€25k invested in prize bonds

First win of 2026, 1 x €75 today. New bond numbers commence BKC630

€50k gone to Cork. 12no. of the 20no. €1,000 prizes gone to Dublin.

Crypto and (Prize) Bonds are very difference classes of asset/investment, with very different return potential.

Crypto offers the possibility of spectacular profits, but also the possibility of spectacular losses. It offers no capital security, meaning that you could loose all of your investment. Bonds in general offer the possibility of modest and predictable returns and capital security, and in the case of prize bonds also offer the possibility of a large win (though this is a very remote possibility).

If you have a large investment in prize bonds you can currently expect a return in the region of .77% approx. with an outside chance of a large prize. If you have a small investment (such as accumulating a holding by investing €50 per month) you are unlikely (unless very lucky) to see any return(prizes). This is more like using it as a savings scheme, with an entry in the Lotto, but you don't loose the price of a ticket every week.

Good luck if you decide to buy prize bonds.

There is an additional issue with Premium Bonds for those who are investing/operating in Euro. The currency exchange risk shouldn't be ignored and it could well eliminate any gains. Also bear in mind that the investment ceiling is low compared to prize bonds, being a max of GBP 50k.

Ask About Money have redesigned their Best Buys pages since I last looked. Those BankInter (previously called Avant Money, before that MBNA) products are open to the first 1,500 applicants. I have my credit card with them and they sent me a message recently.

https://www.askaboutmoney.com/threads/savings-best-buys.90481/

€150 (2 x €75) for me today. The winning bonds were from two batches bought one day apart in May 2023.

€50k gone to Meath. Dublin took 10no. of the 20no. €1,000 prizes and the UK got 2no. €1,000 prizes.

I think this is a very interesting, fair and honest post. Well done on your analysis and finding out what is right for you and thanks for sharing. A lot of people find watching the daily moves in their market investments almost hypnotic, with elation on the good days and heart sinking on the poor ones. I have a wide spread of assets in my portfolio, and while I have a lot in cash and bonds, I also have money in the market. But that is money that I won't need for a long time, and so I know that I can weather any normal dips and drops and bide my time while stocks recover. I can put it out of my mind and sleep at night. I wouldn't go near the markets with any money that I was likely to need in the next 5 years. You'd go nuts watching the value going up and down as the markets respond to whatever trump posts while sitting on the throne for his 5am bowel movement.

€150 (2 x €75) for me again today. One of the winning bonds was from the same batch as one of last week's winners, just 211 numbers apart. And the other winner today was one of the bonds issued for last week's prize reinvestment (BKD694xxx) !!

Monthly €500k gone to Dublin and weekly €50k gone to Kerry. Dublin took 9no. of the 20no. €1,000 prizes.

Nothing for me today. Monaghan the lowest number of winners, nearly always Leitrim or Longford. 6 winners in Fermanagh, 3 to the same person. Those bonds are worth €13,750.

Prize Value Winning Prize Bond Location

€75.00 AJJ996119 Fermanagh

€75.00 AJJ996977 Fermanagh

€75.00 AJJ994777 Fermanagh