I've been pretty lucky with my bonds. Bought my first at the back end of 2020. I have been lucky and inherited some money so managed to get £37k in there for the start of 2023. By the end I had it up to £43k and in total for 2023 I came away with £1,550. Biggest win was £300 in November, with October being the only month I got nothing. First month of 2024 - zero! 😂 It's swings and roundabouts though. What I like is that it's easy to take it back if I need the cash. I keep telling my girlfriend that I'm going to get a knock on the door one day from Agent Million 😂. She tells me I'm dreaming, but hey someone has to win each month! Why not me?!

@marcse7en

2 ай бұрын

How long did you have to wait for your inheritance? I've inherited a house and money. My father died 17 months ago, and I've yet to see a penny, or even be allowed to move into my house!

@DRM1891

2 ай бұрын

​@@marcse7enI probably worded my initial comment badly. It's not that I have inherited following a family death. It's that a member of my family has given me some money, which they say was part of what I was due to inherit anyway. So they just quite literally transferred it to me. So didn't go have to go through a process I guess. Sorry to hear of your father. Hope you can get things worked out for you very soon.

If you have 50k handy, premium bonds are a no brainer at the moment imho. With savings rates as high as they are, you’ll end up paying a large amount in tax with 50k, especially as a higher rate tax payer. The fact all winnings are tax free for PB is the deciding factor for me. Plus that chance to win big. Even a 5k or 10k win would have a decent impact on my life. Just my 2c

@Cat8395

7 ай бұрын

Same !

@audie-cashstack-uk4881

3 ай бұрын

Not if you split it up between isa and non isa openable isa in March open a second in April max at 20k each then put 10k in the non isa and max out interest tax free

@thehallstar4642

2 ай бұрын

But 5% is 2500

I use premium bonds right now for emergency savings (I had to take it out but slowly putting it back in) I had £1000 in there and won £200. Felt like a massive win 😂

@ajc6373

7 ай бұрын

That is a massive win for £1k

@CandyKoRn

5 ай бұрын

20% return, yeah that's a massive win!

I've had 15k in since May and won £650 so far. Yet I know someone who's had 50k in since the beginning of the year and won nothing 🤷‍♂️

I've got 50k in and from May to October draw received £2200 in total which I'm happy with

I have maximum £50k in premium bonds . I win every month; usually £75-150 / month… I recon that’s just under the 3.48% quoted

My experience with premium bonds, have held for five years, started with 30k first year £1,550 plus a prize of £10,000, reinvested to £40k, this year with £40k 12 month winnings are £ 2,150 in total I think I must have been lucky but happy so far, I still keep my eye on interest rates though.

I've not long started my premium bond journey. I started buying almost a year ago. I've won nothing so far. But I have just under£1,000 in PB. I'm gonna continue building the amount up slowly over the next year or so.......good luck, everyone!! ❤

@PECKTHERECK

7 ай бұрын

Did you win anything this month?

@clivebaker9720

5 ай бұрын

wouldn't it be the case that its the opposite of drip feeding into investments to gain from pound cost averaging ... if you have the funds earmarked you may as well go for all in one go to increase your chances ?

@guitarsandcheesecake1632

5 ай бұрын

@clivebaker9720 a bit at a time feels like I've put nothing in

@clivebaker9720

5 ай бұрын

ok..can see that ....@@guitarsandcheesecake1632

I just opened with £100 in September and got £100 in the October draw.

@neilgodwin6531

7 ай бұрын

I've been waiting 46 years without a win, so congratulations!

@cboaustralia

4 ай бұрын

No way

@daviniarobbins9298

3 ай бұрын

Do you mean November's draw because if you put £100 in in September they not entered until November?

I've used PBs to avoid extra TAXABLE income on my emergency cash savings which otherwise would mean I'd go over the threshold and have to complete a tax return. The vast majority of my income is from S&S ISA, with taxable income maximised but deliberately kept just below the Personal/Savings Allowances/starting rate for savings; so no need to submit a tax return or pay income tax. I realise putting/sheltering £50k in Premium Bonds is a gamble, literally, but for me avoiding the hassle of doing a tax return is worth the risk of getting a below average return on the £50k emergency cash. In practice it's worked out as I've had an annual return from PBs of 8.7% over the years, tax free, but I realise this is purely down to complete LUCK and is likely to change. I admit I have to keep an eye on my taxable income/savings to stay below the tax threshold, but it's not that difficult and is much more satisfying than doing a tax return and paying tax!

