTEL ROOM Standard View
4
6509
366
17.78
18
BLT DELUXE STUDIO Standard View
4
6562
366
17.93
19
AKV DELUXE STUDIO Savanna View
4
6626
366
18.10
20
VDH GARDEN ROOM DUO STUDIO
2
6842
366
18.69
21
VB DELUXE INN ROOM OCEAN VIEW
4
6944
366
18.97
22
RR DELUXE STUDIO Standard View
5
6982
366
19.08
23
AUL DELUXE STUDIO Standard View
4
7309
366
19.97
24
BLT DELUXE STUDIO Lake View
4
7397
366
20.21
25
VDH DELUXE STUDIO Standard View
4
7568
366
20.68
26
VGF DELUXE STUDIO Standard View
5
7649
366
20.90
27
VGF RESORT STUDIO Standard View
5
7649
366
20.90
28
PVB DELUXE STUDIO Standard View
5
7953
366
21.73
29
AUL DELUXE STUDIO Island Gardens View
4
8182
366
22.36
30
AKV ONE-BEDROOM VILLA Value Accommodation
5
8202
366
22.41
31
AKV DELUXE STUDIO Kilimanjaro Club Concierge
4
8371
366
22.87
32
VGC DELUXE STUDIO
4
8566
366
23.40
33
VDH DELUXE STUDIO Preferred View
4
8675
366
23.70
34
RR DELUXE STUDIO Preferred View
5
8719
366
23.82
35
BLT DELUXE STUDIO Theme Park View
4
8823
366
24.11
36
VGF DELUXE STUDIO Lake View
5
9171
366
25.06
37
VGF RESORT STUDIO Lake View
5
9171
366
25.06
38
AUL DELUXE STUDIO Poolside Gardens View
4
9212
366
25.17
39
PVB DELUXE STUDIO Lake View
5
9435
366
25.78
40
AUL DELUXE STUDIO Ocean View
4
9995
366
27.31
41
BWV ONE-BEDROOM VILLA Standard View
4
10286
366
28.10
42
HH ONE-BEDROOM VILLA
5
10298
366
28.14
43
OKW ONE-BEDROOM VILLA
5
10318
366
28.19
44
VDH GARDEN ROOM DELUXE STUDIO
4
10340
366
28.25
45
AKV ONE-BEDROOM VILLA Standard View
5
10485
366
28.65
46
SSR ONE-BEDROOM VILLA Standard
5
10880
366
29.73
47
AKV TWO-BEDROOM VILLA Value Accommodation
9
11086
366
30.29
48
VGF RESORT STUDIO Theme Park
5
11346
366
31.00
49
VB ONE-BEDROOM VILLA
5
11383
366
31.10
50
BLT ONE-BEDROOM VILLA Standard View
5
12509
366
34.18
51
SSR ONE-BEDROOM VILLA Preferred
5
12515
366
34.19
52
AKV ONE-BEDROOM VILLA Savanna View
5
12898
366
35.24
53
BRV@WL ONE-BEDROOM VILLA
4
12928
366
35.32
54
BCV ONE-BEDROOM VILLA
4
12942
366
35.36
55
CCV@WL ONE-BEDROOM VILLA
4
12947
366
35.37
56
HH TWO-BEDROOM VILLA
9
12986
366
35.48
57
BWV ONE-BEDROOM VILLA Boardwalk/Preferred View
4
13116
366
35.84
58
AKV TWO-BEDROOM VILLA Standard View
9
13680
366
37.38
59
SSR TWO-BEDROOM VILLA Standard
9
13938
366
38.08
60
OKW TWO-BEDROOM VILLA
9
14083
366
38.48
61
BWV TWO-BEDROOM VILLA Standard View
9
14117
366
38.57
62
BLT ONE-BEDROOM VILLA Lake View
5
14328
366
39.15
63
AUL ONE-BEDROOM VILLA Standard View
5
14337
366
39.17
64
RR ONE-BEDROOM VILLA Standard View
5
14813
366
40.47
65
VDH ONE-BEDROOM VILLA Preferred View
5
15007
366
41.00
66
VB TWO-BEDROOM VILLA
9
15270
366
41.72
67
AUL ONE-BEDROOM VILLA Island Gardens View
5
15630
366
42.70
68
VGF ONE-BEDROOM VILLA Standard View
5
16018
366
43.77
69
