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hugo
MemberAt 1.4% overall payout you have to wonder what the point is.
Depends what you are investing.
I have two interest-free credit cards maxed out with the funds in premium bonds. I have to be able to get my money back when the interest-free period runs out so that I can pay the cards off, can't guarentee that with shares, I want the certainty. Anything won in the mean time is my profit. I'm expecting to make around £300 over the two years, could be less, could be more. Made £50 so far
Premium bonds are simply not a good investment.
Already been suggested in other responses but my take on it is PBs are a savings tool, not an investment tool. I use Vanguard funds for the money I'm prepared to take a loss on, whilst hoping for bigger than PB gains.
PS second day in a row I'm being queued on their website for 7 minutes, which is completely annoying and negates the functional benefits of an online service - get your website capacity sorted or I'll start phoning your customer care team every time - which makes me much more expensive to service as a customer!
I think the app only lets you look at prizes - I want to dd / withdraw money
Still cant access the website but I have had an email so I've won something.
Cant download the app either but judging from the ratings that may may not be a bad thing...hope they are wrong.
Nowt for me this time. Roll on July's draw!
I wonder what time Agent Million will visit us tomorrow?
😜
Midnight on the 2nd. Hoping for a lottery/ premium bonds double.
High value winners for July have been announced, look on the nsai website. I didn't win big this month. Hopefully I'll get at least £25 tomorrow morning.
The app is showing me the clip of the woman having an orgasm in the rain so looks like I’ve won something. Will log in to site later
Edit £25
Between March and July the prize fund has gone from £100m to £106m and the number of prizes form 3.5m to 3.7m
Evidence of people moving money out of their crappy cash ISAs and into something with a better return?
How do some people see updates on the app earlier than others? are these the winners?
it appears that for some people the App works on the day of the draw and for others there is a delay of a day or two
it's a mystery
This is quite odd as the website says the draw is on July 2nd so how are winners being announced?
Second month in a row of sweet FA ☹️
Second month in a row of sweet FA ☹️
Pah, 2 months with nothing - we're on £25 on 8K over 17 months and counting. I've considered moving the money elsewhere many times, at some point I'm going to do so!
Evidence of people moving money out of their crappy cash ISAs and into something with a better return?
That's what I've done. I need easy access for the next year or so and should get a slightly better return here than in an easy access ISA. If I don't it's not exactly a big loss.
My app says draw due on 2nd July as does web login 🤷♂️
https://www.nsandi.com/prize-checker hmmm
Online man says
t take place on 2 July it takes place in the final couple of days fo June so the results can be organized for the start of the month. The results are released on the second working day of the month which would be 2 July.
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The draw does not take place on 2 July it takes place in the final couple of days fo June so the results can be organized for the start of the month. The results are released on the second working day of the month which would be 2 July.
App still telling me there's 1 day to go. I think it's just letting me down gently.
£25 !!
That's £175 this year. 😎
Nothing for me
£25 for Mrs Zip . That’s £150 for her since March.
2*,25 here
same
25 here - first sniff of a return since December
4 * £25 here - ballin'
Also 4* £25 here. But then not won anything since January so about flipping time
Nothing 🙁
2x25 here, really must work out my ytd wins
1 X £25 here, nowt for the missus. Nice, but a come down after £575 between us last month.
Nothing again, might pull the money out and chuck it back in as a bigger lump. Although I’ve only got £3k in there. How quickly can you withdraw your money?
£50. Gonna buy a yacht.
S.F.A as per normal it seems since 2016
I like seeing the large prizes going to people with very little saved in it, including one time someone with only £500 won a £50,000 prize.
might pull the money out and chuck it back in as a bigger lump
Which would make zero difference to your chances
First draw I'm eligible for!!
Won nothing.
Nothing for me this time
Which would make zero difference to your chances
Would make his chances for next month zero as wouldn't be eligible at all.
Took me about 8 years of drip feeding to get to a situation where I win every other month at least if not at least 1 each month.
225 for the year to date.
Will be decimated shortly as I have an extension to pay for 🙁
Back to winning! 2*£25.
My first time.
£0.
My lifelong bad luck has found a new outlet.
Nothing for me, £25 for the boss (who had £500 eligible for this draw but has just moved some more money in).
2 x £25 this month
Nothing for me now for a couple of months. £50 for the year so far. August is gonna be my month!
I got an email (which looks pukka) saying I'd won but when I go to the checker it says not. Anyone else ever experienced this before?
£25 again for me this month.
I get an email from ns&I on the 3rd of the month saying I have a message & need to login to read then another on the 4th telling me I've won, if I login to read the message it's the same as the email from the 4th.
OOh - I did win £25.
Weird because on the 2nd the website showed nothing but then I got an email yesterday.
Might buy myself another multi-tool 🙂
My first draw. I put a decent chunk in and got £50. That's already better than the crappy interest on the account the money was in.
I won 3x£25 after all which showed up when I logged into my account. Turns out I was using the wrong account number in the checker. That was the first month's draw I was eligible for.
Does anyone know when the prizes usually get paid? Mine should go to a nominated NS&I account but it's still not there.
Did anyone get a visit from Agent Million today?
Unless he's known to come early, my app is saying tomorrow.
They visit you in person if you've won the £1M (pre-Covid)
And the visit is the day before the results go public.....ie today
Me ..nothing again
Mrs Zip ...£100.
I’m a kept man.
£25 for me.
Is that why the little prizes come out on the second working day if the month then? They want the first day to visit for the big one?
Whoop £25
25 again this month for me
Nothing for me this month.
£0 !
2500 p
£25 here first prize won in my second draw
7500p
1st month for me and looks like a £0 as nothing showing on the site & no email.
They could make it more obvious on their site though as, unless I've missed something, there's nowhere that says draw date & winnings if it's £0.
2*25 for me. I'm happy enough with that
Beats the easy money return from rolls Royce shares.
They could make it more obvious on their site though as, unless I’ve missed something, there’s nowhere that says draw date & winnings if it’s £0
Site isn't showing my winnings but the prize checker app is
Naff all for the first time in a while
£100 for me
£50 for Mrs Lawman
We'll settle for that (each month, please...)
Tsk, bugger all.
£25 for me.
Site isn’t showing my winnings but the prize checker app is
Ah ok thanks, there's still hope then!
My first time.
£0.
My lifelong bad luck has found a new outlet.
Second time. Still nothing.
£16k in there eligible. At what point does my bad luck become statistically significant?
Winner, winner, chicken dinner!
What to spend my mighty fortune on? They must have sensed I was about to withdraw the lot so gave me a token £25 to keep me on the hook!
Nothing here. Haven’t checked my wife’s though…
Second time. Still nothing.
£16k in there eligible. At what point does my bad luck become statistically significant?
£40k and won £50 in the last year. I'm a winner at being a loser.
Had been saving cash for flat buying and legal fees. that's been put on hold, stuffed some of it in Bonds month before last - result! - well' several minimum prizes. warm glow.
put a sizeable chunk in for the last two months, and not won a bean
3 x £25 this month, thankyouverymuch.
so many folk flocking into Premium bonds odds have gone from 40.99 billion to 1 to 46.33 billion to 1....... those are some loooooong odds .