@dayton8679

7 ай бұрын

Couldn't agree more

@lynnfisher4396

7 ай бұрын

@@dayton8679we are in an identical position too, absolutely agree.

Great video Andy. I have done fairly well over some years now with between 40-50k holding, I mean averaging 25-100 pound a month winnings, and the best 600 and 1100 over the last 3 months. So not bad. One thing you may or may not have mentioned was that it is always instant access, I move money in and out all the time. The money I hold in premium bonds is 'savings' I put there rather than with my bank. So returns compared to an instant access account are very good in my case. But as you said it is pure chance.

6 months £950 with maximum number of bonds

I've held an average of £25k in bonds since 2017. As an average I would win several hundred pounds per annum, however won £10,050 recently, and several hundred since the new year. 🤑

A £50 bond prize automatically reinvested into new bonds in January 2023 has already won me two further £100 prizes since May. I'm currently in my best run of wins ever, but not so long ago I went thirteen consecutive draws without even a single £25 prize.

My premium bonds provide me with a small passive income usually between £50-£300

My rate of luck is terrible. I would win nothing with 50k in bonds, I can't even get 3 numbers on lotto with Lucy dip twice a week. I have 2k in bonds

I’ve got 15k in premium bonds - it’s not the net worth of my savings but it’s a good chunk. I know deep down I really should move it out and put it in a 2-3 year fix for 6% - bonds are basically a con, and I don’t have enough in there to make it worth the effort. But it’s that chance of getting that big 200k hit that will allow me to pay the mortgage off - I do a job which involves 12 hours shifts both nights and days, it pays well but it’s terrible for me. I want to go for a promotion and get back to 9-5 (and recently achieved a qualification which will allow me to do that) but the promotion will actually be a demotion financially, with the economy in the state it’s in I just don’t want to risk it. The premium bonds are kind of my monthly ray of hope - this year I’ve made about £150 off of them so a fair way off target 😂

@jamiewright3901

7 ай бұрын

I have 50k in there and i’m still of the exact same opinion as you. But it’s mainly down to getting really poor results in the last 6 months despite the rate being higher, i’m now putting money into an Investment portfolio for long term growth

@CorrosiveCitrus

7 ай бұрын

This is what lotteries do, they prey on your hope, your emotions A tax on the poor essentially

@Dessan01

7 ай бұрын

@@CorrosiveCitrus Totally agree - instead of the money the lotto directly takes, premium bonds take away the earning potential of your money in interest, in exchange for a slim chance to win big money. The way I kind of see it though, what will I make in interest off that money in a year? Maybe £500 if I find a good rate? The money isn’t life changing, where as the money that is winnable in bonds would be.

@Kenny-on6ye

7 ай бұрын

​@@Dessan01Thats my view of premium bonds, it's like gambling without losing your stake! Win win!

@CorrosiveCitrus

7 ай бұрын

@@Kenny-on6ye only "win win" if you completely ignore opportunity cost/inflation

I've had the max in for 4 months - have won something each month, total £625.

Premium bonds is the best option if you are in the 45% tax bracket AND have maximised the ISA allowance. The other reason for doing bonds outside the above is if you think you are special (especially lucky) There are no other good reasons

@28bownser

2 ай бұрын

There better than a 2 quid lottery ticket 15:07

@marcusprice3199

Ай бұрын

Access to your money is good too.

I have held Premium Bonds continuously since September 1973. Over time, the amount invested has fluctuated but I have never touched my original bonds, bought with my first pay cheque. Throughout all these years I have won £0. I have never ever won a single penny. I even wrote to ask if I was still included in the draws a few years ago and was assured that I am. I expect that there are other people who have held bonds longer than me without winning but it feels like the odds of never winning anything in fifty years are probably similar to the odds of one day winning £1m! Here’s hoping!

in four months ive got back £950

I am on £900 in the last 6 months, tempted to move the money into a 5.50% isa but i like the chance to win big... i have had a £1000 prize 3 years ago

Should have added an extra month for the savings account calculation as you forgo one whole months gains while you wait.

Your study was over 6months. Not really conclusive. I have had far better rate of return. What Premium Bonds offers also is quick access to an emergency fund while also getting chance of 4.65 return /year.

@bangdobrich

7 ай бұрын

You forgot it's tax free too.

@llamudos9809

7 ай бұрын

@@bangdobrich Yes good point non isa saving accounts is going to get low rate tax payers 20% or higher rate 40-45% tax on profit.

