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1 | Analysis of Buying 100 DVC Points at Saratoga Springs vs. Investing Same Costs and Paying Cash for Vacation | # points | |||||||||||||||||||||||||
2 | 100 | ||||||||||||||||||||||||||
3 | Assumes 2018 buy-in of 100 points at $98/point, ownership ending January 31, 2054, starting dues of $5.86/pt and dues increase of M10% compounded annually. | buy-in cost per pt. | |||||||||||||||||||||||||
4 | $140.00 | ||||||||||||||||||||||||||
5 | Assumes buy-in cost and annual dues would be invested each January 1 earning M16% compounded annually. | total buy-in amt | |||||||||||||||||||||||||
6 | Assumes cash cost of annual vacation is deducted from the invested amount each year. | $14,500.00 | |||||||||||||||||||||||||
7 | "Remaining Balance" column represents projected amount left in the investment account at the end of each year. | starting dues/pt. | |||||||||||||||||||||||||
8 | $5.86 | ||||||||||||||||||||||||||
9 | Cash cost of resort stays assumes Regular Season and includes current 12.5% tax rate (no allowance for tax increases) and M12% compounded annual rate increase. | dues increase | |||||||||||||||||||||||||
10 | Point rental scenarios assume renting equivalent points at $17/pt in 2017 and rental costs increasing at M14% compounded annually. | 3.00% | |||||||||||||||||||||||||
11 | cash rent increase | ||||||||||||||||||||||||||
12 | DVC purchase beats investing and paying cash for vacation if the "Remaining Balance" column goes negative before the ownership ends. | 6.00% | |||||||||||||||||||||||||
13 | pt rent increase | ||||||||||||||||||||||||||
14 | Number of points, buy-in cost per point, starting dues, dues increase %, cash cost/points rental increase % and interest rate earned can be adjusted at right, to suit your own scenario. | 4.00% | |||||||||||||||||||||||||
15 | interest earned | ||||||||||||||||||||||||||
16 | 3.00% | ||||||||||||||||||||||||||
17 | Dollars | Potential | |||||||||||||||||||||||||
18 | Per | Rental | Running Points | Point Rental | Number of | Points Rental | Remaining | DVC | Cash Payment | Remaining | Off Property/Cash Property | Hilton Buena | World Center | Wyndham | Cars Suite | 5 Bedroom | Port Orleans | AKL | FW | Poly | Boardwalk | ||||||
19 | Year | Age | Child #1 | Child #2 | Points | Point | Income | Dues | Balance | Cost | Points Used | Vacations | Balance | Vacations | Vacations | Balance | Vacations | Vista Fireworks Vw | Marriott | Bonnet Creek | AOA | AirBnB | Bunk Beds | Cabins | |||
