Martin Lewis is often talking about how below average Premium Bonds interest is compare to other saving accounts. When Steve said he treats it as a stock, whereby the price will not go up or down, and the 'dividend' changes over the years. And on the good year, the pay out could enable a lot of loan repayment or investment, and the worse it could be a very poor performing stock with no gain over years and poor dividends over years. Using this prospective, it is not a bad thing to add onto the portfolio! I shall think about it when I have spare money.
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