Just for a bit of fun... Switched out £65k (wife and mine) of holding from premium bonds to stock market (range of ETFs) in December.
Return Apr-Dec of premium bonds returns - £1,075 - 2.15% annualised Return so far on investments in investment account - (£802) - a minus 1.23% return.... My plan of CGT not being an issue is working a little too well.
Updating this, now the returns on the investments in investment account, £1,094. 1.07% over 1.5 months. Currently made £19 more off the investments than I did over 9 draws on the premium bonds.
Obviously that's the premium for risk and it could be well, well down by next month!!!
nothing, as expected on my feeble holding. That said, January was my best ever month for returns and £49,000 of those investments wouldnt have been there if I was on a max holding.
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Second month on the trot I've won £50
Previous 4 months zilch
Pays my golf fees.
Obviously that's the premium for risk and it could be well, well down by next month!!!