If I bought another AKV contract with the same user year could I combine the contracts??
This is possible. If the new contract is set up right, I think this may happen automatically, or it may take a call to MS.
If you only plan to use your
DVC for one trip annually, the simplest thing to do is find a contract with the same use year at your current home resort. That is not always easy, because sometimes the smaller contract are harder to come by.
If there is a small contract at your home resort with a different UY, this can be used for an annual trip as well, since you can transfer the points from one contract to the other. The transferred points will retain the same UY rules as the original contract (ie, if it is a June UY that you are transferring from, those would still need to be banked by the end of January once the points are transferred to you other contract), so you will need to look closely at when you are planning your trip and make sure you do not miss the banking window. Once points are transferred, you can still bank them to the next UY, but you cannot borrow them or transfer them again.
Buying a small contract at a different home resort with the plan to use them in combination with your current home resort once a year completely eliminates the 11 month window for booking. This is an enticing option, since SSR points come relatively cheaply on the resale market, but there may be a time when you really need that 11 month window, so it may not be worth the savings in the long run.
We recently added on a small AKV contract to our original AKV contract. We have a December UY and the small contract is Aug. It will be a bit of an accounting game to use the points annually, but we only needed a few more points, and there was not a Dec UY contract available at the time we added on. I could certainly see adding on a small BWV contract at some point in time with enough points to use every 2-3 years for F&W, since the 11 month window is so important during that time of year. But, we need to finish paying for what we've got first!
I hope this helps.