SSR TWO-BEDROOM VILLA Preferred
9
16651
366
45.49
70
CCV@WL TWO-BEDROOM VILLA
8
16756
366
45.78
71
BRV@WL TWO-BEDROOM VILLA
8
16760
366
45.79
72
BCV TWO-BEDROOM VILLA
8
16767
366
45.81
73
BWV TWO-BEDROOM VILLA Boardwalk/Preferred View
9
16824
366
45.97
74
VGC ONE-BEDROOM VILLA
5
16834
366
45.99
75
BLT TWO-BEDROOM VILLA Standard View
9
16982
366
46.40
76
AKV ONE-BEDROOM VILLA Kilimanjaro Club Concierge
5
17191
366
46.97
77
BLT ONE-BEDROOM VILLA Theme Park View
5
17313
366
47.30
78
SSR THREE-BEDROOM TREEHOUSE VILLA
9
17381
366
47.49
79
AKV TWO-BEDROOM VILLA Savanna View
9
17481
366
47.76
80
AUL ONE-BEDROOM VILLA Poolside Gardens View
5
17872
366
48.83
81
RR ONE-BEDROOM VILLA Preferred View
5
18461
366
50.44
82
BLT TWO-BEDROOM VILLA Lake View
9
18745
366
51.22
83
VGF ONE-BEDROOM VILLA Lake View
5
19235
366
52.55
84
AUL ONE-BEDROOM VILLA Ocean View
5
19292
366
52.71
85
RR TWO-BEDROOM VILLA Standard View
9
19384
366
52.96
86
AUL TWO-BEDROOM VILLA Standard View
9
19799
366
54.10
87
AUL TWO-BEDROOM VILLA Island Gardens View
9
21587
366
58.98
88
VGF TWO-BEDROOM VILLA Standard View
9
22057
366
60.27
89
OKW THREE-BEDROOM GRAND VILLA
12
22345
366
61.05
90
VDH TWO-BEDROOM VILLA Preferred View
9
22491
366
61.45
91
HH THREE-BEDROOM GRAND VILLA
12
22554
366
61.62
92
BLT TWO-BEDROOM VILLA Theme Park View
9
22809
366
62.32
93
VGC TWO-BEDROOM VILLA
9
23118
366
63.16
94
AKV TWO-BEDROOM VILLA Kilimanjaro Club Concierge
9
23164
366
63.29
95
RR TWO-BEDROOM VILLA Preferred View
9
23424
366
64.00
96
AUL TWO-BEDROOM VILLA Poolside Gardens View
9
24258
366
66.28
97
VGF TWO-BEDROOM VILLA Lake View
9
26111
366
71.34
98
AUL TWO-BEDROOM VILLA Ocean View
9
26246
366
71.71
99
VB THREE-BEDROOM BEACH COTTAGE
12
28667
366
78.33
100
SSR THREE-BEDROOM GRAND VILLA Standard
12
30532
366
83.42
101
AKV THREE-BEDROOM GRAND VILLA Standard View
12
32026
366
87.50
102
SSR THREE-BEDROOM GRAND VILLA Preferred
12
34858
366
95.24
103
AKV THREE-BEDROOM GRAND VILLA Savanna View
12
35032
366
95.72
104
BWV THREE-BEDROOM GRAND VILLA Boardwalk/Preferred View
12
36051
366
98.50
105
BLT THREE-BEDROOM GRAND VILLA Lake View
12
39710
366
108.50
106
AUL THREE-BEDROOM GRAND VILLA Standard View
12
40954
366
111.90
107
CCV@WL TWO-BEDROOM CABIN
8
41878
366
114.42
108
CCV@WL THREE-BEDROOM GRAND VILLA
12
44188
366
120.73
109
RR THREE-BEDROOM GRAND VILLA
12
47741
366
130.44
110
BLT THREE-BEDROOM GRAND VILLA Theme Park View
12
47885
366
130.83
111
VGC THREE-BEDROOM GRAND VILLA
12
48354
366
132.11
112
VDH THREE-BEDROOM GRAND VILLA Preferred View
12
49384
366
134.93
113
VGF THREE-BEDROOM GRAND VILLA Lake View
12
52851
366
144.40
114
AUL THREE-BEDROOM GRAND VILLA Ocean View
12
53229
366
145.43
115
PVB TWO-BEDROOM BUNGALOW Lake View
8
53771
366
146.92

