NS&I Premium Bonds

In my opinion, no. It doesn’t appeal to me.

I’ve never been drawn to the concept of “chance”. Lotteries, prize draws etc. They just don’t interest me and never have.

Others seem to like them though… :slightly_smiling_face:

Maybe consider putting 1% of the amount you spend on Tech into bonds? You should hit the maximum holding in no time! :wink:

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Mostly probably not, a savings account would likely be better for most people and most cases, especially if once a year you move to the highest rate saver available and move your longer term savings into fixed savers.

But if the possibility of winnings (however remote) motivates you to save then maybe!

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I think the more important question is…. Does NS&I have a decent app?

Despite my previous comments, I am now finding myself tempted to throw in the minimum of £25/month. In the grand scheme of things, that’s probably less than I spend each month on cute bow ties and collars for my cat. :smiling_face_with_three_hearts:

You lot are a bad influence.

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I’ll will fix that soon :slightly_smiling_face:

No lol. And the website is even worse, doesn’t let you refresh or use the back button without logging you out.


:thinking:

I’ll join the non-winning £25 per month club.

Obvs Aydan will win and buy some sort of expensive thing with a plug.

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Me :pleading_face:

Well i’m out then

Feel all the excitement of Premium Bonds with none of the risk by checking this picture every 2nd of the month

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Go on then :slightly_smiling_face:

How about people with a Premier Bank Account but in Overdraft :rofl:

Ok, I’m in … What’s the worse that can happen!

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can I count the £25 of bonds I got between 1983 and 1985, or do only new ones count? :slight_smile:

(I did have a rummage to see if I could find the original paper copies of them, but only managed to find out my Investment Account bank book. The account’s still open, but only has pennies in it, earning 0%…)

The new ones should be under the same holder’s number as the original ones.

This is winnings on £50k in premium bonds since Jan 2023…I will say I’m starting to doubt them

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Your win rate in 2023 was low (~1.7%), but in 2024 (~ 4.4%) is roughly what would be expected.

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Apparently I have lucky children. My 5 year old won £100 this month, bringing her total winnings to £125. My total prizes over 41 years of holding premium bonds are £150 :joy:

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Got nothing! :smiling_face_with_tear:

£100 this month. 5.85% annual equivalent over the past 6 draws, must have got lucky.

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