20 | 2018 | 35 | 3 | 0 | #DIV/0! | $ - | $ 586.00 | - | $ 17.34 | - | $ - | $ 15,086.00 | $ - | $15,086.00 | $ 259.84 | $ 311.36 | $ 249.00 | $ 465.92 | $ 275.00 | $ 257.79 | $ 697.76 | $ 446.88 | $ 731.36 | $ 421.12 | |||
21 | 2019 | 36 | 4 | 1 | 100 | $9.82 | $ 1,262.35 | $ 603.58 | 100 | $ 18.03 | 199 | $ 3,588.69 | $ 12,571.58 | 6 Nights AKL 2 Bed (199 points) | $ 1,749.00 | $ 14,411.27 | 6 Nights AirBnB | $ 275.43 | $ 330.04 | $ 263.94 | $ 493.88 | $ 291.50 | $ 273.25 | $ 739.63 | $ 473.69 | $ 775.24 | $ 446.39 |
22 | 2020 | 37 | 5 | 2 | 100 | $10.00 | $ 1,312.85 | $ 621.69 | 1 | $ 18.75 | 108 | $ 2,025.53 | $ 11,563.53 | 5 Nights BLT L Studio (108 points) | $ 2,025.53 | $ 13,458.41 | 5 Nights BLT rental | $ 291.96 | $ 349.84 | $ 279.78 | $ 523.51 | $ 308.99 | $ 289.65 | $ 784.00 | $ 502.11 | $ 821.76 | $ 473.17 |
23 | 2021 | 38 | 6 | 3 | 100 | $10.19 | $ 1,365.36 | $ 640.34 | (7) | $ 19.51 | - | $ - | $ 12,569.99 | $ - | $ 14,521.71 | $ 309.47 | $ 370.83 | $ 296.56 | $ 554.92 | $ 327.53 | $ 307.03 | $ 831.04 | $ 532.24 | $ 871.06 | $ 501.56 | ||
24 | 2022 | 39 | 7 | 4 | 100 | $10.38 | $ 1,419.97 | $ 659.55 | 93 | $ 20.29 | 150 | $ 3,042.80 | $ 10,583.62 | 5 Nights SS 1 Bed (150 points) | $ 2,941.07 | $ 12,695.63 | 5 Nights Cars Suite | $ 328.04 | $ 393.08 | $ 314.36 | $ 588.21 | $ 347.18 | $ 325.45 | $ 880.91 | $ 564.18 | $ 923.33 | $ 531.65 |
25 | 2023 | 40 | 8 | 5 | 100 | $10.58 | $ 1,476.77 | $ 679.33 | 43 | $ 21.10 | 124 | $ 2,616.00 | $ 8,984.84 | 4 Nights WL-BR 1 Bed (124 points) | $ 2,494.02 | $ 11,282.19 | 4 Nights Cars Suite | $ 347.72 | $ 416.67 | $ 333.22 | $ 623.51 | $ 368.01 | $ 344.98 | $ 933.76 | $ 598.03 | $ 978.72 | $ 563.55 |
26 | 2024 | 41 | 9 | 6 | 100 | $10.78 | $ 1,535.84 | $ 699.71 | 19 | $ 21.94 | - | $ - | $ 9,975.09 | $ - | $ 12,341.36 | $ 368.59 | $ 441.67 | $ 353.21 | $ 660.92 | $ 390.09 | $ 365.67 | $ 989.79 | $ 633.91 | $ 1,037.45 | $ 597.37 | ||
27 | 2025 | 42 | 10 | 7 | 100 | $10.99 | $ 1,597.28 | $ 720.71 | 119 | $ 22.82 | 208 | $ 4,746.20 | $ 6,270.48 | 7 Nights GF 1 Bed (308 points) | $ 4,746.20 | $ 8,707.73 | 7 Nights Poly Rental | $ 390.70 | $ 468.17 | $ 374.40 | $ 700.57 | $ 413.50 | $ 387.61 | $ 1,049.17 | $ 671.94 | $ 1,099.70 | $ 633.21 |
28 | 2026 | 43 | 11 | 8 | 100 | $11.21 | $ 1,661.17 | $ 742.33 | 11 | $ 23.73 | - | $ - | $ 7,223.19 | $ 2,054.36 | $ 7,679.20 | 5 Nights Port Orleans | $ 414.15 | $ 496.26 | $ 396.87 | $ 742.61 | $ 438.31 | $ 410.87 | $ 1,112.12 | $ 712.26 | $ 1,165.68 | $ 671.20 | |
29 | 2027 | 44 | 12 | 9 | 100 | $11.43 | $ 1,727.62 | $ 764.60 | 111 | $ 24.68 | 213 | $ 5,256.89 | $ 2,970.53 | 7 Nights Boardwalk 1 Bed (213 points) | $ 1,509.99 | $ 7,187.13 | 2 Nights Cabins | $ 438.99 | $ 526.04 | $ 420.68 | $ 787.16 | $ 464.61 | $ 435.52 | $ 1,178.85 | $ 754.99 | $ 1,235.62 | $ 711.47 |
