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A Premium Bond is a lottery bond issued by the United Kingdom government's National Savings and Investments agency. The bonds are entered in a regular prize draw and the government promises to buy them back, on request, for their original price. The bonds were introduced by Harold Macmillan in 1956. The government pays interest on the bond (1.35% in May 2015). Interest is paid into a fund from which a monthly lottery distributes tax-free prizes, or ''premiums'', to bond-holders whose numbers are selected randomly. The machine that generates numbers is ERNIE, for Electronic Random Number Indicator Equipment. Prizes range from £25 to £1,000,000. Between 2005 and 2009, there were two £1m prizes each month and the minimum prize was £50, but prizes were reduced after the 2009 drop in interest rates. A second £1m prize was re-introduced in August 2014. Investors can buy bonds at any time; they have to be held for a calendar month before they qualify. Numbers are entered each month, with an equal chance of winning, until the bond is cashed. Winners of the jackpot are told on the first working day of the month, although the actual date of the draw varies. The online prize finder is updated by the third or fourth working day of the month. From 1 January 2009 the odds of winning a prize for each bond was 36,000 to 1. In October 2009, the odds returned to 24,000 to 1 with the prize fund interest rate increase. The odds reached 26,000 to 1 by October 2013. Around 23 million people own Premium Bonds, over one third of the UK population. As of June 2015, each person may own bonds up to £50,000. Bonds can be bought in units of £10 after the first £100, with a value of £1 per bond and a minimum purchase of 100 bonds (or 50 bonds when paying by standing order). When introduced in 1957 they were popular – the only other similar games were football pools; the National Lottery did not exist until 1994. In Ireland, the Prize Bond originated in early 1957. ==History== Premium Bonds were introduced by Harold Macmillan in his budget of 17 April 1956, to control inflation and encourage people to save after the war. On 1 November 1956, in front of the Royal Exchange in the City of London, the Lord Mayor of London, Alderman Sir Cuthbert Ackroyd, bought the first bond from the Postmaster-General, Dr Charles Hill, for £1. Councillor William Crook, the mayor of Lytham St Anne's, bought the second. Premium Bonds were based in St Annes-on-Sea until they moved to Blackpool in the late 1990s. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Premium Bond」の詳細全文を読む スポンサード リンク
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