@CorrosiveCitrus

7 ай бұрын

I wouldn't say premium bonds are ever good for an emergency fund when there are better rates from easy access cash savings -- your emergency fund is always going to be eroded by inflation, that's unavoidable, but with premium bonds, you risk losing the value even faster. Probably best used as a fun way to potentially win some tax free savings when you've already used up your other tax allowances (personal/isa/etc). It's a prize draw, so just treat it like that.

@llamudos9809

7 ай бұрын

@@CorrosiveCitrus With Sunak and Hunt raiding Savings and now ISAs i do not agree! at the moment PB are a safe bet.

@solverf2714

7 ай бұрын

​@@CorrosiveCitrus I understand the logic but the one thing premium bonds offers over a 5% interest savings account is the hope of winning big without ever parting with cash (directly)

I have a modest amount in Premium Bonds, and I won in November, December, January, and March. A total of £450. I've held bonds for 60 years, but from 1964 to the mid 90s, it was £3.

I put money into PB's not to get a better return than simply saving it, but just in the very very minor chance that I could win a decent prize. For me, I worked out what I spent (wasted) on the Euro Lottery which I've never won more than a couple of quid in many years of playing. I then extrapolated that into what I'd need in savings, and subsequently interest, to equal the amount I'd spent on tickets & put it into PB's instead. It roughly worked out at £7.5k & I'm annoyed I didn't do it sooner but hindsight is a wonderful thing. I might (should) put in more as I use up my savings allowance.

I jist put 50k in last month. I choose to do that as a gamble and because winnings are tax free. fingers crossed.

@Yaks-04

3 ай бұрын

did you win yet?

@marcusprice3199

Ай бұрын

How you getting on? I started at the beginning of the year. Got less than half max allowance so far, but building towards it. First eligible month won £125, second month got £50. Above the 'average' rate so far, let's see if it continues this month! Interestingly all three winning bonds so far came from the same £6k block.

I was gifted £54 in premium bonds when i was christened back in the late 60s. Over 50 years on i can report…..Never won anything 🤣🤣

@hardlines2635

7 ай бұрын

I can’t understand how someone can be so unlucky, if there is such a thing as luck. I have 5.000 in bonds, had them about five years, I’ve lost count of how many times I’ve won, small amounts but still wins, it makes me feel like I’m actually in the draw, if I went a year without a win I would probably cash them in. Also, don’t want to make you feel bad but I bought my bonds after I won 20, 000 as share of a works lotto syndicate, and it was my line that won.

@dave597

7 ай бұрын

This is a very common scenario "i was given £1 in premium bonds 50 years ago for my birthday", it's a nice gesture, but in reality it's like given a stub of a lottery ticket, at the end of the day it's a worthless bit of paper. The odds scale heavily towards amount invested. With £50, there is already a 1,000x less chance of winning compared to someone who has the full £50,000 invested, and even with that you don't always win every month either! The odds favour hugely a higher amount invested, not a longer time. So it's totally expected not to win even over a 600 month period. Then people use this as a reason to say "premium bonds are bad", in reality they had so little invested they never had a chance of winning anything.

@UKTonyMagill

4 ай бұрын

That's a useful comment, thanks.​@dave597

I invested in premium bonds not for the amount of interest, more for the fun of checking each month whether I've won anything. I suppose it's like people who do the lottery.

Ive held a £25 premium bonds since 1986 never won a single pound! 🤩

I started in 2018 but wonder if I should cash in my PB and buy bigger lots. Early on I bought a few lots of £5000. But for the past two years I have tried to outsmart Ernie by buying several lots of smaller amounts 3 times a month. So I have lots of £25, £100, £150 on standing order. My yearly return is around 3%. Guess I am fairly lucky winning a few quid almost every month.. Total invested £45K.

I decided premium bonds were worth a punt for the chance to win when the interest rates were low so although a fairly low chance of winning but the lost interest you gamble was fairly insignificant so i used them to put away money i didn't need each month. Built up a fair bit now (nowhere nr the 50k yet!) August-oct won 375 but Aug 22- april 23 i got something every month totalling 725 so doing ok. The recent increase in interest rates have made me adjust my thinking a bit and i have also chucked some in a years growth bond with nsi at 4% and another more recently at 6.2% and a regular saver at 7%. The regular savers about to finish and will prob buy more premium bonds with it, ultimately i like the chance of winning big and dare to dream!

For me, the best thing about premium bonds in using them for a Christmas club, and everyone likes the chance of a big win.