30 | 2028 | 45 | 13 | 10 | 100 | $11.66 | $ 1,796.72 | $ 787.53 | (2) | $ 25.67 | - | $ - | $ 3,870.81 | $ - | $ 8,213.90 | $ 465.33 | $ 557.60 | $ 445.92 | $ 834.39 | $ 492.48 | $ 461.65 | $ 1,249.58 | $ 800.29 | $ 1,309.75 | $ 754.16 | ||
31 | 2029 | 46 | 14 | 11 | 100 | $11.90 | $ 1,868.59 | $ 811.16 | 98 | $ 26.69 | 105 | $ 2,802.88 | $ 2,019.54 | 3 Nights Aulani 1 Bed (105 points) | $ 2,802.88 | $ 6,492.93 | 3 Nights Aulani | $ 493.25 | $ 591.05 | $ 472.68 | $ 884.46 | $ 522.03 | $ 489.35 | $ 1,324.56 | $ 848.31 | $ 1,388.34 | $ 799.41 |
32 | 2030 | 47 | 15 | 12 | 100 | $12.14 | $ 1,943.33 | $ 835.50 | 93 | $ 27.76 | - | $ - | $ 2,940.69 | $ - | $ 7,548.28 | $ 522.85 | $ 626.52 | $ 501.04 | $ 937.52 | $ 553.35 | $ 518.72 | $ 1,404.03 | $ 899.21 | $ 1,471.64 | $ 847.38 | ||
33 | 2031 | 48 | 16 | 13 | 100 | $12.39 | $ 2,021.07 | $ 860.56 | 193 | $ 28.87 | 142 | $ 4,099.88 | $ (184.59) | 5 Nights AKL 1 Bed (142 Points) | $ 4,099.88 | $ 4,561.23 | 5 Nights AKL Rental | $ 554.22 | $ 664.11 | $ 531.10 | $ 993.77 | $ 586.56 | $ 549.84 | $ 1,488.27 | $ 953.16 | $ 1,559.94 | $ 898.22 |
34 | 2032 | 49 | 17 | 14 | 100 | $12.65 | $ 2,101.91 | $ 886.38 | 151 | $ 30.03 | - | $ - | $ 722.84 | $ - | $ 5,611.03 | $ 587.47 | $ 703.96 | $ 562.97 | $ 1,053.40 | $ 621.75 | $ 582.83 | $ 1,577.57 | $ 1,010.35 | $ 1,653.53 | $ 952.11 | ||
35 | 2033 | 50 | 18 | 15 | 100 | $12.91 | $ 2,185.99 | $ 912.97 | 251 | $ 31.23 | 93 | $ 2,904.24 | $ (1,219.35) | 5 Nights Boardwalk Pref Studio (93 points) | $ 2,904.24 | $ 3,815.48 | 4 Nights Beach Club Rental | $ 622.72 | $ 746.19 | $ 596.74 | $ 1,116.60 | $ 659.05 | $ 617.80 | $ 1,672.22 | $ 1,070.97 | $ 1,752.75 | $ 1,009.24 |
36 | 2034 | 51 | 19 | 16 | 100 | $13.19 | $ 2,273.42 | $ 940.36 | 258 | $ 32.48 | - | $ - | $ (287.36) | $ - | $ 4,898.52 | $ 660.08 | $ 790.96 | $ 632.55 | $ 1,183.60 | $ 698.60 | $ 654.87 | $ 1,772.56 | $ 1,135.23 | $ 1,857.91 | $ 1,069.79 | ||
37 | 2035 | 52 | 20 | 17 | 100 | $13.47 | $ 2,364.36 | $ 968.57 | 358 | $ 33.78 | 293 | $ 9,896.54 | $ (9,194.90) | 7 Nights SS 1 Bed (293 points) | $ 4,192.11 | $ 1,850.99 | 5 Nights Marriott | $ 699.69 | $ 838.42 | $ 670.50 | $ 1,254.62 | $ 740.51 | $ 694.16 | $ 1,878.91 | $ 1,203.35 | $ 1,969.39 | $ 1,133.98 |
38 | 2036 | 53 | 21 | 18 | 100 | $13.76 | $ 2,458.94 | $ 997.63 | 165 | $ 35.13 | - | $ - | $ (8,443.19) | $ - | $ 2,934.07 | $ 741.67 | $ 888.73 | $ 710.73 | $ 1,329.89 | $ 784.94 | $ 735.81 | $ 1,991.64 | $ 1,275.55 | $ 2,087.55 | $ 1,202.02 | ||
