premium bonds.

[Zimbo]

Best ever this month, £1100! (1 x £100, 1 x £1000) result!

[Jody]

Just one for me £50

[Bustaspoke]

Zero,as usual.Still at least my pot's not decreasing,unlike my shares investments

[Taipan]

I'm not checking. I'm waiting for the exciting news email!

[MyLittleStudPony]

£125 [retches uncontrollably]

[Dodgy69]

25

[MingtheMerciless]

Zilch again, my luck is a disease. Mrs M has won 125 this month, 75 last month and pretty much 25 every other month before that. We both hold about the same number of bonds.

[Taipan]

£25. That wont even pay for the meal tonight. [Beano] Wot a swizz! [/Beano]

[Dodgy69]

1x25
1x50

Better than nowt, just.

[Docca]

Noob question, but how many bonds do you have to
Own before you yield any kind of return?

[Mr. Dazzle]

Supposedly the amount you can 'expect' to win is fantastically complicated to work out because the odds change constantly as bonds are bought/sold. Money saving expert has a good article on it.

Inverted commas because you have no right to expect anything, it's a random draw.

[DefTrap]

I just lob chunks of spare cash in the bonds and pay off blobs of mortgages in 10ks. It's marginally marginally better than just savings and there's always a chance of hitting it big spose.

[KungFooBob]

I took 20k out and put it in the NS&I bond, after two other bonds I tried took too long to set up.

I've still got £12k in premium bonds and put £300 in every month, but haven't had a win since I took the 20k out three draws ago.

[KungFooBob]

It took Cahoot 6 weeks to set me up a bond, by then I'd got bored of waiting and put the cash in the NS&I one (which set up pretty much instantly) at an ever so slightly lower rate.

There was another one I tried setting up when I had no progress on with Cahoot, but they took two weeks then decided I had to send the originals of a load of documents. So I sacked them off.

[Mr. Dazzle]

My Hargreaves Lansdown account sets up the fixed rate bonds essentially instantly.

It's not actually instant because the bonds always have a fixed start and finish date, but there's no 6 week waits or owt. Genuinely can't remember which organisations the bonds are with though, HL are just the platform.

Currently got just enough earning 4.something that I won't have to pay tax I've staggered em to max out how much we can earn between us over the next couple of years.

Probably gonna get some PBs for easy access cash to go in though.

[McSatan]

I just buy gold. I bought a pile last year. The return in less than a year is rather nice But it's a long term thing and nice to have money outside the banking system. No CGT either.

[KungFooBob]

I just buy gold. I bought a pile last year. The return in less than a year is rather nice But it's a long term thing and nice to have money outside the banking system. No CGT either.

I bet you like a smoke and a pancake!

[Mr. Dazzle]

Genuine Q, why would gold be CGT exempt?

[McSatan]

Genuine Q, why would gold be CGT exempt?

Sovereigns. They're legal tender, for example a 'proof' double sovereign has a face value of two quid.

[Mr. Dazzle]

Genuine Q, why would gold be CGT exempt?

Sovereigns. They're legal tender, for example a 'proof' double sovereign has a face value of two quid.

Does that make them more or less valuable than "straight" gold? I can see how not being CGT liable would make them more valuable, but they're also a fixed size/format?