Any DVC (Disney Vacation Club) folks here or others who have considered it? Been thinking about it for a few years, but can't quite pull the trigger.

Wondering if others do it, like it, have been able to justify the value, etc.

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We love ours - have points at the Boardwalk and Grand Floridian. We don’t go to Disney every year. When we don’t go, I rent the points through a third party and get paid pretty well on them. I think on a cost basis, our break even is under $10 per point based on the annual fees and initial cost, but we sell them at about $15 per point and then just use the funds to pay for our non-Disney trip. We like the value and have loved the units at both of our home resorts - we’ve also stayed at Aulani, Hilton Head, and several other Disney resorts and the rooms are ok although some are definitely better than others.

Go with secondary market. I don't know if DVC can be bought on secondary market, but I did buy Club Wyndham points-based timeshare for pennies on the dollar (under $2K all-in purchase price for 189,000 annual points, compared to nearly $50k if you buy during the high pressure sales presentation). If you're truly considering a timeshare or DVC, secondary market is the only way to go! Full disclosure, one does have to pay annual maintenance fee for the timeshare 'base' purchased with the points, mine is $120 monthly, which is far less than one would pay (annualized) to rent an equivalent hotel or condo for a week for a family of 4. In most years, we can get 2 vacations for 189k points, but no impact to annual maintenance fee.

Yes, consider maintenence fees as your true annual cost for vacation since you'll pay so little to buy the points. Obviously if you sell your interest, your maintenence fees go away. I also learned to buy points at a resort home base that is not on the coasts since that could dramatically raise maintenence costs if there is severe hurricane damage. With points based timeshares, where you choose to vacation has nothing to do with your home base. My home resort is Branson at the Meadows in Missouri and I have yet to stay there and I bought over 10 years ago. Wyndham points are fungible and can be used at any Wyndham resort. As a Wyndham owner, you can also 'bank' your points to their sister company (RCI) which gives you access to many more resorts, especially internationally.

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We bought into DVC directly from Disney a few years ago - home resort is Copper Creek.

My main analysis was comparing cost of DVC to how much we were paying out of pocket for Disney hotels. Our cash break even was 5-6 years.

You can buy DVC on the secondary market, but discount is not much as other brands. Disney has first right of refusal on any transfer, and they use that to keep secondary market prices high. You also lose some benefits buying secondary. Make sure you know the differences if you decide to go that route.

We have stayed at a number of DVC resorts and are overall quite happy. Just stayed at Aulani a couple of weeks ago and it was great, even with pandemic restrictions.

Following along as I’ve also done analysis paralysis on this topic and haven’t been ready to pull the trigger. There is a very healthy resale market for DVC which does offer considerable discounts on point prices vs direct purchases. Pay special attention though to benefits afforded to resale buyers vs direct buyers. Disney continues to squeeze the rights and privileges of resale market buyers, including access to parts of the property portfolio and other perks.

I bought in about four years ago and then added more points (different home resort) in January 2020. I like it well enough eleven months out of the year, and the twelfth month is when I owe maintenance fees so I cringe. I suspect that I will feel better about it all in another five or so years when the price per point has increased more. Since I am loyal to Disney, can see myself enjoying cruises or various other adventures well into my senior years, and bought when my son was 1 and was just about to start loving Disney himself, I think I will be happy in the long run. (Thankful they bought Marvel and LucasFilm so they stand a chance of keeping him engaged as a teen)

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