2024 Points/Occupant Full Year

rank resort room roomvarlong maxocc AnnPtsPerOccup NumDays AvgPtsPerOccup
1 AKV DELUXE STUDIO Value Accommodation
4
954.00
366
2.61
2 BWV DELUXE STUDIO Standard View
5
994.00
366
2.72
3 OKW DELUXE STUDIO
4
1225.25
366
3.35
4 AKV TWO-BEDROOM VILLA Value Accommodation
9
1231.78
366
3.37
5 BRV@WL DELUXE STUDIO
5
1271.20
366
3.47
6 BCV DELUXE STUDIO
5
1274.20
366
3.48
7 BWV DELUXE STUDIO Boardwalk/Preferred View
5
1293.60
366
3.53
8 HH DELUXE STUDIO
4
1310.00
366
3.58
9 SSR DELUXE STUDIO Standard
4
1326.50
366
3.62
10 AKV DELUXE STUDIO Standard View
4
1336.25
366
3.65
11 VB DELUXE INN ROOM STANDARD VIEW
4
1379.00
366
3.77
12 RR DELUXE STUDIO Standard View
5
1396.40
366
3.82
13 HH TWO-BEDROOM VILLA
9
1442.89
366
3.94
14 SSR DELUXE STUDIO Preferred
4
1500.75
366
4.10
15 AKV TWO-BEDROOM VILLA Standard View
9
1520.00
366
4.15
16 VGF DELUXE STUDIO Standard View
5
1529.80
366
4.18
17 VGF RESORT STUDIO Standard View
5
1529.80
366
4.18
18 SSR TWO-BEDROOM VILLA Standard
9
1548.67
366
4.23
19 VB DELUXE STUDIO
4
1558.75
366
4.26
20 OKW TWO-BEDROOM VILLA
9
1564.78
366
4.28
21 BWV TWO-BEDROOM VILLA Standard View
9
1568.56
366
4.29
22 CCV@WL DELUXE STUDIO
4
1584.75
366
4.33
23 PVB DELUXE STUDIO Standard View
5
1590.60
366
4.35
24 AUL HOTEL ROOM Standard View
4
1627.25
366
4.45
25 AKV ONE-BEDROOM VILLA Value Accommodation
5
1640.40
366
4.48
26 BLT DELUXE STUDIO Standard View
4
1640.50
366
4.48
27 AKV DELUXE STUDIO Savanna View
4
1656.50
366
4.53
28 VB TWO-BEDROOM VILLA
9
1696.67
366
4.64
29 VB DELUXE INN ROOM OCEAN VIEW
4
1736.00
366
4.74
30 RR DELUXE STUDIO Preferred View
5
1743.80
366
4.76
31 AUL DELUXE STUDIO Standard View
4
1827.25
366
4.99
32 VGF DELUXE STUDIO Lake View
5
1834.20
366
5.01
33 VGF RESORT STUDIO Lake View
5
1834.20
366
5.01
34 BLT DELUXE STUDIO Lake View
4
1849.25
366
5.05
35 SSR TWO-BEDROOM VILLA Preferred
9
1850.11
366
5.05
36 OKW THREE-BEDROOM GRAND VILLA
12
1862.08
366
5.09
37 BWV TWO-BEDROOM VILLA Boardwalk/Preferred View
9
1869.33
366
5.11
38 HH THREE-BEDROOM GRAND VILLA
12
1879.50
366
5.14
39 BLT TWO-BEDROOM VILLA Standard View
9
1886.89
366
5.16
40 PVB DELUXE STUDIO Lake View
5
1887.00
366
5.16
41 VDH DELUXE STUDIO Standard View
4
1892.00
366
5.17
42 SSR THREE-BEDROOM TREEHOUSE VILLA
9
1931.22
366
5.28
43 AKV TWO-BEDROOM VILLA Savanna View
9
1942.33
366
5.31
44 AUL DELUXE STUDIO Island Gardens View
4
2045.50
366
5.59
45 HH ONE-BEDROOM VILLA
5
2059.60
366
5.63
46 OKW ONE-BEDROOM VILLA
5
2063.60
366
5.64
47 BLT TWO-BEDROOM VILLA Lake View
9
2082.78
366
5.69
48 AKV DELUXE STUDIO Kilimanjaro Club Concierge
4
2092.75
366
5.72
49 CCV@WL TWO-BEDROOM VILLA
8
2094.50
366
5.72
50 BRV@WL TWO-BEDROOM VILLA
8
2095.00
366
5.72
51 BCV TWO-BEDROOM VILLA
8
2095.88
366
5.73
52 AKV ONE-BEDROOM VILLA Standard View
5
2097.00
366
5.73
53 VGC DELUXE STUDIO
4
2141.50
366
5.85
54 RR TWO-BEDROOM VILLA Standard View
9
2153.78
366
5.88
55 VDH DELUXE STUDIO Preferred View
4
2168.75
366
5.93
56 SSR ONE-BEDROOM VILLA Standard
5
2176.00
366
5.95
57 AUL TWO-BEDROOM VILLA Standard View
9
2199.89
366
6.01
58 BLT DELUXE STUDIO Theme Park View
4
2205.75
366
6.03
59 VGF RESORT STUDIO Theme Park
5
2269.20
366
6.20
60 VB ONE-BEDROOM VILLA
5
2276.60
366
6.22
