# Bondpilot report sample

**Split the pot: the best split earns £1,595 a year in a typical year vs £1,525 for your current set-up (+£70). A savings account needs 6.02% AER to match your Bonds after your tax.**

Prize data: NS&I October 2026 draw (live), headline 4.35%, odds 21,000 to 1. Tax year 2026/27, rUK bands.

## Your inputs
- Premium Bonds now: £40,000; new cash: £0
- Non-savings income: £60,000; other interest this year: £300
- Easy-access AER 4.5%; cash ISA AER 4.2%; ISA allowance left £20,000
- Basis: typical year

## Your tax position
- higher rate taxpayer; Personal Savings Allowance £500; starting rate for savings left £0
- Tax-free interest still available this year: £200; then 40% on each extra £

## Plans compared (per year)
| Plan | ISA | Savings | Bonds | Typical year | Average year |
|---|---|---|---|---|---|
| Current | £0 | £0 | £40,000 | £1,525 | £1,740 |
| Best split | £20,000 | £4,444 | £15,556 | £1,595 | £1,717 |
| All out of Bonds | £20,000 | £20,000 | £0 | £1,460 | £1,460 |
| Max Bonds | £0 | £0 | £40,000 | £1,525 | £1,740 |

## Your Bonds in a year (6,000 simulated years on £40,000)
- Average £1,740 (4.35%); typical (median) £1,500 (3.75%)
- 1 year in 10 under £1,050; 1 in 10 over £2,275; no prize at all: 0%

## Prize-rate sensitivity (shocked headline rate, best split re-picked)
| Shock | Prize rate | Best split | Current set-up | Gain | Verdict |
|---|---|---|---|---|---|
| -1.0pp | 3.35% | £1,468 | £1,174 | £293 | SPLIT |
| -0.5pp | 3.85% | £1,531 | £1,350 | £182 | SPLIT |
| 0.0pp | 4.35% | £1,595 | £1,525 | £70 | SPLIT |
| 0.5pp | 4.85% | £1,700 | £1,700 | £0 | KEEP |
| 1.0pp | 5.35% | £1,876 | £1,876 | £0 | KEEP |

## ISA runway
- Tax year ends 5 April 2027 (2027-04-05): 172 days / 25 weeks left. To use the last £20,000 of allowance: £800/week by 5 April 2027 so none is lost.

## Next steps
1. By 22 October 2026: open or top up a cash ISA with £20,000 — you said £20,000 of this tax year's £20,000 allowance is left, and it resets on 6 April 2027. Pick a flexible ISA if you may need the money back.
2. By 5 April 2027: fill £800/week to use the last £20,000 of ISA allowance so none is lost (your best split puts £20,000 in ISA; 172 days / 25 weeks left).
3. By 22 October 2026: put £4,444 in your easy-access account at 4.5% AER. The first £200 of interest this year is tax-free for you; after that it's taxed at 40%.
4. Just after the November 2026 draw (first working days of the month), cash in £24,444 of Premium Bonds, so you stay in the draw you're already in; money normally reaches your bank in about three working days.
5. Expect lumpy results over the next 12 months: on your planned £15,556 in Bonds there's a 0% chance of no prize at all this year, and a 1-in-10 year pays under £300.
6. Put two dates in your diary: the next NS&I prize-rate announcement, and 6 April 2027 (new tax year — Personal Savings Allowance and the £20,000 ISA allowance reset).

_Prizes are tax-free; interest figures are before any 2027/28 changes. Not financial advice. https://bondpilot.dailyships.co.uk/r/sample_