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I've had (not many) premium bonds since 2006 and never won a penny!

ISAs may be tax free, but that's not overly relevant seeing as the interest rates are so low. £5000 invested at 1.75% (about the best ISA rate you'll find at the moment I think) is only going to earn £87.50 in a year - saving tax at 20% will mean £17.50, so a modest saving (more worthwhile for a...