Premium Bond Winner ?

Greta

£25 win on 20k. The first time I've won anything in nearly a year (which was also £25).

Class142

£25 on full holding this month.

Oasis1

[Deleted User] said:

redpete said:

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eskbanker said:

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eskbanker said:

[Deleted User] said:

Indout96 said:

getting a bit fed up now £15k holdings not had a win for 11 months now 

Sell and re-buy new bonds.

Hopefully a tongue in cheek suggestion rather than a serious one - deliberately missing out on a draw in order to do something completely futile obviously makes no sense....

As I was told when I suggested this before. I am being serious. The reality is, when I was not winning, I sold and purchased again, and then won. Even though in theory it should not make a difference, all I can say is, for me it did. And Missing out on one draw is worth it if you have lost for years and years.

The fact that the draws are random effectively means that half of those changing their bonds will have better luck than before and half will fare worse afterwards, i.e. the overall net effect will be neutral, but guess which half will be more likely to share their stories....!

If you'd bought the first batch on an even-numbered date and replaced them with a new set bought on an odd date, which were then less fortunate, would you conclude that bonds bought on an even date were luckier?

It depends if they win.

I would not suggest selling if you win on a regular basis, only if you have dire results over the year. Then you have nothing to lose unless you are extremely unlucky and happen to withdraw on the month you was going to win big. But I sell and buy PB on regular occasion depending on cash flow needs, so this could be the case every time you sell.

You do have something to lose, the chance of winning in the month you sell and re-buy.  Chances of winning next month are exactly the same whether you've won nothing for 5 years or won £1000 a month for the last 6 months, that's a fact, not a matter of opinion.

As I already stated, my experience suggests otherwise. That is my opinion. And you have repeated what I already said. Fact or no fact. I can only tell you what has occurred for me.

I am fascinated by your point of view here. Are there any other areas of life where you apply personal experience above 'facts'? E.g. Horoscopes? Alternative medicine? Vaccines? Religious beliefs?

Genuine question - not being facetious. You have every right to believe what you like and do what you feel is right with your money when it's not harming anyone else.

dwsjarcmcd

Well I've had a lovely surprise this month, £600 won on just over £30k (£500 plus 4 x £25).  Very nice indeed 

WillowLea1962

A good return of 4x £25 on max holding 

vickyholly

dwsjarcmcd said:

Well I've had a lovely surprise this month, £600 won on just over £30k (£500 plus 4 x £25).  Very nice indeed 

Wahoo amazing .

uss_tish

£100 for me highest win on max holding 😁

GalacticaActual

2 x £25 prizes this month (£50 total)

One from a £200 purchase in 1997 (total winnings £125/4 prizes)
The other from a £4,000 purchase in 2020 (total winnings £125/5 prizes)

Maximum £50,000 holding 

Swipe

cymruchris said:

Swipe said:

cymruchris said:

MrFrugalFever said:

It’s always too good to be true…..a fact of life!

It's why you see some people who grumble at winning £25 on a full £50k holding when others win 4 x £25 on a £10k holding (or something similar) - it's the luck of the draw (even if a number of theorists seem to believe that newer bonds have a better chance of winning than older bonds - or other such ideas...)

The only time I grumble is when I draw a blank on my max holding

Let's see if you're grumbling tomorrow 

£75 on max holding. Very happy with that.

Martico

NS&I website appears to be on a go-slow