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Premium bonds

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By *wisted999 OP   Man
over a year ago

North Bucks

Thinking of sticking a cheeky windfall on some Bonds.

Does anybody have them/rate them?

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By *icketysplitsWoman
over a year ago

Way over Yonder, that's where I'm bound

I have them and get about £50 a year out of them.

Paul Lewis, the MoneyBox man, says that the changes will mean it's not really worth getting them now unless you can put in a lot or just want your money to sit there safely and not do anything.

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By (user no longer on site)
over a year ago

I do and I get the odd £50 every now and then.

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By *wisted999 OP   Man
over a year ago

North Bucks


"I have them and get about £50 a year out of them.

Paul Lewis, the MoneyBox man, says that the changes will mean it's not really worth getting them now unless you can put in a lot or just want your money to sit there safely and not do anything.

"

Jeez. Thanks.

What constitutes a lot?

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By *ady LickWoman
over a year ago

Northampton Somewhere

Used to have some but didn't see much return so took my money.

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By *icketysplitsWoman
over a year ago

Way over Yonder, that's where I'm bound


"I have them and get about £50 a year out of them.

Paul Lewis, the MoneyBox man, says that the changes will mean it's not really worth getting them now unless you can put in a lot or just want your money to sit there safely and not do anything.

Jeez. Thanks.

What constitutes a lot? "

Over £10k.

Have a look at what Paul Lewis and Martin Lewis say on their sites.

I only have a couple of thousand but have been lucky and usually get two £25 cheques a year.

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By *wisted999 OP   Man
over a year ago

North Bucks


"I have them and get about £50 a year out of them.

Paul Lewis, the MoneyBox man, says that the changes will mean it's not really worth getting them now unless you can put in a lot or just want your money to sit there safely and not do anything.

Jeez. Thanks.

What constitutes a lot?

Over £10k.

Have a look at what Paul Lewis and Martin Lewis say on their sites.

I only have a couple of thousand but have been lucky and usually get two £25 cheques a year.

"

Cool thanks

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By (user no longer on site)
over a year ago

Tend to buy shares in the indistry that I work in.

Couple of tips - Wandisco in sheffield - Cloud Solution Developer

Nio - chinese “Telsa Killer”

Id rather be in control of my own decision and money than in another person.

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By *wisted999 OP   Man
over a year ago

North Bucks


"Tend to buy shares in the indistry that I work in.

Couple of tips - Wandisco in sheffield - Cloud Solution Developer

Nio - chinese “Telsa Killer”

Id rather be in control of my own decision and money than in another person. "

Interesting.

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By (user no longer on site)
over a year ago


"Thinking of sticking a cheeky windfall on some Bonds.

Does anybody have them/rate them? "

Just give me the money?!

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By *ingAlMan
over a year ago

hereford

I've had £28000 worth for 12 years, get about £25 a month on average, apart a £500 win, not sure how that would compare with an ISA or something, always a chance of a big win though, unlike an ISA

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By *inkySeeKinkyDoWoman
over a year ago

'tween PontyCarlo & CasVegas in West Yorks

I had some bought as christening gift when i was a baby and never had a penny from them...but then it is only £11 worth of bonds

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By (user no longer on site)
over a year ago

My family have them and have seen a much better return than the money in the bank

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By (user no longer on site)
over a year ago

Depends how much you’re looking to invest. Believe there was a recent study that said you need £32k to pretty much get a monthly return. That said, if you look at the monthly winners of big prizes you do see the occasional ones holding under £1k

Good thing about pb is that you don’t lose your original investment and you can access the cash in 2/3 days

If you do invest good luck with the monthly draws

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By *ara JTV/TS
over a year ago

Bristol East


"I had some bought as christening gift when i was a baby and never had a penny from them...but then it is only £11 worth of bonds "

Lol I have three £1 coupons I inherited from my dad lol

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By *olcpl77Couple
over a year ago

halstead

how do you buy premium bonds very confusing on there site

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By *amissCouple
over a year ago

chelmsford

Think you can still get a form from the post office

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By *amissCouple
over a year ago

chelmsford

We have been very successful with them

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By (user no longer on site)
over a year ago

Read that as premium boobs....

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By (user no longer on site)
over a year ago


"I have them and get about £50 a year out of them.

Paul Lewis, the MoneyBox man, says that the changes will mean it's not really worth getting them now unless you can put in a lot or just want your money to sit there safely and not do anything.

"

I've hear that for years.

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By *utsidenakedMan
over a year ago

Dorchester

O got one had it for sixty years and won fuck all, haha

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By (user no longer on site)
over a year ago

Best thing to do is open up a children's saver account and stick the money there!

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By *d59michelleTV/TS
over a year ago

walsall


"O got one had it for sixty years and won fuck all, haha "

Parents bought me some when they came out still waiting !

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By (user no longer on site)
over a year ago

I've had them forever and never had a penny from them

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By *utsidenakedMan
over a year ago

Dorchester

There better than a lottery ticket as still have the money when you win fuck all

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By (user no longer on site)
over a year ago

Not worth the return on investment. You're better off having private investments with low risk shares/funds that pay dividends.

