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Nothing yet again
£250 between the two of us this time around. I have now retired, irrespective of PB winnings supposedly being 'not enough to retire on' 😆
£25 on a full pot.. 🙁
£100 for me this month. This takes my interest to 3.1%. I was going to cash in and invest in a stocks and shares ISA, I might not now, at least it's inflation proof here.
£150 for me & £200 for Mrs dB, our 6 month totals are still way down on money in the bank though 😕
£25. Better than a slap in the face I suppose. Nothing for the last 3 months though.
Found out i had £10 in since 1981 that my dad presumed i was tracking, as he had never told me of their existence i was not.
Checked online, never won a penny
£250 for me and £50 for Mrs G
£200 - first win/interest this year - other than the 25 in february.
It's kinda pointless posting winnings unless you also state how much cash you have in the game.
I got £150 this month, but I have the maximum £50k in, for example, so my odds of winning 'something' are a huge amount more than someone who only has £5K in, for example.
My wife has a very old PB from the 70s. It's a paper one.
Does anyone know how to check if it's ever won a prize?
I think at some point they converted all the paper bonds into electronic. I know I used to have a couple but they are now part of my electronic holding. I can’t quite remember if this was done automatically.
My wife has a very old PB from the 70s. It's a paper one.
Does anyone know how to check if it's ever won a prize?
I used the app to enter all my old parents paper ones.
£100 😀.
Nothing at all for either me or Mrs Lawman this month, which is unusual.
£25. Looks like I can treat myself to a bacon sarnie along side my coffee today…
£25 here. Now significantly down on what I'd have 'won' on a fixed rate ISA. Bum.
Me £25
Mrs Zip £75
Mrs Zips mum £25 , so £125 on £150000. Not great is it?
Yet again - nothing.
£250.
£75 for me
£0 for Mrs
Early retirement on hold for another month.... again
Had £500 in for 20 months now and never won a bean. Figures really as I'm pretty sure I've never won anything - from a winning position I even came last in the sack race at primary school - tripped up within sight of the finish line..oh well, maybe next month...
Nothing. Might be time to put the money in my ISA instead
£150 total in the last 4 months.
96% of people would have had at least that amount according to the MSE calculator.
For the poster above with £500, over 2 years the expected return is.....£0!
https://www.moneysavingexpert.com/savings/premium-bonds-calculator/
So you're not unlucky, it's just that £500 doesn't really register, you need significantly more in there to expect any returns.
Yeah, I'd seen that, just wishful thinking that I'd have above average luck.
It's just somewhere to keep some emergency car repair money really, without the temptation to spend it.
Yet again - NOWT 🙁
Nothing. Might be time to put the money in my ISA instead
That really is a no brainer
Yep.. If you have allowance remaining... A guaranteed ~4.5% Vs what, just under 4% on Premium bonds *if* you have average luck..
Especially if you don't hold the full £50k in bonds, the odds get exponentially worse the less you hold.
I got £125 on 50k this month...
My stocks ISA made more than that just in the last week and that only has 20k in it.
I keep on at mrs g to move to ISA from PB but after a recent drought £675 this morning we might win 1m next month apparently 🤔 shes a keeper though xx
Another disappointing month, but plan on gifting cash to son so will stay where it is for now.
we might win 1m next month apparently 🤔
So 'might' a £1 scratch card... but when you look at the odds...
Completely forgot to check this month until saw this thread. £1,025 for me this month. So 5.5% year to date.
Completely forgot to check this month until saw this thread. £1,025 for me this month. So 5.5% year to date.
You don't say the value of premium bonds you hold though, so it's no use for a comparison. It could just as easily be 3% or less, it's just blind (good) luck you are on 5.5%
For example, I have 50k, I've been in for 6 draws now, and if I keep winning at about the same rate, it will represent a 6.8% tax free return over the year which is excellent, all considered, but the maths and statistics tell me I won't be winning nearly as much over the next 6 months.
Completely forgot to check this month until saw this thread. £1,025 for me this month. So 5.5% year to date.
You don't say the value of premium bonds you hold though, so it's no use for a comparison. It could just as easily be 3% or less, it's just blind (good) luck you are on 5.5%
Apologies. £50k. YoY £2775 prizes. Last month Yoy was £1925 or 3.85%. Maxed on ISAs for last year, should really shift a load in for this year, but will wait see surplus earnings I think.
Edit: missed your additional edit comment. Agreed. ISAs marginally better. But not by a huge amount & I just like the fun of the chance of a big prize (Didn't Martin Lewis say better chance of flipping a 50p and it landing perfectly on its edge?).
Tbf PBs made more sense during sustained low interest rates. Less so now.
Completely forgot to check this month until saw this thread. £1,025 for me this month. So 5.5% year to date.
You don't say the value of premium bonds you hold though, so it's no use for a comparison. It could just as easily be 3% or less, it's just blind (good) luck you are on 5.5%
Apologies. £50k. YoY £2775 prizes. Last month Yoy was £1925 or 3.85%. Maxed on ISAs for last year, should really shift a load in for this year, but will wait see surplus earnings I think.
Edit: missed your additional edit comment. Agreed. ISAs marginally better. But not by a huge amount & I just like the fun of the chance of a big prize (Didn't Martin Lewis say better chance of flipping a 50p and it landing perfectly on its edge?).
Tbf PBs made more sense during sustained low interest rates. Less so now.
True, and appetite for risk plays a huge part, too...
Just as a comparison, last month I got
Cash ISA (circa £40k) +£160
S&S ISA (£20k) +£260
£50k PB : +£150
200k in regular savings (fixed rate 90 day withdrawal clause) @ 4.8% = £810 - 20% tax (circa £162) = £648.
I'm basically making about £1200 per month at the moment just sitting on my arse.
Blimey! Good for you, thats a lot of cash invested. So whats the net of tax annual return % on each of the 4 comparisons please?
Blimey! Good for you, thats a lot of cash invested. So whats the net of tax annual return % on each of the 4 comparisons please?
My ISAs and premium bonds are all tax free... I only pay tax on interest over £1000 from my savings account. That should pay me about £7780 over the year (probably a bit less as its a variable rate, and I suspect the base rate will drop a bit) and i'll have to pay tax on that, so minus about £1556.
First month of myself and son with max Premium Bond allowance. Both won 150 quid...
Me £50
Mrs Zip £100
Mrs Zips mum £125
Our friend’s that won £100k won 5k in May. They have our winnings !
£75 on ³/⁵ of the max holding.
Sweet fa yet again, 3rd time in 10 months of holding max allowance, Nationwide 5% 18 month bond is looking more attractive...
£200 on 33k worth. Better than the past few months but not fantastic.
£100 on full pot, better than last month but still under £400 in total from 5 draws with max allowance.