My return rate over the same six draws was 2.4%. To me that’s equivalent to 4% in a taxable savings account, so I’m okay with it.

I feel I may be one of the few cases where PBs make complete sense - though happy to hear people’s views: I have 50k premium bonds - I’m a higher rate tax payer knocking on door of additional rate this year (and I will be, as of next year), I have enough cash savings in emergency fund (in a high yield savings account) to exceed what I’m entitled to earn on savings tax free, I max out my ISA allowances by way of a S&S ISA each year, personally contribute 11% to pension (and employer contributes an additional 5%). Currently I’m a Central London renter (got a great deal longish term deal on a lovely flat) with an investment property in the North of England (where I’m from). The 50k in PBs is to be used for a deposit on a primary residence (which I’ll be purchasing 50-50 with a partner in the next 1-3 years) - which in part is why it is not invested. I do also love that little rush feeling of opening up the winnings - but consider the lottery a waste of money. I’ve won 850 pounds since June 2023 (100, 100, 125, 75, 450).

Thanks for this - you have made my mind up! I will chance the premium bonds instead of paying HMRC interest on my savings 🙂

I've been trying the £10000 experiment for the last 4 months and I'm up £175. So happy with it so far

@squibys2262

7 ай бұрын

What's the experiment? My first experience of bonds I bought in 1k and 2k batches. Sold that all now trying a big chunk.

@Pher1954

7 ай бұрын

Same as Andy Webb mentioned@@squibys2262

@intheplums

6 ай бұрын

​@@squibys2262what do you mean by 1k and 2k batches?

My wife and I both have the max amount and have have done quite well, it's rare to get nothing. I wouldn't go anywhere near Santander with savings.

I didn't understand if the interest rate was for a year or 6 months? Do you double the rate for the year to compare with savings?

It's just a holding account that allows you to play the lottery for free once a month with up to 50,000 tickets! 👌

@robertstallard7836

6 ай бұрын

EXACTLY the way to look at it!

I feel the last 6 months have been good for premium bonds. I'm at £525 and my neighbours have both won over £600. No complaints here.

Just won 5000 pounds this month from my child's account.🎉

Yes it is luck ……. however, you’re more likely to be lucky if you have a bigger stake! But what you say is correct, if 2 people have the same amount invested then they have the same percentage chance of winning. Spread your money is pretty good advice.

Can you do a premium bonds survey to get some big data on premium bonds earnings?

I wonder how many people hold the maximum £50k holding of P.B? A couple of years ago the figure was around 920,000 I believe.

@ChattyYas

7 ай бұрын

My friend had £50k in for years! He recently took it all out, as his returns had been abismal.... my other friend had £10k in for couple of years and in that time only won £100... she literally just took her money out the other week...it doesn't matter if you have a lump sum in there, it's still a gamble on luck...Really put me off

The £25 prize used to be £50. They changed it for some reason.

@tx5190

7 ай бұрын

It was due to the drop in interest rates. The prize money is funded by the collective interest made on the total cash invested. I believe average luck on £50k invested should return 8 x £25 wins pa or c £200 pa averaged over time. But were all in it for the big 2 prizes.

@chickenj90

29 күн бұрын

@@tx5190 On 50k? That's £2350 Per annum on average not £200

The real question is…. Is saver 2 single 😂👍

You need to split your bonds, only buy £10,000 lots at a time. If you buy £50,000 in one go all your numbers are in a row. This method does seem to work.

@robertstallard7836

6 ай бұрын

Myth, I'm afraid. It might seem like that, perhaps, but its no more relevant than betting for a team based on which treat your dog eats first. It's not like a raffle where all the numbers purchased are put into a hat and the winners are picked out. The system simply generates a random number and that is compared to all those purchased. If it's a match with one, then that's the first winner. If it isn't, then it's discarded and another random number generated, and so-on.

I have been very fortunate being entered into two draws so far: September: £300 October: £400 Hoping this trend follows into November

@PECKTHERECK

7 ай бұрын

I only got £25 this month.....£425 last month 😂

@robertstallard7836

6 ай бұрын

OK - sorry to have to do this, but send me some of your luck or I'll send the boys round to kidnap your hamster.

@intheplums

6 ай бұрын

​@@PECKTHERECKhow much do you have in premium bonds

@PECKTHERECK

6 ай бұрын

​@@intheplums 50k

Had a few since 1975 ,,,won loads of times 😊

I've had a really bad year with Premium Bonds. So far I've only had a return of 0.5%. I've had PB for many years and never had a year this bad, which is frustrating with the rate so high.