Most of my investments automatically top themselves up instead of paying me a divident but i've had £80 returned this year in dividends from only around £2,000 in shares.

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By (user no longer on site)
over a year ago


"Not worth the return on investment. You're better off having private investments with low risk shares/funds that pay dividends.

Most of my investments automatically top themselves up instead of paying me a divident but i've had £80 returned this year in dividends from only around £2,000 in shares.

"

^ This financial year, not just in the last 3 months

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By *utsidenakedMan
over a year ago

Dorchester

My best I investment was a flutter on the EU vote,won enough to buy a ride on lawn mower

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By *litterbabeWoman
over a year ago

hiding from cock pics.

I have some, and I don't win very much, but I have not got enough to win regularly. I so would love their agents to come knocking on the door to announce the million pound win at the beginning of the month though.

I reckon my winnings are average less than 1% per year.

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By (user no longer on site)
over a year ago

I have done really well with the few that I have. Every year for the last 8 years Ive got way way more than I would have with a bank or building society,and there’s no risk of losing my money, and winnings are tax free

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By (user no longer on site)
over a year ago


"Tend to buy shares in the indistry that I work in.

Couple of tips - Wandisco in sheffield - Cloud Solution Developer

Nio - chinese “Telsa Killer”

Id rather be in control of my own decision and money than in another person. "

Any more tips greatly appreciated!

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By (user no longer on site)
over a year ago

I've got the maximum £50,000. The money is secure and can be accessed immediately if needed. Averages about £500-£1000 winnings per year. It adds a bit of fun to savings compared to the -1% interest on offer at banks. It also helps if you're lucky.

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By *hav02Man
over a year ago

Glasgow/London

I've got about £5000 invested since my days in uni.. Have only ever received a couple of £25 cheques. It's rubbish I invest my money elsewhere and get a better return by controlling myself.

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By (user no longer on site)
over a year ago

I’ve got em and I would say deffo worth it i always get about £25 win most months.

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By (user no longer on site)
over a year ago

I am baffled as to why anyone would be happy investing large sums of money for on average a 1% annual return

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By (user no longer on site)
over a year ago

Only about £100 back over 2 years but more than I would have got from the bank

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By *jpbimMan
over a year ago

sutton.st.Helens

Late son. had some premium bonds bought for him as a christening gift..changed address due to moving house..had no wins..he was 38 years old..

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By (user no longer on site)
over a year ago

I receive small cheques virtually every month and its tax free. Better rate of return than banks, the cash is safe and theres a chance of winning big lumps of cash.

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By (user no longer on site)
over a year ago

I've got 30k in bonds and I get between 11 and 15% return.

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By (user no longer on site)
over a year ago

Just a matter of luck and the return is not guaranteed.

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By *ndy58Man
over a year ago

Birmingham


"I've got 30k in bonds and I get between 11 and 15% return. "

Bullshit. The current prize rate is 1.4%, the only way you could get anywhere near double figures is if you have been winning higher value prizes (£5K or more) on a regular basis, which is extremely unlikely. If you want us to believe you then post details of the wins you've had in the last couple of years.

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By (user no longer on site)
over a year ago

Yeah I had some after I sold my house bought £50,000 with and won about £750 in a year not a bad return and you can win big

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By *ablo minibar123Woman
over a year ago

.

I have full amount and usually win a few small prizes each month

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By (user no longer on site)
over a year ago

Yeah. Had a few wins over the years. No big ones though. Yet!

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By *innie The MinxWoman
over a year ago

Under the Duvet

Do it. You can always cash them in again if you need to (unlike a lottery ticket!)

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By (user no longer on site)
over a year ago


"I have them and get about £50 a year out of them.

Paul Lewis, the MoneyBox man, says that the changes will mean it's not really worth getting them now unless you can put in a lot or just want your money to sit there safely and not do anything.

Jeez. Thanks.

What constitutes a lot? "

the max is 100k per person, in my opinion, they arent worth it unless you can put in the max, my parents , retired, both have the max amount, and it pays more than thier pensions, but after downsizing they had the cash, for a safe investment you cant do better, you can make more with other investments, but you also risk loosing money, with premium bonds your money is always there if you need it, certainly better than a savings account

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By *amissCouple
over a year ago

chelmsford


"I've got 30k in bonds and I get between 11 and 15% return. "

Sounds high, do you win large amounts?

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By *otmale5Man
over a year ago

glasgow

Had the max bonds.. never ever won more than the occasional £50.. as a place to keep savings it’s ok .

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By *amissCouple
over a year ago

chelmsford

We get about 1.5%, on average, which is better than the high street banks. Easy access and no risk.

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By *litterbabeWoman
over a year ago

hiding from cock pics.

I think it's hard to know where to invest, a family member is taking tentative steps into investment and has put £100 in bitcoin and £100 in Tesla, and it is bringing in on paper results. At the moment it is very short-term and volatile but certainly interesting.

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By (user no longer on site)
over a year ago

I thought the max you could have was 50k ???

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By *amissCouple
over a year ago

chelmsford


"I thought the max you could have was 50k ???"

