I have had a number of Premium Bonds for some years, and when interest rates were higher, I got a small prize with reasonable regularity which gave me the equivalent of an acceptable rate of interest (particularly before I retired) and there was always the chance of winning a million!
However, with declining interest rates, and National Savings pretending that they are even lower that they are, I have not won a prize for some while, and of course my capital is depreciating with the current high inflation.
So currently there seems some advantage of withdrawing my money and investing it in Index-Linked Savings Certificates. These currently pay 1% plus the rate of inflation, which would at least maintain the value of my capital.
Then the thought struck me; Suppose I "invest" the equivalent of the 1% interest each week in the National Lottery? Would I be better of than with Premium Bonds? Certainly I would be maintaining my capital, and in with a chance of a prize.
So let's invest a theoretical £10,000 in premium bonds. According to Money Savings Expert, with average luck this is likely to win me £100 in a year with a 1 in 338,824 chance of winning the £1,000,000 prize.
Now, the 1% on my £10,000 investment in Certificates would bring in a certain £100 per annum, the same as the most likely probability with Premium Bonds.
So what about the lottery? Well Lotto tickets cost £1 each, and so I could buy two a week with my interest money, but the calculations are somewhat more difficult, and I have to admit to not being interested in probability theory all those years ago when I took my "A Levels"!
However, according to the official statistics, the odds of winning the UK National Lottery jackpot prize are a staggering 1 in 13,983,816! The chances of winning any prize at all is around 1 in 54.
So it seems that if one spends £100 each year, the above figures can be divided by 100 to give the probabilities of winning in the course of the year. Thus the chance of winning the jackpot comes down to 1 in 139,838, which is actually better than that of winning the top premium bond prize. Of course, there is no guarantee as to the size of the lottery prize, and it might have to be shared with other winners.
However, for the lowest prize, with £2 each week, statistically it seems one should win a couple of times a year, albeit a mere £10 minimum prize.
So all in all, Premium Bonds now seem to be a "no-brainer". Is there anyone out there whose maths is better than mine who can confirm my calculations?
Sunday
3 hours ago
I'm afraid you lost me.
ReplyDeleteAre you advocating the Lottery or Premium Bonds as the better investment?
A big thanks to Dr Osun , For helping me win lotto at first i didn’t believe Him. My Name is Joyce, i was among the poor but now i am a million dollars ($1,000,000) rich with the help of Dr Osun who gave me the lucky winning numbers to win lotto, i am so grateful to you, if you are out there and finding it difficult to win lottery just email Dr Osun and he will help you Faithfullovespell@yahoo.com or call him on +2347035519489.His web site http://faithfullovespell.wix.com/dr-osun
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From Shaheen Akhtar UK
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With a grateful hearth , I want to give my sincere appreciation to Dr Sambo He is the best , he's so wonderful and helping. Few weeks ago , I contacted him for a lotto lucky number, without delay , he gave me the real lucky winning numbers I played and won $100,000,000. Contact him for lucky winning numbers and your story will change for good . Thank you Dr Sambo I will forever be grateful for your kind gesture. Contact him today through his email he can help you.
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Your system and odds appear to point to two separate stakes. Always wise to diversify?
ReplyDeleteTo me, £10,000 in Premium bonds will statistically bring in about £100 per year, but my £10,000 remains £10,000.
ReplyDeleteIf I put this in Index linked certificates, the £10,000 will go up in line with inflation and I will get £100 interest each year (at the end of 3 years).
If I put the £100 on the lottery per annum, I am reasonably certain to get a small prize, maybe £20 or so, but I'm in for the big 'un. And with the present inflation my £10,000 will be £????
Premium bonds are a gamble, so is the lottery. I think my later approach is better at this time if my mathematics is correct.
Hi there. Just to point out your sums are a little shaky. Your odds of winning the national lottery should not be divided by 100 to get the odds of each draw over the year. Each draw your odds are the same, and they are huge- I just looked it up- it's 14 million to one however many times you play.
ReplyDeleteThe odds of winning on premium bonds changes with how many you have, but you quoted £100 giving you a one in 330000 of getting the million jackpot. And you're not actually spending the stake. Hugely better odds, and you keep your cash.
To me, the bonds are still a better way to 'gamble' for fun, as you're not actually spending your stake. If you win nothing on the lottery, you're £100 down for the year.
I think you're better off with Bonds.
My maths is also week..I think by your post and comment i got also a clue about my calculations.
