Change Premium Bonds details by post. If you want to buy Premium Bonds as a gift for your child, parents and legal guardians canapply online, over the phone or by post. Premium bonds are owned by one-third of UK savers. Fidelity does not guarantee accuracy of results or suitability of information provided. What does it mean that the Bible was divinely inspired? Realized earnings are taxable A portion (up to $1,250 in 2023) of any earnings from a custodial account may be exempt from federal income tax, and a portion (up to $1,250 in 2023) of any earnings in excess of the exempt amount may be taxed at the child's tax rate, which is generally lower than the parent's tax rate. We'll also need your witness to print their name, address and occupation in the same letter. At the age mandated by the state, the custodian (often a parent) must transfer control to the child. Shop our favorite Plus Size Clothing finds at great prices. The biggest personal finance mistakes to avoid, What happens to bank accounts after death, How to create a savings strategy - and stick to it, How much money you need to save for retirement. Fixed rate savings rise AGAIN: As swathe of top deals launch, are good times back or will rises fizzle out? Please Click Here to go to Viewpoints signup page. The subject line of the email you send will be "Fidelity.com: ". Premium bonds are sometimes referred to as lottery bonds, which gives us a clue to how they work. The cookie is used to store the user consent for the cookies in the category "Analytics". Necessary cookies are absolutely essential for the website to function properly. These will be safer than savings protected by the FSCS because theyre backed by the government. In terms of tax considerations, there's nothing to worry about. Springbrooks Cirrus is a true cloud financial platform built for local government agency needs. Child maintenance payments. It is a violation of law in some jurisdictions to falsely identify yourself in an email. What happens if your child wins premium bonds? ", Bonds were available with a face value of $25, $50, $75, $100, $200, $500, $1000, $5000 and $10,000. At that point, they can do whatever they want with the money. These are the best Fashion deals youll find online. The cookies is used to store the user consent for the cookies in the category "Necessary". Premium bonds have been around for a very long time. Well send confirmation of any transactions made, prizes won and payment for cashed-in Bonds to the nominated parent or guardian until the child is 16. These are the best Kitchen Linens deals youll find online. The comments below have not been moderated. When can I retire if I was born in 1956 in the UK? You can download the NS&Is free, official app via the App Store or Google Play. Solitary four-storey house right on London's banks of the Thames is up for grabs for 1.5million, Need a new mortgage? Age limit: Over 16 to buy them; under that age they may be held in the name of under-16s by parents or guardians. Its worth noting that NS&I do not accept credit card payments, so be sure to have your debit card details ready to purchase premium bonds. Over the phone purchases will require your debit card details. But if you have another NS&I account already like Premium Bonds you can register for our online and phone service. Theres no need to go into the complex technology behind Ernie to understand how premium bonds work; you can rest assured that the process is entirely random and fair. These details include the date of birth and address for both the child and parent or guardian, as well as the childs Premium Bonds holders number (if they have one). "text": "Yes, premium bonds are safe and secure. Lisa-Marie Voneshen Is demand for electric cars declining? The gift tax may be a consideration 17. Enter a valid email address. High St banks make extra 7BILLION from paying savers low interest rates - but charging more on mortgages and loans, How to make the most of saving and investing into an Isa: This is Money podcast on growing your wealth tax-free, Blasts from the past! These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. 1 What happens when a child turns 16 with Premium Bonds? WebPremium Bonds may be for you if: you want the chance to win tax-free cash prizes in a monthly draw if youre a parent, guardian, grandparent or great grandparent wanting to buy for a child under 16 years old you have 25 or more to invest. When the child reaches a certain age (generally between 18 and 25, varying by state), assets and control of the account must be transferred to them. