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€25k invested in prize bonds

1114115117119120195

Comments

  • Registered Users Posts: 2,994 ✭✭✭Taylor365


    tobdom wrote: »
    30k in bonds purchased mid to late Jan, so in for about the last 4 or 5 draws..... €50 won today!
    Long may it continue!! :) (I'm aware it won't, based on this thread)
    Ah, the olde "new bond" winning technique!


  • Registered Users, Registered Users 2 Posts: 21,562 ✭✭✭✭dxhound2005


    Nothing for me today. Referring to part of the discussion above, the money allocated to €50 prizes gives a return of 0.34%, with average luck. As per my post on Page 376.


  • Registered Users, Registered Users 2 Posts: 6,931 ✭✭✭Cork Lass


    Nothing for us this week :(


  • Registered Users, Registered Users 2 Posts: 1,694 ✭✭✭Hibernicis


    Nothing for me today. Referring to part of the discussion above, the money allocated to €50 prizes gives a return of 0.34%, with average luck. As per my post on Page 376.

    More than happy to accept that your figure is more accurate. I was working from memory and wanted to err on the side of caution. Thanks


  • Registered Users Posts: 657 ✭✭✭Andrew Flexing


    No Joy. I had 4 wins this time last year.

    2020
    Jan: :mad::mad::mad::mad::mad:
    Feb: :D:mad::mad::mad:

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



  • Registered Users Posts: 841 ✭✭✭pbwinner


    Winnings on 28th 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


  • Registered Users, Registered Users 2 Posts: 2,093 ✭✭✭tuisginideach


    And 'same as' again :(:(
    And 'same as' again :(:(:(


  • Registered Users, Registered Users 2 Posts: 2,093 ✭✭✭tuisginideach


    No Joy. I had 4 wins this time last year.

    2020
    Jan: :mad::mad::mad::mad::mad:
    Feb: :D:mad::mad::mad:


    I had 1 last year in Jan/Feb and 1 this year. :(:(:(


  • Registered Users Posts: 272 ✭✭PB2018


    Wins on 28th February 2020: €0
    Last win - 3rd January 2020: €50
    Weeks since last win: 8
    €134k invested in prize bonds since July 2017
    Win ratio: 15 wins in 139 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


  • Registered Users, Registered Users 2 Posts: 1,694 ✭✭✭Hibernicis


    Winnings on 28th February €100 (2x€50)
    Last win: 17th January €50
    Weeks since last win: 6

    2017 (Jul-Dec) - €100k – 7x€50 = €350
    2018 (Jan-Dec) - €200k – 12x€50 = €600
    2019 (Jan-Dec) - €250k – 20x€50 = €1,000
    2020 (Jan-Jan) - €252k - 6x€50 = €300


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  • Registered Users, Registered Users 2 Posts: 21,562 ✭✭✭✭dxhound2005


    €50 for me today from my Big Bunch. And again from the lucky MC930 subset, which I posted about last year. Today's winner is just 6 numbers away from the one in April last year.

    Up to date as of Friday 28 February 2020

    28 Feb 2020
    Prize Bond Number Value of Prize
    MC930990 €50

    30 Aug 2019
    Prize Bond Number Value of Prize
    MC930616 €50

    28 Jun 2019
    Prize Bond Number Value of Prize
    MC930566 €50

    14 Jun 2019
    Prize Bond Number Value of Prize
    MC930020 €50

    05 Apr 2019
    Prize Bond Number Value of Prize
    MC930984 €50


  • Registered Users, Registered Users 2 Posts: 6,931 ✭✭✭Cork Lass


    Nothing for us this week :(


  • Registered Users, Registered Users 2 Posts: 2,137 ✭✭✭Living Off The Splash


    Had a win today but I didn't get a cheque in the post. I always looked forward to getting my win by way of cheque.

    Since February, all wins are automatically re-invested unless you want the funds lodged directly in to your bank account.

    So, today, I got 8 new Prize Bond in place of my €50 cheque. Not happy. I have enough Prize Bonds and don't need any more.

    I hold multiple Prize Bonds going back to the 1970's. Many were bought in different batches and not linked to each other.