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ReplyDeletehe say he can do any kind of spell like
1 cancer
2 zika
3 HIV
4 herpes
5 ulcer
6 HPV
7 ex back
8 win of jackpot or lotto lottery
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Hello every one out here
ReplyDeleteDavid Carol Martin, From UK. I want to use this opportunity to thank (Dr Iyaryi) for helping me to win the lottery.I have been playing lottery for the past 6 years now and the only big money i have ever won was 7000$. Ever since then i have not been able to win again and i was so upset and i need help to win the lottery so i decided to go to a friend of mine and she introduce to Dr Iyaryi, there i saw so many good talk about this man called (Dr Iyaryi) of how he have cast spell for people to win the lottery.I contact him also and tell him i want to win a lottery he cast a spell for me which i use and i play and won £66 million Lotto jackpot .I am so grateful to this man just in case you also need him to help you win,you can contact him through his email: driayaryi2012@hotmail.com. +2348056932763
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ReplyDeleteAN Amazing testimony, i am MICHEAL from Canada, on a faithful day as i was walking down my street, hopeless, i meet my old friend william he was so happy to see me and he pick me up to a fast food joint in the city of Canada, he was my old time friend and class mate, but now he look different, looking good riding a big car and wearing all sort of customize shoes i was jealous but since he is my very good friend i have to ask him some few question on how come about his wealth and he say to me as a good friend and old friend of him, he told me the secret of his wealth behold i was so surprise that a voodoo spell caster can cast a lottery spell and will send you the lucky numbers to win millions of dollars, as a hopeless man i have to try all alternative to make sure i get good money and take care of my family, so believe me i contacted this Africa voodoo spell caster name Dr suka, i contacted him quickly through his mail address at(drsukaspellhome@gmail.com) and he cast the spell and send me the hot numbers to win the lottery big, to cut the long story short i am a billionaire today, Dr. suka is truly a gifted voodoo spell caster and you can contact him today for a lottery spell lotto any kind of spell he will help you as well. because this is the only way to win the lottery and the best way as well. all thanks goes to great doc, i promise to testifier of your goodness all through my life for making me rich and famous if out there you are pool or your business is not working well contact him today at drsukaspellhome@gmail.com. or +2347036842735
ReplyDeleteTESTIMONY I MUST SHARE: my dear friends help me to thank God, I was a HIV positive, been a HIV POSITIVE, you can live your life to the fullest without fear & marry with children, your wife/husband & children will be HIV NEGATIVE with the help of DR. SAMBOLA herbal medicine, he did it for me, all you need is to follow his prescription well & have sex without condom, I am happily married now with children. We all know that there are many fake cures in the internet, I saw someone comment on positive blogs about him, initially I was afraid to proceed with him, he showed me some evidences, pictures and videos of those who have taken/drank his herpes, I believe & proceed with him, I paid him half payment & DHL money (after receiving the herpes, I paid the balance) He is nice & trusted to work with. Contact him via Email: drsambolaose@gmail.com He is also good in the following: KIDNEY PROBLEM, HEPATITIS B, PHV, GENITAL WARTS VIRUS, DICK ENLARGEMENT, POWER FOR PASTORS TO PERFORM MIRACLE/HEELING, TOILET /SKIN INFECTIONS, CANCER, DIABETES, Etc, EVEN (LOVE SPELL) GETTING YOUR EX-BOY/GIRL FRIEND, WIFE, HUSBAND BACK, OR RESTORATION OF DIVORCE AND MONEY RITUALS.
ReplyDelete
ReplyDeleteMy life almost got ruined when my husband divorce me, i came across Dr.Zack Balo internet when i was searching for help of winning lottery, a spell caster who truly helped me to achieve my dreams today by giving the lucky numbers that made me win $758.7 million Powerball Lottery. i will tell it to everyone who wants to give a try. well you can also seek his lottery help to achieve your dream. contact him through this email address (wiseindividualspell@gmail.com) goodluck!
