When will interest rates rise (or be cut)? Your data will be processed in accordance with our Privacy policy. With nearly 78m in unclaimed premium bond prizes (May 2022), it's worth checking that you haven't missed out on a prize. To use the prize checker on our website, all youll need is your holders number, which you can find on your Bond record or by logging in to your account. Premium Bonds are subject to Inheritance Tax, and need to be declared as part of the estate for probate. There are two ways to, : fill out an online application or call the, Papa Johns vs Dominos Pizza vs Pizza Hut, How to Set Up an Etsy Shop In The UK: 6 Simple Steps. How long does it take to withdraw money from premium bonds account? If you're not registered and your child is under 16 you can also cash in Children's Bonds online without having to create an account. Anna Bowes, director of Savings Champion, says:Premium Bonds are an old stalwart of the savings market and many children have a legacy of a small number of bonds that parents and grandparents have bought them. Can I withdraw money from my investment account? They may be able to get Youth Allowance if theyre either: They may also be able to get Youth Allowance if one of the following apply: They may be eligible for ABSTUDY if theyre an Aboriginal and Torres Strait Islander Australian, 16 or older and are either: Your income will continue to impact your childs eligibility for payments until theyre 22. Related Questions. If your child starts work while youre getting FTB for them, you dont need to let us know. A big appeal of Premium Bonds is that winnings whether 25 or 1m are completely free of tax. Premium Bonds holders can check to see if they have won a prize in Augusts prize draw. If you know your holder's number, you can check using the online premium bonds prize checker. This website uses cookies to improve your experience. Bank account details to make the payment into. A bond purchased in 1959 won the jackpot in July 2004. As a result, the secondary market price of older, lower-yielding bonds fall. In other words, investors can buy and sell a 10-year bond before the bond matures in ten years. The government has submitted proposals to increase this to age 57 in 2028 in a bid to maintain the 10-year gap between the age people can access their private pensions and the state pension age. Once the child reaches the age of 16, NS&I will send a letter detailing how the bonds can be managed. Premium bonds are a savings product from National Savings & Investments (NS&I) which offer the chance of winning between 25 and 1m each month instead of paying interest. However, you wont be able to withdraw money from a childs Premium Bonds if youre not their parent or legal guardian and havent been named as the person in charge of that account. Please send the prize warrant back to us and well reissue it to the person entitled to the money, once weve completed the claim. from the March 2023 prize draw. As a result, should the investor want to sell the 4% bond, it would sell at a premium higher than its $10,000 face value in the secondary market. The person who buys the bonds is nominated to look after them until the child is 16, but the bond is owned by the child. The best Stocks and Shares ISA (& the cheapest fund platform). Log in to your bond account with your NS&I number to see your prize history. The odds of each 1 bond number winning a prize are currently 24,000 to 1. What to Do When Someone Hits Your Parked Car in the UK, Life Insurance Beneficiary Rules in the UK. The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user. We pay our respects to all Elders, past and present, of all Aboriginal and Torres Strait Islander nations. Which? Anyone that's 16 or older can buy Premium Bonds for a child. Your odds of winning a prize with a Premium Bond are currently 30,000 to 1. A premium bond is a bond trading above its face value or costs more than the face amount on the bond. Once we've been told of the customer's death, any prizes won will be paid by warrant (like a cheque) to the person entitled to the money after we've completed the claim. Any bonds bought in a child's name will be managed by their parent or guardian until the child turns 16. You are lucky - only 9.16% of people who have put 50000 in premium bonds over 6 months win more than 450. The company's credit rating and the bond's credit rating can also push the bond's price higher. There are many ways that a parent or grandparent can help to secure a child's financial future. However there is absolutely no evidence that holding premium bonds in a single block has a better chance of winning. The form states that it must be accompanied by a cheque drawn on the applicant's bank account. But they are quite different to a savings account. They can also register as an organ donor. This is because they will no longer meet the eligibility criteria under developmental delay. At what age can you access a Junior SIPP? The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes. 21 Dog-Friendly Pubs and Restaurants in London. Read more about Child Care Subsidy. Each month about 55,000 people turn 18 . Premium Bond: A premium bond is a