    I now have to get multiple Prize Payment Option Forms, complete these and send them back.

    Honestly, the time has come to start cashing these in as they have been pretty useless over the years with some never winning in 50 years.

    So I will be collecting Prize Bond Repayment Forms and sending them in......unfortunately lots of admin involved.


  • Registered Users, Registered Users 2 Posts: 21,562 ✭✭✭✭dxhound2005


    I have been getting €75's and €50's reinvestments going back to 2007. I record them all on the Prize Bond Tracker on the website.

    A few years ago at Christmas I cashed in 40 of the €75's. I edited the Tracker to print them out, and attached that list to the repayment form. I had phoned them to see if that was acceptable. Probably a separate sheet listing the bonds to be cashed would be OK, but contact them first.

    Edit: Cash in the Euro bonds and keep the IR£. They have a slightly better chance of winning.


  • Registered Users, Registered Users 2 Posts: 1,694 ✭✭✭Hibernicis


    I now have to get multiple Prize Payment Option Forms, complete these and send them back.

    What dxhound2005 said. I cashed-in a batch of over 100 certificates (a mix of wins and monthly dd purchases) a couple of years ago. The envelope (registered post) going to PB contained the following (1) One Repayment form (2) 115 certificates (3) a sheet listing the certificates showing the start and end of the number range shown on the cert. The money was in my bank account within a week.

    This is actually stated on the Repayment Form "If all bond numbers cannot be accommodated in the spaces above please attach an additional sheet listing the relevant bond numbers."


  • Registered Users, Registered Users 2 Posts: 1,694 ✭✭✭Hibernicis


    Those of us who reinvest our winnings get two letters. One saying we have won, and the new bond in a separate letter. Over the years I have often got both letters on the same day in the post. Happened today for my win on 24 Jan.

    I sent an email to Prize Bonds suggesting that one letter is enough. People who opted for cheque got only one letter. With so many more going to be reinvestments now I think it makes sense.

    Looks like you succeeded !! My cert for last Friday's win arrived in this morning's post. No pointless separate letter in sight.

    Lets hope the put the admin savings directly into the prize fund :)


  • Registered Users, Registered Users 2 Posts: 21,562 ✭✭✭✭dxhound2005


    I got my second one today since the changeover, no separate letter. Up to the AQV208xxx series now.

    I wouldn't bother setting up any bonds under €1,000 on a bank account. The worst thing that could happen is that they will win in 10 or 20 years time, and the person will get some new bonds. In the meantime the account could have gone dormant, or the bank might even go out of business.

    The main thing is to notify any change of address or bank account. There are millions of Euro in unclaimed prizes / uncashed cheques. Reinvestment doesn't necessarily guard against new bonds not being delivered. But it saves the Prize Bond Company from having to account for uncashed cheques dating back for years in their annual accounts. The prize will always belong to the winner.


  • Registered Users, Registered Users 2 Posts: 2,093 ✭✭✭tuisginideach


    And 'same as' again :(:(:(
    and again and again :(:(:(:(


  • Registered Users Posts: 272 ✭✭PB2018


    Wins on 6th March 2020: €0
    Last win - 3rd January 2020: €50
    Weeks since last win: 9
    €134k invested in prize bonds since July 2017
    Win ratio: 15 wins in 140 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


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  • Registered Users Posts: 657 ✭✭✭Andrew Flexing


    No Joy.

    2020
    Jan: :mad::mad::mad::mad::mad:
    Feb: :D:mad::mad::mad:
    Mar: :mad:

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



  • Registered Users, Registered Users 2 Posts: 17,999 ✭✭✭✭Thargor


    Nothing in 2 weeks on 100k.


  • Registered Users, Registered Users 2 Posts: 21,562 ✭✭✭✭dxhound2005


    Another €50 for me today from the Big Bunch.

    Prize Value Winning Prize Bond Location

    €50 MC933124 Louth

    5084 €50 prizes every week in March, up from 5050 in February.