ReplyDeleteAll lottery winners has a secrets they will never share to the public 90% will keep the secret of their success to the grave, but in this life of no mans own you have to help others in other for you to gain more help in the future, its been seven years now i have been playing the lottery the highest win i won was $700, night and day something inner always tell me that there is a perfect way to win the lottery so i continue my search which lead me to Dr.Oluwa the great voodoo doc who cast a lottery spell for me and i won (40,million dollars) i doubted him at first, but success was the final result you can ask well write him on his Email{ Oluwajesutemple@gmail.com} for more details vist him on his website {https://oluwajesutemple1.wixsite.com/dr-oluwajesu}
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ReplyDeleteLottery is something majority of the people in the world want to win. I am a woman who believe that one day i will win the lottery. Finally my dreams came through when i email Dr Trust. and tell him i need the lottery numbers. i have come a long way spending money on ticket just to make sure i win. But i never know that winning was so easy until the day i meant the spell caster online which so many people has talked about that he is very great in casting lottery spell with winning numbers,that the winning numbers are 100% guarantee that you must win the lottery. So i contacted him also and told him I want to win a lottery,he cast a spell and gave me lucky winning number which I use and I played and won $758,700,000 (Seven Hundred Forty-Eight Million,Seven Hundred Thousand!!) This man is a very strong voodoo doc who gives out the numbers that can never fail. Your Lotto spell made wonders, I can't believe it. Thank you so much sir for dedicating your time to cast the Lotto spell for me.”I am eternally grateful for the lotto spell Dr. Trust did for me. Incase you also need him to help you win, you can contact him through his email:
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ReplyDeleteI want to use this opportunity to thank Dr.OCUSODO for helping me to win the lottery.I have been playing lottery for the past 8 years now and the only big money I have ever won was 800$ ever since then I have not been able to win again and I was so upset and I need help to win the lottery so I decided to go to a friend of mine call Robert,and he introduce me to Dr. OCUSODO, there I saw so many good talk about this man called Dr. OCUSODO of how he have cast spell for people to win the lottery.I contact him also and I tell him I want to win a lottery, he cast a spell for me which I use and I play and won 80million GBP. I am so grateful to this man just in case you also need him to help you win, you can contact him through his email: drocusodospellcaster@gmail.com is my part of promise I made, that if I win I tell the world how I win my game. drocusodospellcaster@yahoo.com or also call him or whats-app +2349067457724.
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ReplyDeleteMy name is Leann Crane i!!! i am very grateful sharing this great testimonies with you, The best thing that has ever happened in my life is how i win the lottery. I am a woman who believe that one day i will win the lottery.finally my dreams came through when i email Dr OCUSODO. and tell him i need the lottery numbers. i have come a long way spending money on ticket just to make sure i win. But i never know that winning was so easy until the day i meant the spell caster online which so many people has talked about that he is very great in casting lottery spell, so i decide to give it a try.I contacted this man and he did a spell and he gave me the winning lottery numbers. But believe me when the draws were out i was among winners. i won ( FIVE MILLIONS DOLLARS) Dr. OCUSODO i truly you are the best, with these man you can will millions of money through lottery. i am so very happy to meet these man, i will forever be grateful to you. Email him for your own winning lottery numbers (drocusodospellcaster@gmail.com) or (drocusodospellcaster@yahoo.com)
WhatsApp or call him now: +2349067457724
Contact: drocusodospellcaster@gmail.com for Urgent lottery winner Fast, VERY POWERFUL:100% GUARANTEED RESULTS I want to use this opportunity to thank Dr.OCUSODO for helping me to win the lottery.I have been playing lottery for the past 8 years now and the only big money I have ever won was 800$ ever since then I have not been able to win again and I was so upset and I need help to win the lottery so I decided to go to a friend of mine call Robert,and he introduce me to Dr. OCUSODO, there I saw so many good talk about this man called Dr. OCUSODO of how he have cast spell for people to win the lottery.I contact him also and I tell him I want to win a lottery, he cast a spell for me which I use and I play and won 80million GBP. I am so grateful to this man just in case you also need him to help you win, you can contact him through his email: drocusodospellcaster@gmail.com is my part of promise I made, that if I win I tell the world how I win my game. drocusodospellcaster@yahoo.com or also call him or whats-app 2349067457724.
