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Premium Bonds

Discussing offers, rates and deals on suppliers
swill453
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Re: Premium Bonds

#455067

Postby swill453 » November 2nd, 2021, 10:03 am

Another reasonable month, £150 total from two full holdings.

Scott.

pje16
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Re: Premium Bonds

#455071

Postby pje16 » November 2nd, 2021, 10:10 am

One full holding
Nowt this month :roll:

absolutezero
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Re: Premium Bonds

#455126

Postby absolutezero » November 2nd, 2021, 12:38 pm

£25 this time on a full holding.
Winnings this tax year are currently 1.3% interest equivalent.

staffordian
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Re: Premium Bonds

#455140

Postby staffordian » November 2nd, 2021, 1:15 pm

One £25 prize this month. Fourth £25 prize since upping my insignificant holding to just over £15k late last year. Better return than many savings accounts, at around 0.67%

richlist
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Re: Premium Bonds

#455152

Postby richlist » November 2nd, 2021, 2:46 pm

£100 on £100K for us.
Last 12 months = 1.15%
Previous 12 months = 1%

Bouleversee
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Re: Premium Bonds

#455309

Postby Bouleversee » November 3rd, 2021, 12:32 pm

Zilch on £50k again. Haven't yet totted up the year's total (I do mine on the financial year) but it won't be very good.

I couldn't help noticing that a lot of the big prize winners were relatively new holders. Yes, I know it's all random but nevertheless.

didds
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Re: Premium Bonds

#455320

Postby didds » November 3rd, 2021, 1:11 pm

nada on my 50K, 4 x 25 on Mrs Didds 50K

didds
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Re: Premium Bonds

#455328

Postby didds » November 3rd, 2021, 1:34 pm

quick dsanity check

IF I buy PBs on 14/01/2022 they do not enter the draw until March draw correct? (or is it february?)
Last edited by didds on November 3rd, 2021, 1:48 pm, edited 1 time in total.

didds
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Re: Premium Bonds

#455332

Postby didds » November 3rd, 2021, 1:47 pm

in the past 12 months Ive earned in effect 1.8% though chiefly because I scored a £500 prize last december
Mrs Didds has only had a full holding since march, so counting winnings from May's draw, she has an extrapolated return of 1.3%

Since I've had a full holding my return has been ~1.4%

quite pleased with those figures overall thus far.

chas49
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Re: Premium Bonds

#455333

Postby chas49 » November 3rd, 2021, 1:58 pm

didds wrote:quick dsanity check

IF I buy PBs on 14/01/2022 they do not enter the draw until March draw correct? (or is it february?)


Yes - March.

Bonds become eligible for a draw one complete month after they are purchased. So in that case, on the first draw following 14 February 22 - i.e. 1 March 2022

XFool
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Re: Premium Bonds

#455341

Postby XFool » November 3rd, 2021, 2:27 pm

Bouleversee wrote:Zilch on £50k again. Haven't yet totted up the year's total (I do mine on the financial year) but it won't be very good.

I couldn't help noticing that a lot of the big prize winners were relatively new holders. Yes, I know it's all random but nevertheless.

Ah. But did you notice the big prize winners who were not new holders? It's all random, you know. :)

CryptoPlankton
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Re: Premium Bonds

#455359

Postby CryptoPlankton » November 3rd, 2021, 4:00 pm

XFool wrote:
Bouleversee wrote:Zilch on £50k again. Haven't yet totted up the year's total (I do mine on the financial year) but it won't be very good.

I couldn't help noticing that a lot of the big prize winners were relatively new holders. Yes, I know it's all random but nevertheless.

Ah. But did you notice the big prize winners who were not new holders? It's all random, you know. :)

Or all the new holders who weren't big prize winners? The majority of bonds have been bought since 2000 so you would expect more winning bonds from this century than last.

XFool
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Re: Premium Bonds

#455424

Postby XFool » November 3rd, 2021, 10:53 pm

This is Money

Mind-blowing facts
14. 394,007 Bonds bought prior to the first ever draw are still eligible to this day.

