Mega-Sena has accumulated again and can pay this Wednesday (22) an estimated prize of R$ 70 million. How much would this fortune yield per month if invested in savings or fixed income bonds?
O UOL talked to Jhon Wine, financial educator at Dsop, who offers low-risk investment tips. The calculations consider interest and inflation until this Tuesday.
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$70 million.
Savings offers BRL 462 thousand monthly
The savings account may be well accepted among Brazilians, but it is not recommended by investment specialists because of the low return. Its profitability is currently 0.66% per month, according to the last update made by the BC (Central Bank), on Friday (17).
The Mega-Sena winner would have a monthly income of R$ 462 thousand in savings, according to the expert’s calculations.
Wine says that investors find other options for public and private bonds more attractive to their pocketbooks. In the case of Tesouro Direto, the maximum investment is limited to R$ 1 million per month per person.
Treasury Selic and CDB: BRL 560 thousand and BRL 567 thousand
Wine recalls that public bonds, from the National Treasury, and bonds from private institutions, such as banks, yield more than savings.
The Treasury Selic, which is linked to the basic interest rate, the Selic —today at 13.25%—, offers a yield of 0.8% per month. Mega-Sena’s millionaire prize would guarantee passive income of R$ 560 thousand per month.
The CDB (Certificado de Depósito Bancário) with 100% of the CDI (Certificado de Depósito Interbancário) has a slightly higher yield: 0.81% per month. This investment option yields R$ 567 thousand monthly.
Both modalities can be redeemed before the expiration date.
IPCA Treasury yields R$ 735 thousand per month
The IPCA Treasury offers even more money to fixed income investors, according to the expert. This application is linked to the IPCA (Broad Consumer Price Index), which measures Brazilian inflation, currently at 11.73% in the last 12 months.
This title is more suitable for those who want to redeem the money in a more distant future to buy a house or a car, for example. The government makes options available with expiration dates from five to more than 30 years.
With a monthly yield of 1.05%, the IPCA Treasury with redemption in 2055 yields exactly R$ 735 thousand to the Mega-Sena winner every 30 days.
Wine declares that the investor must respect the maturity period to redeem the money, to avoid losses caused by the volatility of asset prices.