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€25k invested in prize bonds

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Comments

  • #802
    FoolsGold1
    Registered Users Posts: 289 ✭✭FoolsGold1


    Hi! Whenever I won the cheque(s) came on Wednesday and that is Dublin, so I guess it may depend where you live .. so in some cases the cheque might arrive a bit sooner/later. I've asked them to lodge to my Account in future, always hoping that there might possibly be SOMETHING to lodge!


  • #803
    conorfonz
    Registered Users Posts: 34 ✭conorfonz


    Hi,
    I was just thinking about buying prizebonds. Once one buys them I understand you have to hold them for a minimum of 3 months, I was wondering that if at any time after 3 months I needed the money, could I have it in a matter of days?


  • #804
    nhg
    Registered Users, Registered Users 2 Posts: 1,066 ✭✭✭nhg


    On 1 particular batch of prize bonds (30K) I get the winnings paid directly into the bank a/c and it shows up on my online banking on Saturday morning but dated the Monday & a letter comes in the post on a Tuesday telling me that a prize has been lodged to my bank a/c.

    The €200 prize bonds that i buy monthly on direct debit are set up to get reinvested into prize bonds - I have never won on these yet, just starting into my 3rd year on these (college fund for child in about another 9 yrs please god)


  • #805
    XrayMike235
    Registered Users Posts: 97 ✭✭XrayMike235


    Winnings from todays draw: €0
    Total winnings since October 2008 on €18K: €1250

    Date of last win: Jan 4th (€50)


  • #806
    Agent Smyth
    Registered Users Posts: 714 ✭✭✭Agent Smyth


    Winnings from 22/02/13 draw €0
    Last win 15/02/13 €50
    Total wins 2013 € 100
    Total wins 2012 €375


  • #807
    pbwinner
    Registered Users Posts: 833 ✭✭✭pbwinner


    Owlhead wrote: »
    Congrats pbwinner, glad to hear it. What is the general consensus, winners, do prizes arrive on Tuesday or Wednesday?
    I've usually received my cheques on the following Wednesday, living in Dublin.


  • #808
    pbwinner
    Registered Users Posts: 833 ✭✭✭pbwinner


    conorfonz wrote: »
    Hi,
    I was just thinking about buying prizebonds. Once one buys them I understand you have to hold them for a minimum of 3 months, I was wondering that if at any time after 3 months I needed the money, could I have it in a matter of days?
    Yes but probably best to plan a week or two just in case.


  • #809
    pbwinner
    Registered Users Posts: 833 ✭✭✭pbwinner


    oaklands wrote: »
    @pbwinner

    I have just checked the current winners on the website from last friday against what I recorded last friday 12:32 and the list is the same.

    So you either got a cached page, checked too early or the win was from a previous week.
    Ah ok. I just have it as a bookmark so maybe it was the cache - will refresh in future! Thanks :)


  • #810
    pbwinner
    Registered Users Posts: 833 ✭✭✭pbwinner


    stedabee wrote: »
    does anyone ever hear off the big money wins or is there ever?
    Certainly not on this thread! :D


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  • #811
    pbwinner
    Registered Users Posts: 833 ✭✭✭pbwinner


    Winnings from today's draw: €150
    Total winnings since Feb 2011 on €25k: €1050


  • #812
    WhiteMan32
    Registered Users Posts: 671 ✭✭✭WhiteMan32


    Winnings from today's draw: €0
    Total winnings since Feb 2012 on €12k: €150


  • #813
    hairyprincess
    Registered Users, Registered Users 2 Posts: 2,297 ✭✭✭hairyprincess


    Is anyone else having trouble getting onto the PB website, I haven't been able to get on all day. It was the same last week but I eventually got on.


  • #814
    FoolsGold1
    Registered Users Posts: 289 ✭✭FoolsGold1


    No win on 22/02/13.
    Last win 8/02/13 - €50.


  • #815
    oaklands
    Registered Users Posts: 213 ✭✭oaklands


    pbwinner wrote: »
    Ah ok. I just have it as a bookmark so maybe it was the cache - will refresh in future! Thanks :)
    I just realised that my script takes the full list of winners and you probably use the tracker facility - different pages. So it could be possible that the tracker system is not updated at the same time as the main list.

    But as you say, if it happens again refresh the page and we will know for sure.


