Premium Bond回報反彈

8月25日 星期一

沒出門，算零步。(但計步App話有9百步)

日前去了第三間餐廳才吃得上晚飯，覺得下期Premium Bond會中。下個月的事其實難知，但今個月的確是中了£50的：

IRR per Month	0.70%	0.34%	0.18%	0.16%	0.16%
IRR per Year	8.78%	4.13%	2.17%	1.88%	1.91%
May-23	(£1,000)	(£1,000)	(£1,000)	(£1,000)	(£1,000)
Jun-23	£0	£0	£0	£0	£0
Jul-23	(£2,000)	(£2,000)	(£2,000)	(£2,000)	(£2,000)
Aug-23	£0	£0	£0	£0	£0
Sept-23	£0	£0	£0	£0	£0
Oct-23	(£2,000)	(£2,000)	(£2,000)	(£2,000)	(£2,000)
Nov-23	£0	£0	£0	£0	£0
Dec-23	£5,150	£0	£0	£0	£0
Jan-24		£0	£0	£0	£0
Feb-24		£0	£0	£0	£0
Mar-24		£0	£0	£0	£0
Apr-24		£0	£0	£0	£0
May-24		£0	£0	£0	£0
Jun-24		£5,175	£0	£0	£0
Jul-24			£0	£0	£0
Aug-24			£0	£0	£0
Sept-24			£0	£0	£0
Oct-24			£0	£0	£0
Nov-24			£0	£0	£0
Dec-24			£0	£0	£0
Jan-25			£0	£0	£0
Feb-25			£0	£0	£0
Mar-25			£5,175	£0	£0
Apr-25				(£4,825)	(£4,825)
May-25				£10,000	£0
Jun-25					£0
Jul-25					£0
Aug-25					£10,050

年回報率微有改善，由1.88%變成1.91%。

其實以現在Premium Bond一減再減的Payout Rate (3.6%)，我放了£10,000，一年應該有£360。即是，每個月中不到最低的安慰奬(£25)已經蝕本。

不過話說回來，若中一次過萬的，就什麼都回來了。