Originally Posted by
TGK4LSU
I am a financial advisor and a lover over Disney. We looked at becoming a member a couple years ago. I ran the numbers and considered the sentimental value. It is definitely not a good investment. It is a way of prepaying your vacations, assuming you go to Disney every year. Financing the purchase is not a good idea. The worse thing you can do is take the money out of an earning investment and purchase a membership. You may be able to break even if the funds used to purchase the membership are sitting in a checking account earning nothing. However, if you have the money, your better off putting it into investments such as mutual funds. If you really like staying at deluxe resorts, the optimal thing to do is rent the points from DVC members rather than becoming a member. I have spoke to a couple DVC members and they say the same thing. Fortunately for them, they purchased their memberships years ago when the cost was much lower. Over the next 30 years, renting the points each year and investing the money that you would have used to purchase the memberships will leave much more money in your pocket.