Donate to Remove ads

Got a credit card? use our Credit Card & Finance Calculators

Thanks to ExFM,ErroneousBee,GSVsowhat,Shelford,Hypster, for Donating to support the site

Premium Bonds

XFool
Lemon Half
Posts: 5733
Joined: November 8th, 2016, 7:21 pm
Been thanked: 595 times

Re: Premium Bonds

#362074

Postby XFool » December 2nd, 2020, 11:05 am

Well, I've won £100 (4 x £25) on max holding. So there! :D

Total winnings for the year amount to a 'simple interest' return of 1.35%.
Still seen nobody beat my eight £25 prizes in February 2019! That year amounted to a 'simple interest' return of 1.7%.

Laughton
2 Lemon pips
Posts: 231
Joined: November 6th, 2016, 2:15 pm
Has thanked: 18 times
Been thanked: 65 times

Re: Premium Bonds

#362093

Postby Laughton » December 2nd, 2020, 11:36 am

1 x £25 for me and 2 x £25 for Mrs L (both on max holdings) so I guess that with the reduced odds this month that's slightly better than average.

OldPlodder
Posts: 20
Joined: October 28th, 2020, 2:03 pm
Has thanked: 20 times
Been thanked: 37 times

Re: Premium Bonds

#362225

Postby OldPlodder » December 2nd, 2020, 2:14 pm

Today's winnings brings us two on a return of 1.4% exactly for 2020. Getting close(ish) to maxed both, reinvested.

And as you might guess, Mrs has had a better year, yet again! I keep telling her that I am keeping my powder dry for the big one...It is a dead cert, but I might not live long enough, as it would take serious scientific progress and I might get bored after all living for millennia(also having serious doubts that our planet will make it that long in an habitable fashion anyway, the way we are trashing it as a species...)!

So pretty much bang on expectations at 1.4% for the year, a rare event looking at our last twenty odd years for which I have our PBs records, showing 2.16% overall yearly rate of return over the period(did not bother before that). Still a poor return overall, and way below inflation overall of course, but, like many I suspect seen as 'safely parked near enough cash', relatively easy access if needed, plus the 'flutter' element.

Good job our stock market and business investments did better, but hardly a challenge to better PBs if you are prepared for the 'uneven' ride.

Plodder

AleisterCrowley
Lemon Quarter
Posts: 4853
Joined: November 4th, 2016, 11:35 am
Has thanked: 1329 times
Been thanked: 1367 times

Re: Premium Bonds

#362280

Postby AleisterCrowley » December 2nd, 2020, 4:03 pm

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

This year has been dismal- looking at 0.58% unless I've won something this month
(Holding as of today c£12,800 all prizes reinvested)

thebarns
2 Lemon pips
Posts: 133
Joined: November 4th, 2016, 12:56 pm
Been thanked: 74 times

Re: Premium Bonds

#362290

Postby thebarns » December 2nd, 2020, 4:17 pm

4 family maximum holdings, all bought early this Summer.

Every one a winner in December, however that was made up of 3 £25 and 1 £50, which has been the smallest amount of total family monthly winnings to date, so the reduction in prize payouts appears to have correlated in this particular month.

staffordian
Lemon Quarter
Posts: 1389
Joined: November 4th, 2016, 4:20 pm
Has thanked: 826 times
Been thanked: 384 times

Re: Premium Bonds

#362295

Postby staffordian » December 2nd, 2020, 4:24 pm

This month was the first eligible for prizes since I upped my holding from a low three figure sum (which netted me 2x £25 over about four years) to just over £15k.

Needless to say, my anticipation of huge prizes, well, any prize actually, was misplaced...

Roll on 1st January for my first big win :D

didds
Lemon Quarter
Posts: 3134
Joined: November 4th, 2016, 12:04 pm
Has thanked: 1459 times
Been thanked: 504 times

Re: Premium Bonds

#362651

Postby didds » December 3rd, 2020, 5:04 pm

Top news!

2 wins... £25 and .... (drum roll) ... £500! - on max holding
and Mrs didds won £25 on 25K. That's been upped considerably recently so her holding in effect is "up" next month (albeit lower payouts etc etc of course)

didds

AleisterCrowley
Lemon Quarter
Posts: 4853
Joined: November 4th, 2016, 11:35 am
Has thanked: 1329 times
Been thanked: 1367 times

Re: Premium Bonds

#362684

Postby AleisterCrowley » December 3rd, 2020, 6:35 pm

£500? Splendid!
That'll pay for Christmas. Which has been cancelled this year in case you missed the memo.

