Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie

€25k invested in prize bonds

Options
1…255256258260261…318

Comments

  • Options
    #7712
    massdebater
    Registered Users Posts: 2,251 ✭✭✭massdebater


    https://www.boards.ie/discussion/comment/117957290#Comment_117957290

    It's safe in that your money is guaranteed and it's ok to hold cash there for the short term, but it's guaranteed to lose value over longer periods due to inflation so I'd be wary of putting too much in PBs for newcomers.



  • Options
    #7713
    John arse
    Registered Users Posts: 1,951 ✭✭✭John arse


    https://www.boards.ie/discussion/comment/117957835#Comment_117957835

    haha you're spot on with the inflation thing alright.when i said in a safe place i meant somewhere that i won't spend it,i,ve a bit of a penchant for classic cars and get offered a few every month in the trade-hard to resist sometimes.don't worry though it's not a folly their value will double in circa 5-7 years.a great investment if you can appreciate them and know what you're doing.i was looking at property but will steer clear of that for now methinks.good luck.



  • Options
    #7714
    massdebater
    Registered Users Posts: 2,251 ✭✭✭massdebater


    https://www.boards.ie/discussion/comment/117958310#Comment_117958310

    Haha oh yeah it'll save you from yourself if that's what's needed sometimes!



  • Options
    #7715
    sportsfan90
    Registered Users Posts: 631 ✭✭✭sportsfan90


    This week marks a year since I bought my first PBs so here's a quick report.

    My total has fluctuated in the year a little but not massively - I started off on 65k, reduced to 58k for a while before increasing to 68k.

    I got off to a great start with 3 wins in 8 weeks early on so I was well above expected winnings. Since then I've had 1 win in 40 weeks (and counting).

    Taking into account the reduction in the amount of prizes that came into effect early this year, I calculated that the €200 I've won in 52 draws is almost exactly the expected winnings.



  • Options
    #7716
    PB2018
    Registered Users Posts: 272 ✭✭PB2018


    Wins on 1st October 2021: €0

    Last win: 23rd July 2021: €50

    Weeks since last win: 10

    €134k invested in prize bonds since July 2017

    Win ratio: 25 wins in 222 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-Dec): 10 x €50 = €500

    2021 (Jan-date): 1 x €50 = €50



  • Advertisement
  • Options
    #7717
    pbwinner
    Registered Users Posts: 825 ✭✭✭pbwinner


    Winnings on 1st October 2021: €0

    Last win 18th December 2020: €100

    Total winnings on €25k from Feb 2011 to date: €3150

    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: €50 x 5 = €250

    2021: €0



  • Options
    #7718
    dxhound2005
    Registered Users Posts: 21,021 ✭✭✭✭dxhound2005


    Nothing for me today. The number of €50 prizes in the October draws is 4,174 up from 4,149 in September.

    The newest bonds to win on 03 September was AXP564502, 01 October AXV 987577. Sales of around €40 million.



  • Options
    #7719
    Sultan of Bling
    Registered Users Posts: 1,911 ✭✭✭Sultan of Bling


    https://www.boards.ie/discussion/comment/117903700#Comment_117903700

    Nothing again



  • Options
    #7720
    tuisginideach
    Registered Users Posts: 2,066 ✭✭✭tuisginideach


    Nothing again 😩😩



  • Options
    #7721
    pbtracker
    Registered Users Posts: 68 ✭✭pbtracker


    Normal service resumes and back to zero winnings

    Winnings on 1st Oct 2021: €0

    Last win : €50 24th Sept 2021

    Investment : €93K (€77K from Aug 2020, +€15K Apr 2021)

    Winnings Total : €400

    Pre 2020 : €50

    2020 : €200

    2021 : €150



  • Advertisement
  • Options
    #7722
    diceyreilly
    Registered Users Posts: 1,166 ✭✭✭diceyreilly


    Had €50k in for the past year or so. Was keeping it for a deposit for a house. Grand total of €100 won 50x2.

    Found somewhere so cashed the whole lot out. Highly unlikely I’d ever buy any more. The return is brutal.



  • Options
    #7723
    Sultan of Bling
    Registered Users Posts: 1,911 ✭✭✭Sultan of Bling


    I see a report in the indo that people over 66 will face a possible 4% PRSI penalty on savings and dividends.

    I wonder could this apply to NTMA products.



  • Options
    #7724
    Rulmeq
    Registered Users Posts: 1,081 ✭✭✭Rulmeq


    https://www.boards.ie/discussion/comment/117969983#Comment_117969983

    We put €25k in last November, we're going to be taking it out before the end of this month. We didn't get a single win. We put the other half of the deposit into shares and we have a CGT bill for December of €5k. I mean it's safe, but it's not an investment :P



  • Options
    #7725
    silver2020
    Registered Users Posts: 2,045 ✭✭✭silver2020


    https://www.boards.ie/discussion/comment/117969983#Comment_117969983

    A good bank deposit rate is currently 0.15% which would have given you €75 less DIRT tax, so net €53. :)

    Investing it in amazon shares buying on 8th Oct 2020 and selling today would have given you about $200 return

    So in a way, the return was not too bad 😁



  • Options
    #7726
    notsocutehoor
    Registered Users Posts: 482 ✭✭notsocutehoor


    https://www.boards.ie/discussion/comment/117992286#Comment_117992286

    You invested wisely buying the shares and acquiring a CGT bill of €5k. Hindsight of course is 20/20, if you had invested that €25k in Fedex for example back then it would now be worth around €17k (with no CGT bill) while your prize bonds would still be worth €25k



  • Options
    #7727
    Rulmeq
    Registered Users Posts: 1,081 ✭✭✭Rulmeq


    https://www.boards.ie/discussion/comment/117992498#Comment_117992498

    Yep, totally, himself would have been rather annoyed had I risked everything :D

    I'm happy enough that we did alright out of it, it means we can borrow less too, which is great.



