Premium Bonds - Not a bean for months now!!!!

[G-wiz]

G-wiz said:

£1500 on 200k last month.
£900 on 200k this month.

Correct; me, wife, 2 kids.

[okgo]

Why don’t you give the kids a fighting chance of beating inflation

Some of the holdings on this forum are mental.

Anyway -

£225 on about £70k here

Edited by okgo on Saturday 3rd February 19:06

[Enut]

okgo said:

Why don’t you give the kids a fighting chance of beating inflation

Some of the holdings on this forum are mental.

Anyway -

£225 on about £70k here

Edited by okgo on Saturday 3rd February 19:06

I would think if the kids already have £50K each in premium bonds, they're probably going to be OK!

[Thin White Duke]

£100 for me on maximum holdings.

[towser44]

Sister got nil, first month on 2 x Max holding, so £100k. Someone asked her before Xmas what to do short term with just over £50k, she suggested they put the maximum in Premium Bonds, which they did, and won £10k on their first draw lol.

[Cats_pyjamas]

£100 on 25k for me. Not too bad.

[redrabbit29]

I wish NS&I wouldn't email 6 days late saying "you've won!"

It always gets me overexcited and then I realise I knew I had and it's £100. Not £1m as a stupid part of my brain first thought when I saw the email.

[crmcatee]

redrabbit29 said:

I wish NS&I wouldn't email 6 days late saying "you've won!"

It always gets me overexcited and then I realise I knew I had and it's £100. Not £1m as a stupid part of my brain first thought when I saw the email.

Turn off the email notifications.

[halo34]

Returns now way below on max holdings in an standard interest account.

£50 on max but that was 3-4 months of nothing beforehand.

[redrabbit29]

crmcatee said:

Turn off the email notifications.

But then I would have no reason to come on here complaining

[okgo]

halo34 said:

Returns now way below on max holdings in an standard interest account.

£50 on max but that was 3-4 months of nothing beforehand.

So move it?

Why do people moan every month on here. It’s a lottery people. You won’t always win. And the alternative is 5 clicks away.

[halo34]

okgo said:

So move it?

Why do people moan every month on here. It’s a lottery people. You won’t always win. And the alternative is 5 clicks away.

Because it helps other people have a think - wasnt a moan. Well aware of moving it !

[phil1979]

okgo said:

halo34 said:

Returns now way below on max holdings in an standard interest account.

£50 on max but that was 3-4 months of nothing beforehand.

So move it?

Why do people moan every month on here. It’s a lottery people. You won’t always win. And the alternative is 5 clicks away.

I have closed my max holding account, and moved it somewhere else.

Have gotten a ste return, and it winds me up like Fantasy Football does. I have flounced on both.

[CallMeLegend]

£400 on about £30k holding this month

[KobayashiMaru86]

First time my £20k holding was eligible for the draw and nothing. I will add more to the pot when I can so we'll see how it goes. Dad on a full holding was quite lucky, even winning after he died.

[P1Fanatic]

I have max holding but unless I win big in March I will need to withdraw around £9k to max out my ISA before tax years ends. Now wondering if any chance I can leave in PB for April draw and get it back in my current account in time to make a payment to my ISA by April 5th latest. Did someone on here mention that if you open some other NSandI account you can cash out PB’s to there immediately and then transfer same day or so to another bank account?

[redrabbit29]

P1Fanatic said:

I have max holding but unless I win big in March I will need to withdraw around £9k to max out my ISA before tax years ends. Now wondering if any chance I can leave in PB for April draw and get it back in my current account in time to make a payment to my ISA by April 5th latest. Did someone on here mention that if you open some other NSandI account you can cash out PB’s to there immediately and then transfer same day or so to another bank account?

I asked this same question on here about 2 weeks ago and also on Reddit. I heard the following:

1) If you have an NS&I current account (or normal account of some kind) you can get a quicker payment from premium bonds to there. Not confirmed or looked into this.

2) Even if you don't the way the days fall, if you select auto withdraw after next prize draw the money will be available for the April cut off for ISA

3) Forget all this and just withdraw the money in March and have it safe/ready to pay in.

I'm going for number 3. I just don't want the hassle and risk of missing the cut off. So in early March I'll withdraw it and pay it into my Vanguard ISA.

[P1Fanatic]

redrabbit29 said:

I asked this same question on here about 2 weeks ago and also on Reddit. I heard the following:

1) If you have an NS&I current account (or normal account of some kind) you can get a quicker payment from premium bonds to there. Not confirmed or looked into this.

2) Even if you don't the way the days fall, if you select auto withdraw after next prize draw the money will be available for the April cut off for ISA

3) Forget all this and just withdraw the money in March and have it safe/ready to pay in.

I'm going for number 3. I just don't want the hassle and risk of missing the cut off. So in early March I'll withdraw it and pay it into my Vanguard ISA.

Thanks. I had a look and could only find a direct saver and that was 3-5 days to get to your nominated account. Knowing how slow they are at the best of times let alone when everyone is moving money, I agree the only way to be sure is do it as soon as march draw is done. Fingers crossed for a 5 or 10k win

[redrabbit29]

P1Fanatic said:

Fingers crossed for a 5 or 10k win

Good luck, I am hoping for £1m but would settle for £500k

[P-Jay]

Months eh...?

A few weeks ago a hazy memory popped into my head. Some dusty bond certificates that used to knock around my parents house with my name on. So I filled in the form and today in the post I got the details through. I'm not sure how old they are exactly, I think my Grandfather bought them when I was born, so 46 years.

£10 invested in 1977, total prizes won in 46.5 years? Zero ha ha.

Ah well, no surprise million pound windfall for me. I think I'll buy some more.