Premium Bond Winner ?

strawb_shortcake

MACKEM99 said:

strawb_shortcake said:

£125 on max holding, the last 12 months puts me at 3.05% not bad but could have been better I guess. 

On the plus side hubby and I get our final Help to save bonuses this month, next years holiday fund sorted.

Help to save for someone with 50k premium bonds?

Yes, I had legacy tax credits when I opened my HTS account. I'm happy to admit it's not right, but I wasn't going to not take it up out of principles. 

Hoenir

BooJewels said:

Hoenir said:

Jan - £250
Feb - £200
March - £550
April - £150
May - £25
June - £75
July - £75
August - £300
September - £125

YTD - £1,750

50k holding

Annualised Yield 3.5%

One of us is getting the maths wrong (could well be me) - because I make your annualised yield to be more like 4.66%?  3.5% PA would give rise to an average monthly return of £145.83 (i.e. £1,750 for the full year) on full holding - and you're running at more than that - at £194.44 monthly average to date - for 9 months. 

BooJewels said:

Hoenir said:

Jan - £250
Feb - £200
March - £550
April - £150
May - £25
June - £75
July - £75
August - £300
September - £125

YTD - £1,750

50k holding

Annualised Yield 3.5%

One of us is getting the maths wrong (could well be me) - because I make your annualised yield to be more like 4.66%?  3.5% PA would give rise to an average monthly return of £145.83 (i.e. £1,750 for the full year) on full holding - and you're running at more than that - at £194.44 monthly average to date - for 9 months. 

I might not win anything in the next 3 draws. 

jak22

Just 25 on full after a 50, 3.25% over 12months - 3.5% to be expected and only going to get worse with any rate drops.

onomatopoeia99

£125 on £26k.  £1250 over the last 12 draws, which is around 4.7%.

yasl7

£75 on one FH and nothing on another

Wheres_My_Cashback

2 x £50 on FH

£1350 for 2024 ,a poor 2.7% so far, hopefully that will rise, however the rolling 12 months is somewhat better at £2675 / 5.35%

Sarahspangles

OH hasn’t had a win on full holding since June, he’s now on 2% rolling return over the last year. I’m on 3.6%. I guess someone has to be under the average return….. 

ChasingtheWelshdream

BooJewels said:

The £1 holder that won £25k mentioned above was from 1960. Plus another won £5k with a £4 holding from 1978.  I hope these long term holders get their money and have kept up to date with their NS&I accounts and contact details.  

Can I ask about this please? My husband has had a bond from birth and to our knowledge has never won anything. We can’t find the paperwork to check the numbers online, but the contact address is still valid, as it his parents home.  The paperwork is around in the house somewhere, I just can’t remember where I’ve stashed it. 

Would NS&I automatically contact him should he win?

Hal17

BooJewels said:

Hoenir said:

Jan - £250
Feb - £200
March - £550
April - £150
May - £25
June - £75
July - £75
August - £300
September - £125

YTD - £1,750

50k holding

Annualised Yield 3.5%

One of us is getting the maths wrong (could well be me) - because I make your annualised yield to be more like 4.66%?  3.5% PA would give rise to an average monthly return of £145.83 (i.e. £1,750 for the full year) on full holding - and you're running at more than that - at £194.44 monthly average to date - for 9 months. 

Can you help me with how you work the maths out please. 

tr7phil

Hal17 said:

BooJewels said:

Hoenir said:

Jan - £250
Feb - £200
March - £550
April - £150
May - £25
June - £75
July - £75
August - £300
September - £125

YTD - £1,750

50k holding

Annualised Yield 3.5%

One of us is getting the maths wrong (could well be me) - because I make your annualised yield to be more like 4.66%?  3.5% PA would give rise to an average monthly return of £145.83 (i.e. £1,750 for the full year) on full holding - and you're running at more than that - at £194.44 monthly average to date - for 9 months. 

Can you help me with how you work the maths out please. 

1750/50000 = 3.5%
But we've only had 9 out of 12 draws so far so...
3.5/9 = 0.388
0.388 * 12 = 4.66%