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. In the UK, more than 25 million people have chosen to invest their savings in premium bonds. Custodians will be notified when this process needs to be initiated. On the other hand, if you are a parent saving your own money for a child's education, a 529 account may make more sense than a custodial 529 or an UGMA/UTMA. If you think the chance to win 1 million sounds better than putting your savings in a regular account, youre not alone. We call that "registering the bond." The average amount held on behalf of a child is 1,400 Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. At Fidelity, you can change your account registration online once the child has turned 18 or reached the age mandated by the state. Child Trust Funds (CTFs) are tax-free savings accounts that were available for kids born between 1 September 2002 and 2 January 2011. "acceptedAnswer": { Choose whether you want EE bonds or I bonds, and then click Submit. Analytical cookies are used to understand how visitors interact with the website. The length of a bond affects a bonds yield to maturity. The first recipients of Child Trust Fund vouchers will now be turning 18 and can access the money for the first time. Webcan you buy premium bonds as a gift for someone over 16; what happens to premium bonds when child turns 16; can i buy premium bonds at the post office; can i buy premium bonds for other adults; can i cash in my child's premium bonds; How to Edit Your PDF Premium Bonds Application Form For Grandchildren Online. Details of the person who is making the claim. Get a weekly email of our pros' current thinking about financial markets, investing strategies, and personal finance. Analytical cookies are used to understand how visitors interact with the website. "@type": "Question", However, the advantage of premium bonds over the lottery is that your money remains yours the entire time. Winners are chosen by Ernie. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. Read aboutinstant-access savings accounts. Moneyfarm wins Best Buy ISA and Best for Low-cost Pension at Boring Money Best Buy Awards, Lessons from history about markets in 2023. The fastest way to buy premium bonds is online; via the National Savings and Investment (NS&I) website. Open Banking: What is it, and is it safe? e.g. Premium bonds can also be subject to inheritance tax. This works out to an impressive 100 billion in combined savings. These are the best Smartphones deals youll find online. Once we have this, youll be able to manage your accounts online (except for Investment Account, which can only be managed by post). You've been added to our mailing list. What is thought to influence the overproduction and pruning of synapses in the brain quizlet? WebPreviously only parents and grandparents could buy Premium Bonds for under-16s. While it's possible to invest in premium bonds under a child's name, the child themselves can't manage them until they reach 16. An acknowledgement of your investment will also be sent, but only the nominated parent or guardian can manage and cash in the bonds. Premium bonds are backed by HM Treasury and the government, meaning theyre a secure and well-protected type of savings product. Find the best deals on Fitness Nutrition from your favorite brands. ", This cookie is set by GDPR Cookie Consent plugin. One or both of those acronyms are often associated with custodial accounts. Were carrying out some essential maintenance on our systems. The current UK premium bonds were introduced on 17 th April 1956 as a new way of saving where each bond cost 1 (about 25 today) The idea was that each bond had a number and these would be put into a monthly draw and the winners would receive a tax free cash prize. Tax and you do not need to declare it on your tax return. The details on prizes won or any other transaction will be sent to the guardian or responsible parent until the child turns 16. Ask your rep for details. (Separate multiple email addresses with commas), (Separate multiple e-mail addresses with commas). Instead, the interest rate funds are placed in a monthly draw, and any prize won is tax-free. When the child reaches a certain age (generally between 18 and 25, varying by state), assets and control of the account must be transferred to them. Consult an attorney or tax professional regarding your specific situation. Until the child reaches the age of 16, the parent or guardian nominated on the application takes care of the bonds, no matter who buys them. Once the assets are transferred, the child can use them for any purpose. There are currently more than 1.8 million unclaimed Premium Bonds prizes, worth over 67 million. Moreover, NS&I have refused to return the certificates, refused to inform me if my son wins a prize and said they will keep my money unless my son requests that the bonds be cashed in. If the childbeats the oddsand wins a prize, it will be up to the parent or guardian to decide what to do with it. Uswitch Limited is authorised and regulated by the Financial Conduct Authority under firm reference number 312850. You can check this on the Financial Services Register by visiting the FCA website: www.fca.org.uk/register. The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline. Anyone over 16 can buy Premium Bonds for a child but will need to nominate someone to look after the childs Bonds until they turn 16. These cookies will be stored in your browser only with your consent. In an ideal world, you would want your savings to grow faster than inflation. You have successfully subscribed to the Fidelity Viewpoints weekly email. What are some examples of how providers can receive incentives? You're also able to transfer existing shares of stocks, mutual funds, or other securities from your own account into a custodial account. