€25k invested in prize bonds

FoolsGold1

Yes, your bonds will be entered in the draw each week (Friday) when (as you say) "if lucky" you could win varying amounts from €50 to €20,000. You will not lose your bond money - what you will lose is any interest you might have accrued had you invested wisely elsewhere! There is also a matter of inflation as time goes on. You take your chance with everyone else and, who knows, you might win the million which is drawn last draw of each month. Worth 'gambling' on your lost interest?

Username Exists.

Winnings on two prize bonds that i got for my 21st birthday 17 years ago €0.00

pbwinner

Winnings from today's draw: €50
Total winnings since Feb 2011 on €25k: €1100

Crimson King

Winnings from today's draw: €0
Total winnings since May 2012 on €3600: €150

Agent Smyth

Winnings from 22/03/13 draw €0
Last win 15/03/13 €50
Total wins 2013 €150
Total wins 2012 €375

XrayMike235

Winnings from todays draw: €0
Total winnings since October 2008 on €18K: €1250

Date of last win: Jan 4th (€50)

FoolsGold1

Winnings from today 22/3/13 - Nil
Last win(s) 15/3/13 - 3 x €50
Total winnings in 2013 - €400

gabbytheking

XrayMike235 wrote: »

Winnings from todays draw: €0
Total winnings since October 2008 on €18K: €1250

Date of last win: Jan 4th (€50)

If you put your money in Kerry Group on the 22nd of October 2008 it would now be worth €46,800. :pac:

leonards

gabbytheking wrote: »

If you put your money in Kerry Group on the 22nd of October 2008 it would now be worth €46,800. :pac:

IF.......

WhiteMan32

Winnings from yesterday's draw: €0
Total winnings since Feb 2012 on €12k: €200

A P

leonards wrote: »

IF.......

Liam Brady put it best in this clip! http://www.youtube.com/watch?v=GyiAjUR6Obg

Agent Smyth

And if they put their money into Bank of Ireland in Oct 08.

FoolsGold1

Winnings from today's draw 28/3/13 = 1 x 50
Last winnings 15/3/13 - 3 x 50
Total winnings 2013 - €450

Agent Smyth

Winnings from 28/03/13 draw €50
Last win 15/03/13 €50
Total wins 2013 €200
Total wins 2012 €375

hairyprincess

Winnings from todays draw: €0

Total winnings since Feb 2010 on €500: €150
Total winnings since Feb 2011 on €50: €0

pbwinner

Winnings from today's draw (in lieu of Good Friday): €0
Total winnings since Feb 2011 on €25k: €1100

WhiteMan32

Winnings from yesterday's draw: €0
Total winnings since Feb 2012 on €12k: €200

gabbytheking

Fair enough so excluding Kerry which is a share I personally have interest in you could have put it in any of the following Irish and UK companies with a good return Elan 21558, Ryanair 52000, Glanbia 48000 and CRH 23079 Paddy Power 18500 Greencore 96371. All excluding dividends which in the majority of cases outperformed the Winnings quite comfortably in most cases. Anything except a bank share would have trived and even with a bank share in a portfolio of Blue chips from ISEQ and LSE you would have neeted a better return. Say you include Anglo AIB and BOI with the above companies with an even spread for each entity of €2,000 per company the 6k bank shares may be worth say €45 today you would still have had a return of 28,878 excluding dividends of probably in excess of €3,000 over the 4.5 years. Now these are random companies I could have included others like Kerry, Smurfit, Kingspan, Aviva etc that may have performed better/worse but I would have been here for ages(Not Eircom or Aer Lingus as everybody knows not to touch Semi States long term even though I'd say Aer Lingus did ok over the 5 years). Don't forget Prize Bonds aresn't exactly safe they are Irish government bonds after all

FoolsGold1

Thank you for this erudite analysis. I'm digesting it with breakfast and the possibilities are endless, especially as I am well-named .. FoolsGold1 .. but I freely admit that I haven't yet managed to net any worthwhile fish. Thank you again.

Agent Smyth

But do any of those companies do a weekly draw

Lando Griffin

Agent Smyth wrote: »

But do any of those companies do a weekly draw

Paddy Power do them every second

gabbytheking

Agent Smyth wrote: »

But do any of those companies do a weekly draw

HA! Not sure about that one even with Paddy Power! I would keep in mind though that In deflationary times Bonds aren't too bad but in inflationary markets watch out as the economy will out grow your Bonds every time. My granddad had £200 worth of £1 prize bonds in his will purchased 1974 when he and my gran passed away we recieved approximately €254 cash for what in Present value would probably have been the equivilant of maybe €5,000(Free to be corrected here). We asked if we could get the bonds transfered to our name or valued at the current cost per bond but not a chance.

Hey it doesn't matter and its easy to talk if anyone finds that info useful great job if they don't and they want to partake in the free lottery thats your opportunity cost of the lotto maybe you'll come away with the 1/4 of a million and fair play but there's no harm in giving the other side of the argument also. Say what you will about shares but by the looks of Cyprus and this Hanging Anglo liquidation they look safer than bonds or savings at the minute!!! I wouldn't worry though as the bonds a little gold mine for the government so they will protect them at all costs I believe.

