Premium Bonds - Not a bean for months now!!!!
Discussion
solo2 said:
Just put another £460 into bonds taking my grand total to just £1488.
I'm an averagely paid single parent so I'll never reach the £50k max unless I randomly win big which is not impossible but unlikely.
£460 is more savings than some achieve and £1488 is a good amount, don’t be hard on yourself!I'm an averagely paid single parent so I'll never reach the £50k max unless I randomly win big which is not impossible but unlikely.
BlindedByTheLights said:
solo2 said:
Just put another £460 into bonds taking my grand total to just £1488.
I'm an averagely paid single parent so I'll never reach the £50k max unless I randomly win big which is not impossible but unlikely.
£460 is more savings than some achieve and £1488 is a good amount, don’t be hard on yourself!I'm an averagely paid single parent so I'll never reach the £50k max unless I randomly win big which is not impossible but unlikely.
bmwmike said:
BlindedByTheLights said:
solo2 said:
Just put another £460 into bonds taking my grand total to just £1488.
I'm an averagely paid single parent so I'll never reach the £50k max unless I randomly win big which is not impossible but unlikely.
£460 is more savings than some achieve and £1488 is a good amount, don’t be hard on yourself!I'm an averagely paid single parent so I'll never reach the £50k max unless I randomly win big which is not impossible but unlikely.
My brother and I have max holdings each and it's a running family joke that he outperforms me every month without exception. I decided to log this year for comparison. The one month he didn't have a decent win was March but still beat me.
Brother
Jan £100
Feb £225
Mar £50
Apr £600
May £200
Jun £425
Total £1,600
Me
Jan £75
Feb £100
Mar £25
Apr £175
May £150
Jun £125
Total £650
Brother
Jan £100
Feb £225
Mar £50
Apr £600
May £200
Jun £425
Total £1,600
Me
Jan £75
Feb £100
Mar £25
Apr £175
May £150
Jun £125
Total £650
.Analysis done on past 50 draws and the 100 millionaires created stretching back to May 2020 revealed that the average holding was £38,779, with 38 of the 100 newly made millionaires holding the maximum £50k. Smallest holding was £1,001 by a saver in Devon in Aug 2021.
Of the 1,639 winners of £100k over the 50 draws, average holding was £38,745. 774 or 47% had the maximum £50k holding.
Of the 3,270 winners of £50k prizes over the 50 draws, average holding was £38,741; 48% had the maximum £50k holding.
Of the 1,639 winners of £100k over the 50 draws, average holding was £38,745. 774 or 47% had the maximum £50k holding.
Of the 3,270 winners of £50k prizes over the 50 draws, average holding was £38,741; 48% had the maximum £50k holding.
Somebody said:
Analysis done on past 50 draws and the 100 millionaires created stretching back to May 2020 revealed that the average holding was £38,779, with 38 of the 100 newly made millionaires holding the maximum £50k. Smallest holding was £1,001 by a saver in Devon in Aug 2021.
Of the 1,639 winners of £100k over the 50 draws, average holding was £38,745. 774 or 47% had the maximum £50k holding.
Of the 3,270 winners of £50k prizes over the 50 draws, average holding was £38,741; 48% had the maximum £50k holding.
Interesting analysis thanksOf the 1,639 winners of £100k over the 50 draws, average holding was £38,745. 774 or 47% had the maximum £50k holding.
Of the 3,270 winners of £50k prizes over the 50 draws, average holding was £38,741; 48% had the maximum £50k holding.
18 months of a full pot.
Stronger first half of the year in 2024 than in 2023. If it continues at this rate it’ll be an improved return. Beats paying tax in a savings account but not much beyond that, good bit below the prize fund rate consistently though.
Big purchase coming up so not much time left in it to get lucky.
| Month | 2023 | 2024 |
| January | 150 | 150 |
| February | 0 | 150 |
| March | 25 | 100 |
| April | 150 | 100 |
| May | 75 | 100 |
| June | 25 | 200 |
| July | 150 | |
| August | 50 | |
| September | 100 | |
| October | 200 | |
| November | 175 | |
| December | 200 | |
| Total | £1300 (2.6%) | £800 (3.2%) |
Stronger first half of the year in 2024 than in 2023. If it continues at this rate it’ll be an improved return. Beats paying tax in a savings account but not much beyond that, good bit below the prize fund rate consistently though.
Big purchase coming up so not much time left in it to get lucky.
I went back further. Jan 2023 was the last time I got to have the monthly brag text 
More interestingly, it was Jan 2023 the last time one of us drew a blank. The previous year saw us draw a blank on 2 or 3 occasions.
