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"Whats in Your Wallet?" (Reserve Fund)


TUG Member
Jul 20, 2005
Reaction score
Long Island, NY
Resorts Owned
Grande Ocean Platinum, 3 x Grand Chateau 3 Bedroom (annual, EOY Odd, EOY Even).,
Sorry.. liked that commercial

When I purchased the EOY Grand Chateau a few weeks ago, I came across information on the components that are in the reserve fund. Each component shows, the useful life in years, Estimated Replacement Cost, Estimated Remaining Useful Life, Beginning Funding Balance, % of Fund Balance over replacement cost and finally Age of Years.

Given the Reserve Fund makes up a large part of our MF, this is extremely useful information to know. The Chateau actually has it on the MVCI website. To get to your own timesahre
Click on Plan my vacation
Click on Explore the Marriott Vacation Club Resorts
Click on Continental US Resorts
Click on View Resort Page
Click on Week Owners

Many Marriott's do not have this information on this last tab. I never questioned the details around the reserve fee (over 20 years) and I never remember seeing it for the Monarch. Over the summer I attended a very a informative Monarch owners update meeting. It outlined work that needs to be done based on the age of the Monarch, the fact that being so close to the ocean has have some unique challenges and fire code changes that required the exterior doors replaced. This Grand Chateau reserve fund details had me curious so I reached out to get the information from the Monarch. When I did, in my opinion it seemed underfunded but never seeing it over time, this was a gut feel.

A few months ago we received a proposed budget that had a 6% increase (total MF 1285). A fellow tug member pointed out to me the actual new MF was 1385 MF and when I went to pay, he was right. This is a 13% increase. I have not seen the details yet but my guess is the extra money is going for the reserve fund.

I enjoy the Monarch being so close to the ocean and as it gets older, so do I so I can appreciate and understand the extra care funded by the reserve fund. I enjoy HHI in the summer and the Monarch specifically so while I wish it was less, I get it.

My point of bringing this up is everyone should know what makes up the reserve fund and how well funded it is. If you HOA doesn't provide it yearly, get it from them. Though it might be true, I can't believe I was the only clueless one.


Jul 26, 2006
Reaction score
Massachusetts and Hilton Head Island
Resorts Owned
Marriott Barony Beach and SurfWatch
I agree, those "Owners" tabs on the resort pages at my-vacationclub.com can be a goldmine of info.

At one time I remember a TUGger (GregT maybe?) was unable to access the tab while using a computer away from home, something about the security settings. Owners should be able to see the tab about halfway down the resort page - if you can't, try adjusting those settings or using another browser/computer.