XrayMike235

Winnings from last draw: €50
Total winnings since October 2008 on €18K: €1300

Date of previous win: Jan 4th (€50)

Agent Smyth

I think it is very easy to look back and cherry pick the stocks and shares that have performed well since Oct 08,
If I remember correctly a lot of companies had low share prices around that time due to different events happing around the world.
If you were to take that 18K now and invest it in Kerry or the several other companies you picked, it would be interesting to see in four and a half years what the return would be, I personally think it wouldn't be as good but I'm no expert

gabbytheking

Agent Smyth wrote: »

I think it is very easy to look back and cherry pick the stocks and shares that have performed well since Oct 08,
If I remember correctly a lot of companies had low share prices around that time due to different events happing around the world.
If you were to take that 18K now and invest it in Kerry or the several other companies you picked, it would be interesting to see in four and a half years what the return would be, I personally think it wouldn't be as good but I'm no expert

Think you've just come up with an idea for a new blog and let the Prize bond people get back to enjoying their winnings. Although I didn't cherry pick them they just came into my head as sensible investments and I went and got the figures. And I did mix them with 33% failures in a portfolio. You'll be ok with the umbrellas and ice-cream as old saying goes re portfolio theory. I didn't think of 1 bad one except maybe Elan and Paddy Power (Elan was deflated until recently much the same as Paddy Power). I think putting €500 in BOI at .17c per share might be interesting! Especially if you could hedge it with some Food Glanbia and Gas companies. I wouldn't put any more money into kerry IMO there an inflated blue chip on the ISEQ right now benefiting from the exodus of money from the banks as soon as the bearish market dies they will reduce imo. Glanbia/Greencore are the one's i'd go for! Greencore 500% price increase over 4 years my god!!! What do ye think? Using words like Cherry Pick I detect a reference to FRS15 and accounting studies

pbwinner

Winnings from today's draw (in lieu of Good Friday): €0
Total winnings since Feb 2011 on €25k: €1100

FoolsGold1

Winnings from today's draw, 5/4/13 - Nil
Last win 28th March - 1 x €50
Winnings for 2013 - €450.

Agent Smyth

Winnings from 05/04/13 draw €50
Last win 28/03/13 €50
Total wins 2013 €250
Total wins 2012 €375

XrayMike235

Winnings from todays draw: €0
Total winnings since October 2008 on €18K: €1300

Date of last win: March 29th (€50)

hairyprincess

Winnings from todays draw: €0

Total winnings since Feb 2010 on €500: €150
Total winnings since Feb 2011 on €50: €0

WhiteMan32

Winnings from yesterday's draw: €0
Total winnings since Feb 2012 on €12k: €200

Agent Smyth

If my figures are correct it would seem the PB fund is about 1,717,511,111 euro at the end of Mar 13
so now over 1.7 billion and if the growth keeps going we should hit 2 billion before the end of the year.
Which means at the moment there are about 274,801,778 bonds.

During March I reckon the PB fund grew by 20,568,889 euro,
Which means there will be an extra 3,291,022 bonds in each draw during April compared to March

I would estimate that at the moment there is 1,082,573 euros worth of new bonds been bought each working day
(My figures don't include bonds that have been cashed in so this could be higher)

cold case

So sick of the "Sorry!" every week. . . .

Cute Hoor

€50 win, PB bought February 2005.

Winnings to date (no winning records kept pre 2005) €775 on €6,900 worth of PB's bought monthly over a 14 year period.

phoenix999

Won a total of €150 to date on €7,500 in prize bonds held since 2010.

Meanwhile my 30,000 Bank of Ireland shares have almost doubled in value since I bought them 2 years ago.

oaklands

Below are 2 charts showing the growth in Prize Bonds Monthly & Annually. The Fund size is shown in Green and the Monthly or Annual Growth is shown in Orange.

The scale for fund size is on the left & the scale for growth is on the right.

pbwinner

phoenix999 wrote: »

Won a total of €150 to date on €7,500 in prize bonds held since 2010.

Meanwhile my 30,000 Bank of Ireland shares have almost doubled in value since I bought them 2 years ago.

You seem a bit stupid for keeping the prize bonds then, doesn't it! Perhaps you should cash them in a buy more shares in BoI - you can't lose with bank shares.

pbwinner

Winnings from today's draw: €0
Total winnings since Feb 2011 on €25k: €1100

WhiteMan32

Winnings from yesterday's draw: €0
Total winnings since Feb 2012 on €12k: €200

FoolsGold1

Winnings from today's draw, 12/04/13, 1 x €50
Last win 28th March 1 x €50
Total winnings in 2013 €500

hairyprincess

Winnings from todays draw: €0

Total winnings since Feb 2010 on €500: €150
Total winnings since Feb 2011 on €50: €0

Agent Smyth

Winnings from 12/04/13 draw €0
Last win 05/04/13 €50
Total wins 2013 €250
Total wins 2012 €375

XrayMike235

Winnings from todays draw: €0
Total winnings since October 2008 on €18K: €1300

Date of last win: March 29th (€50)

Agent Smyth

Winnings from 19/04/13 draw €0
Last win 05/04/13 €50
Total wins 2013 €250
Total wins 2012 €375

pbwinner

Winnings from today's draw: €0
Total winnings since Feb 2011 on €25k: €1100

FoolsGold1

Winnings from today's draw, 19/04/13 - Nil
Last win 12/04/13 - €50
Total winnings 2013 - €500.

WhiteMan32

Winnings from yesterday's draw: €0
Total winnings since Feb 2012 on €12k: €200

alco22

Finally after 13 month i have my second win, have built up 8,300 gradually since Jul 2009, winnings now 125 euro
1 x 75 mar 2012
1 x 50 apr 2013

hairyprincess

Winnings from 19/04 draw: €0

Total winnings since Feb 2010 on €500: €150
Total winnings since Feb 2011 on €50: €0

oaklands

alco22 wrote: »

Finally after 13 month i have my second win, have built up 8,300 gradually since Jul 2009, winnings now 125 euro
1 x 75 mar 2012
1 x 50 apr 2013

@alco22: 8,300 bonds or Euros?

With €8,300 euros or 1,328 bonds invested - 'on average' you should win €50 2.27 times per year and €100 every 7.7 years. (based on probabilities for April'13)

However, If you actually have 8,300 bonds then your win rate is way off!