More interestingly, it was Jan 2023 the last time one of us drew a blank. The previous year saw us draw a blank on 2 or 3 occasions.
| Date | Brother | Me | Result |
|---|---|---|---|
| Jan-23 | £0.00 | £75.00 | Higher |
| Feb-23 | £650.00 | £175.00 | Lower |
| Mar-23 | £50.00 | £25.00 | Lower |
| Apr-23 | £175.00 | £125.00 | Lower |
| May-23 | £275.00 | £225.00 | Lower |
| Jun-23 | £275.00 | £150.00 | Lower |
| Jul-23 | £150.00 | £50.00 | Lower |
| Aug-23 | £125.00 | £75.00 | Lower |
| Sep-23 | £250.00 | £200.00 | Lower |
| Oct-23 | £100.00 | £100.00 | Same |
| Nov-23 | £200.00 | £50.00 | Lower |
| Dec-23 | £150.00 | £50.00 | Lower |
| Jan-24 | £100.00 | £75.00 | Lower |
| Feb-24 | £225.00 | £100.00 | Lower |
| Mar-24 | £50.00 | £25.00 | Lower |
| Apr-24 | £600.00 | £175.00 | Lower |
| May-24 | £200.00 | £150.00 | Lower |
| Jun-24 | £425.00 | £125.00 | Lower |
| Total | £4000.00 | £1950.00 |
toon10 said:
I went back further. Jan 2023 was the last time I got to have the monthly brag text
More interestingly, it was Jan 2023 the last time one of us drew a blank. The previous year saw us draw a blank on 2 or 3 occasions.
With an £11k holding I managed 14 consecutive blanks from Nov21 to Dec22.More interestingly, it was Jan 2023 the last time one of us drew a blank. The previous year saw us draw a blank on 2 or 3 occasions.
Glad topping up changed my run of luck
toon10 said:
I went back further. Jan 2023 was the last time I got to have the monthly brag text
More interestingly, it was Jan 2023 the last time one of us drew a blank. The previous year saw us draw a blank on 2 or 3 occasions.
Out of interest…yes it’s al random etc etc.More interestingly, it was Jan 2023 the last time one of us drew a blank. The previous year saw us draw a blank on 2 or 3 occasions.
| Date | Brother | Me | Result |
|---|---|---|---|
| Jan-23 | £0.00 | £75.00 | Higher |
| Feb-23 | £650.00 | £175.00 | Lower |
| Mar-23 | £50.00 | £25.00 | Lower |
| Apr-23 | £175.00 | £125.00 | Lower |
| May-23 | £275.00 | £225.00 | Lower |
| Jun-23 | £275.00 | £150.00 | Lower |
| Jul-23 | £150.00 | £50.00 | Lower |
| Aug-23 | £125.00 | £75.00 | Lower |
| Sep-23 | £250.00 | £200.00 | Lower |
| Oct-23 | £100.00 | £100.00 | Same |
| Nov-23 | £200.00 | £50.00 | Lower |
| Dec-23 | £150.00 | £50.00 | Lower |
| Jan-24 | £100.00 | £75.00 | Lower |
| Feb-24 | £225.00 | £100.00 | Lower |
| Mar-24 | £50.00 | £25.00 | Lower |
| Apr-24 | £600.00 | £175.00 | Lower |
| May-24 | £200.00 | £150.00 | Lower |
| Jun-24 | £425.00 | £125.00 | Lower |
| Total | £4000.00 | £1950.00 |
Is your bond spread similar between you and your brother? Ie has one bought blocks and one smaller purchases?
BlindedByTheLights said:
Out of interest…yes it’s al random etc etc.
Is your bond spread similar between you and your brother? Ie has one bought blocks and one smaller purchases?
We got an inheritance so both put £50k in one go in the same month. I think his return is more on the better side of the scale from what I've seen elsewhere. If I look at my return, I've won £3075 in total which is 6.15% and averaging £83.11 per month. I've had 4 blank months since June 2021. The most I've got in any given month is £225. He's managed a £650, £600 and £425 this month which is great. Is your bond spread similar between you and your brother? Ie has one bought blocks and one smaller purchases?
It's all random as you say but interesting to see the differences with pretty much like for like holdings. I've seen a lot on here who have big holdings and have a lot of blank months for example.
I have, in the past, managed five consecutive months with nil return on max holding.
As the posts above suggest I just think some people are unlucky. I've always had a s
t return on PBs, never anywhere near the expected average rate of return even with max holding.
I like to believe it'll all come good with a massive win, but of course it won't ...
As the posts above suggest I just think some people are unlucky. I've always had a s
t return on PBs, never anywhere near the expected average rate of return even with max holding.I like to believe it'll all come good with a massive win, but of course it won't ...
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