  • Registered Users Posts: 841 ✭✭✭pbwinner


    Winnings on 6th March 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


  • Registered Users, Registered Users 2 Posts: 21,562 ✭✭✭✭dxhound2005


    A fair sprinkling of two letter prefixes today in the €1,000 and €500 winners. And the €50K went to a DJ bond in Galway from before the Euro.

    But three letter winners now well outweigh the two and one letters. Even though they only started in July 2015 with the first AAA. It shows how much money has flowed into the fund in the last few years. The newest winner today is AQW567858.

    2899 three letter winners today out of 5105, which is close on 57%. The other 43% are bonds dating back from mid 2015 to 1957.


  • Registered Users, Registered Users 2 Posts: 300 ✭✭carrickbawn


    When I had totally given up hope and not even bothering to check some weeks,up pops a winner today. €50 euro from a small batch bought in October.
    Better than nothing.


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  • Registered Users, Registered Users 2 Posts: 2,093 ✭✭✭tuisginideach


    When I had totally given up hope and not even bothering to check some weeks,up pops a winner today. €50 euro from a small batch bought in October.
    Better than nothing.




    Hopefully it's the start of a good run for you carrickbawn - you have waited long enough!


  • Registered Users, Registered Users 2 Posts: 6,931 ✭✭✭Cork Lass


    Nothing for us this week


  • Registered Users, Registered Users 2 Posts: 1,694 ✭✭✭Hibernicis


    Winnings on 6th March €50
    Last win: 28th February €100 (2x€50)
    Weeks since last win: 1

    2017 (Jul-Dec) - €100k – 7x€50 = €350
    2018 (Jan-Dec) - €200k – 12x€50 = €600
    2019 (Jan-Dec) - €250k – 20x€50 = €1,000
    2020 (Jan-Mar) - €252k - 7x€50 = €350


  • Registered Users, Registered Users 2 Posts: 2,057 ✭✭✭Icsics


    I haven’t won for about 18mths, won €50 this week & last...mustn’t get used to it!!


  • Registered Users Posts: 3 AlCalde


    STILL nothing for me.

    Will be withdrawing the 20K by the end of the year.
    Haven't won a cent since 2018.

    €3.5B total with 560,000,000 worth of bonds.


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  • Registered Users, Registered Users 2 Posts: 1,788 ✭✭✭Cute Hoor


    JMMCapital wrote: »
    Prize bond people tend to be the most risk averse you will every meet. I've recommend several times that they invest the money elsewhere but they won't listen.. US equities up 32% alone this year imagine if you had that money invested rather than sitting there in prize bonds earning maybe 300-500 euro in the whole year off 100k+ not even half a percent return...
    Cute Hoor wrote: »
    It's quite possible that the people here who have money invested in Prize Bonds also have money invested elsewhere (I certainly have) availing of those bumper one year returns.

    Of course we are seeing those 32% US equities return with hindsight, there were a lot of people predicting a share collapse in 2019 a year ago, who knows what will happen in 2020? Also of course not every share came out smelling of roses (+32%) in 2019 - for example, I stuck up 5 shares in the 'Share Picks 2019' thread back in January, one of them has dropped by about 60% in the year, another has dropped by 10%, it's quite likely that there are many more examples one could pick out if you went back through the 'Share Picks 2019' thread or indeed elsewhere.

    There were a lot of experts decrying any remotely conservative investor for not investing in bank shares backintheday as their SP increased by double digit figures year on year. A lot of those clever investors lost their shirt and more. Meanwhile the PB holders plodded along keeping their capital safe, winning the odd prize, sleeping easy at night dreaming of the big one next Friday.

    Each to their own, the PB holders will still have their capital at the end of 2020 guaranteed, nobody knows for sure (I presume) how the holders of other asset classes will have fared by then.

    Happy New Year to all investors, risk takers and PB holders

    Who'd have thought how quickly things would change, you just never know what's around the corner.


  • Registered Users, Registered Users 2 Posts: 1,103 ✭✭✭manonboard


    Dont know if i seen a day this bad even in 2007


  • Registered Users, Registered Users 2 Posts: 1,788 ✭✭✭Cute Hoor


    manonboard wrote: »
    Dont know if i seen a day this bad even in 2007

    Hard to see how things are going to improve short term, many more countries will probably have to follow Italy's belated action


  • Registered Users, Registered Users 2 Posts: 1,694 ✭✭✭Hibernicis


    I'd love to see the general run of bonds which are winning for you - could you screenshot your 'Find Winners' list and show us - just to see the age of the various bonds?