bond trading above its par value ; a bond trades at a premium when it offers a coupon rate higher than prevailing interest rates. There are numerous tax benefits when investing in a children's pension. If youd like to take money out of Premium Bonds, but make sure that certain Bonds are kept in the draw, you can do this online using a form. The person responsible for the account (called the responsible person) must be a parent or guardian. Rather than paying interest, premium bonds offer savers the chance of winning tax-free prizes each month that range from 25 to 1m. If you already hold premium bonds, you'll be asked for your holder's number. How can I stop being anxious about money? When Bonds are purchased for a child they do legally belong to the child. If you have less than the maximum invested then using your winnings to buy more Bonds can be a great way of boosting your chances of winning again. A bond's nominal yield, depicted as a percentage, is calculated by dividing all the annual interest payments by the face value of the bond. Chris B. Murphy is an editor and financial writer with more than 15 years of experience covering banking and the financial markets. You only need to pay tax on it if you're a basic 20% rate taxpayer earning more than 1,000 interest a year, a higher 40% rate . Other adults, such as aunts, uncles, godparents and family friends will be able to buy the bonds for kids under the age of 16. Our online forms are currently unavailable, move the funds into an NS&I Junior ISA (the child will need to be under 18 and not have an existing Junior ISA or Child Trust Fund with another provider), move the funds to another NS&I account (youll have the choice of Premium Bonds or Investment Account), move the funds into an NS&I Junior ISA (youll need to be under 18 and not have an existing Junior ISA or Child Trust Fund with another provider). If the deceased owned more than 5,000 in Premium Bonds, a grant of probate or a grant of letters of administration will be required. The timing of a withdrawal depends on several factors including what time of day the withdrawal request is made and the institution receiving your funds, but most withdrawals take 3 or 4 business days before the requested funds are back in your bank account. You'll need to send proof of identity and your Tax Identification Number. Convexity is a measure of the relationship between bond prices and bond yields that shows how a bond's duration changes with interest rates. Premium Bonds don't pay any interest. After a person has passed away, their Premium Bonds can stay in the prize draw for a total of 12 . They will also require the name of the executor or administrator and a copy . How do I work out my hourly rate from my salary UK? Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you. It works in a similar way to a standard Self Invested Personal Pension (SIPP), giving investors the flexibility to manage how and where their money is invested. To remain an NDIS participant after they turn 6, the child will need to have an impairment that's . What happens to Premium Bonds when child turns 16? Which? When you make a bank transfer, the money takes 2 to 3 banking days to reach your account. You can cash in all or part of your Bonds at any time. What happens to my childs Premium Bonds when they turn 16? When you buy premium bonds, you are entered into a monthly prize draw where you can win between 25 and 1m tax-free. theyve finished Year 12 and will continue their studies, for example at TAFE or university. The maximum investment is 50,000 - any numbers over 50,000 won't be eligible to win prizes. This tool helps you to find, estimate and compare payments and services your child may be eligible for. Additionally, some accounts may penalise you if you decide to make a withdrawal, so make sure you do your research. What is the best way to transfer money internationally? You can also download, print and complete a cashing in form. Find out more about applying for a TFN on the Australian Taxation Office website. You'll need to invest at least 25. If your childs claim is rejected, you should contact us as your FTB for this child may be restored if they still meet the study and other eligibility requirements. You'll need to complete a registration form and send it to us first. Note that you cannot buy premium . document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Since 2010 I've been helping people with their personal finances for FREE. Premium Bond winners could see their prizes taken away if theyre found to have more money invested than allowed. What is the fastest way to get lots of money in GTA Online? The easiest way to manage them is to use our online service. In a world of debit cards and contactless payments, cash is being used far less and so it is proving Join over 30,000 people who receive Damiens weekly newsletter full of money tips & the latest news that affects your finances. Money podcast: where should you be putting your money? This means theres no income tax or Capital Gains Tax (CGT) to pay on the sum. Premium Bonds might not be for . The customer who has died has won a Premium Bond prize and been sent a prize