Ermm..have you ever considered attending a Lemon Fool London Social?
We're a friendly and generous lot, which is the behaviour we expect from new attendees ;)

didds
Lemon Quarter
Posts: 3134
Joined: November 4th, 2016, 12:04 pm
Has thanked: 1459 times
Been thanked: 504 times

Re: Premium Bonds

#362699

Postby didds » December 3rd, 2020, 7:34 pm

Its certainly paid for Mrs Didds' christmas present anyway! top timing!

yorkshirelad1
Lemon Slice
Posts: 348
Joined: October 5th, 2018, 1:40 pm
Has thanked: 75 times
Been thanked: 95 times

Re: Premium Bonds

#363580

Postby yorkshirelad1 » December 6th, 2020, 9:25 pm

Just done some quick sums on four family holding that I look after.

Figures show 2016 and later, after the last/most recent limit rise (June 2015) in the permitted max holding and the last change to any of the holdings.
Holder E's prizes skewed (in a nice way) by two £1k prizes in 2016
I can't beat XFool's 8 prizes in one month: that's impressive!
2020 was overall an average year (1.3%), the same average figure for all holdings over the 5 years noted
I can't see any difference in age of holding, or batches of numbers; based on the above, the best return is buy and hold for a long time.


WrongLicence388
Posts: 30
Joined: November 11th, 2020, 9:40 pm
Has thanked: 45 times
Been thanked: 20 times

Re: Premium Bonds

#373280

Postby WrongLicence388 » January 5th, 2021, 8:50 am

2x £25 prizes on a max holding this morning.

C.

swill453
Lemon Quarter
Posts: 4703
Joined: November 4th, 2016, 6:11 pm
Has thanked: 417 times
Been thanked: 1644 times

Re: Premium Bonds

#373282

Postby swill453 » January 5th, 2021, 8:52 am

£Zero on a combined holding of about £60,000

Scott.

Mike88
Lemon Slice
Posts: 660
Joined: November 4th, 2016, 6:17 pm
Has thanked: 82 times
Been thanked: 153 times

Re: Premium Bonds

#373303

Postby Mike88 » January 5th, 2021, 9:26 am

1x£25 on max holding for me.

Bouleversee
Lemon Quarter
Posts: 3361
Joined: November 8th, 2016, 5:01 pm
Has thanked: 797 times
Been thanked: 585 times

Re: Premium Bonds

#373306

Postby Bouleversee » January 5th, 2021, 9:29 am

£50 on max.

How do I get my holder number to be remembered on this new site as it was on the old one?

DrFfybes
Lemon Slice
Posts: 856
Joined: November 6th, 2016, 10:25 pm
Has thanked: 75 times
Been thanked: 363 times

Re: Premium Bonds

#373317

Postby DrFfybes » January 5th, 2021, 9:55 am

They say I won nothing on 15k this month, but I don't believe them.

There are thousands of illegally drawn numbers for cashed in or misprinted bonds that should be discounted and once that has been taken into account it will become clear that I have won.

Paul.

MaraMan
Lemon Slice
Posts: 329
Joined: November 22nd, 2016, 3:30 pm
Has thanked: 103 times
Been thanked: 150 times

Re: Premium Bonds

#373349

Postby MaraMan » January 5th, 2021, 10:28 am

1 x £50 prize on a £25K holding. At least this year starts with a glimmer of light.

MM

absolutezero
Lemon Slice
Posts: 607
Joined: November 17th, 2016, 8:17 pm
Has thanked: 42 times
Been thanked: 118 times

Re: Premium Bonds

#373377

Postby absolutezero » January 5th, 2021, 11:09 am

£50 on a full holding and zero (again) on an £8,500 holding,

didds
Lemon Quarter
Posts: 3134
Joined: November 4th, 2016, 12:04 pm
Has thanked: 1459 times
Been thanked: 504 times

Re: Premium Bonds

#373393

Postby didds » January 5th, 2021, 11:42 am

after a £500 win in December, nothing this month for either me or Mrs didds!

yorkshirelad1
Lemon Slice
Posts: 348
Joined: October 5th, 2018, 1:40 pm
Has thanked: 75 times
Been thanked: 95 times

Re: Premium Bonds

#373406

Postby yorkshirelad1 » January 5th, 2021, 12:10 pm

Just out of curiosity I did a quick back of fag packet summary by year purchased of this month's (Jan 2021) winners from https://www.nsandi.com/prize-checker/winners. Just an illustration, no conclusions drawn by me, and it would certainly have to be adjusted for the number of bonds in circulation for the purchase year.


GrahamPlatt
Lemon Slice
Posts: 593
Joined: November 4th, 2016, 9:40 am
Has thanked: 251 times
Been thanked: 189 times

Re: Premium Bonds

#373413

Postby GrahamPlatt » January 5th, 2021, 12:24 pm

https://www.aish.com/atr/Effort_versus_ ... n_God.html

“I heard a joke about a man who wants to win the lottery. Each week he prays to win, and after many weeks go by, he finally complains to God, "Why haven't I won?" Replies God, "You should have bought a ticket."

“Though of course, don't go out and buy a whole stack of tickets. Because if God wants you to win, one ticket should be enough.”


Return to “Bank Accounts Savings & ISAs”

Who is online

Users browsing this forum: No registered users and 2 guests