After accumulating twice, Mega-Sena can pay this Wednesday (27) an estimated prize of R$ 36 million. How much would this money yield if it were invested monthly in fixed income? Is it worth putting into savings or should the winner look for other options?
O UOL chatted with Jhon Wine, financial educator at Dsop, who brings suggestions for low-risk investments. The calculations consider today’s interest and inflation. If the numbers are updated, the winnings will also change.
The prize amount announced by Caixa already includes a 30% discount on the Income Tax rate, that is, the Mega-Sena winner will receive a net amount of around R$36 million.
Savings give R$ 234 thousand per month
The savings account is popular among Brazilians, but it is not the darling of investment specialists for just one reason: its low return. Its profitability is currently 0.65%, according to the last update made by the BC (Central Bank) on Monday (25).
Based on this estimate, investing the R$36 million gives an extra income of R$234,000 per month to the Mega-Sena winner, according to Wine’s calculations.
Although this value is interesting, there are other options for public and private bonds that are more favorable to the investor’s pockets.
Treasury Direct limits the maximum investment per person to R$1 million per month.
Treasury Selic and CDB: R$ 255 thousand and R$ 259 thousand
Wine says that government bonds from the National Treasury and from private institutions, such as banks, are more profitable than savings.
To give you an idea, the Selic Treasury, linked to the basic interest rate, the Selic – today at 11.75% –, has a yield rate of 0.71%. The CDB (Bank Deposit Certificate) offers slightly higher gains: 0.72%.
From this percentage, the Selic Treasury guarantees an extra gain of R$ 255 thousand every 30 days. The CDB, in turn, gives a little more: R$ 258 thousand. Both one and the other can be redeemed in advance.