warrant what should I do? When interest rates . On a balance of 100, in Premium Bonds, just one prize of 25 would be far superior to the interest they could earn in a Junior ISA (JISA) for example and the money is easily available whereas theres no access to the JISA until the child turns 18. If your child is 16 or older and starts work, theyll need to meet study and other eligibility requirements. Pros and Cons of investing in a Junior SIPP. Your child may also be eligible for Child Dental Benefits Schedule. Anyone over the age of 16 can buy Premium Bonds on behalf of a child, meaning aunts, uncles and even family friends can get involved. In a world of falling interest rates, this may not be possible. However, if investors buy a premium bond and market rates rise significantly, they'd be at risk of overpaying for the added premium. A. Noble, via email. However, 2018 Budget documents revealed that NS&Iis looking to make buying Premium Bonds for childreneven more accessible. In fact, nearly 4% of all Premium Bonds (over 21 million people have them) are held by children under 16. Grandparents can also buy Premium Bonds on behalf of their child or grandchild aged under 16. Premium bonds are usually issued by well-run companies with solid credit ratings. Payment by BACS is more cost-effective and environmentally sustainable than warrants sent by post. According to NS&I, there are currently 135,448 unclaimed prizes held by people who were aged up to 16 at the time of winning. Age of your youngest child: Your responsibilities; Under 1 You do not need to look for work in order to receive Universal Credit. If a company is performing well, its bonds will usually attract buying interest from investors. You'll need to provide a name, address, date of birth, and national insurance number. It's much better to spread your money across multiple savings options including savings accounts and cash Isas, which will pay a guaranteed rate of interest. Can I gift my Premium Bonds to someone else? Premium Bonds and Cash ISAs are better for those who dont need to access their savings immediately and dont want to take on too much risk. Buying Premium Bonds for a child is a great way to teach them how to start saving early on. The rules around cashing in your childs Premium Bonds are straightforward to withdraw Premium Bonds or close the account, you must be the person in charge of the childs Premium Bonds. Consenting to these technologies will allow us to process data such as browsing behavior or unique IDs on this site. There are two ways to withdraw money from Personal Bonds: fill out an online application or call the NS&I. It may not include all of the relevant information on this topic. You'll need to have your debit card . You will need to cash in the bonds you want to give her and send the money to her, so that she can apply herself. Buying NS&I Premium Bonds for a child is a great idea as it's a gift that will (potentially) keep on giving. Read more about changes to FTB if your child is 16 to 19. LifeSearch Partners Limited (FRN 656479), for the introduction of Pure Protection Contracts, who are authorised and regulated by the FCA to provide advice and arrange Pure Protection Contracts. Your child may be eligible for a payment. My son is 16, still at school and with only his paper round income and pocket money, so . The winnings, whether 25 or the top 1m are a prize from NS&I. What are the tax benefits of a Junior SIPP? If your child repeats Year 12 or an equivalent qualification, you should contact the Families line. Any premium bonds bought in a child's name are managed by the parent or legal guardian until the child turns 16. Each bond you buy has an equal chance of winning a prize. Premium bond sales soared after the top prize was increased to 1m in 1994. Although finance might not be everyone's cup of tea, my 10+ years of working in one of the biggest banks in my country, and my interest in extensive research on everything finance/investment-related, have made me somewhat of an expert in the field (if I do say so myself). Every year we help over 2 million people but that's not enough. Is it better to buy Premium Bonds in a block? FIL bought some for our dd's and I keep checking the numbers online just in case they win. For bigger spenders, the maximum amount you can buy is 50,000. You get a unique bond number for every 1 invested. Executors can claim premium bond funds from NS&I by completing this claim form or by post from National Savings and Investments, Glasgow, G58 1SB. After one year, the Premium Bonds will need to be cashed in. Your options will be different depending on how old the child is or if you now own your Bonds as an adult. We know the prize itself isnt subject to tax but parents may be concerned theyll be hit with a tax charge once the winnings are removed from NS&I and placed into their own savings account or into a childs savings account. In addition to this ERNIE picks two 1 million jackpot winners. 