61 AUL DELUXE STUDIO Poolside Gardens View
4
2303.00
366
6.29
62 VB THREE-BEDROOM BEACH COTTAGE
12
2388.92
366
6.53
63 AUL TWO-BEDROOM VILLA Island Gardens View
9
2398.56
366
6.55
64 VGF TWO-BEDROOM VILLA Standard View
9
2450.78
366
6.70
65 AUL DELUXE STUDIO Ocean View
4
2498.75
366
6.83
66 VDH TWO-BEDROOM VILLA Preferred View
9
2499.00
366
6.83
67 BLT ONE-BEDROOM VILLA Standard View
5
2501.80
366
6.84
68 SSR ONE-BEDROOM VILLA Preferred
5
2503.00
366
6.84
69 BLT TWO-BEDROOM VILLA Theme Park View
9
2534.33
366
6.92
70 SSR THREE-BEDROOM GRAND VILLA Standard
12
2544.33
366
6.95
71 VGC TWO-BEDROOM VILLA
9
2568.67
366
7.02
72 BWV ONE-BEDROOM VILLA Standard View
4
2571.50
366
7.03
73 AKV TWO-BEDROOM VILLA Kilimanjaro Club Concierge
9
2573.78
366
7.03
74 AKV ONE-BEDROOM VILLA Savanna View
5
2579.60
366
7.05
75 VDH GARDEN ROOM DELUXE STUDIO
4
2585.00
366
7.06
76 RR TWO-BEDROOM VILLA Preferred View
9
2602.67
366
7.11
77 AKV THREE-BEDROOM GRAND VILLA Standard View
12
2668.83
366
7.29
78 AUL TWO-BEDROOM VILLA Poolside Gardens View
9
2695.33
366
7.36
79 VDH DUO STUDIO Standard View
2
2754.50
366
7.53
80 RR TOWER STUDIO
2
2809.50
366
7.68
81 BLT ONE-BEDROOM VILLA Lake View
5
2865.60
366
7.83
82 AUL ONE-BEDROOM VILLA Standard View
5
2867.40
366
7.83
83 VGF TWO-BEDROOM VILLA Lake View
9
2901.22
366
7.93
84 SSR THREE-BEDROOM GRAND VILLA Preferred
12
2904.83
366
7.94
85 AUL TWO-BEDROOM VILLA Ocean View
9
2916.22
366
7.97
86 AKV THREE-BEDROOM GRAND VILLA Savanna View
12
2919.33
366
7.98
87 RR ONE-BEDROOM VILLA Standard View
5
2962.60
366
8.09
88 VDH ONE-BEDROOM VILLA Preferred View
5
3001.40
366
8.20
89 BWV THREE-BEDROOM GRAND VILLA Boardwalk/Preferred View
12
3004.25
366
8.21
90 VDH DUO STUDIO Preferred View
2
3016.00
366
8.24
91 AUL ONE-BEDROOM VILLA Island Gardens View
5
3126.00
366
8.54
92 VGF ONE-BEDROOM VILLA Standard View
5
3203.60
366
8.75
93 BRV@WL ONE-BEDROOM VILLA
4
3232.00
366
8.83
94 BCV ONE-BEDROOM VILLA
4
3235.50
366
8.84
95 CCV@WL ONE-BEDROOM VILLA
4
3236.75
366
8.84
96 BWV ONE-BEDROOM VILLA Boardwalk/Preferred View
4
3279.00
366
8.96
97 BLT THREE-BEDROOM GRAND VILLA Lake View
12
3309.17
366
9.04
98 VGC ONE-BEDROOM VILLA
5
3366.80
366
9.20
99 AUL THREE-BEDROOM GRAND VILLA Standard View
12
3412.83
366
9.32
100 VDH GARDEN ROOM DUO STUDIO
2
3421.00
366
9.35
101 AKV ONE-BEDROOM VILLA Kilimanjaro Club Concierge
5
3438.20
366
9.39
102 BLT ONE-BEDROOM VILLA Theme Park View
5
3462.60
366
9.46
103 AUL ONE-BEDROOM VILLA Poolside Gardens View
5
3574.40
366
9.77
104 CCV@WL THREE-BEDROOM GRAND VILLA
12
3682.33
366
10.06
105 RR ONE-BEDROOM VILLA Preferred View
5
3692.20
366
10.09
106 VGF ONE-BEDROOM VILLA Lake View
5
3847.00
366
10.51
107 AUL ONE-BEDROOM VILLA Ocean View
5
3858.40
366
10.54
108 RR THREE-BEDROOM GRAND VILLA
12
3978.42
366
10.87
109 BLT THREE-BEDROOM GRAND VILLA Theme Park View
12
3990.42
366
10.90
110 VGC THREE-BEDROOM GRAND VILLA
12
4029.50
366
11.01
111 VDH THREE-BEDROOM GRAND VILLA Preferred View
12
4115.33
366
11.24
112 VGF THREE-BEDROOM GRAND VILLA Lake View
12
4404.25
366
12.03
113 AUL THREE-BEDROOM GRAND VILLA Ocean View
12
4435.75
366
12.12
114 CCV@WL TWO-BEDROOM CABIN
8
5234.75
366
14.30
115 PVB TWO-BEDROOM BUNGALOW Lake View
8
6721.38
366
18.36