Afternoon:) thanks for your effort.

Did you consider money markets? I have 70k in CSH2

I’ve won £475 in 2 months since I bought £50k of PB. My wife has £50k worth and won nothing over the same period.

So for the same period with £ 50k worth of bonds ive had £ 775 back which is an interest rate of 3.1% but im a 40% tax payer so receiving this tax free is an added bonus

I watch several KZread videos on how to trade in the stock market but haven't made any head start because they are either talking some gibberish or sharing their story of how they made it and I do not want to make mistakes by taking risks in my own hands

@MaryOlson7

7 ай бұрын

@Christina-Gisela Wow that was easy, i found her website and left a message for her . i hope she reply me. thanks.

@Amelia-Elizabeth

7 ай бұрын

@@MaryOlson7 Bridget Mary Turow her trading strategies is working for me for more than a year now and I’m making good profit from the stock market and she's 100% honest, reputable and trustworthy

@jimdavies

6 ай бұрын

I'm on about 7% this year. Helped with a nice £1k win a few months back.

@MaryOlson7

6 ай бұрын

@@jimdavies Bridget Mary Turow , lookup with her name online.

I bought premium bonds as a child. I’m now 70 and never won a penny 😡

@mrexpress8002

Ай бұрын

You Plonker!

Premium bonds are another way of spreading your risk and should be a lot safer than money in stocks and shares and main a bank. The government keeps saying the first £85000 is safe but will there be enough money to honour this promise if the whole banking sector collapses?

3 x 50k. Past 6 months 1 = £950, 2 = £550, 3 = £1250. Not a massive return but not the worst. Roll on Friday 🤞🏼

I’m currently earning around £50 per month from the 5% at Tantem that was available briefly earlier this year. So I’m very happy with my return. I don’t think premium bonds would do better unless I was very lucky indeed.

@GA-tn3nv

7 ай бұрын

What is tandem?

@johnavery15

7 ай бұрын

Tandem is one of the new generation of online banks. FCSC backed so up to £85k protected by the government scheme.

@hardlines2635

7 ай бұрын

@@GA-tn3nva bicycle made for two.

@wayner1786

7 ай бұрын

​@@GA-tn3nv- Tandem is a digital/App based bank. No high street branches, no website accounts, App only.

In the 2000"s I bought the max Premium bonds and won the smallest prize every month, My wife done the same with the same result. After a year all winnings stopped. We switched to the Irish lotto with set same result. We then moved our accounts back to Premium Bonds. Same result. What is the one year limit?

My company in Portugal built a villa for a winner of PB's it paid the whole job, as we all know whatever you win or don't win your money is safe.

My question is: if investing the full £50k, is there any difference (or benefit) is making smaller payments to build up to the 50k max - I.e. are bond numbers provided sequentially as a lump sum purchase or randomly? Is there a benefit to having a more random spread of bond numbers?

I like the fun of premium bonds,to me that fun is probably worth £100 a year

Luck likely to average out over time so Person A *may* do better in the coming 6 months of draws

@chickenj90

29 күн бұрын

Not really how things work but tend to confuse unlikely scenarios with "likely" statistics which doesn't exist.

Do you have to keep buying premium bonds every month in order to win here and there?or do you just put say 10k and leave it there and wait to win?

@macsidia

7 ай бұрын

Nope you can buy bonds when you like, as Andy said in the video, each £1 bond has an equal chance of winning a prize.

We have £60k in Premium Bonds along with a mix of cash and ETF/Shares. Premium Bonds are by far the most exciting.

My parents have both one big each once in 2002 and the other in 2023. This is due to maxed out accounts and then buying the bonds in a block and not drip feeding money into the account and buying random single bonds.

I’ve won £225 from May and I don’t have the full amount in but working on it.😊

We've got 25k and done win every month but have had a few wins. Some months more than 1 prize. Most I think we've won is £150. Since July we've won £350

Hi Andy Thanks for your videos New here Is premium bonds a normal savings account?

This is the second video I have seen on here and I have not heard any one talk about other factors, like was the 50k bought in one lot, or would there be more chance if the 50k was bought in 5k lots spreading the numbers more widely.

I have had 15k in for the last 11 months and have got a total of £25 once 😢

£1025 over last 6 months on £50k. Works out to 4.1% which I'm happy with.

I’m definitely in the bad luck category. I’ve had 50k in for 4 years and the highest I ever won is £200 one month, never had more than that. On average I win over the year around £50 per month !!!

