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Premium Bonds
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- Lemon Half
- Posts: 5310
- Joined: November 4th, 2016, 12:04 pm
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Re: Premium Bonds
Looking back I won nothing at all for 14 months between March 2018 and May2019, on 11.5K of holdings.
Since then £250 in th last 7 months on between 16K and 46K
I'll have a better feel in 2020 over a year and I'll be at full holdings then.
didds
Since then £250 in th last 7 months on between 16K and 46K
I'll have a better feel in 2020 over a year and I'll be at full holdings then.
didds
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- Lemon Half
- Posts: 6385
- Joined: November 4th, 2016, 11:35 am
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Re: Premium Bonds
The first 2/3 of the 2019 were good, then nothing for four months!
Ended up just short of 2% return on ~£12.6k
Longest drought for me : May 2013-Mar 2014
Ended up just short of 2% return on ~£12.6k
Longest drought for me : May 2013-Mar 2014
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- The full Lemon
- Posts: 12636
- Joined: November 8th, 2016, 7:21 pm
- Been thanked: 2608 times
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- Lemon Half
- Posts: 6139
- Joined: November 4th, 2016, 1:12 pm
- Has thanked: 1589 times
- Been thanked: 1801 times
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- Lemon Half
- Posts: 6139
- Joined: November 4th, 2016, 1:12 pm
- Has thanked: 1589 times
- Been thanked: 1801 times
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- Lemon Quarter
- Posts: 4654
- Joined: November 8th, 2016, 5:01 pm
- Has thanked: 1195 times
- Been thanked: 903 times
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- Lemon Half
- Posts: 5310
- Joined: November 4th, 2016, 12:04 pm
- Has thanked: 3295 times
- Been thanked: 1034 times
Re: Premium Bonds
PinkDalek wrote:£25 only this month, full holding, February 2020:
https://www.nsandi.com/prize-checker
the prize checker thingy app says nIve also won £25, but no email notification yet...
didds
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- Lemon Quarter
- Posts: 4654
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- Lemon Quarter
- Posts: 1422
- Joined: November 5th, 2016, 10:53 am
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Re: Premium Bonds
Bouleversee wrote:That takes rather longer.
And if you wait for the postman to deliver a letter - remember them? - it typically arrives mid-month.
Watis
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- Lemon Quarter
- Posts: 3576
- Joined: November 5th, 2016, 10:30 am
- Has thanked: 1 time
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Re: Premium Bonds
Before I learnt of the online checker I used to occasionally get the e-mail to say I'd won a prize. I'd collect my e-mails at work but wasn't inclined to use my personal log in details to check until I was at home. In those days there was Schrodinger's millionaire time, I knew I'd won a prize but had no idea how big until I got home to find it was £25, as it always is.
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- Lemon Slice
- Posts: 969
- Joined: November 4th, 2016, 6:17 pm
- Has thanked: 112 times
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Re: Premium Bonds
My return over the last 12 months equates to 0.5% on an £18k holding. Better than the previous year when my bonds achieved around 0.1%. Nothing again this month. As I'm a glutton for punishment I have invested a further £5k which will be eligible for the March draw taking total holdings to £23k. Go figure.
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- Lemon Half
- Posts: 6385
- Joined: November 4th, 2016, 11:35 am
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Re: Premium Bonds
That's pretty unlucky
My returns on c £12500 have been;
year return
2019 1.98%
2018 2.02%
2017 1.43%
2016 0.83%
2015 1.68%
2014 1.28%
My returns on c £12500 have been;
year return
2019 1.98%
2018 2.02%
2017 1.43%
2016 0.83%
2015 1.68%
2014 1.28%
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- Lemon Half
- Posts: 6139
- Joined: November 4th, 2016, 1:12 pm
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Re: Premium Bonds
AleisterCrowley wrote:That's pretty unlucky
My returns on c £12500 have been;
year return
2019 1.98%
2018 2.02%
2017 1.43%
2016 0.83%
2015 1.68%
........