Compare Rankings
View attachment 799745
View attachment 799746
View attachment 799747

Isn’t this the same maximum reallocation chart that exists in the multi site POS which gives the point cost per Villa if every day was the same?

Galactic Reversal · Oct 6, 2023

Sandisw said:
Isn’t this the same maximum reallocation chart that exists in the multi site POS which gives the point cost per Villa if every day was the same?

I’m not familiar, do you have a link?

Sandisw · Oct 6, 2023

Galactic Reversal said:
I’m not familiar, do you have a link?

Here is the main multi-site POS…the chart is p 79.

https://static1.squarespace.com/sta...274c9/1619263757818/ms-pos-rev-12_13_2018.pdf

This is the update document from 2022 that includes the resort studios and VDH

https://static1.squarespace.com/sta...5415/MS_POS_Insert_12_2022_clean_12222022.pdf

Galactic Reversal · Oct 6, 2023

Sandisw said:
Here is the main multi-site POS…the chart is p 79.

https://static1.squarespace.com/sta...274c9/1619263757818/ms-pos-rev-12_13_2018.pdf

This is the update document from 2022 that includes the resort studios and VDH

https://static1.squarespace.com/sta...5415/MS_POS_Insert_12_2022_clean_12222022.pdf

Thanks, that's a really useful document. And to answer your question...it's not quite the same as what I pasted above. If I'm reading it correctly that is stipulating a cap on the minimum points that will ever be required to book at least one night of each room type at each resort. So it's limiting how skewed the point values can be towards a given room after a reallocation. Those points are conservatively higher than many of the actual point values by design. So while you can get a similar idea from that table, I think it's much more useful to see the comparison with the actual total points to see the magnitude of differences between each resort/room combination. Then of course to have them in order is helpful.

Sandisw · Oct 7, 2023

Galactic Reversal said:
Thanks, that's a really useful document. And to answer your question...it's not quite the same as what I pasted above. If I'm reading it correctly that is stipulating a cap on the minimum points that will ever be required to book at least one night of each room type at each resort. So it's limiting how skewed the point values can be towards a given room after a reallocation. Those points are conservatively higher than many of the actual point values by design. So while you can get a similar idea from that table, I think it's much more useful to see the comparison with the actual total points to see the magnitude of differences between each resort/room combination. Then of course to have them in order is helpful.

if they equalized every day, though, and eliminated every season, so all 365 days are the same, that would be the point chart we’d have

Now, 2024 has a leap day, so that does add more points…but the chart I referenced is at least going to tell you what the totals for each room would be if they decided to flatten it all together ut so days are the same.

Parkhopperplanner · Oct 12, 2023

happythoughts & pixiedust said:
I think you should include resale RIV in your analysis. Large stripped contracts can be had for under $120/pt. and loaded contracts are pretty easy to get under $130. Based on its many years remaining and low upfront cost, resale Riviera points are arguably the cheapest to own right now. For people who love Riviera and plan to use their points there exclusively, resale can be a great deal. Rental demand for Riv points is also good. Also, if someone wants to stay at Riv, they won't be able to if they buy anything but Riv resale.

Based on Spring 2023 data here is my ranking from a similar Present Value analysis. Looking forward to see how yours comes out.

Ranked from lowest cost to own per point (assumes contract is held to expiration). My rank compared with DVC Resale Market's Spring 2023 ranking.

