Monterey 238 SS Surf Package vs Triumph Bonneville T120: 5-year value retention (66% vs 66%), resale value, and cost of ownership head-to-head. Triumph Bonneville T120 holds its value better.
On five-year value retention the Triumph Bonneville T120 comes out ahead, holding about 66% of its value versus 66% for the Monterey 238 SS Surf Package. Over the first five years the Triumph Bonneville T120 loses roughly $4,815 while the Monterey 238 SS Surf Package loses about $33,621 — a gap near $28,806.
First-year drop is the biggest factor: the Triumph Bonneville T120 sheds about 12% in year one versus 7% for the Monterey 238 SS Surf Package. If you buy used, the steeper early drop is what the original owner absorbs.
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