  • #816
    oaklands
    Registered Users Posts: 213 ✭✭oaklands


    194 of today's 9,010 winners are classified as overseas, which represents 2.13% of winners.

    This suggests that circa €35.7 million of the €1.678 billion PB fund is held overseas. The bulk of this is most likely Irish emmigants.


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  • #817
    hairyprincess
    Registered Users, Registered Users 2 Posts: 2,297 ✭✭✭hairyprincess


    Winnings from todays draw: €0

    Total winnings since Feb 2010 on €500: €150
    Total winnings since Feb 2011 on €50: €0


  • #818
    nhg
    Registered Users, Registered Users 2 Posts: 1,066 ✭✭✭nhg


    22/2/13 - €0.00
    Since November 2013 on €30K - €200.00


  • #819
    smemon
    Registered Users, Registered Users 2 Posts: 3,467 ✭✭✭smemon


    22/2/13 - €0
    Since January 2013 on €50 - €0


  • #820
    smemon
    Registered Users, Registered Users 2 Posts: 3,467 ✭✭✭smemon


    nhg wrote: »
    22/2/13 - €0.00
    Since November 2013 on €30K - €200.00

    What's it like living in the future?


  • #821
    Agent Smyth
    Registered Users Posts: 714 ✭✭✭Agent Smyth


    LOL I was wondering how long it would take.


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  • #822
    Agent Smyth
    Registered Users Posts: 714 ✭✭✭Agent Smyth


    Winnings from 01/03/13 draw €0
    Last win 15/02/13 €50
    Total wins 2013 € 100
    Total wins 2012 €375


  • #823
    XrayMike235
    Registered Users Posts: 97 ✭✭XrayMike235


    Winnings from todays draw: €0
    Total winnings since October 2008 on €18K: €1250

    Date of last win: Jan 4th (€50)

    Fed up at the Sorry you have no new winners! think I might cash them in.


  • #824
    Agent Smyth
    Registered Users Posts: 714 ✭✭✭Agent Smyth


    If my figures are correct it would seem the PB fund is about 1,696,942,222 euro at the end of Feb
    so nearly 1.7 billion
    During Feb I reckon the PB fund grew by 17,957,778 euro,
    Which means there will be an extra 2,873,244 bonds in each draw during March compared to Febs

    I would estimate that at the moment there is nearly a million euros worth of new bonds been bought each day
    (My figures dont include bonds that have been cashed in)


  • #825
    Daawaa
    Registered Users Posts: 69 ✭✭Daawaa


    XrayMike235 wrote: »
    Winnings from todays draw: €0
    Total winnings since October 2008 on €18K: €1250

    Date of last win: Jan 4th (€50)

    Fed up at the Sorry you have no new winners! think I might cash them in.

    Same as :s


  • #826
    WhiteMan32
    Registered Users Posts: 671 ✭✭✭WhiteMan32


    Winnings from today's draw: €50
    Total winnings since Feb 2012 on €12k: €200


  • #827
    doriansmith
    Registered Users Posts: 365 ✭✭doriansmith


    Me three. Haven't won since 4th of January. Hate seeing the "Sorry you have no new winners" week after week :(


  • #828
    FoolsGold1
    Registered Users Posts: 289 ✭✭FoolsGold1


    No win today 1.03.13.
    Last win 8th Feb. 1 x €50. :eek:


  • #829
    oaklands
    Registered Users Posts: 213 ✭✭oaklands


    Agent Smyth wrote: »
    If my figures are correct it would seem the PB fund is about 1,696,942,222 euro at the end of Feb
    so nearly 1.7 billion
    During Feb I reckon the PB fund grew by 17,957,778 euro,
    Which means there will be an extra 2,873,244 bonds in each draw during March compared to Febs

    I would estimate that at the moment there is nearly a million euros worth of new bonds been bought each day
    (My figures dont include bonds that have been cashed in)

    My figures for PB fund match yours exactly (€1,696,942,222) for the end of Feb'13.
    However, my estimation for growth during Feb'13 was slightly different:
    €18,257,778 nett growth in Fund value
    2,921,244 nett growth in # PBs

    I have attached a PDF going back to Apr'12 FYI showing the relevant numbers.



