Viewing 23 posts - 1,721 through 1,743 (of 1,743 total)
  • It’s Premium Bonds draw day.
  • Caher
    Full Member

    £50

    joelowden
    Full Member

    Mrs JL…£150
    Me…..£50..
    Happy days.

    retrorick
    Full Member

    A reasonable £100 for me.

    johndoh
    Free Member

    Nothing for me yet again and just had to take some out to pay for a Glastonbury ticket so even less chance next month.

    jimmy
    Full Member

    Blimmin Eck, 3 prizes. £50 and 2x£100. What a time to be alive!

    TheGingerOne
    Full Member

    First month I’ve not won since before at least September last year. Won over £6k in total in that time so doing alright!

    thelawman
    Full Member

    £150 for me, and £75 for t’other half, so no complaints there.

    jimdubleyou
    Full Member

    Just the £50 this month, still making about 7.5% annually until the big one comes home 🤣

    donald
    Free Member

    ns&i won’t let me log on. I’m going to assume I’ve won the big one and they want to tell me in person.

    mrdobermann
    Free Member

    Never had a win yet! Not much in there but  I’m just putting a small amount each month. My first draw was January.

    mattyfez
    Full Member

    I think unless you invest at least 25k+ in premium bonds, your highly unlikely to get the same kind of returns you would in, say an ISA at a guarenteed 5%

    If you’ve already maxed out your ISA allowance for the year then putting money into premium bonds would start to make sense, if you are looking at paying tax on savings interest if the money would otherwise be held in a regular savings account.

    From the MSE calculator based on a 50k investment:

    Premium bonds at 4.4%
    Return of £1,950 (with average luck)

    Savings – This shows how much you’d get if you put your money in savings or ISAs:

    Top savings at 5.05%
    Return of £2,220 – Odds you’ll earn less with Premium Bond 70.4%

    Top cash ISA at 5.17%
    Return of £2,585 -Odds you’ll earn less with Premium Bonds 85.8%

    *remember though, with less than 50k in premium bonds, the chances of winning get smaller, say with only £1000 invested, over 1 year, with ‘average luck’, your return will be a big fat zero!

    https://www.moneysavingexpert.com/savings/premium-bonds-calculator/

    MrSparkle
    Full Member

    Only £25 this month. Rubbish.

    kayak23
    Full Member

    No chance of me ever having 50k spare so maybe I’m not their target market lol.

    Yeah, that kind to money I wouldn’t be using premium bonds. You’d be getting well over £150 a month at least even in quite a bog stand savings account.

    Bloke I work with has had 50k in for about a year.
    6k he’s had back so far. 😳

    thepurist
    Full Member

    I’d expect that anyone with 50k in PBs also has ISAs, savings accounts etc – so they’ll make more sense in that sort of portfolio.  They’re virtually zero risk, generate a moderate but not amazing tax free return and have the (remote) possibility of doing far far better

    Anyhow, nowt for me after a good run over the last few months.

    StirlingCrispin
    Full Member

    Nothing for me – for the second month :/

    mattyfez
    Full Member

    Bloke I work with has had 50k in for about a year.
    6k he’s had back so far.

    Well, thats the gambling aspect…he got very lucky…if the MSE calculator is correct you can only really expect about a £1900 yearly tax free profit on 50k with ‘average’ luck – you may well get less.

    I suspect over time, many years, it will avearge out at about £1900 per year, all other things being equal.

    kayak23
    Full Member

    Yeah but this is Kev we’re talking about.
    Kev has the Midas touch 😂

    bear-uk
    Free Member

    £250 for me with £50k invested

    antigee
    Full Member

    Went to check as I thought had withdrawn some a few years back but screenprint in file said otherwise…anyway found out I hadn’t so balance better than expected …but wtf had to create an additional pin and the confirmation phone call comes from Lille in France !!!!!! First time assumed a random spam call but it left message something like to “listen again press star”

    Hit resend code and yep triggers a call from France

    slackboy
    Full Member

    remember though, with less than 50k in premium bonds, the chances of winning get smaller, say with only £1000 invested, over 1 year, with ‘average luck’, your return will be a big fat zero!

    This is my experience. Had £2k in since June and not won anything. I’ve withdrawn it this month to pay off a credit card instead

    I did notice a couple of lucky beggars in the last big prize breakdown. Someone with a £300 holding that they invested in December 2023 won £100k!

    Kramer
    Free Member

    It’s not really a sensible place to hold money for more than the short term unless you’ve maxed out all your other allowances.

    gravedigger
    Free Member

    £350 this month, £50k invested

    sharkbait
    Free Member

    MrsSB: £250 on £30k which has only been in since January or February.

Viewing 23 posts - 1,721 through 1,743 (of 1,743 total)

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