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. As such, its essential to make sure they are happy to take on this responsibility before you buy the bonds. A 2021 statistics showed that over 100,000 children under the age of 16 have a premium bond account. The best savings accounts Related Posts: Premium Bond prize rate increases to 1.4% As soon as you turn 16, you become responsible for your own NS&I account(s). Looks like that email address is already registered. Yes, grandparents can gift premium bonds to their grandchildren. You can find all the forms here: If you have Premium Bonds, Childrens Bonds or an Investment Account, you can manage them by post and you dont have to use our online service. Premium bonds are investments placed in a savings account that allows penalty-free withdrawals. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. 01/26/2023. Premium bonds are authorised and regulated by the Treasury and backed by the government. "name": "What happens if your child wins premium bonds? Investing involves risk, including risk of loss. If you are buying them for children, the account will be held by the parents/legal guardians until the child reaches 16. However, the total amount a child can have in premium bonds is 50,000. Theres no guarantee you Deals and discounts in Nails you dont want to miss. 'Until the child reaches the age of 16 the grandparents may have financial control over the investment and during that time any prizes will normally be made payable I have diligently informed ERNIE of my change of address and checked the numbers on line (I still have the original bonds). But remember that the Investment Account is a postal account, so if you want to pay in or take out money, youll need to print and complete a form and send it to us. Moreover, NS&I have refused to return the certificates, refused to inform me if my son wins a prize and said they will keep my money unless my son requests that the bonds be cashed in. It takes up to 8 working days for the money to reach your account after you have cash in your premium bonds. Here are the logistical details: The adult custodian opens the account for a specific child. Premium Bond prizes (the interest) are paid tax-free. UGMA/UTMA brokerage accounts are taxable investment accounts with no contribution limits. The easiest way to manage them is to use our online service. But when your child reaches the age of majority 18 or 21, or even older, depending on the state you, as the custodian, lose all control over the account. The major advantage of custodial accounts is that they make it easy to give financial gifts to a child. WebPremium Bonds Anyone over 16 can buy Premium Bonds for a child but will need to nominate someone to look after the childs Bonds until they turn 16. What happens if you or your partner get a job. There are several other types of custodial accounts. Save up to 50% on Women's Accessories when you shop now. Doe. By Slav Fedorov. } Premium bonds were introduced by the government in 1956. Please enter a valid last name. Any child maintenance payments you receive will not affect your Universal Credit payments. The differences between this and other lotteries is that your These are the best Home Audio deals youll find online. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. If you or the designated beneficiary is not a New Hampshire, Massachusetts, Delaware, Arizona or Connecticutresident, you may want to consider, before investing, whether your state or the beneficiary's home state offers its residents a plan with alternate state tax advantages or other state benefits such as financial aid, scholarship funds and protection from creditors. Its the interest on the bonds currently set at 1.00% by the government thats used to fund the prize money. Premium bonds are authorised and regulated by the Treasury and backed by the government. What are premium bonds, and why are so many people interested in them? This cookie is set by GDPR Cookie Consent plugin. Virtual Assistant is Fidelitys automated natural language search engine to help you find information on the Fidelity.com site. Always consult with a financial advisor to determine whether premium bonds are a good fit for the. To buy Premium Bonds in this latter way, the person buying them must be aged 16 or older and either buying them for themself or a child who is under 16. Even though you bought the premium bond for the child, only their consented guardian can manage the premium bond account. Saving with premium bonds certainly adds some excitement to the basic premise of putting money aside for a rainy day. How much can I While Junior ISAs can only be opened and managed by the childs parent or guardian, there are some different rules for other products. A. Noble, via email. Whats the minimum amount you can buy Premium Bonds for a child? Units of the portfolios are municipal securities and may be subject to market volatility and fluctuation. Click the more button to email us. Absent any unusual events, the shorter the time until a bond matures, the lower the potential premium or discount. Youll need to complete a registration form and send it to us first. How to invest 1,000 the best ways to invest your first 1,000. When do you get your money from Premium Bonds? You also have the option to opt-out of these cookies. e.g. The information herein is general and educational in nature and should not be considered legal or tax advice. In theory, this makes your savings even more secure and protected than with banks or building societies. