UPDATE: Reviews section refreshed, redesigned, searchable: Go take a look
£25 for me
£75 Mrs zip and £50 for her sister. All full pots.
Rubbish really.
nowt for me 🙁
3 x £50. Rubbish.
First time ever a winner, I think I've got about £350 in it and won £100. It's only taken 45 years
£250.
First in a long while.
9th month of nothing. It's like my holding doesn't exist.
What's the advantage of Premium Bonds over chucking the cash at "find of your choice" tracker fund?
I've got ~£10k sitting doing nothing. Debating having a punt on PB or sticking it in a fund.
Premium bonds are cash savings not investments so a better comparison is to a cash savings account. Advantages are that they “interest” (winnings really) are tax free so if you pay tax on your savings interest then this is a way to avoid it. It is also guaranteed by the government so you WILL be able to get your money. Disadvantages are that you need a fair bit of money invested to make the probabilities work for you.
£125 on full pot
What's the advantage of Premium Bonds over chucking the cash at "find of your choice" tracker fund?
I've got ~£10k sitting doing nothing. Debating having a punt on PB or sticking it in a fund.
I may be mixing you up with someone else - but premium bonds are only available to UK residents.
PBs probably only really make financial sense after you've maxed out any ISA allowance etc, but the marketing temptation for premium bonds which attracts those who are not necessarily stressing about tax on interest is the small possibility of a big win. Funds can go down in value.
£175 !
£0 for my wife
£200 for me £275 for mrs zip.
A bit more like it.
£100. Rubbish.
A whopping £25 😲😭. I'll mull over my options but I think I'll shift back to a high interest account for the next few months then renter the premium bonds draw in December.
£100. Rubbish.
Better than zip, zilch, absolutely nothing...
Any spare cash is going elsewhere now & even with interest being taxed is performing better.
£200/FP
Nice one the zippykonas. We're a couple of hundred quid behind you this month - £125 for me & £150 for her. Better than June.
Mrs Zip's minted sister got £1100.
Nothing again. But it's a considerably smaller pot than most on here appear to have
I won £4.10 on the EuroMillions the other day (actually £1.60 profit once you take into account the cost of the ticket).
I did find my Premium Bonds and checked it, not won anything in years but it's a fairly minimal amount of Bonds anyway so not a surprise. Looking at the list of winners, a lot of them are holding £50,000 plus in PB.
Ours are performing worse and worse 😔is there any evidence that pooling our bonds into one bigger pot will increase our chances of winning?
£50 for me. Second poor month in a row
Me - zilch
MrsJ - 1050 - supersmug!!
Again, nothing for me, but only £10k holding. I think I might take it all out and then buy in again. Not a sausage since last October.
My brother's family (4x max holding) won nothing for months, then contacted NSandI with concerns they were "missing" from the draw. Were reassured that it was impossible to be missed out, but then started consistently winning. Coincidence?
Makes you think!
Well, quite a good return this month after the missus questioning why I have money in PBs. If this was every month I'd be very happy. So there!
£50 for me
£100 for my wife
I guess we'll have to carry on working
£325. Better than a kick in the baws.
£75 for me
£25 for mrs zip
£100 for mrs zips sister .
£175 for me 🙂
An unexpected £100 from 5000 entry tickets 😲
Moved all ours into one pot thinking that might improve our chances , sweet FA this month🤬 with a note from NSandI saying as ERNIE is light generated it's not possible to miss out any bonds .
As we took some out this month and moved some around something must have triggered this notice ? Give it until the end of the year then look again.
£175 for me, but a blank for MrsLawman this time.
Moved all ours into one pot thinking that might improve our chances , sweet FA this month🤬
I'm a believer that bigger blocks of cash might generate a better chance of winning. The math probably suggests otherwise, but I operate in the realm of mystical beliefs, guesswork and hope 😉!
Had 1 full calender month passed between depositing your cash and this month's draw?
I always deposit my cash at the end of the month so I only need to wait just over 35 days until it is included in the draw.
@retrorick yeah not quite a full calendar month by a few days but " transferred" from mine to wife's beginning of July . Be able to judge from next month I guess.
Finally! Well, hopefully not finally, but £25, the first return since October 2025!
Nothing last month, £150 this month.
2.1% "interest" in the last year.
I may be mixing you up with someone else - but premium bonds are only available to UK residents
You're correct, I'm outside the UK.
I would bung my sister the cash and have her open an account on her or my nephew's name.
I maxed out my ISA and SIPP in the years after leaving the UK.
I'm a believer that bigger blocks of cash might generate a better chance of winning
Obviously...
It's a numbers game, isn't it? The more tickets you have, the more chances you have of winning something.
2.1% "interest" in the last year.
Doesn't sound that exciting.....
No roadkill for me this month with a big fat £250.
Got £100 my first eligible month. I can expect this kind of thing every month right?
