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Mark | Need advice on premium bonds ? |
I have been investing money into premium bonds every month for the last two years , I have had a poor return on it , only 150 pound wins in two years , However I am aware that the odds are 24000 to 1 , so does this mean as soon as I get 24000 pounds (numbers) in the premium bonds I should recieve at least the minumum prize of 50 pound each month ?, Has anybody got 24000 pounds or more invested in premium bonds and what are your winnings like ? Is it worth it or would it be better in a saving account ?.
Thanks |
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Polo
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Odds don't really work like that. You could have 20,000 bonds and not win anything for years, or you could have 100 bonds and win every month. |
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skipper
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When you flip a coin and it comes up "tails" (1 chance in 2), if you flip the coin a second time will you get a "head"? |
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Tim D
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Some of the previous answers seem to miss the point of Premium Bonds. Sure, someone can have £100 worth for 30 years and never win a penny - but it's also possible that someone can buy £100 now and in three months' time, win £1m.
The main advantage of Premium Bonds over other investments is that any winnings are tax free. Once you take that into account, the average return that they provide looks a whole lot more attractive. Speaking as someone who holds the maximum number of bonds possible (£30,000 each for my other half and me) I can vouch for the fact that we get a regular flow of 'letters from Glasgow'. Almost always £50 wins, but we have had some bigger ones - and there's the excitement each month of hoping that there will be a knock on the door from Mr Million!
I would caution you not to believe anyone who says that you are better off selling any old bonds you hold and buying new ones on the basis that new numbers "seem to be more successful". This fundamentally misunderstands the whole basis of number selection employed by National Savings. Basically, what happens in real life is that there is a computer which spits out random number combinations (or as near to truly random as a computer can generate) some of which are true numbers that match bonds, and others of which are not. The number combinations are then compared against the list of bonds until all the prizes have been allocated. So there is absolutely no way in which any one number has a better chance of winning than any other number.
Finally, please note that National Savings controls the average rate of return on Bonds as a whole by adjusting the number of prizes offered each month relative to the number of Bonds in circulation. This does not (so far as i know) make any allowances for unclaimed prizes (the so-called "Ernie's Missing Millions").
Good luck! |
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zyberianwarrior
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well the problem with bonds in the UK is that the Bank of England is raising interest rates. That is why you are struggling right now. Which is also teh reason why you diversify your assets buy some stocks (BHP looks pretty good) start making money for a change. |
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zanthus
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I have no idea what the heck premium bonds are. However, just because the ODDS of something happening are 24,000 to one, it DOESN't mean that ONCE you invest 24,000 you will be a winner !!! |
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Barking mad
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I was given £100 pounds worth of premium bonds in my grandpas will, that was in 1965, never won a penny. Put your cash in high interest account at building society, Nationwide is good at the moment. |
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5yellowchips
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They are almost certainly not worth it, the rate of return is below that of a savings acc.
If you are a high rate tax payer and have filled your ISA and may need access to the money soon (so can't invest in pension or shares or property) then they may be worth while but remember they are not entered into a draw in the same month as they are purchased so an acc paying 1/12th less interest after tax would be a better investment and would guarantee a return. |
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Tina UM
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Alot of this is luck..not a good investment idea unless you plan on winning though you get a full return back... |
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katerschenko
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There is always a chance of winning the big one and unlike the Lottery you still have your original stake. Keep your bonds. |
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saki
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Dont give up because next time you might win the big win keep them if i was you tax free but if you put in a saving account you have to pay tax |
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Isabelle
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My Dad won prizes regularly so i decided to try. I won nothing - what a disaster!
Try it and see. |
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Clint
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My wife and I have the max. £60k. This month we got £700 of prizes including one of £500. Last month we got 0. We probably only get less than 4% return annually but there is always the chance of a large prize.Although 'interest' is being gambled each month, with a large investment prizes are received almost every month. |
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guy-with-green-eyes
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I bought £30,000 worth in January last and have won £250,£200,£100,£150,£50,£100,£50 so far! |
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proud walker
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No, you can go months without getting anything even when you've got the full amount. Other people seem to be luckier and get two or three prizes each month.
Some people would advise you to withdraw all your bonds, and repurchase in one lump so the numbers are all together. |
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