Premium Bond Winner ?

refluxer

Looking back, I've had an overall return of 4.05% on a full holding this year which seems decent, considering the prize fund was 3% - 3.75% for the first 7 draws and 4% / 4.65% for the last 5.

That was mainly due to a decent (£700) win in January though. Monthly prizes ranged from £25 to £700 this year and there were no months where I didn't win anything, luckily.

4.05% is equivalent to 5.06% when taxed at 20% and, back at the start of January this year, the best easy access savings account was paying 2.86% (and didn't reach 5% until August) and the best 1 year fixed rate was 4.25%, both obviously potentially subject to tax.

I've not always been this lucky though and there are plenty of previous years where I didn't get near the amount I'd have liked, even taking into account the fact that you'd expect to win less than the stated prize fund figure with 'average luck'.

Swipe

inflationbuster said:

£75 on FH.    

Premium bond	Returns
Invested	Total prize	Yield	Tax Year
£50,000.00	£1,000	2%	23-24
£50,000.00	£650	1.3%	22-23
£50,000.00	£425	0.85%	21-22
£50,000.00	£775	1.55%	20-21
£50,000.00	£725	1.45%	19-20
£50,000.00	£950	1.9%	18-19
£50,000.00	£450	0.9%	17-18

I don't think you'll be busting inflation with those numbers.

DPR87

£525 this month on FH

Total earnings in 2023 on FH £2725. 

Pretty decent 

El_Torro

Despite winning nothing this month my return for 2023 is 4.2% on an average holding of £26k. Can't complain, especially since all the winnings are tax free.

comeandgo

Husband has £300 and I have £50.  Both on full holdings.

pbcpdeveloper

1 x £100 & 1x £50 this month.
For the year, I have 33 wins which equals £2,050, a return of 4.01%. Best year ever for me on each metric, but given NS&I increased the return target this year not a surprise I suppose.  

Currently on a 13 month winning streak, (although my best is 27 months).
My monthly results for the year:

mr_sharma

£150 for me this month.

October - £425
November - £0

SandyN21

Gers said:

One lucky person has won £10k from a £2.00 bond bought in 1956.  There's always hope! 

And me....I've got 2 bought for me in 1957 from my godmother when I was a few months old 😃

Wheres_My_Cashback

Full holding

1 X 50
1 X 100
1 X 500

Only 1 blank month (Feb) for the year and a 2023 total of £2150 equalling 4.30% so overall that's pretty average, but becomes a lot better not having had to pay 40% tax on it !

Swipe

I'm so disappointed with my PB full holding returns that even the average ones posted on here look impressive