New incentives

[intamin]

I am also new to this and have a March UY.

Would I just need to sign the contract and commit to buying the points before March, or would the entire deal need to be closed before March?

You would just have to get the paperwork drawn up before March and they can bank the points forward for you although with the new incentives coming out ideally you would lock in prices today so you could straddle the next round of incentives and pick the better of the two.

 

[cheryl.UK]

Not quite there yet. I still need 150 BCV points, just no idea how to finance them yet!

 

[Instagramhusband]

I seen others say the same and using MB. Can you elaborate on the ideal timeframe? For example for a Feb UY... this part is somewhat new to me given my contracts are resale. Thanks!

So my use year was March and I bought last month. It just closed two days ago, so the 2025 points were there and I sold it back to them. My 2026 points are coming march 1, so it was a lovely bonus.

 

[Chili327]

They also seem to like to tinker with incentives within incentives. Lately, they have switched between 150 or 200 points being the sweet spot. After the deep discounts they had for big purchases, they have been cutting off discounts for larger point purchases and I wouldn't expect that to change much, especially this period and with the price increases.

Only mention it in case you like the incentives based on the points you intend to purchase (150 vs 200 etc) vs are holding out for a better deal on some more points.

Agree with everyone here, just get an email from a guide locking in incentives if you intend to purchase short term.

And even down into the 100 size.

i'm new to this. can someone explain why prices per point are increasing? Since all contracts have an end date, shouldn't the value of a point decrease annually as you have one year less on the contract (even if it's a small decrease, but it shoudn't be an increase)? I understand demand and supply, but hotel prices aren't really going up with all the promotions running all year round. What else am I missing?

Buy sooner than later!! It can really make a huge difference if you want to get the best bang for your buck and plan to sell before end of contract to get a good chunk of your money back!

if comparing buying whichever contract last year vs this year, all the rest is the same - dues will change but it's same for all contracts regardless when they were purchased, points chart is same for all, etc. so all other elements are same for all contracts - the only variable that can change is the per point price with passage of time. So i still don't understand why a contract that has more years of use cost less than a contract that has one (or however many) fewer years to go before expiry and how it can be justified to cost more per point.

Same, buy now, not later.
Imagine buying in 2001, and then loooking to add in now to the same resort. lol

When buying direct, there will almost never be a cheaper time to buy than today (or, more accurately, the current incentive period). Prices generally only go up - this is part of the sales process of DVC - if they lowered prices as time went on, there would be no reason to buy today. And, the longer you wait, the less value you will be getting out of your purchase because there will be less years of use left.

Yep, exactly!!

DVC direct can override the banking window and allow 2025 points to be banked into 2026 when past the banking deadline. What they can't do is give you 2025 points once the 2025 use year has already passed as is the case for February use year people right now since it's February 9th and February is now in its 2026 use year.

I think I can now hold off on Addonitis until August.
75 direct CCV, here we come. lol

 

[ClaraOswald]

Imagine buying in 2001, and then loooking to add in now to the same resort. lol

Yeah...and if you're wanting to purchase VGC....never look up what it cost to buy in when it first opened. You'll cry yourself to sleep, for sure, while paying $250-$330 per point now.

 

[DonkeyHoTay]

I think RIV incentives get better but net result will be the same.

I think CFW get better with a net result slightly better.

I think PVB tower incentives stay the same with net result slightly more.

Not sure if they will choose a sold out resort to put incentives on but it seems to be the new norm.

This is where my money is.

Yep. Fully expecting higher net prices (i.e. increased base pp will not be fully offset by incentives) across the Board.

Not sure about CFW... I paid $166.67 pp (after MB) for 150 points in August 2025. It's a good bit higher this cycle; will be interesting to see what happens for the next cycle starting tomorrow.

 

[intamin]

Yeah...and if you're wanting to purchase VGC....never look up what it cost to buy in when it first opened. You'll cry yourself to sleep, for sure, while paying $250-$330 per point now.

The one thing that makes me feel better is there is no way in hell I was in any position to buy at that age

 

[AstroBlasters]

The one thing that makes me feel better is there is no way in hell I was in any position to buy at that age

The issue is that that was not that long after the financial crisis and I may remember being able to get into a room at the Disneyland hotel for a ridiculously low price and then we would always get a note under our door asking if we wanted to extend our stay for something like $40-$60 a night.

It got to the point where we were only booking one night and then planned on staying for the rest of the week on these cheap extended stay offers because we had family that we knew we could go stay at if we really had to.

Why put money into DVC when the stock market and travel/hotels were screamingly cheap?

Here is the return of the SP500 from when VGC went on sale until today:

Cumulative total return

• ≈ +720% to +760%
• About 8.3×–8.6× your original investment

Annualized return (CAGR)

• ≈ 13.2%–13.6% per year

 

[ClaraOswald]

The one thing that makes me feel better is there is no way in hell I was in any position to buy at that age

True. It opened in 2009, right? We had only been married 3 years by then. And only 1 year in our first house. We made a lot less money back then. I pulled up my old notes from my vacation binder (yes, I'm a nerd) and for our 2009 trip, we paid under $400 TOTAL for 6 nights at an offsite hotel.

 

[Chili327]

Here is the return of the SP500 from when VGC went on sale until today:

Cumulative total return

• ≈ +720% to +760%
• About 8.3×–8.6× your original investment

Annualized return (CAGR)

• ≈ 13.2%–13.6% per year

What does that tell us? (explain like I’m 5 )

 

[gvel]

What does that tell us? (explain like I’m 5 )

His agrument is that everything is relative to the financial reality of the time.

Even though buying VGC at those low prices seem like no brainers now, you would've been a lot better just buying SP500 stock. For every $1 that you were to invest in the SP500 instead of buying into VGC when it openened, is now worth $8.30. So even if the price of VGC has doubled or tripled from inception you're still way ahead investing in the SP500.

 

[intamin]

True. It opened in 2009, right? We had only been married 3 years by then. And only 1 year in our first house. We made a lot less money back then. I pulled up my old notes from my vacation binder (yes, I'm a nerd) and for our 2009 trip, we paid under $400 TOTAL for 6 nights at an offsite hotel.

2009? I was with my ex-ex girlfriend then, still in my first college dorm, losing money from tuition but still having a blast and enjoying college lol. God I remember having the highest DL pass around that time though and it was only like 400 something dollars, my friends didn't want anything but the lowest pass because they only wanted to spend 100 dollars. God how things change lol

His agrument is that everything is relative to the financial reality of the time.

Even though buying VGC at those low prices seem like no brainers now, you would've been a lot better just buying SP500 stock. For every $1 that you were to invest in the SP500 instead of buying into VGC when it openened, is now worth $8.30. So even if the price of VGC has doubled or tripled from inception you're still way ahead investing in the SP500.

To be fair, it doesn't include being able to vacation at DL for the past 17 years and taking that out so it's not as drastic as the example implies although obviously the better investment vehicle is always going to be the SP500 lol.

 

[ClaraOswald]

2009? I was with my ex-ex girlfriend then, still in my first college dorm, losing money from tuition but still having a blast and enjoying college lol. God I remember having the highest DL pass around that time though and it was only like 400 something dollars, my friends didn't want anything but the lowest pass because they only wanted to spend 100 dollars. God how things change lol


To be fair, it doesn't include being able to vacation at DL for the past 17 years and taking that out so it's not as drastic as the example implies although obviously the better investment vehicle is always going to be the SP500 lol.

You're a bit younger than I! I was 28....but DVC wasn't even on our radar back then. After moving away from CA, we didn't go all that frequently. But I do miss those old AP prices! My last AP was in 2007.