My rank // (DVC Resale Rank)
1. Riviera // (Grand Floridian)
2. Saratoga Springs // (Riviera)
3. Aulani // (Saratoga Springs)
4. Grand Floridian // (Copper Creek)
5. Copper Creek // (Polynesian)
6. Polynesian // (Bay Lake Tower)
7. Bay Lake Tower // (Aulani)
8. Animal Kingdom // (Animal Kingdom)
9. Hilton Head // (Old Key West)
10. Old Key West // (Boulder Ridge)
11. Boulder Ridge // (Hilton Head)
12. Vero Beach // (Grand Californian)
13. Boardwalk // (Boardwalk)
14. Beach Club // (Vero Beach)
15. Disneyland Hotel (Direct only) // (not ranked)
16. Grand Californian // Beach Club

For what it's worth, there's only a 10% difference in cost per point between #1 and #8. You'll also notice that my 1-8 rankings include all the same resorts as DVC Resale Market's 1-8 rankings. And between #3 and #7 there's only a 3% difference in cost per point. Depending on how the monthly data fluctuates, I find #3 thru #8 switch places fairly frequently because the cost to own them is so close.

#9-#16 are much more expensive than 1-8. As noted the difference between 1 and 8 is only 10%, yet the difference in cost between #8 and #9 alone is ~12% in my analysis. The difference between #1 and #16 is a whopping 60%. The big jump in cost to own comes mostly as a result of the shorter 2042 contract expiration. Disneyland Hotel and Grand Californian are at the bottom of the list because of the very high upfront cost.

My rankings differ slightly from DVC Resale market because I take inflation of dues and cost of capital into consideration, assuming a fairly high discount rate of 6.75%. That's why Disneyland Hotel and Grand Californian fare far worse in my analysis - the upfront cost is very high and the DVC Resale market rankings don't factor in cost of capital.

The only thing you can definitively say is 1-8 are the "affordable" options and 9-16 are the "expensive" options.

The wild card that's not factored into the analysis is whether someone will resell their contract before expiration (very likely) and which resorts will appreciate the fastest. Because that is unknowable, and the "cost per point" for 1-8 is so close, I think any of the resorts in the 1-8 rank (RR, SSR, AUL, VGF, CCV, PVB, BLT, AKV) have an equal chance of "coming out on top." Though if I was betting on the Trifecta, I'd pick 1. Grand Floridian 2. Copper Creek 3. Polynesian (but I think Poly Tower will be same association. For those who think Poly Tower will be separate I'd go 1. Grand Floridian 2. Copper Creek 3. Bay Lake Tower

I’d consider adding a OKW extended data point here (I’m assuming OKW rank far below SSR is bc it’s factoring a 2042 expire). We told ourselves when we got into DVC we’d only buy extended contracts but we considered a 2042 for some time and the math did just not work out for me when I’d compare it to a 2057

disneylandtour · Oct 13, 2023

As this discussion is about value (i.e. minimizing cost and increasing use), one of the factors not considered has to do with low-cost reservations. Some of the best deals are the value rooms at Jambo, which are roughly half the points of BLT and close to one-third of the points of Poly with Lake View. The additional $1 per year in MFs is more than countered with the value room option, which typically can only be booked at 11 months. That is, if this discussion is mostly about value--both in terms of price and usage--what those points give you access to (and also don't give you access to) might matter.

Galactic Reversal · Oct 31, 2023

How's the analysis going @cfw213? I've started a draft of a financial analysis tool to help with TVM calculations if you find it helpful:

https://www.disboards.com/threads/dvcrofr-com.3924179/post-65131982

emchen · Oct 31, 2023

Galactic Reversal said:
How's the analysis going @cfw213? I've started a draft of a financial analysis tool to help with TVM calculations if you find it helpful:

https://www.disboards.com/threads/dvcrofr-com.3924179/post-65131982

One of the most common regrets for many DVC members is, "I wish I would've bought in earlier"...aka "missed opportunity cost". If we account for the "time value of money (TVM)", shouldn't we pair that with a financial analysis tool to help with "missed opportunity costs"?

I suggest: missed opportunity cost = (benefit of vacationing with DVC every one to three years) - (benefit of vacationing with savings and gains from well invested money at the end of 40-50 years).

individual circumstances may vary...consult with a financial advisor. :lmao:

Galactic Reversal · Nov 1, 2023

emchen said:
One of the most common regrets for many DVC members is, "I wish I would've bought in earlier"...aka "missed opportunity cost". If we account for the "time value of money (TVM)", shouldn't we pair that with a financial analysis tool to help with "missed opportunity costs"?

I suggest: missed opportunity cost = (benefit of vacationing with DVC every one to three years) - (benefit of vacationing with savings and gains from well invested money at the end of 40-50 years).

individual circumstances may vary...consult with a financial advisor.

