PREMIUM BOND THREAD

[Blondeshavemorefun]

Thought better start new one as last one almost full

Let’s hope we win big November for Christmas

Yes, that's definitely an added bonus Clickncollect - albeit a bonus I'm still waiting for.

3 x £25 on £46K

How much has everyone won in the last 12 months? £475 for me since Feb 21

I’ve had 0.3% in 7 months, so about 0.5% annualised. Not brilliant, but I think my savings account was 0.25%.

@VeganCow

3 x £25 on £46K

How much has everyone won in the last 12 months? £475 for me since Feb 21

£400

@VeganCow

3 x £25 on £46K

How much has everyone won in the last 12 months? £475 for me since Feb 21

£425 in the past 12m. I have full holdings now, but i didn’t a year ago.

Anyone know what day the small wins will likely be paid into a bank account?

It's usually about the 8th of the month I think?

@VeganCow. I have won £625 and DH has won £475 in 13 months, we both have maximum £50,000. The most I have won is 5 x £25 one month.

So it seems like the average is £400-£600 over the year for those holding maximum or almost?

£25 for me and £50 for DH this month. It's the first time he's won since last July on £25k investment.

I w just found this thread. How much to invest and what is the likelihood of winning?

VeganCow That sounds about right. I posted our figures earlier in the thread, but we won between £325 and £475 last year, and between £475 and £750 in 2020 (when the prize rate was slightly higher).

DaisyChains3 There's a probability calculator on the MoneySavingExpert website telling you how likely you are to win a prize. The more you invest, the more likely you are to win (obviously); if you only have a very small amount invested, e.g. £100, you're highly unlikely to win anything. I had £2 invested and won a grand total of £25 in 45 years, but now that I have maximum holdings, regularly win £25 (or multiples of £25, up to about £100) every month - although there are also months that I don't win a thing. My biggest single prize in two years has been £100.

@LuckyHedgehog

DaisyChains3 There's a probability calculator on the MoneySavingExpert website telling you how likely you are to win a prize. The more you invest, the more likely you are to win (obviously); if you only have a very small amount invested, e.g. £100, you're highly unlikely to win anything. I had £2 invested and won a grand total of £25 in 45 years, but now that I have maximum holdings, regularly win £25 (or multiples of £25, up to about £100) every month - although there are also months that I don't win a thing. My biggest single prize in two years has been £100.

Definitely the less you hold the less likely you'll ever win at all. A £1000 winner this month had the grand sum of £2 since 1958, bet they were shocked to win that 🤣

It was our first month of being entered. I won £50 on full holdings and DH won £25 on full holdings. We chose the option to reinvest but is that what happens if your holdings are full? I didn't think you were allowed to have any more than 50k

@MissVictoriaPlum it goes into your bank account

Exciting, I didn't know there was a thread.
I won my first £25 this month. I put in £3k in May and been waiting patiently.

Definitely the less you hold the less likely you'll ever win at all. A £1000 winner this month had the grand sum of £2 since 1958, bet they were shocked to win that

I got £5 of premium bonds as a christening present. They show up on my bond record as having been held since 1958, but this is a lie - 1958 is almost 20 years before I was born. So whilst it is fair to conclude that they’ve held the bonds for a long time, I’d take the 1958 date with a pinch of salt.

Nothing again this month. I’ve had £5k in for 6 months and have yet to win

Place marking ahead of the March draw.

@OublietteBravo

Definitely the less you hold the less likely you'll ever win at all. A £1000 winner this month had the grand sum of £2 since 1958, bet they were shocked to win that

I got £5 of premium bonds as a christening present. They show up on my bond record as having been held since 1958, but this is a lie - 1958 is almost 20 years before I was born. So whilst it is fair to conclude that they’ve held the bonds for a long time, I’d take the 1958 date with a pinch of salt.

Might the bonds have been transferred to you from a relative? I think some of my bonds are like this.

@BreakingUpWithMyPhone - nope. I still have the original paper bonds. They’re definitely dated 1976.

In the olden days you bought the bonds, and the issuing office applied a date stamp (and presumably sent the counter foil to some central repository). I expect NS&I just don’t have a record of precisely when the bonds were actually issued.

Time to get neatly excited Again

Feb is a short month. 4 days to go

I need a win this year - haven’t had one since Nov :(

I love these few days, I can spend time dreaming what I will do with a big win only had mine for 6 months and doing well so far though. 4 lots of £25.

I put quite a chunk in as it's money for my tax bill later this year. So would like a big win before then 😁