  • Options
    #7728
    pbwinner
    Registered Users Posts: 825 ✭✭✭pbwinner


    Winnings on 8th October 2021: €0

    Last win 18th December 2020: €100

    Total winnings on €25k from Feb 2011 to date: €3150

    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: €50 x 5 = €250

    2021: €0



  • Options
    #7729
    PB2018
    Registered Users Posts: 272 ✭✭PB2018


    Wins on 8th October 2021: €0

    Last win: 23rd July 2021: €50

    Weeks since last win: 11

    €134k invested in prize bonds since July 2017

    Win ratio: 25 wins in 223 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-Dec): 10 x €50 = €500

    2021 (Jan-date): 1 x €50 = €50



  • Options
    #7730
    yabadabado
    Registered Users Posts: 16,531 ✭✭✭✭yabadabado


    Won €50 today .


    First win since June 2019



  • Options
    #7731
    notsocutehoor
    Registered Users Posts: 482 ✭✭notsocutehoor


    https://www.boards.ie/discussion/comment/117992286#Comment_117992286

    By my reckoning (if I have my sums right) you made a 70+% gain in less than a year on that investment which is pretty incredible, do you mind me asking you what share(s) you bought and what prompted you to pick those.



  • Advertisement
  • Options
    #7732
    Sultan of Bling
    Registered Users Posts: 1,911 ✭✭✭Sultan of Bling


    https://www.boards.ie/discussion/comment/117903700#Comment_117903700

    Nothing again



  • Options
    #7733
    tuisginideach
    Registered Users Posts: 2,066 ✭✭✭tuisginideach


    €50 today 👏



  • Options
    #7734
    Rulmeq
    Registered Users Posts: 1,081 ✭✭✭Rulmeq


    https://www.boards.ie/discussion/comment/117993573#Comment_117993573

    I put a bit more than half into shares, from memory: Apple (pre-split), Tesla (pre-split), Disney, Twitter, MSFT, TEAM(Atlassian), and because I was insane, I risked 15k on AMC when it grew by nearly 40% (just took a risk and was sh1tting it while I held it, I could have made more, but was just glad when I sold that).

    I had amazon as well (bought at the worst time, so lost money on them). Didn't hold any for very long, just in and out as I got a feeling about it.

    The biggest issue I had was keeping track of the money for the c.general (I used a spreadsheet, but it was unwieldy). All on degiro, so fees were light (less than €100 in total)

    I'll stop posting now, so I don't de-rail the prize bonds thread though.



  • Options
    #7735
    ongarboy
    Registered Users Posts: 5,201 ✭✭✭ongarboy


    Got my second €50 win yesterday in 3 months on €25k.



  • Options
    #7736
    PB2018
    Registered Users Posts: 272 ✭✭PB2018


    Wins on 15th October 2021: €0

    Last win: 23rd July 2021: €50

    Weeks since last win: 12

    €134k invested in prize bonds since July 2017

    Win ratio: 25 wins in 224 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-Dec): 10 x €50 = €500

    2021 (Jan-date): 1 x €50 = €50



  • Options
    #7737
    pbwinner
    Registered Users Posts: 825 ✭✭✭pbwinner


    Winnings on 15th October 2021: €0

    Last win 18th December 2020: €100

    Total winnings on €25k from Feb 2011 to date: €3150

    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: €50 x 5 = €250

    2021: €0



  • Options
    #7738
    Negative_G
    Registered Users Posts: 1,345 ✭✭✭Negative_G


    https://www.boards.ie/discussion/comment/116280140#Comment_116280140

    Winnings on 15th Oct 2021: €50

    Last win 12th Feb 2021: €50

    Previous win 22nd Jan 2021: €50

    Total winnings since Feb 2015 on €50k: €1,500

    Total winnings since Oct 2015 on €20k: €300



  • Options
    #7739
    tuisginideach
    Registered Users Posts: 2,066 ✭✭✭tuisginideach


    Nothing today



  • Options
    #7740
    Sultan of Bling
    Registered Users Posts: 1,911 ✭✭✭Sultan of Bling


    https://www.boards.ie/discussion/comment/117903700#Comment_117903700

    Nothing again



  • Advertisement
  • Options
    #7741
    PB2018
    Registered Users Posts: 272 ✭✭PB2018


    Wins on 22nd October 2021: €0

    Last win: 23rd July 2021: €50

    Weeks since last win: 13

    €134k invested in prize bonds since July 2017

    Win ratio: 25 wins in 225 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-Dec): 10 x €50 = €500

    2021 (Jan-date): 1 x €50 = €50



Advertisement