Agreed, I see people talking about opportunity cost most often. Column AS shows what your money could grow to if you invested it at the “discount rate” and draw it down to pay for “alternative” vacations. It goes negative quickly if you’re truly comparing apples to apples accommodations, but you can also put whatever you want in for the cost of those alternative trips (compare to less expensive alternatives). Bottom line DVC is a good deal for those of use looking to make regular trips for the next decade and for the right resale price, maybe even just a few trips.

intamin · Nov 1, 2023

Galactic Reversal said:
Agreed, I see people talking about opportunity cost most often. Column AS shows what your money could grow to if you invested it at the “discount rate” and draw it down to pay for “alternative” vacations. It goes negative quickly if you’re truly comparing apples to apples accommodations, but you can also put whatever you want in for the cost of those alternative trips (compare to less expensive alternatives). Bottom line DVC is a good deal for those of use looking to make regular trips for the next decade and for the right resale price, maybe even just a few trips.

The amount I spend on vacations far outpaces what the money I spent on DVC would've made in interest. Trip 7 this year on Friday.. Opportunity cost definitely should be factored into your decision.. but you still have to take the opportunity, if you're not letting it sit in a CD/mutual index fund anyways and you would be going to WDW regardless then it doesn't really matter what the opportunity cost is.

Galactic Reversal · Nov 1, 2023

intamin said:
The amount I spend on vacations far outpaces what the money I spent on DVC would've made in interest. Trip 7 this year on Friday.. Opportunity cost definitely should be factored into your decision.. but you still have to take the opportunity, if you're not letting it sit in a CD/mutual index fund anyways and you would be going to WDW regardless then it doesn't really matter what the opportunity cost is.

Yep I suspect we'll be the same, here’s my data point:

So, the past two years we’ve gone to Disney we’ve stayed once at an Art of Animation 1BR and once at the Disney Springs Drury Plaza Hotel 1BR. The DVC contract we purchased in June was for 135 points at the Polynesian with 135 banked points from 2022. I’ll compare the DVC purchase with staying at the Drury, AoA, and an equivalent Poly room.

Instead of renting them out, we’ve decided to spread those bonus 2022 points out across the first 5-7 trips to get a few extra nights each time. At that point we may already own more points (what’s it called again addonenza? addonrona?

). I’m using a generous 10% investment rate and a 4% inflation rate for both DVC dues and hotel rates. I’m also assuming annual trips.

We have a trip coming up in January, so I’ll use that timeframe to look up prices. The 135 DVC points gets us 6 nights in a Poly Deluxe Studio with a lake view.

Today’s rates for a 1BR Drury for the same period comes out to $1,609.80. Accounting for additional expenses of staying at the Drury (i.e., cost of a rental car, resort parking, and theme park parking, less the cost of the car service we’d use to get from airport to Poly) adds another $475, for a total of $2,085 for an equivalent trip.

Disney is currently running a 25% off promotion which puts the Art of Animation suite at $3,126 and Polynesian Deluxe Studio at $4,322 over the same period.

Obviously, there’s many ways to compare these: total cost, present value of costs, opportunity cost of using this money for vacations (e.g., what could have accumulated if invested at 10%), time to break even. I’ve summarized some metrics for each alternative in the table below. The first row shows the total costs without considering the time-value of money (scoff). The second is the present value at 10% of those costs. The third and fourth rows show the accumulated value @ 10% if you had instead invested all of the money spent on vacations at the 10- and 20-year marks, respectively. The fifth row shows the accumulated value of all those invested funds after 42 years…wowza on the compounding am I right?! Finally, the last two rows show how many annual trips until DVC pays for itself.

	DVC	Drury	AoA	Poly
Total Lifetime Cost	174,682	307,925	461,740	489,808
PV @ 10% of Lifetime Costs	42,415	40,554	60,812	73,776
10yr Opportunity Cost FV @ 10%	80,435	47,918	71,855	95,225
20yr Opportunity Cost FV @ 10%	245,485	194,715	291,978	373,980
Lifetime FV (2066)	2,436,183	2,329,288	3,492,815	4,237,447
DVC Breakeven Abs Costs (No TVM)		14 trips	7 trips	5 trips
DVC Breakeven @ 10%		Never	12 trips	7 trips

At a 10% discount rate, the Drury wins out with a present value of just $40,554 for a lifetime of vacation accommodations. DVC comes in just slightly higher at $42,415. The Art of Animation suite is 50% more with a PV of $60,812, and the same room at the Polynesian comes in at a whopping $73,776.