I’ve won £775 from may I’ve got the full amount you can save 🤓

@cboaustralia

4 ай бұрын

4% interest rate in savings gets you £2000 a year

@marcusprice3199

3 ай бұрын

​@@cboaustraliaPBs are gor those who don't mind a bit of risk. Payout may be above or below the average. What REALLY makes a difference long term is how they perform in the first year or two. If you're reinvesting your winnings into PBs then a few nice wins early in the year would give you extra chances for the rest if the year and potentially put you ahead of a savings account that paid interest monthly (if can even find one of those these days). It's a gamble though, and you're much more likely to not start the year with two above average months. It's a bit of fun without losing you're stake. It's not necessarily the best thing to do if £50k is everything you have to invest and guaranteed returns are important to you.

So, the rates of return you can expect is distorted by the few very large prizes. So, you should not expect to get the average return but lower (unless you win one of the big prizes). Imagine ten people invested equally each win £1 except for one lucky saver who gets £100. The average return is £109/10 eg £10.90 but only one person is going to get anywhere near this. Now, instead of 10 people, think millions of savers with on,y a relatively few big winners and you start to get the idea.

@ColinMaxwell-oc1ok

4 ай бұрын

Totally agree if you have less than ten k either move to a higher interest bank or building society maybe 5.5 pc or just spend it and enjoy the money...

just about to buy one its the last day of the month

Only worth it if your maxed out on ISA allowances, fixed rate bonds etc.....especially when theres 5.7% on offer guaranteed if you can afford to gamble about £230 in guaranteed interest for a Maybe win then go for it!

In my opinion you need 20k plus to win regularly on premium bonds, anything less is better off in an isa.

I got £1325 for the same 6 months. As a higher tax payer the tax free money is very worthwhile.

I've had £200 in premium bonds for 11 years and I have never won a thing

If I didn't have bad luck I'd have no luck at all!

In 2023, £40k in PB, won me total of £1050, = approx 2.5% return tax free

Are the odds better if you have it all in one lump ? Or spread out,

@fireflyrobert

4 ай бұрын

One lump

@marcusprice3199

3 ай бұрын

The odds are the same for each individual bond. The number generator is random. Two consecutive numbers are just as likely to be drawn as two numbers bought years apart. In % terms the likelihood of getting a greater or lesser return is increased the fewer bonds that you have. For example if you had £100 in premium bonds and won £100, that's a 100% profit. You are also far more likely to win nothing. The closer you can get to a maximum holding, the more likely you are to average out in the 3%-5% pa range.

@blackhurst98

3 ай бұрын

@@marcusprice3199 thought it was 1 in 24000 a guaranteed prize

My wife has had £25 twice in two years

Doesn’t account for one big win however, one £5K win changes all of it.

Yep had premium bonds for nearly 60 years never won a bean

@kaxar6954

7 ай бұрын

Cash some in and buy newer bonds.

@authorhelp4448

2 ай бұрын

71 yrs & nothing t all!

I had no luck for 1,5 year. Not happy

It's all to do with the law of probability. The longer you keep the 50k in the system, the more your winnings will converge with the mean.

Audio not the best on this video.

can only afford £1000 of Premium bonds and have had no payout for 6 years!

@chickenj90

29 күн бұрын

Not worth it unless you have like £12.5k+. £1k would be better in a high interest limited deposit account. Can get 7% some places with that much money, £70 a year.

£875 for last 6 months with 50k in but I buy and sell £500 each month to keep refreshing the numbers. As an Emergancy fund it’s a no brainer.

@warrenb243

4 ай бұрын

I’ve never thought about doing that refresh the numbers

It seems my parents win nearly every month. They have won reasonably big multiple times too, as in 1000 and above

Why buy lottery tickets when you can buy premium bonds and have your bonds in with a chance of winning each month or one can cash them in.

Premium Bonds are also one of the safest investments and your money is quickly accessible.

I’ve got £300 in Premium Bonds since January 2018. So Far To Date I’ve Had £0

Oops! Won a £1000 one in December, two £100s and two £25s. Now on 48k.

Over 20k in premium bonds here and not a single prize in the last 5 months when they supposedly increased the prize fund, I’m out, it’s clearly a scam ffs

@qed456

3 ай бұрын

are you sure they put your numbers in?

@dailaffin9066

3 ай бұрын

@@qed456 Does make me wonder, there’s no way of knowing is there - does anyone actually audit them to make sure everything is above board?

My son won a total of £650 last month......he has won a total of £5000 since 2020