PREMIUM BOND THREAD

[Blondeshavemorefun]

tried to link this on old thread , but was 1000 :( so couldn’t

I didn’t win this month but did last month of £25 - let’s hope will next month :)

Nothing here either

Nothing here either 😒

Nothing here either.

£25 on £30k.
Still winning most months. Nothing yet to beat my £1k last year!

5 x £25, bringing our total since August to £225. Happy with that, as it's a better return than an instant access savings account, although a bigger win instead of more wee ones would be very welcome given that DH lost his job at the end of the year so unless a miracle happens and he gets another one quickly we're going to have to start cashing them in soon.

2 x £25 for me with max holding. Still waiting for DH and DC results to come through.

£25 on 30k for me. Second month in the draw and second time I’ve won £25.
Read about Agent Million last night, I had no idea this was a real job and it got my wondering how they’re doing it during the pandemic.

Another £25 month this week on £10k. Got a wee bit excited when it said the million pound winner was a woman from the West of Scotland - but it's not me.

Maybe next month.

@Dinosauraddict you’ll have to pick a treat for next month, I tend to do that each month but mine are various houses saved on Rightmove, my expectations are high

Just checked I've won £25 this month..that makes £400 since July.

Nothing here 😢

3 x £25 here on 38k holding.

£25 on £30,000

Worked out at 0.4% this year.

My AJ bell ISA has returned 27%

The benefits of diversifaction.

If this was my main savings plan, I woudl have lost money.

I just keep it in there all year, then take it out to pay my tax end of January.

@fromdownwest. that’s a great return! Do you get a new ISA each tax year? Excuse me if that’s a daft question, but I haven’t bothered with ISAs at all.

@leafygarden42

Yes, last year between January and September I only won 2 x £25 on a holding averaging around £20k before the £1k win in October.

£25 for me this month, same as November and December.

Nothing for 7 months in a row on £30k really is unlucky. Statistically you should have won between about 5 and 9 prizes in that time and even now the prize rate has dropped you should be looking at 2 prizes every 3 months approximately.

The Moneysavingexpert calculator states that the chances of winning nothing in 6 months on £30k is 1 in 184, so reasonably unlikely, but not impossible, as you have discovered .

You are sure you're checking the right numbers etc and all your contact details are up to date?

@BarbaraofSeville Thanks for replying - yup - certain that all my details are correct, as I'm busy saving and put something in each month..

I guess it works both ways - ie someone with say £3,200 in may win 2 months in a row, which is incredibly luck. Whereas I've just been incredibly unlucky.

We'll just have to see what next month brings

I just checked the account and we won £25 on £10000 holdings.I didn't receive any notification from them. Happy with the winnings as after 6 months of nothing I was getting worried that there was something wrong with our account!

Any idea how long it takes for the winnings to get paid out in the Bank Account?

Big fat zero for me today on £46k! I usually get between £25 and £75 per month so I’m feeling rather disappointed. Oh well - on to next month!

[quote leafygarden42]@fromdownwest. that’s a great return! Do you get a new ISA each tax year? Excuse me if that’s a daft question, but I haven’t bothered with ISAs at all.[/quote]
Yes, I max out my ISA's each year.

I have a simple low cost fund alongside some single company shares that I see value in long term dividend payments.

It is a very different beast to Premium bonds, if we spoke in July that return would have been negative.

Cash ISA's are pointless given your interest allowance each year.

I have Stocks and Shares ISA's as I am likely to have capital gains when I sell in the future.

@Clickncollect

Big fat zero for me today on £46k! I usually get between £25 and £75 per month so I’m feeling rather disappointed. Oh well - on to next month!

Seems to be quite common this month?

Unfortunately the likelihood of one winning depends on where you live, I can't remember why exactly but it depends on where you live.
More people in the South of England win... it explains on the website somewhere.
I've invested about 7 grand and won £50 once.

@Gogreengoblin

Unfortunately the likelihood of one winning depends on where you live, I can't remember why exactly but it depends on where you live. More people in the South of England win... it explains on the website somewhere. I've invested about 7 grand and won £50 once.

If there's any truth in that, it will only be because more bonds are owned by people who live in the south of England, which may well be true.

Each individual bond has an equal chance of winning. It does not matter how old the bond is, where the owner lives, or whether it is part of a small or large block.

The only reason why most winners seem to be holders of £50k bought quite reasonably recently and possibly in the south is that there are more bonds that fit that profile, so more likely to win. Just like you're more likely to win a raffle if you've bought 100 tickets instead of just one.

£25 for me, 2 x £25 for DD and nothing for DS this month (first time he's never won anything), all on maximum holdings.

£25 on £35k, not great but it looks like lots have had similar this month.