    Some other points of interest:
    • The total number of prizes is now greater than Dec'12, but the prize fund is just under 64% of what it was.
    • Average return for €50 prizes is now 1.3272% (1.9808% DIRT equiv)
    • Average return for €50 +€100 prizes is now 1.4804% (2.2095% DIRT equiv)
    • The other priizes are so small in number that they should be excluded for nearly everyone ( except the small number of winners)
    • The surge of nett new bonds during Dec & Jan at just under 5m PB per month has now tapered off to Just under 3M during Feb which is very close to what it was from Jul->Nov'12. I still havent figured out this counter intuitive buying pattern during Dec/Jan when set against the significantly reduced prize fund!
    @Agent Smyth : if you can see any error in my number , let me know & I can correct


  • #830
    Agent Smyth
    Registered Users Posts: 714 ✭✭✭Agent Smyth


    @ Oaklands
    yes i would agree with you figures, went over mine and saw that I made a mistake in my calculations of the PB growth
    Should have double checked my figures before posting.
    It would be interesting to know how many PBs are cashed in each month as then we could get a true figure of new PB sales.
    As regards the sales surge in Dec/Jan apart from the normal sales and Christmas presents I wonder would there be an element of people hiding money but I'm sure this would an ongoing thing rather the an end of year thing.


  • #831
    oaklands
    Registered Users Posts: 213 ✭✭oaklands


    The normal profile for Dec purchases are that the number of people buying almost doubles in Dec compared to other months, but the nett amount of new bonds (or €) doesnt change significantly in the month of December (Source: Annual reports 2004->2011). The only thing I can think of is that the press coverage surrounding the reduction in the prize fund/return combined with increased DIRT might have been a factor in persuading people to purchase.

    It will be interesting to observe the impact of the planned removal of the bank deposit guarantee on deposits (NB: the original €100k scheme will remain in place)


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  • #832
    Agent Smyth
    Registered Users Posts: 714 ✭✭✭Agent Smyth


    Winnings from 08/03/13 draw €0
    Last win 15/02/13 €50
    Total wins 2013 € 100
    Total wins 2012 €375

    Have to agree the "Sorry you have no new winners!" is really starting to agony me. I know the chances of a big win are non-existent but I was expecting a few more €75/50 wins, Guess my middle name is definitely not "Lucky"


  • #833
    FoolsGold1
    Registered Users Posts: 289 ✭✭FoolsGold1


    Winnings from 8/03/13 - 1 x 50.
    Last win 2/02/13 - 1 x 50.
    Totall wins 2013 €250.


  • #834
    pbwinner
    Registered Users Posts: 833 ✭✭✭pbwinner


    Winnings from today's draw: €0
    Total winnings since Feb 2011 on €25k: €1050


  • #835
    WhiteMan32
    Registered Users Posts: 671 ✭✭✭WhiteMan32


    Winnings from today's draw: €0
    Total winnings since Feb 2012 on €12k: €200


  • #836
    nhg
    Registered Users, Registered Users 2 Posts: 1,066 ✭✭✭nhg


    8/3/13 - €50
    Since November 2012 on 30K - €250.00


  • #837
    BusyMum12
    Registered Users Posts: 49 ✭BusyMum12


    I just found this thread today and I was glued to it throughout the day!
    Was eagerly reading each week to see if OP won!

    We have about €300.00 worth over almost 10 years for the kids birthdays etc. They are in my name, some my husband's and others in kids names.
    We won €75.00 twice which is quite poor I suppose.

    Anyway, I decided to buy either €50.00 or €100.00 every month this year and see what happens. Will hopefully build it up over the years and if we've no luck we'll cash them in for their college fees etc (Eldest is 9).

    Great thread!


  • #838
    Speak Now
    Registered Users, Registered Users 2 Posts: 8,708 ✭✭✭Speak Now


    150 back off 300 over 10 years wouldnt be a poor return on prize bonds. For that amount of prize bonds you could have easily won nothing.


  • #839
    FoolsGold1
    Registered Users Posts: 289 ✭✭FoolsGold1


    Good girl - busy or not! It would be great to get a really lucky break...you never know...welcome to the hopefuls!:)


  • #840
    vedwards
    Registered Users Posts: 244 ✭✭vedwards


    Following a long drought - November 2012 since my last win, I'd come to anticipate a week almost every week with 6000 units. I had 3 (€75) in August 2012 & 1 in September & 2 in November 2012. Last week, March 1st draw I won 2 x €50; so hopefully my numbers have found their way back into the bin :D.

