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Premium Bonds

Laughton
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Re: Premium Bonds

#305266

Postby Laughton » May 3rd, 2020, 11:06 am

Wow! Results avaialble on NS&I wesbite on day after draw - usually seems to take 2 or 3 full days.

1 x £25 for me but 5 x £25 for Mrs Laughton, both on full holdings. Trouble is we're not allowed to go anywhere to spend it. :(

EssDeeAitch
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Re: Premium Bonds

#305581

Postby EssDeeAitch » May 4th, 2020, 1:22 pm

4 x £25 on £30,000 for me
1 x £25 on £50,000 for Mrs
2 x £25 on £15,000 for son
1 x £25 on £15,000 for daughter

A better month for this household

didds
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Re: Premium Bonds

#305616

Postby didds » May 4th, 2020, 3:28 pm

3 x £25 on 50K

yorkshirelad1
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Re: Premium Bonds

#305783

Postby yorkshirelad1 » May 5th, 2020, 11:29 am

Just for the hell of it, I did a quick back-of-fag-packet for the last 4 complete calendar years on 4 family holdings (total £180k)



(2016 was skewed by one lucky family member getting £1000 twice in one year)

Looks like 1% (or less) is the norm. Ho-hum

kiloran
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Re: Premium Bonds

#305792

Postby kiloran » May 5th, 2020, 11:48 am

yorkshirelad1 wrote:Just for the hell of it, I did a quick back-of-fag-packet for the last 4 complete calendar years on 4 family holdings (total £180k)



(2016 was skewed by one lucky family member getting £1000 twice in one year)

Looks like 1% (or less) is the norm. Ho-hum

Isn't the norm 1.4%, though with outliers down to £0 and up to £1M depending on your luck and timescale

--kiloran

AleisterCrowley
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Re: Premium Bonds

#305794

Postby AleisterCrowley » May 5th, 2020, 11:49 am

year RoY
2019 1.98%
2018 2.02%
2017 1.43%
2016 0.83%
2015 1.68%
2014 1.28%


Starting value @1 Jan 2014 c £11,760
End of 2019 c £12,890

3 x£25 2020 year to date

swill453
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Re: Premium Bonds

#305800

Postby swill453 » May 5th, 2020, 12:00 pm

kiloran wrote:Isn't the norm 1.4%, though with outliers down to £0 and up to £1M depending on your luck and timescale

The prize rate is 1.4%. Ignoring outliers like the £1M prizes, the expected return is something like 1.25% for a full holding.

Scott.

AleisterCrowley
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Re: Premium Bonds

#305805

Postby AleisterCrowley » May 5th, 2020, 12:07 pm

Guess I'm a lucky punk then. (Do ya feel lucky?)

Bouleversee
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Re: Premium Bonds

#305827

Postby Bouleversee » May 5th, 2020, 12:39 pm

No! (It seems I have to write at least 5 characters to post, which I now have done. :lol: )

XFool
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Re: Premium Bonds

#305874

Postby XFool » May 5th, 2020, 4:08 pm

kiloran wrote:
yorkshirelad1 wrote:Looks like 1% (or less) is the norm. Ho-hum

Isn't the norm 1.4%, though with outliers down to £0 and up to £1M depending on your luck and timescale

Not if 1.4% is the interest earned on the Bond Fund - it sounds like that is the figure currently reported in newspapers etc. as the "interest" you will earn on Premium Bonds. It isn't (leaving aside the terminology!) as you can expect to receive less than this reported Bond Fund rate. The exact rate you can expect in a year depends on how many bonds you have. This is an effect of the bond returns to holders being quantized via the prize system.
Last edited by XFool on May 5th, 2020, 4:14 pm, edited 1 time in total.

kiloran
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Re: Premium Bonds

#305876

Postby kiloran » May 5th, 2020, 4:13 pm

XFool wrote:
kiloran wrote:
yorkshirelad1 wrote:Looks like 1% (or less) is the norm. Ho-hum

Isn't the norm 1.4%, though with outliers down to £0 and up to £1M depending on your luck and timescale

Not if 1.4% is the interest earned on the Bond Fund - it sounds like that is the figure currently reported in newspapers etc. as the "interest" you will earn on Premium Bonds. It isn't (leaving aside the terminology!) as you can expect to receive less than this reported Bond Fund rate. The exact rate you can expect in a year itself depends on how many bonds you have. This is an effect of the bond returns to holders being quantized via the prize system.

Yes, I agree. I wasn't trying to suggest that everyone should get the 1.4% (or whatever) each year. It's a game of chance, and I imagine the 1.4% for an individual would only apply as an average over an infinite period of time.

--kiloran

XFool
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Re: Premium Bonds

#305877

Postby XFool » May 5th, 2020, 4:17 pm

kiloran wrote:Yes, I agree. I wasn't trying to suggest that everyone should get the 1.4% (or whatever) each year. It's a game of chance, and I imagine the 1.4% for an individual would only apply as an average over an infinite period of time.

--kiloran

Yes agreed. Or at least long enough for a holder to win ALL available prizes! Or, in other words, realistically impossible. Unless by blind chance you do hit 1.4% in a year. But I always like to compare against a 'realistic' expected return, based on holding, rather than this frequently quoted headline rate.

XFool
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Re: Premium Bonds

#314331

Postby XFool » June 1st, 2020, 4:52 pm

Not a bad return!

Not a bad coronavirus punt: Saver grabs a 7,000% return after scooping £1m Premium Bonds jackpot from a February 2020 investment

This is Money

swill453
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Re: Premium Bonds

#314334

Postby swill453 » June 1st, 2020, 4:57 pm

XFool wrote:Not a bad return!

Not a bad coronavirus punt: Saver grabs a 7,000% return after scooping £1m Premium Bonds jackpot from a February 2020 investment

This is Money

I note from that article "... Bonds earning an average prize fund rate of 1.4 per cent annually. That blows all other easy-access savings account rates out of the water if you're feeling lucky".

I take issue with that. I'm "feeling lucky", but it rarely results in mega returns :-)

Scott.

Bouleversee
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Re: Premium Bonds

#314774

Postby Bouleversee » June 3rd, 2020, 11:54 am

3 x £25 this month on max. holding.

Mike88
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Re: Premium Bonds

#314777

Postby Mike88 » June 3rd, 2020, 11:58 am

3 x £25 on £23000 holding. Best month ever for me as usually I get nowt.

swill453
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Re: Premium Bonds

#314780

Postby swill453 » June 3rd, 2020, 12:10 pm

3 x £25 on £46k holding.

Scott.

PinkDalek
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Re: Premium Bonds

#314789

Postby PinkDalek » June 3rd, 2020, 12:41 pm

Bouleversee wrote:3 x £25 this month on max. holding.


Is this your year?

Zero for June 2020.

richlist
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Re: Premium Bonds

#314795

Postby richlist » June 3rd, 2020, 1:00 pm

Zero for us in June on £100,000 (Mr & Mrs) !

Bouleversee
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Re: Premium Bonds

#314797

Postby Bouleversee » June 3rd, 2020, 1:03 pm

PinkDalek wrote:
Bouleversee wrote:3 x £25 this month on max. holding.


Is this your year?

Zero for June 2020.


I'll let you know at the end of it. :)


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