Premium Bond Winner ?

ColdIron

Simple confirmation bias I'm afraid. Have you checked that it's the new bonds that are winning?

Although equally logically fallacious - have you considered that it may be the frequent selling and buying that is causing the barren spells?

beedeedee

Oh no - it's never the new ones that win. It simply seems to jolt things along with existing ones. No I have no explanation - only offering up what happens to me.

pimento

My PC (on all three browsers) is still only showing the Oct 13 draw.

beedeedee

Go into your nsandi account. Not just the Premium Bond numbers/winners. It'll be there if you've won along with your total holdings.

Mr_K

beedeedee wrote: »

£25 again for me! If I have a barren spell (say 2/3 months)- I sell some and then buy back. Always, always I win. So although folk say numbers don't have any bias - just try it and see......somehow it always works that I win. Not big amounts mind.....but these £25 once or twice a month all add up.

Mmmm, I find that if there's a full moon with a week of the draw I always win aswell

The nature of the random draw means you might win nothing for a few months, then win might several prizes in one momth

The fact is even if you average 2 x £25 'wins' a month on the max. £30K holding, it's still less than the rate of inflation so its really a loss.

Ologhai

Mr_K wrote: »

The fact is even if you average 2 x £25 'wins' a month on the max. £30K holding, it's still less than the rate of inflation so its really a loss.

There isn't much that isn't a loss in real terms, at least not without risk.

I have a few quid's worth of PBs, and to date, my IR is 1.18% (and because PBs are tax free, that'd be the equivalent of 1.48% for an ordinary rate tax payer). That compares pretty favourably with instant access savings accounts at present.

pimento

beedeedee wrote: »

Go into your nsandi account. Not just the Premium Bond numbers/winners. It'll be there if you've won along with your total holdings.

Yes, I did that. No winnings that I can see. I have the maximum holding so the prize (if I had won) wouldn't be added to the total.
This is the first month I have had the maximum. I had hoped for a win.

ColdIron

Ologhai wrote: »

my IR is 1.18% (and because PBs are tax free, that'd be the equivalent of 1.48% for an ordinary rate tax payer). That compares pretty favourably with instant access savings accounts at present.

But pretty poorly compared to a guaranteed 3% (or taxed 2.4%) in an interest paying current account

beedeedee

pimento wrote: »

Yes, I did that. No winnings that I can see. I have the maximum holding so the prize (if I had won) wouldn't be added to the total.
This is the first month I have had the maximum. I had hoped for a win.

I'm not sure what would happen now then - obviously they couldn't add it to your max holding - I guess they'd contact you or send a cheque or something? Anyone know?

nilrem_2

Still showing October as this month when I check!