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€25k invested in prize bonds

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    #4802
    tuisginideach
    Registered Users Posts: 2,053 ✭✭✭tuisginideach


    tuisginideach wrote: »
    I reinvested 2 five figure batches in June. The smaller of the two won €50 today:) , giving me €200 on it since 7th September.
    Edited to correct: The larger of the two (which is three times bigger than the smaller batch) has won 1 X €50 - last July .... all the other batches are still floundering in the bottom of the barrel....

    my overall result for 2017 was .59%

    from Aug 17 to July 18- .36%

    Jan 2018 - Oct 2018 - .25%




    The larger of the two five-figure reinvested batches won €50 today.:)


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    #4803
    Agent Smyth
    Registered Users Posts: 714 ✭✭✭Agent Smyth


    Seems we're both having a good "Black Friday" tuisginideach.
    A €50 win for me today also


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    #4804
    Andrew Flexing
    Registered Users Posts: 657 ✭✭✭Andrew Flexing


    No Joy.
    Weeks since last win: 5

    well done Tuis! Agent S!

    hopefully more wins on Black Friday for those still to check!

    my URBAN EXPLORATION YouTube channel: https://www.facebook.com/ASMRurbanexploration/



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    #4805
    PB2018
    Registered Users Posts: 272 ✭✭PB2018


    Winnings on 23rd November 2018: €0
    Last win: 19th October 2018: €50
    Weeks since last win: 5
    €134k invested in prize bonds since July 2017
    Win ratio: 9 wins in 73 weeks (12%)
    2017 (Jul-Dec): 5 x €50 = €250
    2018 (Jan-date): 4 x €50 = €200


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    #4806
    honeybear
    Registered Users Posts: 5,648 ✭✭✭honeybear


    Nada. Starting to wonder did I ever actually buy prize bonds!!!


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    #4807
    dxhound2005
    Registered Users Posts: 20,571 ✭✭✭✭dxhound2005


    €50 for me today.


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    #4808
    WhiteMan32
    Registered Users Posts: 666 ✭✭✭WhiteMan32


    Another €50 win today on 104k

    Previous win: €50 on 9th November 2018


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    #4809
    Cork Lass
    Registered Users Posts: 6,813 ✭✭✭Cork Lass


    Nothing for us this week :(


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    #4810
    diceyreilly
    Registered Users Posts: 1,135 ✭✭✭diceyreilly


    Just bought a few prize bonds.
    Do they email you if you have won a prize or do you need to enter your bond numbers every week.


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    #4811
    WhiteMan32
    Registered Users Posts: 666 ✭✭✭WhiteMan32


    diceyreilly wrote: »
    Do they email you if you have won a prize or do you need to enter your bond numbers every week.

    No, they don't e-mail (or text) Bondholders after each draw where they are among the winners. Instead, each winning Bondholder is notified by letter.... and this normally arrives with them on the following Tuesday or Wednesday. However, if you register online at www.StateSavings.ie/Prize-Bonds and Add your bond reference numbers, you can log in after 12:30pm on each Friday afternoon to see if you have achieved any wins. This is how many of us are able to post here soon after with details of any wins following the latest PB draw.


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    #4812
    diceyreilly
    Registered Users Posts: 1,135 ✭✭✭diceyreilly


    WhiteMan32 wrote: »
    No, they don't e-mail (or text) Bondholders after each draw where they are among the winners. Instead, each winning Bondholder is notified by letter.... and this normally arrives with them on the following Tuesday or Wednesday. However, if you register online at www.StateSavings.ie/Prize-Bonds and Add your bond reference numbers, you can log in after 12:30pm on each Friday afternoon to see if you have achieved any wins. This is how many of us are able to post here soon after with details of any wins following the latest PB draw.

    Cheers. Will do that now.


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    #4813
    ct5amr2ig1nfhp
    Closed Accounts Posts: 5,019 ✭✭✭ct5amr2ig1nfhp


    18 months invested, 450 euro won, 0.24% per year. Are my calculations correct? Less again if you consider this is late Nov and your win for the year this far is 200.
    About on par with the banks I guess.
    PB2018 wrote: »
    Winnings on 23rd November 2018: €0
    Last win: 19th October 2018: €50
    Weeks since last win: 5
    €134k invested in prize bonds since July 2017
    Win ratio: 9 wins in 73 weeks (12%)
    2017 (Jul-Dec): 5 x €50 = €250
    2018 (Jan-date): 4 x €50 = €200


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    #4814
    vargoo
    Registered Users Posts: 737 ✭✭✭vargoo


    After 7 years we've learned just buy the minimum to be in the draw, do something else with money.

    Close thread?


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    #4815
    Sligo Quay
    Registered Users Posts: 729 ✭✭✭Sligo Quay


    Nothing on black Friday, it's black Friday in every sense, last win October 12th €50.


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    #4816
    Taylor365
    Registered Users Posts: 2,994 ✭✭✭Taylor365


    vargoo wrote: »
    After 7 years we've learned just buy the minimum to be in the draw, do something else with money.

    Close thread?
    Even that is a bad investment of €25.


    Just use them as a savings account is more accurate.