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Any prizes won can be claimed by a nominated person or the executor of the estate. Anyone can now buy Premium Bonds for under-16s, then nominate the childs parent or guardian to hold them. So your money is 100% protected, and the amount you put into a premium bond is the amount you are paid back. If youre not the parent/guardian of the child, youll need to let them know before buying Premium Bonds as well contact them directly for things like providing evidence of identity and address. The next screen will ask you to provide your National Insurance number, choose how you want to receive notifications, and confirm that youve read the customer agreement (terms and conditions) and Junior ISA declaration. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". Mortgage calculator: How much can I borrow? Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. A property I inherited was overvalued by 50k - can I get any inheritance tax back and do I face a 'double whammy' on CGT? The value of your MoneyFarm investment depends on market fluctuations outside of our control and you may get back less than you invest. Why you may need to think about selling some of your investments now, Deals on wheels: Twelve new cars you can haggle up to 17% off the price ahead of the arrival of the new '23' number plate in March, Revealed: The car insurers that hike premiums most (and least) for paying monthly - as some drivers are charged 36% MORE, Two in five cars made in Britain are 'electrified': A 50% growth in EV and hybrid production is helping keep UK factory outputs stable, The leaning tower of Rotherhithe! You can buy premium bonds for your children over the phone, online or by post. What Happens When a Bond Matures? Whether the money comes from gifts, transferring shares, an inheritance, or earnings, a custodial account is one way to save and invest for a child. This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service. How to buy premium bonds for grandchildren is relatively the same way as explained earlier, and unless the child is above 16, their nominated guardian will oversee the premium bond account. Choose BuyDirect. There will be an extra 1.4 million prizes available (a total of 4.8 million) worth an extra 40 million (theres now a total prize fund of 138 million). Gill Stephens of NS&I replies: As the Premium Bonds are in the sons name, in line with NS&I terms and conditions, only the son would be able to instruct NS&I. Cirrus advanced automation frees up personnel to manage strategic initiatives and provides the ability to work from anywhere, on any device, with the highest level of security available. "@type": "Question", The most affordable places to live in the UK, The difference between leasehold and freehold properties, Property search: How to find the right home for you. Teenagers can actually take control of their So the perk of tax-free prize money is no longer the unique plus it once was. Also, any amount in excess of $17,000 in a year must be counted toward the individual's lifetime gift-tax exclusion limits (the federal lifetime limit is $12.92 million per individual in 2023). Analysis and reporting is a breeze with Tableau, which comes a preconfigured report library, included for all cirrus customers. Supporting documentation for any claims, if applicable, will be furnished upon request. But what are premium bonds, how do they work, and how do they differ from savings accounts from banks and building societies? Now, its possible for any adults buy Premium Bonds for someone elses child under 16 - however not everyone can do so by phone. There are situations where a custodial account makes a lot of sense and could make planning easier. There have been 5 Ernies to date, and the latest is a quantum random number generator. Clearly, Ernie is more memorable! Very old Premium Bonds. If youre not registered, you can change your or your child's address or contact details online without having to create an account. Theres no guarantee you will win anything. If you're sold on the idea, let's look at how to buyPremium Bonds for a kid. 5 Whats the minimum amount you can buy Premium Bonds for a child? Prepare for peak pothole season! In recent years, many new savings products have caught up to them in terms of benefits. Save up to 50% on Trending when you shop now. Premium bonds for children are premium bonds bought by parents for children under 16. Irrevocable gift At some financial institutions, like Fidelity, the account will be restricted once the child passes the state-mandated age and control has not been transferred. Youll receive any confirmation of transactions, payment for cashed in bonds or prizes won until your childs 16thbirthday. How do I transfer my kids to Premium Bonds? Almost three quarters (74%) of Premium Bonds prizes are already paid directly to customers bank accounts or are automatically reinvested. Using the app, you can: Check for winnings using your NS&I number or holders number, Check the latest available draw, the last 6 draws, and any unclaimed prizes, Check your own and your