You can think of the last row of the table (Breakeven @ 10% interest) as the amount of time before you would run out of money if you had instead invested the DVC costs at 10% and drawn upon that balance to fund vacations. The chart below shows the same and is my personal favorite to slap in someones face who condescends to ask, “Why didn’t you just invest that money?”

Now some may cry foul about my comparison of a Poly studio to 1BR suites, but harkening back (shoutout @pkrieger2287 ) to my economics classes from college…the utility my family gets out of staying on property far exceeds trekking in every day from a larger room at the Drury. The Poly studio edges out the AoA suite as well for us given it’s a deluxe monorail resort (MK is my daughters’ jam for the foreseeable future) and that's ultimately why we went the DVC route.

A thousand things can and will change between now and 2066, but everyone has their own process for evaluating DVC for their family and I suppose this is mine. I know I’m not the only nerd that finds this stuff fun!

pkrieger2287 · Nov 1, 2023

Galactic Reversal said:
Yep I suspect we'll be the same, here’s my data point:

So, the past two years we’ve gone to Disney we’ve stayed once at an Art of Animation 1BR and once at the Disney Springs Drury Plaza Hotel 1BR. The DVC contract we purchased in June was for 135 points at the Polynesian with 135 banked points from 2022. I’ll compare the DVC purchase with staying at the Drury, AoA, and an equivalent Poly room.

Instead of renting them out, we’ve decided to spread those bonus 2022 points out across the first 5-7 trips to get a few extra nights each time. At that point we may already own more points (what’s it called again addonenza? addonrona? ). I’m using a generous 10% investment rate and a 4% inflation rate for both DVC dues and hotel rates. I’m also assuming annual trips.

We have a trip coming up in January, so I’ll use that timeframe to look up prices. The 135 DVC points gets us 6 nights in a Poly Deluxe Studio with a lake view.

Today’s rates for a 1BR Drury for the same period comes out to $1,609.80. Accounting for additional expenses of staying at the Drury (i.e., cost of a rental car, resort parking, and theme park parking, less the cost of the car service we’d use to get from airport to Poly) adds another $475, for a total of $2,085 for an equivalent trip.

Disney is currently running a 25% off promotion which puts the Art of Animation suite at $3,126 and Polynesian Deluxe Studio at $4,322 over the same period.

Obviously, there’s many ways to compare these: total cost, present value of costs, opportunity cost of using this money for vacations (e.g., what could have accumulated if invested at 10%), time to break even. I’ve summarized some metrics for each alternative in the table below. The first row shows the total costs without considering the time-value of money (scoff). The second is the present value at 10% of those costs. The third and fourth rows show the accumulated value @ 10% if you had instead invested all of the money spent on vacations at the 10- and 20-year marks, respectively. The fifth row shows the accumulated value of all those invested funds after 42 years…wowza on the compounding am I right?! Finally, the last two rows show how many annual trips until DVC pays for itself.

DVC
Drury
AoA
Poly
Total Lifetime Cost
174,682
307,925
461,740
489,808
PV @ 10% of Lifetime Costs
42,415
40,554
60,812
73,776
10yr Opportunity Cost FV @ 10%
80,435
47,918
71,855
95,225
20yr Opportunity Cost FV @ 10%
245,485
194,715
291,978
373,980
Lifetime FV (2066)
2,436,183
2,329,288
3,492,815
4,237,447
DVC Breakeven Abs Costs (No TVM)
14 trips
7 trips
5 trips
DVC Breakeven @ 10%
Never
12 trips
7 trips

At a 10% discount rate, the Drury wins out with a present value of just $40,554 for a lifetime of vacation accomodations. DVC comes in just slightly higher at $42,415. The Art of Animation suite is 50% more with a PV of $60,812, and the same room at the Polynesian comes in at a whopping $73,776.

You can think of the last row of the table (Breakeven @ 10% interest) as the amount of time before you would run out of money if you had instead invested the DVC costs at 10% and drawn upon that balance to fund vacations. The chart below shows the same and is my personal favorite to slap in someones face who condescends to ask, “Why didn’t you just invest that money?”

View attachment 806950

Now some may cry foul about my comparison of a Poly studio to 1BR suites, but harkening back (shoutout @pkrieger2287 ) to my economics classes from college…the utility my family gets out of staying on property far exceeds trekking in every day from a larger room at the Drury. The Poly studio edges out the AoA suite as well for us given it’s a deluxe monorail resort (MK is my daughters’ jam for the foreseeable future) and that's ultimately why we went the DVC route.

A thousand things can and will change between now and 2066, but everyone has their own process for evaluating DVC for their family and I suppose this is mine. I know I’m not the only nerd that finds this stuff fun!

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