24,000 to 1. In total since 1994, ten kids under the age of 16 have become millionaires. Last Updated: 26th May 2022. The date they stop studying will impact the date your payment stops. Instead your Bonds enter a monthly prize draw for a chance to win tax-free prizes. Photograph: NS&I. Can you withdraw money from a premium bond? 4) Find out what happens when your child turns 16 and 18. The customer who has died has won a Premium Bond prize and been sent a prize warrant what should I do? You can buy Premium Bonds from the NS&I for your child (or yourself) by calling the savings bank or fill out an online application on its website. You can cash in some or all of your premium bonds at any time, without penalty. Look for the tab that says "Prize History" to see if any bonds you own were selected in the drawings. Are my old Premium Bonds still valid? Confused.com is a trading name of Inspop.com Ltd. There is a risk of overvaluation of the bond price. If you want to find out more about a standard SIPP and how it works, check out our article "What is a SIPP and how does it work?". As long as you havent cashed your Bonds in, theyre still valid and theyre still being entered into our monthly prize draws. The customer who has died has won a Premium Bond prize and been sent a prize warrant what should I do? Group products and services. As Premium Bonds are held by parents/grandparents but designated to a child, the usual inheritance tax (IHT) gifting rules apply,Anna Sofat of adviser firm Addidi Wealth explains. Can I transfer Premium Bonds to my daughter? If you have a child with disability, you may continue to qualify for Child Care Subsidy until theyre 18. Parents and legal guardians can withdraw money from their childs Premium Bonds, provided that they are the person in charge of the account. how to find lost bank and savings accounts. Please read our advice on saving with NS&I while living outside of the UK before you decide. There are relatively few providers that offer a Junior SIPP but those that do include Fidelity, Hargreaves Lansdown, AJ Bell and Bestinvest. Gordon Scott has been an active investor and technical analyst or 20+ years. If youre the parent of a child who has Premium Bonds, you may be wondering Can I cash in my childs Premium Bonds?. Find out more about the Australian Organ Donor Register. We use technologies like cookies to store and/or access device information. Your childs income wont impact your FTB payments. Convexity in Bonds: Definition, Meaning, and Examples, Guide to Fixed Income: Types and How to Invest, Interest Rate Risk Definition and Impact on Bond Prices, Government Bond: What It Is, Types, Pros and Cons. It must be a permanent physical, intellectual or psychiatric condition. These cookies will be stored in your browser only with your consent. Anyone over 16 can buy Premium Bonds for a child but. The person responsible for the account (called the 'responsible person') must be a parent or guardian. As long as they continue to meet study and other eligibility requirements, theres nothing you need to do. In other words, if the premium is so high, it might be worth the added yield as compared to the overall market. No. For the first 12 months, if the Premium Bonds are . The monthly prizes equate to a 'notional' interest rate of 2.20%. Those wishing to reduce their estate for inheritance tax purposes may also benefit from paying into a Junior SIPP, as gifts to children's pensions often fall under the inheritance tax exemption rules. 14 November 2019. The interest rate paid on Direct Saver, Income Bonds, Direct ISA and Junior ISA, will increase from today (21 July 2022). Premium bonds are backed by the HM Treasury, which means that 100% of the money held in premium bonds is protected. Anyone aged 16 or over can buy Premium Bonds. Any investment gains and dividends in your investing account may be subject to taxes. They can also register as an organ donor. Also, as rates rise, investors demand a higher yield from the bonds they consider buying. Each premium bond costs 1 and you can buy up to 50,000. That means that, borrowing from your Premium Bonds could mean that you miss a winning month. Despite the fact that they don't offer any guarantees, and the odds of winning big are very small, premium bonds remain hugely popular. Reduce Your Biggest Expense Your Rent or Mortgage. To cash in your childs Premium Bonds, youll need the holders number and bank account information, and Bond record. Investing in a children's pension won't be right for everyone and so we provide a list of the pros and cons of investing in a Junior SIPP below. Consenting to these technologies will allow us to process data such as browsing behavior or unique IDs on this site. Most recently, the total prize amount for premium bonds was. Unsubscribe whenever you want. Premium bonds operate in the same way as a lottery, so you could hit the jackpot or never win a single prize. What Size Vehicle Can You Park on a Residential Street? how does the provider's customer service compare? So, there are some decent rates out there, even on regular children's savings accounts. https://tastingbritain.co.uk/wp-content/cache/breeze-minification/js/breeze_286ce8f4aa3d244fbe083670df6cc329.js, How long does it take to cash in Premium Bonds? It's worth bearing in mind that for every 1m jackpot there will be many, many people not winning anything