39 | 2037 | 54 | 22 | 19 | 100 | $14.06 | $ 2,557.29 | $ 1,027.55 | 265 | $ 36.53 | 180 | $ 6,575.90 | $ (14,214.00) | 4 Nights WL-CC 1 Bed (180 points) | $ 3,119.83 | $ 960.65 | 4 Nights Port Orleans | $ 786.17 | $ 942.05 | $ 753.37 | $ 1,409.69 | $ 832.04 | $ 779.96 | $ 2,111.14 | $ 1,352.08 | $ 2,212.80 | $ 1,274.14 |
40 | 2038 | 55 | 23 | 20 | 100 | $14.37 | $ 2,659.59 | $ 1,058.38 | 185 | $ 37.99 | - | $ - | $ (13,550.29) | $ - | $ 2,079.61 | $ 833.34 | $ 998.57 | $ 798.58 | $ 1,494.27 | $ 881.96 | $ 826.75 | $ 2,237.81 | $ 1,433.20 | $ 2,345.57 | $ 1,350.59 | ||
41 | 2039 | 56 | 24 | 21 | 100 | $14.69 | $ 2,765.97 | $ 1,090.13 | 285 | $ 39.51 | - | $ - | $ (12,833.96) | $ - | $ 3,264.83 | $ 883.34 | $ 1,058.49 | $ 846.49 | $ 1,583.92 | $ 934.88 | $ 876.36 | $ 2,372.08 | $ 1,519.20 | $ 2,486.30 | $ 1,431.62 | ||
42 | 2040 | 57 | 25 | 22 | 100 | $15.01 | $ 2,876.61 | $ 1,122.84 | 385 | $ 41.09 | 239 | $ 9,821.56 | $ (21,884.02) | 5 Nights Grand Floridian Studio (239 points) | $ 4,681.72 | $ (162.42) | 57 Nights Hilton | $ 936.34 | $ 1,122.00 | $ 897.28 | $ 1,678.96 | $ 990.97 | $ 928.94 | $ 2,514.40 | $ 1,610.35 | $ 2,635.48 | $ 1,517.52 |
43 | 2041 | 58 | 26 | 23 | 100 | $15.35 | $ 2,991.67 | $ 1,156.52 | 246 | $ 42.74 | - | $ - | $ (21,349.32) | $ - | $ 1,023.93 | $ 992.52 | $ 1,189.32 | $ 951.12 | $ 1,779.70 | $ 1,050.43 | $ 984.68 | $ 2,665.27 | $ 1,706.97 | $ 2,793.61 | $ 1,608.57 | ||
44 | 2042 | 59 | 27 | 24 | 100 | $15.70 | $ 3,111.34 | $ 1,191.22 | 346 | $ 44.45 | $ - | $ (20,762.85) | $ - | $ 2,281.60 | $ 1,052.08 | $ 1,260.68 | $ 1,008.18 | $ 1,886.48 | $ 1,113.46 | $ 1,043.76 | $ 2,825.18 | $ 1,809.39 | $ 2,961.23 | $ 1,705.09 | |||
45 | 2043 | 60 | 28 | 25 | 100 | $16.05 | $ 3,235.79 | $ 1,226.95 | 446 | $ 46.23 | 130 | $ 6,009.33 | $ (26,131.30) | 5 Nights SS 1 Bed (130 points) | $ - | $ 3,613.81 | $ 1,115.20 | $ 1,336.32 | $ 1,068.68 | $ 1,999.67 | $ 1,180.26 | $ 1,106.38 | $ 2,994.70 | $ 1,917.95 | $ 3,138.90 | $ 1,807.39 | |
46 | 2044 | 61 | 29 | 26 | 100 | $16.42 | $ 3,365.22 | $ 1,263.76 | 416 | $ 48.07 | - | $ - | $ (25,613.56) | $ 3,518.30 | $ 1,505.60 | 3 Nights Port Orleans | $ 1,182.11 | $ 1,416.50 | $ 1,132.80 | $ 2,119.65 | $ 1,251.08 | $ 1,172.77 | $ 3,174.38 | $ 2,033.03 | $ 3,327.24 | $ 1,915.84 | |
47 | 2045 | 62 | 30 | 27 | 100 | $16.80 | $ 3,499.83 | $ 1,301.68 | 516 | $ 50.00 | $ - | $ (25,041.25) | $ - | $ 2,891.49 | $ 1,253.04 | $ 1,501.49 | $ 1,200.76 | $ 2,246.83 | $ 1,326.15 | $ 1,243.13 | $ 3,364.84 | $ 2,155.01 | $ 3,526.87 | $ 2,030.79 | |||
