€25k invested in prize bonds

tuisginideach

At last! €50

Cork Lass

tuisginideach wrote: »

At last! €50

That’s great
Nothing for us this week.

dxhound2005

€50 for me today from my January 2010 Big Bunch.

5050 €50 prizes every week in February, up from 4998 in January.

pbwinner

Winnings on 7th February 2020: €0
Last win 23rd August 2019: €50
Total winnings on €25k from Feb 2011 to date: €2900
2011: €75 x 4 €300
2012: €75 x 6 €450
2013: €50 x 12 €600
2014: €50 x 9 €450
2015: €50 x 5 €250
2016: €50 x 5 €250
2017: €50 x 4 €200
2018: €50 x 2 €100
2019: €50 x 6 €300
2020: €0

AlCalde

Purchased 20k worth:
since 2018: 0€ wins
2019: 0€ wins
2020: Jan 0€ wins

Andrew Flexing

First win of 2020;

Jan: :mad::mad::mad::mad::mad:
Feb:

FionnK86

I'm saving for house & just switched to KBC current account so needed to take 3k out of BOI saver.

However, have had PB's before, I know it's random return, but generally positive experience all round??

tuisginideach

FionnK86 wrote: »

I'm saving for house & just switched to KBC current account so needed to take 3k out of BOI saver.

However, have had PB's before, I know it's random return, but generally positive experience all round??

All you need to do is read the posts on this page to answer that question.

John arse

AlCalde wrote: »

Purchased 20k worth:
since 2018: 0€ wins
2019: 0€ wins
2020: Jan 0€ wins

a lot of people coming on asking about small investments.well there's your answer!

Taylor365

FionnK86 wrote: »

I'm saving for house & just switched to KBC current account so needed to take 3k out of BOI saver.

However, have had PB's before, I know it's random return, but generally positive experience all round??

Generally positive with 50K+

abff

Current interest rates are rubbish. So, if you have a bit of spare money, they offer a viable alternative to putting the money on deposit. If you win nothing, you’ve probably only lost a few quid. Even 1 win a year is likely to put you well ahead.

But don’t do it if you’re going to get stressed if you don’t have any wins.

dxhound2005

Hibernicis wrote: »

It’s nuts. I wrote to them with the following suggestions

1. change the notification “letter” to electronic notification (e-mail, text etc)
2. allow an opt out
3. put the money saved into the prize fund - I estimate it would add a minimum of 10,000 additional 50 euro prizes per annum, perhaps more.

Calculated thus: 4,500 prizes (letters) per week, 52 weeks in the year, €2.50 per letter, is a Saving of €585,000 per annum, which would fund 11,700 additional €50 prizes.

The €2.50 per item might sound exorbitant, but people have little realisation of the costs associated with raising/printing/enveloping/handling/posting/filing/storing letters even in a bulk correspondence environment when the infrastructure, hardware, software, labour, management and overhead costs etc are included. I have seen and worked with figures of up to €10 for this. In this example I am assuming An Post and Fexco to be super efficient and so allowing a figure of €2.50 per item)

I got my new bonds from last Friday's win today. Accompanied by an explanatory leaflet, with information on how to change from reinvestment if people want to. No separate letter this time.

They are up to the AQP773xxx series.

Andrew Flexing

No Joy.

Jan: :mad::mad::mad::mad::mad:
Feb: :mad:

PB2018

Wins on 14th February 2020: €0
Last win - 3rd January 2020: €50
Weeks since last win: 6
€134k invested in prize bonds since July 2017
Win ratio: 15 wins in 137 weeks (11%)
2017 (Jul-Dec): 5 x €50 = €250
2018 (Jan-Dec): 4 x €50 = €200
2019 (Jan-Dec): 5 x €50 = €250
2020 (Jan-date): 1 x €50 = €50

tuisginideach

Andrew Flexing wrote: »

No Joy.

Jan: :mad::mad::mad::mad::mad:
Feb: :mad:

Same as

pbwinner

No love today
Winnings on 14th February 2020: €0
Last win 23rd August 2019: €50
Total winnings on €25k from Feb 2011 to date: €2900
2011: €75 x 4 €300
2012: €75 x 6 €450
2013: €50 x 12 €600
2014: €50 x 9 €450
2015: €50 x 5 €250
2016: €50 x 5 €250
2017: €50 x 4 €200
2018: €50 x 2 €100
2019: €50 x 6 €300
2020: €0

Thargor

First draw with my house deposit fund increased from 60k to 100k, still nothing.

Hopefully buying this year anyway.

AlCalde

20K since 2018..

STILL WAITING for MY FIRST WIN!! ����������

dxhound2005

Nothing for me. Someone in Galway had a nice bit of luck.

Prize Value Winning Prize Bond Location

€50 XJ670031 Galway
€50 XJ670040 Galway

Cork Lass

Nothing for us this week

John arse

AlCalde wrote: »

20K since 2018..

STILL WAITING for MY FIRST WIN!! ����������

ouch!

worded

Can anyone help with this ?

Purchase of premium (Prize) bonds in other EU states? Are there German/French ones etc ?

https://www.boards.ie/vbulletin/showthread.php?p=112582226#post112582226

hobes

I can't believe you are still going with this. Great experiment, and well done for keeping it up.

But you are absolutely crazy.

Taylor365

hobes wrote: »

I can't believe you are still going with this. Great experiment, and well done for keeping it up.

But you are absolutely crazy.

S&P?


Pfff you're absolutely crazy!


*INSERT TESLA 6 MONTH CHART*

hobes

Taylor365 wrote: »

S&P?


Pfff you're absolutely crazy!


*INSERT TESLA 6 MONTH CHART*

But come back in 8 years and 6 months though.

Edit: Not to mention diversification.

c.p.w.g.w

hobes wrote: »

But come back in 8 years and 6 months though.

I invested €2800 in the S&P500 and after 8 months it stands at €3,454...Thats €654 up...of course that can go down but...The Tax will still need to be paid on this when i sell or after 7 years

dxhound2005

hobes wrote: »

But come back in 8 years and 6 months though.

Edit: Not to mention diversification.

Too little information. If they have a diversified portfolio with 5% in Prize Bonds, it would be no harm. If they have their life savings in Prize Bonds, it could do with some diversification. You would be better to find out before telling them they are absolutely crazy.

PB2018

Wins on 21st February 2020: €0
Last win - 3rd January 2020: €50
Weeks since last win: 7
€134k invested in prize bonds since July 2017
Win ratio: 15 wins in 138 weeks (11%)
2017 (Jul-Dec): 5 x €50 = €250
2018 (Jan-Dec): 4 x €50 = €200
2019 (Jan-Dec): 5 x €50 = €250
2020 (Jan-date): 1 x €50 = €50

Snickers Man

pbwinner wrote: »

Winnings on 7th February 2020: €0
Last win 23rd August 2019: €50
Total winnings on €25k from Feb 2011 to date: €2900
2011: €75 x 4 €300
2012: €75 x 6 €450
2013: €50 x 12 €600
2014: €50 x 9 €450
2015: €50 x 5 €250
2016: €50 x 5 €250
2017: €50 x 4 €200
2018: €50 x 2 €100
2019: €50 x 6 €300
2020: €0

So I work that out as a 1.3% annual return over nine years.

Would leaving 25k in a savings account not do better than that?

pbwinner

Snickers Man wrote: »

So I work that out as a 1.3% annual return over nine years.

Would leaving 25k in a savings account not do better than that?

Depends if you win the €1,000,000