Premium Bond Winner ?

SnowMan

SnowMan said:

£100 'win' on £1,000 holding

Quality (of holding) over quantity is important

With average luck I can expect another £100 win once in the next 5 years

£100 'win' again this month on £1,000 holding after that previous £100 'win' in July. So as it happened didn't have to wait 5 years but 2 months instead.

Mrs_Z

A very respectable £275 for me on FH. 
Feared for a blank month but has been a fairly decent run for few months now.

Mr_Blue52

I would like join this thread. I have the maximum £50,000 in premium bonds and won £250.00 (2 x £25.00 & 2 x £100.00) this month. To date I have won 

Jan: £0.00
Feb: £250.00
Mar: £150.00
Apl: £200.00
May: £0.00
Jun: £100.00
Jul: £150.00
Aug: £200.00
Sep: £250.00

so £1,300 for the year to date. I look forward to the beginning of the month dreaming of winning the Jackpot but happy with a couple of hundred pounds.

Cressida100

Swipe said:

Can I make it 4 consecutive blanks in a row on the max holding?

OMG I feel for you. I keep waiting for a blank. Good luck next month!

pbryd

I'm having a great year

Jan - £75

Feb - £200

March - £150

April - £50

May - £75

June - £100

July - no win
August - £100

September - £150

£900 in prizes, holding £15,920

Swipe

Cressida100 said:

Swipe said:

Can I make it 4 consecutive blanks in a row on the max holding?

OMG I feel for you. I keep waiting for a blank. Good luck next month!

Well I got £550 this month so not so bad.

fredflower

Hi, I'm new to this thread and will never catch up with all that has been said so bear with me if I ask things that were answered previously.

I've just spent ages finally putting an Excel spreadsheet together to record my buys, wins and auto investments. I've numbered each block of bonds and when I've won I've highlighted which block won. I was beginning to think the reinvested bonds would never win, until some earned in Feb 2024 won in Aug 2024. Yay! 😁 

I started 2024 with £4475 and now have £5100 thanks to my wins.

Jan £0
Feb £500
Mar £0
Apr £25
May £0
Jun £0
Jul £0
Aug £50
Sep £50

What I'd like to do is calculate (easily! i.e. enter a formula and pull down for other cells) how my wins over time compared over time to savings, i.e. as a percentage.

I tried to rehash some calculations found on page 987 or thereabouts, but it got more complicated trying to incorporate the reinvestments and calculating month by month. My maths head has well and truly left the building for now (brain fog). 😫

Please can anyone help me? 🙏 

If you've read this far, thank you! 

llcomper

llcomper said:

My first ever win - £100 on a £580 holding! Very happy with that, I didn't expect to win anything with such a small holding.

I've been just adding spare change (£30 or so) each month for the thrill as an alternative to throwing my money away with the lottery

Unbelievably I won again this month, premium bonds must be like buses! A £50 win on an £840 holding this time. I've probably used up all my luck now!

SnowMan

fredflower said:

Hi, I'm new to this thread and will never catch up with all that has been said so bear with me if I ask things that were answered previously.

I've just spent ages finally putting an Excel spreadsheet together to record my buys, wins and auto investments. I've numbered each block of bonds and when I've won I've highlighted which block won. I was beginning to think the reinvested bonds would never win, until some earned in Feb 2024 won in Aug 2024. Yay! 😁 

I started 2024 with £4475 and now have £5100 thanks to my wins.

Jan £0
Feb £500
Mar £0
Apr £25
May £0
Jun £0
Jul £0
Aug £50
Sep £50

What I'd like to do is calculate (easily! i.e. enter a formula and pull down for other cells) how my wins over time compared over time to savings, i.e. as a percentage.

I tried to rehash some calculations found on page 987 or thereabouts, but it got more complicated trying to incorporate the reinvestments and calculating month by month. My maths head has well and truly left the building for now (brain fog). 😫

Please can anyone help me? 🙏 

If you've read this far, thank you! 

Because your winnings are being reinvested in premium bonds (I'm assuming) then something like this should work if you are looking for the annualised return from the start of the year to the end of each respective month (which is what you would use to compare with a savings account interest rate over that period). 

I've highlighted the only difficult formula for cell F7 (see the formula bar at the top) which can be copied up/down that column. 

Note the annualised return is quite high at 88.8% for month 2 because annualising assumes your good luck over 2 months is repeated for the following 10 months. After 9 months you've increased your capital by 14%, and 14% over 9 months is equivalent to 19% per annum.

fredflower

One thing I noticed on my NS&I online account is that there's no mention of my earlier wins. The wins were received as a cheque rather than my later ones that I set to auto reinvest, but surely they should still be showing on the system..? 🤔

I've checked previous paperwork against what is currently on my account and the holder's numbers match though the hole in data and no more wins for those bonds does make me wonder...

The paper record sent in 2011 when I bought more bonds shows the holder's number, but not an NS&I number. Is it possible to have multiple NS&I numbers?

Thoughts please.