RIV Add-On Contract Sizes

[airjay75]

Want some quick crowdsourcing help if you’re so inclined. I own 300 direct RIV points - 2 150-pt contracts. I’m nearly certain I’ll be adding on another 300 points before the end of tomorrow (when my 7 day post-tour period expires - last incentives were better than this round for AP holders). How would you break up those additional 300 points? Two 100-pt contracts and 2 50-pt contracts? Six 50-pt contracts? Two 75-pt contracts and 3 50-pt contracts? Something else? 25-pt contracts seem too small. I do like the idea of keeping everything easily divisible since I have 2 kids (no more ), so probably lean towards the 2 100-pt, 2 50-pt or 6 50-pt.

Fairly certain my original 300 points are keepers for the long-term. Imagine I want more than that for the long term, but I could see offloading some at some point down the road. I know none of us have crystal balls. Just curious what you’d do.

And, yes, I’m poolside at RIV right now .

 

[BL2020]

I like the first option 2(100) and 2(50). That way any resale would be attractive to new buyers getting a more usable contract and current owners adding on for 50.

 

[T00dles]

Sounds like a fun place to ponder points! We’ve got a mix of small and large contracts and definitely appreciate the simplicity of the larger ones—much easier to manage. Going forward, we're aiming for 75–100 pt contracts too: big enough to be practical, still flexible for future transfers or sales. For 300 pts, I’d lean toward 3x100 or 2x100 + 2x50 if you want some gifting/dividing flexibility later.

 

[eticketplease]

Remember breaking contracts up does add a few more $$ in the fee department.

With the two kids, I would try and make them identical so you could sell 2 contracts and kids would still have 225 each.

I say 4 75 pointers.

They will certainly sell on the resale market and be sold faster as well.

A new person could get 3 nights in a tower studio during season 7 or 3 nights in season 6 with points left over to bank for a regular studio. If they can travel in September they can get 5 nights in a studio.
Of course this 75 would help existing RIV owners trying to get larger accommodations once Disney has marked the resort as sold out and raises the price.

 

[Tatebeck]

I have actually come to like having multiple smaller contracts as they are more flexible. You can more easily choose when to let it take banked/borrowed points and is easier to save specific numbers of points at certain resorts later to bank for future years.

 

[airjay75]

Remember breaking contracts up does add a few more $$ in the fee department.

With the two kids, I would try and make them identical so you could sell 2 contracts and kids would still have 225 each.

I say 4 75 pointers.

They will certainly sell on the resale market and be sold faster as well.

A new person could get 3 nights in a tower studio during season 7 or 3 nights in season 6 with points left over to bank for a regular studio. If they can travel in September they can get 5 nights in a studio.
Of course this 75 would help existing RIV owners trying to get larger accommodations once Disney has marked the resort as sold out and raises the price.

That is another option I had not thought of and I quite like it. Thank you!

 

[tx911]

I like option 1 for symmetry

 

[MerlinandtheMouse]

As someone who’s not very seriously been looking for some RIV resale, 75pts is where we’ve settled would be a good place to start. Like @eticketplease said, 75pts gets you a few extra nights in a studio without borrowing or borrow it all and have a week stay every other year which I think would be attractive to both new buyers and current RIV owners.

I’d either do your first option of 100/100/50/50 or more likely, 75x4.

 

[Chili327]

I’m sure it’s been said already but i believe you can only break it up into 3 contracts.
So I’d vote for 3x100.

 

[eticketplease]

I’m sure it’s been said already but i believe you can only break it up into 3 contracts.
So I’d vote for 3x100.

I have not heard that before I figured they would split as many times as you wish to pay the fee?

 

[airjay75]

I’m sure it’s been said already but i believe you can only break it up into 3 contracts.
So I’d vote for 3x100.

My guide said 6 50-pt contracts would be perfectly fine - said it was my choice.

 

[tx911]

My guide said 6 50-pt contracts would be perfectly fine - said it was my choice.

Might as well go for 12 25s!

 

[airjay75]

Might as well go for 12 25s!

LOL. . Of course the thought crossed my mind but at a certain point it just starts to feel silly. And, once you factor in the $250 doc fee on the front end and the $150 ROFR fee on the back end, any increase in value you might get selling the contract gets eaten up pretty quickly.

 

[AstroBlasters]

My guide said 6 50-pt contracts would be perfectly fine - said it was my choice.

I would 100% go for 6x50 and waive the title insurance. If you need to resell they will go quickly and retain more of their value. If not that then 4x74. After that 3x100, etc.

 

[Chili327]

I have not heard that before I figured they would split as many times as you wish to pay the fee?

I’m pretty sure you were limited to 3, but…

My guide said 6 50-pt contracts would be perfectly fine - said it was my choice.

Apparently I was wrong.

 

[achinforsomebacon]

My guide said 6 50-pt contracts would be perfectly fine - said it was my choice.

If you're really considering more than 4, I would get confirmation. We went through this with the VGF sale and were told you could do at most 4 or you would lose the incentives based on 300 points. They'll sell you whatever you want but it might cost you more than just additional closing costs.

 

[achinforsomebacon]

Also, I'd go with either 4x75 or 2x100 and 2x50. This way you can easily get to 150 for you and each kid if you wanted and you would all retain direct benefits.

Or maybe 150/75/75 if you didn't want to pay for 4 contracts. This way everyone gets one of the 150s and you get the 75s..then you could give each kid another 75 or each 150 more.

 

[VGCgroupie]

I agree 6x50. Big enough direct wouldn't always make more sense than resale, 25 is so little that it could make more sense to buy direct. 50 pointers sell very quickly and for more money than 75 or 100 and so on. You will for sure make up any additional title fees incurred if you ever sell, an insurance plan of sorts imo. I also think resale RIV will be very attractive to members who already own there and when you already own there you probably don't want alot more points you want just enough to add a day or bump up room categories.

The only thing that could happen is they stop selling 25 pointers at RIV again and then BOOM those 25 pointers are even more valuable.

 

[Brian Noble]

Want some quick crowdsourcing help if you’re so inclined.

I would probably structrue the total portfolio as two sets of 150/100/50. Or, just do two more 150s.

 

[MicheyMouse]

I would do 2x150 and try to figure out a way to add one kid to each if at all possible so they get full direct benefits. There’s no telling how many direct points will be required in the future.