Premium Bond Winner ?

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%

RedImp_2

£400 in total on FH, so happy with that, currently at 4.6% for calendar year.

El_Torro

One of my biggest ever wins this month: 2 prizes of £100 each. My holding has been about £28k this year (varies by month). 

Even with this big win my average for the calendar year so far has been just over 3% return. Not great, but still better than overpaying my mortgage.

Hal17

Thanks tr7phil, that was very helpful. I record my PB winnings against the current tax year.

Using your calculations, I am pleased to find that I am at 5.7% against a full holding over the last 6 months. Happy days.  Thanks again.

Lyncroft

First draw on £25k holding......got £200 (100+50+50)

Have increased to £50k holding.

TonyMMM

£725 on 2x full holdings today.... ( me £575, wife £150)......over 6.5% tax free return over last 12 months on 100k,  happy with that.