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Same here ...... I'm often a £50 winner but rarely more (I hold the max amount so not a great return!)
I just treat it as a bit of fun, but with the expectation of earning a meagre 0.5-1% as a fallback, which is typically the reality too. Any win of £500 or above is fantastically unlikely per £1 bond and multiplying it by 50,000 brings it down to just tremendously unlikely. My £525 this month probably doesn't have odds far off a big-ish lottery win Woot!
I've bought a couple of 52-weekly draws on the Age UK lottery, on the assumption that the odds of a win comparable to a modest Premium Bond win are orders of magnitude higher than the derisory odds of the latter.
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