48 | 2046 | 63 | 31 | 28 | 100 | $17.19 | $ 3,639.83 | $ 1,340.73 | 616 | $ 52.00 | 68 | $ 3,535.83 | $ (27,947.37) | 4 Nights Beach Club Studio (68 points) | $ - | $ 4,359.18 | $ 1,328.22 | $ 1,591.57 | $ 1,272.81 | $ 2,381.64 | $ 1,405.71 | $ 1,317.72 | $ 3,566.73 | $ 2,284.31 | $ 3,738.48 | $ 2,152.63 | |
49 | 2047 | 64 | 32 | 29 | 100 | $17.59 | $ 3,785.42 | $ 1,380.95 | 648 | $ 54.08 | - | $ - | $ (27,363.41) | $ - | $ 5,912.34 | $ 1,407.91 | $ 1,687.07 | $ 1,349.18 | $ 2,524.54 | $ 1,490.06 | $ 1,396.78 | $ 3,780.73 | $ 2,421.37 | $ 3,962.79 | $ 2,281.79 | ||
50 | 2048 | 65 | 33 | 30 | 100 | $18.01 | $ 3,936.84 | $ 1,422.38 | 748 | $ 56.24 | 108 | $ 6,073.98 | $ (32,793.24) | 5 Nights Poly Studio (108 points) | $ 7,554.75 | $ 1,492.39 | $ 1,788.29 | $ 1,430.13 | $ 2,676.01 | $ 1,579.46 | $ 1,480.59 | $ 4,007.58 | $ 2,566.65 | $ 4,200.56 | $ 2,418.70 | ||
51 | 2049 | 66 | 34 | 31 | 100 | $18.43 | $ 4,094.31 | $ 1,465.05 | 740 | $ 58.49 | $ - | $ (32,268.04) | $ 9,290.39 | $ 1,581.93 | $ 1,895.59 | $ 1,515.94 | $ 2,836.57 | $ 1,674.23 | $ 1,569.43 | $ 4,248.03 | $ 2,720.65 | $ 4,452.59 | $ 2,563.82 | ||||
52 | 2050 | 67 | 35 | 32 | 100 | $18.87 | $ 4,258.08 | $ 1,509.00 | 840 | $ 60.83 | 150 | $ 9,124.46 | $ (40,806.28) | 4 Nights WL-CC 1 Bed (150 points) | $ 11,123.37 | $ 1,676.85 | $ 2,009.33 | $ 1,606.89 | $ 3,006.76 | $ 1,774.68 | $ 1,663.59 | $ 4,502.92 | $ 2,883.89 | $ 4,719.75 | $ 2,717.65 | ||
53 | 2051 | 68 | 36 | 33 | 100 | $19.33 | $ 4,428.40 | $ 1,554.27 | 790 | $ 63.26 | $ - | $ (40,429.57) | $ 13,057.97 | $ 1,777.46 | $ 2,129.89 | $ 1,703.31 | $ 3,187.17 | $ 1,881.16 | $ 1,763.41 | $ 4,773.09 | $ 3,056.92 | $ 5,002.93 | $ 2,880.71 | ||||
54 | 2052 | 69 | 37 | 34 | 100 | $19.79 | $ 4,605.54 | $ 1,600.90 | 890 | $ 65.79 | 128 | $ 8,421.56 | $ (48,415.09) | 4 Nights SS 2 Bed (128 points) | $ 15,098.64 | $ 1,884.11 | $ 2,257.68 | $ 1,805.51 | $ 3,378.40 | $ 1,994.03 | $ 1,869.21 | $ 5,059.48 | $ 3,240.34 | $ 5,303.11 | $ 3,053.55 | ||
55 | 2053 | 70 | 38 | 35 | 100 | $20.27 | $ 4,789.76 | $ 1,648.92 | 862 | $ 68.43 | $ - | $ (48,169.15) | $ 17,249.99 | $ 1,997.15 | $ 2,393.14 | $ 1,913.84 | $ 3,581.10 | $ 2,113.67 | $ 1,981.36 | $ 5,363.04 | $ 3,434.76 | $ 5,621.30 | $ 3,236.76 | ||||
56 | 2054 | 71 | 39 | 36 | 100 | $20.77 | $ 4,981.35 | $ 1,698.39 | 962 | $ 71.16 | 68 | $ 4,839.03 | $ (52,703.91) | 4 Nights Beach Club Studio (68 points) | $ 19,516.83 | $ 2,116.98 | $ 2,536.73 | $ 2,028.67 | $ 3,795.97 | $ 2,240.49 | $ 2,100.25 | $ 5,684.83 | $ 3,640.84 | $ 5,958.57 | $ 3,430.97 | ||
57 | $ 97,956.39 | $ 38,778.09 | |||||||||||||||||||||||||
58 | $ 44,678.29 | ||||||||||||||||||||||||||
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