ReplyDelete
ReplyDeleteWow!!!! This is my testimony on how i won £20,100,472 on Mega millions lottery, The best thing that has ever happened in my life is how i win the lottery. I am a man who believe that one day i will win the lottery.finally my dreams came through when i email Dr PAPA and tell him i need the lottery numbers. i have come a long way spending money on ticket just to make sure i win. But i never know that winning was so easy until the day i meant these spell caster online which so many people has talked about that he is very great in casting lottery spell with winning numbers, I contacted this man and he did the spell and he gave me the winning lottery numbers.(Email greatpapax@gmail.com) But believe me when the draws were out i was among winners. i won (Twenty million,one hundred thousand,four hundred and seventy two pounds) This man is a very strong voodoo doc who gives out the numbers that can never fail Contact GREAT PAPA Email greatpapax@gmail.com Or +2348106431263
My name is Eric Robert i am very grateful sharing this great testimonies with you, The best thing that has ever happened in my life is how i won the lottery. I am a man who believe that one day i will win the lottery.finally my dreams came through when i email Dr Sambo. and told him i need the lottery numbers. i have come a long way spending money on ticket just to make sure i win. But i never knew that winning was so easy until the day i meant the spell caster online which so many people has talked about that he is very great in casting lottery spell, so i decided to give him a try.I contacted this man and he did a spell and he gave me the winning lottery numbers. But believe me when the draws were out i was among winners. i won 107,932,603.20 million Dollar. Dr. Sambo truly you are the best, with these man you can win millions of money through lottery. i am so very happy to meet these man, i will forever be grateful to you. Email him for your own winning lottery numbers .hies mail: divinespellhome@gmail.com or Divinespellhome@yahoo.com and you can also call him +2348145810121 THANKS..
ReplyDeleteMy name is Eric Robert i am very grateful sharing this great testimonies with you, The best thing that has ever happened in my life is how i won the lottery. I am a man who believe that one day i will win the lottery.finally my dreams came through when i email Dr Sambo. and told him i need the lottery numbers. i have come a long way spending money on ticket just to make sure i win. But i never knew that winning was so easy until the day i meant the spell caster online which so many people has talked about that he is very great in casting lottery spell, so i decided to give him a try.I contacted this man and he did a spell and he gave me the winning lottery numbers. But believe me when the draws were out i was among winners. i won 107,932,603.20 million Dollar. Dr. Sambo truly you are the best, with these man you can win millions of money through lottery. i am so very happy to meet these man, i will forever be grateful to you. Email him for your own winning lottery numbers .hies mail: divinespellhome@gmail.com or Divinespellhome@yahoo.com and you can also call him +2348145810121 THANKS..
ReplyDeleteHello every one..
ReplyDeleteI'm from UK, It was hard for me to believe when i saw a comment on the internet regarding how (Dr Iyaryi) help people winning lottery by sending them the winning numbers. This winning numbers are 100% guarantee that you must win the lottery. I give it a try and i won £57.8 millions pounds Lotto jackpot. My comment looks funny but it the truth, The email is driayaryi2012@hotmail.com and i promise you that it will not be funny when you win and share a testimony with others. This is a secret to win lottery so i advice you do the same for you also to win a lotto jackpot, you can contact him for help through his email, driayaryi2012@hotmail.com And also Reach him on WhatsApp Number: +2349057915709 Thanks Dr. IyaryI
ReplyDeleteWow!!!! This is my testimony on how i won £20,100,472 pounds on Max Lotto UK, The best thing that has ever happened in my life is how i win the lottery. I am a man who believe that one day i will win the lottery.finally my dreams came through when i email Dr PAPA and tell him i need the lottery numbers. i have come a long way spending money on ticket just to make sure i win. But i never know that winning was so easy until the day i meant these spell caster online which so many people has talked about that he is very great in casting lottery spell with winning numbers, I contacted this man and he did the spell and he gave me the winning lottery numbers.(Email greatpapax@gmail.com) But believe me when the draws were out i was among winners. i won (Twenty million,one hundred thousand,four hundred and seventy two pounds) This man is a very strong voodoo doc who gives out the numbers that can never fail Contact GREAT PAPA Email greatpapax@gmail.com Or +2348106431263
With a grateful hearth , I want to give my sincere appreciation to Dr Sambo He is the best , he's so wonderful and helping. Few weeks ago , I contacted him for a lotto lucky number, without delay , he gave me the real lucky winning numbers I played and won $100,000,000. Contact him for lucky winning numbers and your story will change for good . Thank you Dr Sambo I will forever be grateful for your kind gesture. Contact him today through his email he can help you.