    As promised (twelve months later) I finally did some work on this, looking at winnings vs holdings

    Batch Name|Purchased|Bonds in Batch|2017 Wins|2018 Wins|2019 Wins|2020 Wins|Total Wins
    |||||||
    Large||||||||
    KK861|2009/Apr|800|2||1||3
    AIC95|2017/Aug|8,000|2|3|3|2|10
    AID61|2017/Aug|3,200||2|2||4
    AID82|2017/Aug|1,600|1||||1
    AIV76|2017/Oct|8,000|1|4|6|1|12
    AIW28|2017/Oct|8,000||1|4|2|7
    AJI32|2017/Dec|960||1|||1
    AMT48|2018/Dec|8,000||1|3|2|6
    Sub Total||38,560|6|12|19|7|44
    |||||||
    Small|||||||
    AHO89|2017|40|1||||1
    AMM42|2018|8|||1||1
    Other*95|Various|1,728|||||
    Sub Total||1,776|1||1||2
    |||||||
    Total||40,336|7|12|20|7|46

      Overall Conclusion
      My winning experience (total portfolio) in 2018 was .30% (€600/€200,000) and in 2019 it was .40% (€1,000/€250,000) which is broadly in line with the .34% return postulated by dxhound2005. This return starts to become reasonably reliable once the batch size reaches 8,000 bonds (€50K) but 16,000 bonds (€100k) would be better again. (I'm beyond doing the standard deviation calculations necessary to work out the actual probability and margin of error). The smaller batches, 3,200 bonds (€20k) and below, are very unreliable when it comes to a return, falling firmly into the "all duck or no dinner" bucket

      Notes/Comments
      [*]All prizes were €50
      [*]The "Other*95" line represents an additional 95 batches (certificates) dated between 2000 and 2019, each being for between 4 and 40 bonds. These are the result of recurring DD purchases and reinvestment of winnings. None of these had winnings during the period 2017-2020
      [*]Prizes prior to 2017 excluded
      [*]All winnings reinvested
      [*]No single bond number won on two or more occasions
      [*]One reinvested winning went on to win (Win reinvested in Oct 2014 won in Apr 2015) so outside the time period I am analysing but worth mentioning
      [*]I hold another block of approx 900 bonds which are exclude from the above. This batch contains a mix of very old bonds and some newer ones. These won €50 in the period 2017-2020

      And for the conspiracy theorists among us:
      [*]The win rate in the 97 small batches (in total) appears to be in line with the win rate in the large batches
      [*]Older bonds appear to be as likely to win as newer ones


      I'd be interested in any feedback.

      It took a bit of manual editing to make the auto-generated table legible, so apologies if I introduced any errors in the figures while doing this


    • Registered Users, Registered Users 2 Posts: 2,093 ✭✭✭tuisginideach


      20 wins in 2019 - lucky person!


    • Registered Users, Registered Users 2 Posts: 21,562 ✭✭✭✭dxhound2005


      2019 is the first year on their chart with the full €252K. 20 wins is not much above what I would expect with average luck. What is less likely is that they will continue the average for 2020, 7 wins in the first 10 draws. That would give 35 wins in the year.

      Then again pbwinner got 6 wins with €25K in 2019, so 60 wins for Hibernicis could be possible this year.


    • Registered Users, Registered Users 2 Posts: 2,093 ✭✭✭tuisginideach


      Yes I understand that dxhound2005 (and I always enjoy your calculations), but 20 wins in 2019, and 7 wins so far in 2020 is (proportionately) well above what I got.


    • Registered Users, Registered Users 2 Posts: 1,694 ✭✭✭Hibernicis


      ......so 60 wins for Hibernicis could be possible this year.