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    #4817
    pbwinner
    Registered Users Posts: 810 ✭✭✭pbwinner


    vargoo wrote: »
    After 7 years we've learned just buy the minimum to be in the draw, do something else with money.

    Close thread?
    There's always next Friday! :o


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    #4818
    pbwinner
    Registered Users Posts: 810 ✭✭✭pbwinner


    Winnings on 16/23 November 2018: €0
    Last win 31st August 2018: €50
    Total winnings on €25k from Feb 2011 to date: €2550
    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


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    #4819
    - bo -
    Registered Users Posts: 824 ✭✭✭- bo -


    I had €25 in bonds bought for me as a gift in December 2007... going on 11 years old and never a cent out of it.


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    #4820
    Agent Smyth
    Registered Users Posts: 714 ✭✭✭Agent Smyth


    I have a bond, purchased around the start of the Prize Bonds in the late fifties, that has neither won a penny or a cent


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    #4821
    tuisginideach
    Registered Users Posts: 2,053 ✭✭✭tuisginideach


    Similar story here - I have a Premium Bond - similar age - have even updated my address - not a pound nor a penny from it. Then again, I have a large amount of Prize Bonds which haven't won a cent either!


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    #4822
    Taylor365
    Registered Users Posts: 2,994 ✭✭✭Taylor365


    - bo - wrote: »
    I had €25 in bonds bought for me as a gift in December 2007... going on 11 years old and never a cent out of it.
    Insert dumb lottery saying - "well, there's always a chance! :) Finger crossed for you! Dream big!"






    ZZZZZZZZZ







    You can hold those bonds til the heat death of the universe and probably be safe never winning anything :D


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    #4823
    el diablo
    Registered Users Posts: 5,745 ✭✭✭el diablo


    LimeFruitGum wrote: »
    Are you sure? The rate of return is random, if not utterly ****e.
    What's the alternative though? Are any banks offering better than approx. 0.1%?
    I've got some funds stuck in a crappy AIB account earning nothing but I'm tempted to just throw it into Prize Bonds...

    We're all in this psy-op together.🤨



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    #4824
    unkel
    Registered Users Posts: 64,878 ✭✭✭✭unkel


    el diablo wrote: »
    I've got some funds stuck in a crappy AIB account earning nothing but I'm tempted to just throw it into Prize Bonds...

    My thoughts exactly a few years ago. I threw it into Prize Bonds back then and I have received €0.00 in winnings so far. Thinking of taking it all out to top up pension contribution to the max in 2019 and stick the rest into DeGiro.


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    #4825
    Sligo Quay
    Registered Users Posts: 729 ✭✭✭Sligo Quay


    el diablo wrote: »
    What's the alternative though? Are any banks offering better than approx. 0.1%?
    I've got some funds stuck in a crappy AIB account earning nothing but I'm tempted to just throw it into Prize Bonds...

    I suppose you could do worse.
    Back to today, nothing this week, last win 12th October €50.....


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    #4826
    Andrew Flexing
    Registered Users Posts: 657 ✭✭✭Andrew Flexing


    No Joy.
    Weeks since last win: 6

    my URBAN EXPLORATION YouTube channel: https://www.facebook.com/ASMRurbanexploration/



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    #4827
    pbwinner
    Registered Users Posts: 810 ✭✭✭pbwinner


    Winnings on 30th November 2018: €0
    Last win 31st August 2018: €50
    Total winnings on €25k from Feb 2011 to date: €2550
    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


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    #4828
    tuisginideach
    Registered Users Posts: 2,053 ✭✭✭tuisginideach


    tuisginideach wrote: »
    The larger of the two five-figure reinvested batches won €50 today.:)
    and another €50 today on the larger batch :)


  • Options
    #4829
    PB2018
    Registered Users Posts: 272 ✭✭PB2018


    Winnings on 30th November 2018: €0
    Last win: 19th October 2018: €50
    Weeks since last win: 6
    €134k invested in prize bonds since July 2017
    Win ratio: 9 wins in 74 weeks (12%)
    2017 (Jul-Dec): 5 x €50 = €250
    2018 (Jan-date): 4 x €50 = €200


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    #4830
    robinwing
    Registered Users Posts: 471 ✭✭robinwing


    is there a maximum figure on the amount you can invest in prize bonds ?


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    #4831
    PB2018
    Registered Users Posts: 272 ✭✭PB2018


    It's quite similar to the banks. The one upside (for me) to prize bonds is that I can get almost immediate access to my savings if required (I think 10 working days).

    For comparison to bank interest rates, over the course of 12 months (from July 17-June 18) my winnings on €134k amounted to €300, which works out at 0.22%.

    I did a very quick search on bank interest rates, looking at instant access and 12 months fixed. KBC has the best instant access rate at 0.25% and PTSB has the best 12 month fixed rate at 0.5%.

    However when you include DIRT (I used the 2018 rate of 37% for simplicity) these rates go down to 0.16% and 0.32% respectively. So my prize bonds (currently) fall somewhere in the middle.

    Dorothy Blue Billionaire wrote: »
    18 months invested, 450 euro won, 0.24% per year. Are my calculations correct? Less again if you consider this is late Nov and your win for the year this far is 200.
    About on par with the banks I guess.


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