Premium Bond Winner ?

BooJewels

stripe123 said:

I'm interested that most folks seem to think premium bonds are not efficent savings.  I have £50K invested, I've knocked up a spreadsheet to ensure I get value for money, I've worked out that if I were to invest this £50k in a savings account offering 4.55% I would get (using compound interest) £2,128.10.  I ivested the money in January so I've not yet had a whole year of prizes to check against, but with one month left I've so far received £2,550.  The premium bonds have out preformed the interest savings by £421.90 so far . . . . and it's not taxable

I had a very good run for over 18 months - returning well over 5.5% on a rolling year and topped 7% a couple of times, with a maximum individual prize of £100.  But with the same holding, 2025 has been pretty dire for me.   5 blank months, only £25 a couple of times and I think only 1 month where I got more than one prize.  So my rolling rate is now only 2.6%.   My lucky streak just stopped.

So whilst it's lovely that you're having a good run, it is totally unpredictable and may not continue.  I set myself a rule that if the return dropped below the average of the returns I'm getting elsewhere, then they'd have to go - that's where we're at now.  Averaging my own out over the time I’ve had them, the return has been much the same as my other savings over the same period, so I haven't actually lost out,  but I'll make arrangements and cash most of them after the January draw.

solidpro

I won £26k this month. Single account maxxed out. Never previously won more than about £400 in one month. Held for about a year. Not sure what else to say. Putting it here so people know it's possible.

arthurdick

Bleeding brilliant, well done.

BooJewels

solidpro said:

I won £26k this month. Single account maxxed out. Never previously won more than about £400 in one month. Held for about a year. Not sure what else to say. Putting it here so people know it's possible.

That's fabulous - congratulations.  At least now I know who is getting my share at the moment.  Hope that you can do something worthwhile with it that brings you joy.

Arrietty

solidpro said:

I won £26k this month. Single account maxxed out. Never previously won more than about £400 in one month. Held for about a year. Not sure what else to say. Putting it here so people know it's possible.

Fantastic news - congratulations! 
Really pleased for you and this is why I struggle to let mine go .. you have absolutely got to be in it, to win it! 

brewerdave

Just worked calendar year returns for me and the OH on full £50k holdings - first year we have both had the maximum. .
My return was 3.9% - it's dropped from over 4% the last two months of the year; My wife's return was lower at  2.75% - all smaller prizes for both of us.
Shows the luck involved in the PBs.!

Readingmirror1_

I won £125.00 this month 
Two £50 bonds and one £25  bond
Not sure how long I have held the winning bonds but I automatically reinvest my winnings 
I have won nearly £1800  this year
Nearly every month I win something 

Middle_of_the_Road

solidpro said:

I won £26k this month. Single account maxxed out. Never previously won more than about £400 in one month. Held for about a year. Not sure what else to say. Putting it here so people know it's possible.

Fantastic. I’m guessing one big prize and few smaller wins. I think your news deserves a thread on it own.

Possibly this one-
https://forums.moneysavingexpert.com/discussion/6610667/premium-bond-higher-prize-winner

Just60

I won £125 in December, bringing the 2025 total up to £3200 on £46,600 at the end of the year.  So 2025 has been a good run.

fly-catchers

£225 on FH. Nice start to 2026! 🙂