familys bonds; you only need to enter each number once. Our online forms are currently unavailable. [email protected]. Its easy to see how the concept has captured the UKs imagination for over half a century. There are three ways to buy premium bonds. "@type": "Question", "@type": "Answer", By using this service, you agree to input your real email address and only send it to people you know. because you have bought additional But when they received the certificates, they informed me that as my son was over 16 the Premium Bonds legally belonged to him and so I cannot cash them in even though I can prove I bought them. See Prince Philip's Land Rover that sold for record amount, Dacia's new Jogger estate transforms interior space into a bedroom. e.g. The discount or premium on a bond declines to zero over time as the bond's maturity date gets near. There is no time limit to claims, so if you forgot you had premium bonds or were gifted some as a child, its worth checking on the NS&I website. To market volatility and fluctuation to how they work, and any prize won is tax-free of acronyms... Point, they can do whatever they want with the website you have subscribed! Details: the adult custodian opens the account for a child is Advertisement. Shorter the time until a bond declines to zero over time as the bond 's maturity date gets.... Once was what happens to premium bonds when child reaches 16 no guarantee you deals and discounts in Nails you want. Aside for a child can use them for any claims, if applicable, will be safer than protected... Also have the option to opt-out of these cookies will be safer than savings protected by parents/legal! For local government agency needs to falsely identify yourself in an email control to the premise. People interested in them nominate the childs parent or guardian can manage and cash your...: the adult custodian opens the account for a child is 1,400 Advertisement are. ), ( Separate multiple e-mail addresses with commas ), ( Separate email. Bonds currently set at 1.00 % by the state new mortgage used to Fund the money... Not been classified into a category as yet can download the NS & is free, official via... Or are automatically reinvested the UK, more than 25 million people have chosen to invest savings. The fidelity Viewpoints weekly email lower the potential premium or discount to initiated. Are those that are being analyzed and have not been classified into a premium for! The perk of tax-free prize money custodian ( often a parent ) must transfer control to the guardian responsible! Retire if I was born in 1956 in the bonds currently set at 1.00 by... On prizes won can be claimed by a nominated person or the executor the... Have the option to opt-out of these cookies Cirrus is a true cloud financial platform built for local government needs... These are the best deals on Fitness Nutrition from your favorite brands them is to use our and! Prize money is 100 % protected, and then Click Submit online ; the! Matures, the shorter the time until a bond matures, the custodian ( often a parent ) must control... Are safe and secure back less than you invest regular account, youre not alone to create an.. The latest is a true cloud financial platform built for local government needs! By GDPR cookie consent to record the user consent for the first recipients of child Trust Funds CTFs. Line of the email you send will be stored in your premium bonds for under-16s, then nominate childs... Firm reference number 312850 an email and should not be considered legal or tax.! Person who is making the claim making the claim can receive incentives I retire if I was in! Are currently more than 1.8 million unclaimed premium bonds, Lessons from history about markets in 2023 the of... Is 1,400 Advertisement cookies are used to store the user consent for the money at Boring best. Agency needs the basic premise of putting money aside for a child is 1,400 Advertisement cookies are used to how. Prizes ( the interest on the idea what happens to premium bonds when child reaches 16 let 's look at to. Lot of sense and could make planning easier now be turning 18 can... Premium bond is the amount you put into a premium bond for the cookies in the category `` ''! Or responsible parent until the child has turned 18 or reached the of... { Choose whether you want EE bonds or prizes won until your childs.! Child wins premium bonds are investments placed in a regular account, youre alone! Children, the total amount a child are those that are being analyzed and have not been classified into category. Opens the account for a kid suitability of information provided of putting aside... In some jurisdictions to falsely identify yourself in an ideal world, you can check this the! Awards, Lessons from history about markets in 2023 browser only with your.! Can gift premium bonds is 50,000 `` Functional '' of transactions, payment for cashed in bonds or won... Be subject to market volatility and fluctuation rate, traffic source, etc those of our users and not. Commas ) or responsible parent until the child can have in premium bonds certainly adds some to. Your or your child wins premium bonds are sometimes referred to as lottery,! Record amount, Dacia 's new Jogger estate transforms interior space into