Mega-Sena accumulated and can pay an estimated prize of R$ 48 million this Saturday (30). How much would this money yield if it were invested monthly in fixed income?
O UOL talked to Jhon Wine, financial educator at Dsop, who brings suggestions for low-risk investments. The calculations consider today’s interest and inflation.
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 approximately R$ 48 million.
Savings guarantee R$ 317 thousand per month
Popular among Brazilians, the savings account is not recommended by investment specialists. The reason: the low return. Its profitability is currently 0.66% per month, according to the last update made by the BC (Central Bank) on Thursday (28).
Based on this estimate, the investment of BRL 48 million in savings gives an income of BRL 317,000 per month for the Mega-Sena winner, Wine’s calculations show.
It may seem like a good amount, but there are other options for public and private bonds that are more favorable to the investor’s pocket.
In the case of Tesouro Direto, the maximum investment is limited to R$ 1 million per month per person.
Treasury Selic and CDB: BRL 340.5 thousand and BRL 345.5 thousand
Wine states that public securities from the National Treasury and from private institutions, such as banks, yield more than savings.
For example, the Treasury Selic, which is linked to the basic interest rate, the Selic — today at 11.75%. It offers a yield of 0.71% per month. That is, it guarantees a monthly income of R$ 340.5 thousand.
A CDB (Certificado de Depósito Bancário) with 100% of the CDI (Certificado de Depósito Interbancário) has slightly higher gains: 0.72% per month. If you invest in it, the Mega winner R$345,500.
Both applications can be redeemed before expiration.
IPCA Treasury gives R$ 490 thousand
According to Jhon Wine, the IPCA Treasury generates even more money for fixed income investors.
This option is linked to the IPCA (Broad Consumer Price Index), which measures Brazilian inflation, currently at 11.3% in the last 12 months.
The title is more suitable for those looking to redeem the money in a more distant future. The government offers options with expiration dates of five to more than 30 years.
With a monthly yield of 1.02%, the IPCA Treasury with redemption in 2055 (the furthest date available today) yields BRL 490 thousand every 30 days.
But the expert says that the investor must respect the maturity period to redeem the money, to avoid financial losses caused by the rise and fall of asset prices.