15. These 394,007 Bonds have won 103 prizes so far in 2021.

beseeinyou
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Re: Premium Bonds

#455520

Postby beseeinyou » November 4th, 2021, 10:32 am

This week marked a bit of history, my first ever win, a mighty £25 !

2 bonds from 1958, 1 bond from 1961, 1 bond from 1972 (all gifted to me by parents), 200 bonds from 2012 and 796 from 2018. You'd never guess which bond won, yes it was one of the most recent 2018 ones !

Beseeinyou

AleisterCrowley
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Re: Premium Bonds

#455535

Postby AleisterCrowley » November 4th, 2021, 11:11 am

beseeinyou wrote:This week marked a bit of history, my first ever win, a mighty £25 !

2 bonds from 1958, 1 bond from 1961, 1 bond from 1972 (all gifted to me by parents), 200 bonds from 2012 and 796 from 2018. You'd never guess which bond won, yes it was one of the most recent 2018 ones !

Beseeinyou

~ 80% of your holding is new bonds so not a surprise ! :-)

XFool
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Re: Premium Bonds

#455674

Postby XFool » November 4th, 2021, 5:23 pm

beseeinyou wrote:This week marked a bit of history, my first ever win, a mighty £25 !

2 bonds from 1958, 1 bond from 1961, 1 bond from 1972 (all gifted to me by parents), 200 bonds from 2012 and 796 from 2018. You'd never guess which bond won, yes it was one of the most recent 2018 ones !

Beseeinyou

I think we would! Based simply on your given numbers. :)

DrFfybes
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Re: Premium Bonds

#455690

Postby DrFfybes » November 4th, 2021, 6:44 pm

£25 each this month from 2 full holdings, after nothing last month.

Paul

didds
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Re: Premium Bonds

#455848

Postby didds » November 5th, 2021, 10:23 am

Theoretical :

what "happens" if somebodty fraudulently opens a second PB accouint and ends up holding > max holdings as a result?

eg

Mr X has full holdings via his bank account at bank A in Mr X's name

He opens a 2nd bank account at bank B in the name of Mr X2 (via whatever means to prove such )
Then opens a 2nd PB account via the name Mr X2 and bank B and deposits another max holding.

what "happens" with regard to Mr X2 holdings etc shoud he ever be discovered ?

(purely for research purposes for a daft satirical Xmas story im putting together)

didds

Allitnil
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Re: Premium Bonds

#455860

Postby Allitnil » November 5th, 2021, 11:03 am

didds wrote:Theoretical :

what "happens" if somebodty fraudulently opens a second PB accouint and ends up holding > max holdings as a result?

eg

Mr X has full holdings via his bank account at bank A in Mr X's name

He opens a 2nd bank account at bank B in the name of Mr X2 (via whatever means to prove such )
Then opens a 2nd PB account via the name Mr X2 and bank B and deposits another max holding.

what "happens" with regard to Mr X2 holdings etc shoud he ever be discovered ?

(purely for research purposes for a daft satirical Xmas story im putting together)

didds

On the specific question about the Mr X2 holdings, the following would presumably apply:

"Each person can hold up to a limit of £50,000. Any Premium Bond numbers that
go over the £50,000 limit are not eligible to win prizes. If a number beyond the
limit is drawn, and a prize paid in error, we have the right to reclaim it."

from https://www.nsandi.com/files/asset/pdf/ ... ochure.pdf

I would also assume that Mr X would be liable for prosecution for fraud.

DrFfybes
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Re: Premium Bonds

#455888

Postby DrFfybes » November 5th, 2021, 12:32 pm

didds wrote:Theoretical :

what "happens" if somebodty fraudulently opens a second PB accouint and ends up holding > max holdings as a result?


What happens is they send you a letter and a cheque for the older holding.

So, say you had been given PBs as a child, let's say you had £12 worth. Some 40 or so years later you go online to buy some more, but the system cannot link the 2 old accounts, despite your best efforts to phone and email them. Also you find you can only buy in £25 increments, so have £49975 in there, plus the orignal 12 listed against a different bondholder number.

Eventually you think "sod it" and top up to £50k. At that point they notice you have too many bonds and they send you the £12 back and delete the original bondholder number.

Paul


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