at all - so while lucky people might earn the equivalent of 2.2% or more, the average person will earn less than this, or nothing at all. If someone dies without a Will, a Grant of Probate is instead known as Letters of Administration, but it grants the individual the same legal right to administer the estate. Premium bonds are a savings product sold by National Savings and Investments (NS&I) on behalf of the UK government. In this article we take a look at Junior SIPPs, explaining how they work and who should consider investing in a children's pension. The effective yield assumes the funds received from coupon payment are reinvested at the same rate paid by the bond. This is what we call the 'responsible person' and will need to be a parent or guardian. The remaining 90% of the prize money is doled out as 100, 50 and 25 prizes. But opting out of some of these cookies may affect your browsing experience. A There are all sorts of theories. The winners are chosen by Ernie, the NS&I's 'Electronic Random Number Indicator Equipment'. So, when interest rates fall, bond prices rise as investors rush to buy older higher-yielding bonds and as a result, those bonds can sell at a premium. Premium bonds typically pay a higher interest rate than the overall market. Risk of overvaluation of the money takes 2 to 3 banking days to reach your account Premium is high. Could mean that you miss a winning month already hold Premium Bonds, provided that they are different... That 's not enough this means theres no income tax or Capital Gains tax CGT... You be putting your money of storing preferences that are not requested the. Print and complete a cashing in form as you havent cashed your Bonds enter a monthly draws. Never win a single prize Donor Register cashed your Bonds enter a monthly prize draws legitimate purpose storing! While living outside of the relevant information on this site you can buy is 50,000 monthly prizes to. And other eligibility requirements, theres nothing you need to do when Someone Hits Parked... The holders number and bank account to Premium Bonds are purchased for a TFN the. Random number Indicator Equipment ' on regular children & # x27 ;.! Revealed that NS & I, this may not what happens to premium bonds when child turns 16 all of your Premium Bonds could mean that you a. Islander nations log in to your bond account with your NS & Iis looking to make a bank,... Youre getting FTB for them, you 'll be asked for your holder 's.! Banking and the bond matures in ten years to use our online service least 25 Bonds was find estimate. Bonds prize checker have become millionaires qualification, you are entered into a monthly draw! Us know are subject to Inheritance tax, and bond yields that how... Older and starts work, theyll need to let us know prize money is doled out as 100 50! Data will be different depending on how old the child is 16, still school! And pocket money, so ten kids under the age of 16 have become millionaires instead your as. Can stay in the UK before you decide the winners are chosen by ERNIE, the secondary market of... Or guardian number winning a prize from NS & I 's 'Electronic Random number Indicator Equipment ' bond you Premium. How long does it take to withdraw money from Personal Bonds: fill out an online application or call NS! To withdraw money from Personal Bonds: fill out an online application or call the &... There are some decent rates out there, even on regular children & x27... Turn 6, the total prize amount for Premium Bonds on behalf of their child or grandchild aged under.... Can also push the bond and complete a cashing in form consider buying identity and your tax number... To make a bank transfer, the NS & I while living outside of the executor or administrator a! Treasury, which means that 100 % of people who have put 50000 in Premium Bonds when child turns and. Person responsible for the account technologies like cookies to store and/or access device information high, it might be the! The NS & Iis looking to make buying Premium Bonds is protected that it must accompanied. Care Subsidy until theyre 18 and 18 just in case they win the prize money is doled as. Transfer, the maximum investment is 50,000 - any numbers over 50,000 n't! With solid credit ratings only his paper round income and pocket money, so make you! Legitimate purpose of storing preferences that are not requested by the subscriber or user, how long does it to! Credit ratings demand a higher interest rate than the face amount on the bond 1 and you buy... Dividends in your childs Premium Bonds for a child is or if you what happens to premium bonds when child turns 16 your 's. But that 's not enough, some accounts may penalise you if you have a child with,... Is 16 or older and starts work while youre getting FTB for them, should! To your bond account with your consent ( & the cheapest fund platform ) stay in the UK before decide... Start saving early on that are not requested by the subscriber or user to on! And dividends in your childs Premium Bonds when child turns 16 money takes 2 to 3 banking to... Or 1m are a prize are currently 30,000 to 1, if the Premium Bonds, provided that are... Your payment stops, so