    I'll give them another couple of months and then decide whether to invest elsewhere.


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  • #841
    XrayMike235
    Registered Users Posts: 97 ✭✭XrayMike235


    Winnings from last draw: €0
    Total winnings since October 2008 on €18K: €1250

    Date of last win: Jan 4th (€50)

    Anyone else get a letter asking for certified proof of address, PPS and photo ID? I've to get a guard to stamp the documents to say it is me. I did send them whatever they originally asked for in 2008.

    It's not like they've been sending me any money of late........


  • #842
    oaklands
    Registered Users Posts: 213 ✭✭oaklands


    vedwards wrote: »
    Following a long drought - November 2012 since my last win, I'd come to anticipate a week almost every week with 6000 units. I had 3 (€75) in August 2012 & 1 in September & 2 in November 2012. Last week, March 1st draw I won 2 x €50; so hopefully my numbers have found their way back into the bin :D.

    I'll give them another couple of months and then decide whether to invest elsewhere.


    With 6,000 PBs you should expect to win €50 about 9 or 10 times per year and €100 every 1.7 years, 'on average'.
    Based on probabilities for March 2013


  • #843
    nhg
    Registered Users, Registered Users 2 Posts: 1,066 ✭✭✭nhg


    nhg wrote: »
    8/3/13 - €50
    Since November 2012 on 30K - €250.00


    My letter confirming same came this morning..... along with another letter addressed to my son from Prize Bonds - he won €50 in Fridays draw as well. He has only a small few bonds from birthdays etc


  • #844
    oaklands
    Registered Users Posts: 213 ✭✭oaklands


    XrayMike235

    Might be a good idea to call first to ask if they already have your ID.

    I had an issue recently where they didn't register the bonds purchased in the Post Office with all the ID stuff, because the person processing it in FexCo entered it incorrectly into their database.

    The impact for me was that the new unregistered bonds were not entered into several draws because the ID flag was mistakenly set incorrectly. This was only sorted because I chased it up when the PBs didnt arrive in the post!

    So worth contacting them by phone or email, before going to the hassle etc.


  • #845
    Raytown Rocks
    Registered Users, Registered Users 2 Posts: 814 ✭✭✭Raytown Rocks


    Invested €5000 last week.
    Still waiting for my Bonds to be sent to me, so no Idea of numbers etc just yet.
    Will be watching the postman closely


  • #846
    Sonnenblumen
    Registered Users, Registered Users 2 Posts: 5,834 ✭✭✭Sonnenblumen


    pbwinner wrote: »
    Winnings from today's draw: €0
    Total winnings since Feb 2011 on €25k: €1050

    Thats not a bad return, just behind what the prevailing longterm PO rate at the time would have yielded but that rate has since been reduced. If you can maintain your winning pattern, you'll be ahead and from what I read here you appear to be one of the luckier bondholders?

    I think PBs are played out. At the moment there are huge opps on ISEQ and for example BoI in particular offering potentially significant rewards in return for small risk.

    May the force be with you!

    :)


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  • #847
    Agent Smyth
    Registered Users Posts: 714 ✭✭✭Agent Smyth


    Winnings from 15/03/13 draw €50
    Last win 15/02/13 €50
    Total wins 2013 €150
    Total wins 2012 €375

    That's a win every month since Dec, Which is bang on the odds of a €50 win every 3.64 weeks.


  • #848
    pbwinner
    Registered Users Posts: 833 ✭✭✭pbwinner


    Winnings from today's draw: €0
    Total winnings since Feb 2011 on €25k: €1050


  • #849
    FoolsGold1
    Registered Users Posts: 289 ✭✭FoolsGold1


    Winnings from 15/03/13 3 x 50 (€150)
    Last win 8/03/13 1 x 50 (€50)
    Total wins in 2013 8 x 50 (€400)


  • #850
    missmyler
    Closed Accounts Posts: 182 ✭✭missmyler


    Winnings from 15/03/13 draw: €0
    Total winnings since April 2010 on €2k: €0


  • #851
    francie81
    Registered Users Posts: 1,412 ✭✭✭francie81


    So let me ask about PB's whatever units you buy it stays there unless cashed and can only win the minimum (if lucky) opposed to gambling?


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