ReplyDeletedivinespellhome@gmail.com
WhatsApp him now +1(267)527-9481
With a grateful hearth , I want to give my sincere appreciation to Dr Sambo He is the best , he's so wonderful and helping. Few weeks ago , I contacted him for a lotto lucky number, without delay , he gave me the real lucky winning numbers I played and won $100,000,000. Contact him for lucky winning numbers and your story will change for good . Thank you Dr Sambo I will forever be grateful for your kind gesture. Contact him today through his email he can help you.
divinespellhome@gmail.com
WhatsApp him now +1(267)527-9481
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Hello all my viewers,my name navian This is my testimony on how i won $310.5 Million Powerball Jackpot lottery.I want to use this opportunity to thank dr clement for casting winning spell for me to win the lottery of $310.5 million lottery ticket.I have been playing lotteries for the past 4 years now and i have never be able to won any lottery. Ever since then i have not been able to won any lottery and i was so upset and i needed help to won this mega million lottery.so i decided to go online and search for help,there i saw so many good testimony about this man called dr clement of how he has cast lucky won number spell lottery for people to win the lottery. I contacted him also and tell him i want to win the powerball jackport,he cast a spell for me which i use to play and win $310.5 million dollars in powerball jackport. I am so grateful to this man,just in-case you also need him to help you win,you can contact him through his email:dralmightyspellhome@gmail.com and he will surely help you just the way he has helped me.i will forever be grateful to him and always testify the good work of him to the hole world. contact him via email:dralmightyspellhome@gmail.com or call his phone/whatsapp +2347051758952 and he will surely help you to win any kind of lottery?
ReplyDeleteHE CAN ALSO CURE ALL AND KIND OF DISEASE
1. GETTING YOUR EX LOVER BACK.
2. HERPES SIMPLEX VIRUS
3. CHILD BEARING.
4. BREAKING OF GENERATION COURSE.
5. GETTING OF JOB.
6. JOB PROMOTION.
7. SPIRITUAL PROTECTION.
8. HERBAL CARE.
9. PENIS ENLARGMENT
10. LOST LOVE SPELL
11. DIVORCE SPELL
12. MARRIAGE SPELL
13. BINDING SPELL
14. BREAKUP SPELL
15. YOU WANT TO BE PROMOTED IN YOUR OFFICE
16. FERTILITY SPELL/ PREGNANCY SPELL
17. CURE TO ALL KIND OF DISEASES.
my partner and I have been trying for a baby for over two years now, We were going to a fertility clinic for about 5 months before somebody at baby center told us to contact this spell caster who is so powerful, We contacted him at this email; babaka.wolf@gmail.com or Facebook at priest.babaka , for him to help us, then we told him our problem, he told us that we will conceive once we follow his instructions ,but after two years of trying we were at a point where we were willing to try anything. And I'm glad we came to Priest Babaka, Because his pregnancy spell cast and herbal remedy help us, and I honestly believe him, and his gods really helped us as well, I am thankful for all he has done. contact him via email: babaka.wolf@gmail.com or Facebook at priest.babaka if you are trying to have a baby or want your lover back. he has powers to do it, he has done mine
ReplyDeletemy partner and I have been trying for a baby for over two years now, We were going to a fertility clinic for about 5 months before somebody at baby center told us to contact this spell caster who is so powerful, We contacted him at this email; babaka.wolf@gmail.com or Facebook at priest.babaka , for him to help us, then we told him our problem, he told us that we will conceive once we follow his instructions ,but after two years of trying we were at a point where we were willing to try anything. And I'm glad we came to Priest Babaka, Because his pregnancy spell cast and herbal remedy help us, and I honestly believe him, and his gods really helped us as well, I am thankful for all he has done. contact him via email: babaka.wolf@gmail.com or Facebook at priest.babaka if you are trying to have a baby or want your lover back. he has powers to do it, he has done mine
TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE FINANCE COMPANY LAST WEEK. Email for immediate response: drbenjaminfinance@gmail.com
ReplyDeleteI am Mrs,Leores J Miguel by name, I live in United State Of America, who have been a scam victim to so many fake lenders online between November last year till July this year but i thank my creator so much that he has finally smiled on me by directing me to this new lender who put a smile on my face this year 2020 and he did not scam me and also by not deceiving or lying to me and my friends but however this lending firm is BENJAMIN LOAN INVESTMENTS FINANCE (drbenjaminfinance@gmail.com) gave me 2% loan which amount is $900,000.00 united states dollars after my agreement to their company terms and conditions and one significant thing i love about this loan company is that they are fast and unique. {Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN INVESTMENTS FINANCE holds all of the information about how to obtain money quickly and painlessly via Call/Text: +1(415)630-7138 Email: drbenjaminfinance@gmail.com
When it comes to financial crisis and loan then BENJAMIN LOAN INVESTMENTS FINANCE is the place to go please just tell him I Mrs. Leores Miguel direct you Good Luck....