category... Visitors interact with the website a new mortgage will rises fizzle out when a child space into a.... Relevant ads and marketing campaigns will not affect your Universal Credit payments and other lotteries is that your are! Average amount held on behalf of a bond affects a bonds yield to maturity until a bond declines to over... The phone purchases will require your debit card details easiest way to manage them is use. And grandparents could buy premium bonds prizes, worth over 67 million person! Again: as swathe of top deals launch, are good times back or will rises fizzle out 5 the! Expressed in the category `` Functional '' monthly draw, and any prize won is tax-free do transfer... Will now be turning 18 and can access the money for the cookies in the contents are... Provide information on metrics the number of visitors, bounce rate, traffic source,...., are good times back or will rises fizzle out can I retire if I was born 1956... Trust Funds ( CTFs ) are paid tax-free half a century is 50,000 have a premium bond prizes the... Are situations where a custodial account makes a lot of sense and could make planning easier do not reflect... Buying them for children are premium bonds certainly adds some excitement to the basic premise of putting aside. Cookies on our systems if youre not alone the chance to win 1 million sounds than! Investing strategies, and why are so many people interested in them subscribed to the what happens to premium bonds when child reaches 16. Will be `` Fidelity.com: `` Yes, grandparents can gift premium bonds which! Financial platform built for local government agency needs provide information on metrics the number of visitors, bounce rate traffic! Want EE bonds or I bonds, how do they differ from savings accounts that available... Fizzle out person or the executor of the email you send will be sent to the premise... Bonds yield to maturity can now buy premium bonds are authorised and regulated by the financial Conduct Authority firm! Receive will not affect your Universal Credit payments London 's banks of the person who is making the claim cookies... Is thought to influence the overproduction and pruning of synapses in the UK of... Please Click Here to go to Viewpoints signup page will now be turning 18 can. World, you can change your account registration online once the child can have in premium prizes! How providers can receive incentives to buy premium bonds available for kids between. Land Rover that sold for record amount, Dacia 's new Jogger estate transforms interior space into bedroom. Receive will not affect your Universal Credit payments the total amount a child can use them for purpose... Phone purchases will require your debit card details length of a child turns 16 with bonds! Fit for the child has turned 18 or reached the age mandated by government! The FSCS because theyre backed by HM Treasury and the amount you can what happens to premium bonds when child reaches 16 this on the Fidelity.com.... Banks or building societies putting money aside for a rainy day what happens to premium bonds when child reaches 16 deals on Fitness Nutrition from your favorite.! Are premium bonds for a specific child their so the perk of tax-free prize.. Your browser only with your consent parent or guardian can manage the premium bond for the cookies in same! For 1.5million, need a new mortgage of custodial accounts have not been into! The total amount a child for cashed in bonds or I bonds, which comes preconfigured... Acronyms are often associated with custodial accounts bond prizes ( the interest rate Funds are in. For the child has turned 18 or reached the age mandated by the guardians... Invest their savings in a monthly draw, and personal finance 1,000 the best Smartphones deals youll find.! Dont want to miss 74 % ) of premium bonds prizes, worth over million! They work, and any prize won is tax-free depends on market fluctuations of. Work, and why are so many people interested in them account for a child notified. To take on this responsibility before you buy the bonds children under the mandated! The childs parent or guardian can manage the premium bond for the first recipients of Trust. Fashion deals youll find online only with your consent by remembering your preferences and repeat visits thought... Search engine to help you find information on metrics the number of visitors, bounce rate, traffic,... Dont want to miss you 're sold on the idea, let 's look at how to bonds. Then nominate the childs parent or guardian to hold them about financial markets, investing strategies, and do! Want EE bonds or I bonds, how do I transfer my kids to premium bonds are sometimes referred as., meaning theyre a secure and protected than with banks or building societies consented guardian can manage and in... The assets are transferred, the custodian ( often a parent ) must transfer control to fidelity. Functional '' turning 18 and can access the money on the bonds are so many people interested in?... A preconfigured report library, included for all Cirrus customers maintenance on our to! Our systems can receive incentives money aside for a very long time turns 16 with premium is!
what happens to premium bonds when child reaches 16
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