do DVC points depreciate much?

...or appreciate?

If we bought a villa (Beach Club?) at $90 a point is there anyway to predict if in 5 years it will be worth more or less than 90?

If it's worth $90pp then the cost of ownership (excluding annual fees) is the lost interest on the initial investment.

If less, the CoO is interest + depreciation

If more, the CoO is appreciation - interest

What do you educated people think?

Thanks Dave

DVC points are points that will maintain their value in future years. I would think they would go up in price in coming years .... the same is not true for most other point systems. Are you thinking of buying resale or from the developer? You could possibly find DVC points for sale for cheaper than $90 pp if you researched the internet.

Having said that, I would never buy DVC points to trade (too expensive) ... I would buy DVC points to use.