Premium Bond Winner ?

Stargunner

5 prizes totalling £325 for me on a £35k holding, which gives me exactly £2000 for the year. I did have a max holding for the first 7 months. £75 for the wife on a max holding.

Nebulous2

Nothing this month. 

£1475 this year, holding has varied a bit from £35k down to £30k.  4.6% would be pretty close to actual return. 

becky_rtw

£200 for me on circa £48k (2 x 50 and 1 x 100)
£125 for OH on full holding (1 x 25 and 1 x 100)

Not bad all round. Need to total the year but have held differing amounts etc. so its complicated. 

Still be better off in fixed accounts, but need to wait until after Jan as we are holding some of the pbs as part of reserves to pay a tax bill if another payment doesn't come in in time. 

inflationbuster

£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

GlasgowExpat2

1 x £100 on £6,800 holding

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.