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Julie1962
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Julie1962 is offline
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05-11-2017, 06:32 PM
181

Re: Premium Bonds

What's that supposed to mean ?
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Muddy
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05-11-2017, 07:45 PM
182

Re: Premium Bonds

I won £25 this month.
Yes its a very poor return whereas investing in the stock market these last three months would have brought huge returns.
However it could also go the other way and make a huge loss
.
Unfortunately PBs also lose money with inflation.
Inflation is at 3% and the win rate is 1.15% IF you are lucky.
of course there is a small ( very small ) chance you could win a million.
ruthio
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05-11-2017, 08:12 PM
183

Re: Premium Bonds

Julie here's the other thread...http://www.over50sforum.com/showthre...+bonds&page=18
Julie1962
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05-11-2017, 08:14 PM
184

Re: Premium Bonds

Originally Posted by ruthio ->
Julie here's the other thread...http://www.over50sforum.com/showthre...+bonds&page=18
Well spotted Ruthio I did look for it just escaped me
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Muddy
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06-11-2017, 10:34 AM
185

Re: Premium Bonds

Just to show the vast difference in PBS and other kinds of investment .

£1000 in PBS at an average win would earn you 1.9%
£1000 invested in the stock market in a fund could earn you far more.
Fundsmith Equity Fund returned 24.9% this year .
That's £249 pounds on every £1000

Of course there is a risk -you could lose some of your money if it fails .
And you could win the million on the PBS

Yer pays yer money and takes yer choice !
Julie1962
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06-11-2017, 10:54 AM
186

Re: Premium Bonds

When our inheritance was invested prior to being shared out the stocks lost over half the capital for a good two years, we had to thank our lucky stars it had come back up to a reasonable level before we sold the stocks.

As it was we only lost about £20,000 but once that was shared the main thing we wanted was certainty and no risk. I know bil put his straight back into stocks and it's been interesting he's had to come to us twice for help as his capital is worth so much less now than when he invested it.
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06-11-2017, 10:58 AM
187

Re: Premium Bonds

There is always risk in the stock market but in the past years it has boomed .
The thing is never to risk money you need or could not live without .
Never risk your shirt
The other thing is to have a diverse portfolio.
Many people do this via funds which means you can invest in many shares at once .
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OldGreyFox
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20-11-2017, 06:20 PM
188

Re: Premium Bonds

Old Foxy would like to point out that he has just received a £25 win from his premium bonds......And they've only been in a month..........That's half way to the annual interest it would make if I'd bunged it in the bank at the present rate of interest.....And there is still eleven months to go....Looking good.....
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Mags
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20-11-2017, 06:22 PM
189

Re: Premium Bonds

Originally Posted by OldGreyFox ->
Old Foxy would like to point out that he has just received a £25 win from his premium bonds......And they've only been in a month..........That's half way to the annual interest it would make if I'd bunged it in the bank at the present rate of interest.....And there is still eleven months to go....Looking good.....
You lucky man Bob, spend it well
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OldGreyFox
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20-11-2017, 08:22 PM
190

Re: Premium Bonds

Originally Posted by Mags ->
You lucky man Bob, spend it well
Thanks Mags, can't wait to see what Realist will say.....
 
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