Using the last 5 years (£990ish?) and https://www.moneysavingexpert.com/savings/premium-bonds-calculator/:
With £12,500 in Premium Bonds, if you have average luck you would expect to win roughly £750 over 5 year(s)
You are lucky - only 15.4% of people who have put £12500 in premium bonds over 5 years win more than £975.
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- Lemon Half
- Posts: 6385
- Joined: November 4th, 2016, 11:35 am
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Re: Premium Bonds
I won £109 on the Lotto on Saturday too - for a £14 'investment'
Do ya feel lucky, punk ?
[my balance at start of 2014 was £11761, and all prizes reinvested]
Do ya feel lucky, punk ?
[my balance at start of 2014 was £11761, and all prizes reinvested]
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- Lemon Half
- Posts: 7989
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Re: Premium Bonds
I won a £100 prize this month - first time ever I've won anything other than £25 prizes.
(Holding is currently £13K as I cashed some in for a house purchase).
Scott.
(Holding is currently £13K as I cashed some in for a house purchase).
Scott.
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- Lemon Half
- Posts: 6139
- Joined: November 4th, 2016, 1:12 pm
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Re: Premium Bonds
flyer61 wrote:£150 on an £80K holding. Like the previous poster unusually a £50 prize.
As previously and to avoid any confusion, you can't have an £80,000 Premium Bond holding individually. The current limit is £50,000 per individual. You may be aggregating your Family's holding.
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- 2 Lemon pips
- Posts: 103
- Joined: November 4th, 2016, 9:07 am
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Re: Premium Bonds
I'm feeling like ERNIE doesn't like me. I have three samples that I'm monitoring. All £50K holdings...
Mother: Holder since Nov-15
All-time average win: £51.44
Last 3 Wins : £75 - £0 - £100
Mrs Tet: Holder since Nov-19
All-time average win: £56.25
Last 3 Wins : £75 - £25 - £75
Me: Holder since Aug-19
All-time average win: £17.85
Last 3 Wins : £0 - £0 - £0
Regards
Tet
Mother: Holder since Nov-15
All-time average win: £51.44
Last 3 Wins : £75 - £0 - £100
Mrs Tet: Holder since Nov-19
All-time average win: £56.25
Last 3 Wins : £75 - £25 - £75
Me: Holder since Aug-19
All-time average win: £17.85
Last 3 Wins : £0 - £0 - £0
Regards
Tet
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- Lemon Slice
- Posts: 481
- Joined: May 11th, 2017, 8:33 pm
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Re: Premium Bonds
On a £35000 holding I've won between £25 and £100 (once) for 27 out of the 29 months since I purchased them.
Return over the past twelve months has been 1.7% so a minuscule above interest rates.
However I live in hope of a good win sometime.
Return over the past twelve months has been 1.7% so a minuscule above interest rates.
However I live in hope of a good win sometime.
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- The full Lemon
- Posts: 12636
- Joined: November 8th, 2016, 7:21 pm
- Been thanked: 2608 times
Re: Premium Bonds
Oh dear!
Blow for 21million Premium Bond holders as NS&I wields the axe - with HALF as many people winning £50 and £100 prizes from May
This is Money
We will have to see what the effects are for the £25 prizes. More details here:
Expected return on maximum current holding now 1.15%
(12 * 50,000/26,000) = 23.08
23 * 25/50000 = 1.15%
Blow for 21million Premium Bond holders as NS&I wields the axe - with HALF as many people winning £50 and £100 prizes from May
This is Money
We will have to see what the effects are for the £25 prizes. More details here:
The cuts reduce the effective prize fund rate of Premium Bonds, which do not pay interest, to 1.3 per cent a year, and the odds of any one bond winning a prize from 24,500 to 1 to 26,000 to 1.
Expected return on maximum current holding now 1.15%
(12 * 50,000/26,000) = 23.08
23 * 25/50000 = 1.15%
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