      I wouldn't want that, it would be far too greedy and I'd be denying my friends here their fair share of prizes. Based on 20 wins in 2019 I'd settle for 21 this year, that is 20x€50 and the 1x€1m in December (or June, I'm not the fussy type)


      My win pattern this year to date has been very odd:

      10-Jan-20 - 3x€50
      17-Jan-20 - 1x€50
      28-Feb-20 - 2x€50
      06-Mar-20 - 1x€50 (not included in the above calcs)

      I'd agree that that is not sustainable.


    • Registered Users Posts: 272 ✭✭PB2018


      Wins on 13th March 2020: €0
      Last win - 3rd January 2020: €50
      Weeks since last win: 10
      €134k invested in prize bonds since July 2017
      Win ratio: 15 wins in 141 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


    • Registered Users, Registered Users 2 Posts: 2,093 ✭✭✭tuisginideach


      and again and again :(:(:(:(


      and again and again and again:(:(:(:(


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    • Registered Users, Registered Users 2 Posts: 21,562 ✭✭✭✭dxhound2005


      Congratulations!

      Your saved Prize Bond numbers have won €100.00 since you last logged in.

      All prize winners are contacted following each draw. To ensure that you can be notified of any winnings, it is important that you inform us if you change address. Prizes will be paid to you as per your existing instructions. Any winnings may now be transferred either direct to your Bank Account or reinvested in new Prize Bonds, as instructed by you. Any queries regarding prize winnings can be made to Prizebonds@StateSavings.ie or to The Prize Bond Company DAC, FEXCO Centre, Killorglin, Co. Kerry, V93 WN9T

      It's nice to get this message on the screen. Two more wins from the Big Bunch, four in the last three weeks.

      Prize Value Winning Prize Bond Location
      €50 MC927658 Louth
      €50 MC937587 Louth


    • Registered Users Posts: 657 ✭✭✭Andrew Flexing


      No Joy.

      2020
      Jan: :mad::mad::mad::mad::mad:
      Feb: :D:mad::mad::mad:
      Mar: :mad::mad:

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



    • Registered Users, Registered Users 2 Posts: 1,694 ✭✭✭Hibernicis


      Winnings on 13th March €50
      Last win: 6th March €50
      Weeks since last win: 1

      2017 (Jul-Dec) - €100k – 7x€50 = €350
      2018 (Jan-Dec) - €200k – 12x€50 = €600
      2019 (Jan-Dec) - €250k – 20x€50 = €1,000
      2020 (Jan-Mar) - €252k - 8x€50 = €400

      From my (best performing) AIV76 batch


    • Registered Users, Registered Users 2 Posts: 514 ✭✭✭tobdom


      tobdom wrote: »
      30k in bonds purchased mid to late Jan, so in for about the last 4 or 5 draws..... €50 won today!
      Long may it continue!! :) (I'm aware it won't, based on this thread)


      Nothing more since this, but also haven't received this payout yet.... would that be unusual? How long typically between the draw and payout to bank accounts?


    • Registered Users, Registered Users 2 Posts: 17,999 ✭✭✭✭Thargor


      2X€50 on my 100k today. I really should be cashing them in and getting ready to move into the markets with the massive discounts we're seeing but I also really want a house...


    • Registered Users, Registered Users 2 Posts: 2,093 ✭✭✭tuisginideach


      tobdom wrote: »
      Nothing more since this, but also haven't received this payout yet.... would that be unusual? How long typically between the draw and payout to bank accounts?


      In my one win this year, the money was in on the Friday afternoon I think - or certainly before Monday. Did you get the letter notifying you re the win?


    • Registered Users, Registered Users 2 Posts: 514 ✭✭✭tobdom


      In my one win this year, the money was in on the Friday afternoon I think - or certainly before Monday. Did you get the letter notifying you re the win?


      No, nothing yet. Just checked it online with the bond tracker....

      Emailed them earlier, will see what they say.


    • Registered Users, Registered Users 2 Posts: 300 ✭✭carrickbawn


      Back to the usual “Sorry “ message. :(


    • Registered Users, Registered Users 2 Posts: 6,931 ✭✭✭Cork Lass


      €50 for us this week.


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    • Registered Users Posts: 841 ✭✭✭pbwinner


      Winnings on 14th March 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


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