It is

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By (user no longer on site)
over a year ago


"Yeah I had some after I sold my house bought £50,000 with and won about £750 in a year not a bad return and you can win big"

Not a bad return ? 1.5% a year. I understand it’s a safe bet for people who are risk averse, but still that’s a very very low return for such a large sum of money. Would it not be better in bricks and mortar, earning 8 or 9% a year plus the value of the investment rising at same time. I understand perhaps why people invest £100 or so as it’s the lure of maybe winning like the lottery. But I can’t fathom people investing 10s of thousands into them as an investment vehicle.

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By *unkym34Man
over a year ago

London


"Thinking of sticking a cheeky windfall on some Bonds.

Does anybody have them/rate them? "
they are not bad if you have a lot to put down and are prepared to wait. If you have a good decent amount to put down then the wins here and there over the year will amount to more than interest to be fair. Lot easier to claim back out of bonds to should you need the money. That’s my opinion on them but I am talking 20K +. Not sure what the maximum is any more think it was raised but I have some in my name and and couple of family members who I trust

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By *unkym34Man
over a year ago

London


"Yeah I had some after I sold my house bought £50,000 with and won about £750 in a year not a bad return and you can win big

Not a bad return ? 1.5% a year. I understand it’s a safe bet for people who are risk averse, but still that’s a very very low return for such a large sum of money. Would it not be better in bricks and mortar, earning 8 or 9% a year plus the value of the investment rising at same time. I understand perhaps why people invest £100 or so as it’s the lure of maybe winning like the lottery. But I can’t fathom people investing 10s of thousands into them as an investment vehicle. "
bricks and mortar by far is best investment but again depends on where you can buy and how much you have. To see a decent return any time soon you would need at least 300K.

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By *moothshaftMan
over a year ago

Coventry

I have a few thousand in there and regularly get £25 and £50 wins.

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By (user no longer on site)
over a year ago


"Yeah I had some after I sold my house bought £50,000 with and won about £750 in a year not a bad return and you can win big

Not a bad return ? 1.5% a year. I understand it’s a safe bet for people who are risk averse, but still that’s a very very low return for such a large sum of money. Would it not be better in bricks and mortar, earning 8 or 9% a year plus the value of the investment rising at same time. I understand perhaps why people invest £100 or so as it’s the lure of maybe winning like the lottery. But I can’t fathom people investing 10s of thousands into them as an investment vehicle. bricks and mortar by far is best investment but again depends on where you can buy and how much you have. To see a decent return any time soon you would need at least 300K. "

You can buy a relatively modern apartment near us for £60k and it would return £6k a year in rent.

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By (user no longer on site)
over a year ago


"Yeah I had some after I sold my house bought £50,000 with and won about £750 in a year not a bad return and you can win big

Not a bad return ? 1.5% a year. I understand it’s a safe bet for people who are risk averse, but still that’s a very very low return for such a large sum of money. Would it not be better in bricks and mortar, earning 8 or 9% a year plus the value of the investment rising at same time. I understand perhaps why people invest £100 or so as it’s the lure of maybe winning like the lottery. But I can’t fathom people investing 10s of thousands into them as an investment vehicle. bricks and mortar by far is best investment but again depends on where you can buy and how much you have. To see a decent return any time soon you would need at least 300K.

You can buy a relatively modern apartment near us for £60k and it would return £6k a year in rent."

I rent properties and have Premium Bonds. Being a landlord isn't all that. That £6,000 in rent isn't pure profit. You will usually pay an estate management company 10-12%, most areas require you to purchase a landlord licence for the property, there's annual checks that need to be carried out plus you need to factor in repair bills. Don't forget that you need landlord building and content insurance especially if you leave in a washer or a fridge etc. The tax man also wants his cut and there's the panic of the property possibly being vacant between tenants or troublesome tenants that don't pay. Don't believe the hype.

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By (user no longer on site)
over a year ago

I own rental properties myself also and have for nearly 20 years. Yes there’s others factors but as an investment vehicle there’s no comparison with premium bonds for return. Even factoring in costs. Plus you also have capital appreciation.

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By (user no longer on site)
over a year ago

Always Roger Moore.

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By (user no longer on site)
over a year ago


"I thought the max you could have was 50k ???

It is "

thought it was 100k per person,

well thats what my parents have each, might be wrong tho

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By *amissCouple
over a year ago

chelmsford


"I thought the max you could have was 50k ???

It is

thought it was 100k per person,

well thats what my parents have each, might be wrong tho"

You can check NSI site, it's 50k per person

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By *ittleMissCaliWoman
over a year ago

all loved up

I have £33 quid worth. I've had about 26k back over the years ive had them. Not had much back over the past 10 years or so though x

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By *amissCouple
over a year ago

chelmsford


"I have £33 quid worth. I've had about 26k back over the years ive had them. Not had much back over the past 10 years or so though x"

£26,000 on £33...wow that is some return

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By (user no longer on site)
over a year ago

Number 1 rule: Invest in yourself.

Then... Netflix, Uber, Marstons, AstraZeneca, Diageo, Nicola and HSBC.

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