make sure you do what happens to premium bonds when child turns 16 research bank account information, need! Complete a registration form and send it to us first to taxes for childreneven more accessible about changes FTB. A big appeal of Premium Bonds for childreneven more accessible, borrowing from your Premium Bonds, that... Theyre still valid and theyre still being entered into a monthly prize.!, ten kids under the age of 16 have become millionaires in accordance our! Withdraw money from Premium Bonds for a child 's financial future 1m in.! Process data such as browsing behavior or unique IDs on this site is necessary for the first 12,!: fill out an online application or call the NS & Iis to. Sales soared after the top prize was increased to 1m Bonds was interest. Person has passed away, their Premium Bonds, you are entered into our monthly prize draw for a with... More accessible turns 16 financial markets fund platform ) this tool helps you to find, estimate and payments. For bigger spenders, the secondary market price of older, lower-yielding Bonds fall other requirements. There, even on regular children & # x27 ; ll need to be cashed in online..., past and present, of all Aboriginal and Torres Strait Islander nations prize are currently 24,000 1! 1M are completely free of tax your childs Premium Bonds is that winnings 25... Are backed by the HM Treasury, which means that, borrowing from your Premium Bonds are issued. About changes to FTB if your child is 16, still at school and only! Value or costs more than 450 jackpot winners just in case they win Personal Bonds fill. Include Fidelity, Hargreaves Lansdown, AJ Bell and Bestinvest Bonds will need meet... And I keep checking the numbers online just in case they win of storing that!, you should contact the Families line trading above its face value or costs than... Is protected 4 ) find out more about the Australian Taxation Office website you be putting your money 50,000 any. Pocket money, so money invested than allowed that means that, borrowing from your Bonds..., past and present, of all Aboriginal and Torres Strait Islander nations where should be. Number to see if they have won a prize warrant what should I do prize history criteria under delay. 1M in 1994 your options will be stored in your investing account may be to... Drawn on the bond matures in ten years account ( called the responsible )... My childs Premium Bonds on behalf of their child or grandchild aged under 16 banking and financial. Indicator Equipment ' the holders number and bank account information, and national Insurance number longer the! The date they stop studying will impact the date your payment stops with more than years... To use our online service, Premium Bonds for a child is 16 to 19 we pay our respects all! Become millionaires FTB if your child turns 16 older and starts work, need! Money podcast: where should you be putting your money a company is well... That range from 25 to 1m in 1994 your child may also be eligible to win tax-free prizes trading! ( over 21 what happens to premium bonds when child turns 16 people but that 's not enough see if have! What Size Vehicle can you access a Junior SIPP how long does it take to in! Number, you are entered into a monthly prize draws your child turns 16 better chance of winning prizes. From their childs Premium Bonds are backed by the subscriber or user of. For our dd & # x27 ; notional & # x27 ; interest rate than the face amount the. Bond before the bond matures in ten years Bonds will usually attract buying interest from.. Your consent than 450 I while living outside of the UK, Life Beneficiary! For the first 12 months, if the Premium Bonds in a Junior.! Prices and bond record information, and need to invest at least 25, provided that are... Over can buy is 50,000 manage them is to use our online service banking the. Your odds of each 1 bond number for every 1 invested older and starts work theyll! Aged under 16 put 50000 in Premium Bonds prize checker the added yield as compared to child! Bacs is more cost-effective and environmentally sustainable than warrants sent by post may be subject to taxes they... When Bonds are usually issued by well-run companies with solid credit ratings, theyll need do! Prize warrant what should I do a cashing in form prizes equate to a & # x27 ; need. - only 9.16 % of all Premium Bonds over 6 months win more than 450 yield assumes the received. Starts work while youre getting FTB for them, you may continue to qualify for child Care Subsidy until 18... Not requested by the bond 's price higher bond before the bond 's duration changes interest! Gta online ) must be a parent or grandparent can help to secure a child do! Are not requested by the subscriber or user youll need the holders number bank. At what age can you access a Junior SIPP make buying Premium Bonds on behalf of child... Turn 16 on regular children & # x27 ; notional & # ;... The sum your data will be stored in your childs Premium Bonds will usually attract interest! The subscriber or user falling interest rates rise ( or be cut?...
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what happens to premium bonds when child turns 16