Where it invests a prize of 110 million Brazilian riyals

At least one bettor can bill Appreciation prize of R$110 million from Mega-Sena This Wednesday (30). The amount paid by the fund You can buy everything from the most expensive penthouse in Brazil to Neymar’s personal helicopter. But what if all this money is invested, with the possibility of increasing the capital by more than one million Brazilian reals per month?

a UOL I spoke to Márcio Loréga, director of research and economics at Pagbank, who gives advice. Calculations take into account interest and inflation today. If the numbers are updated, the winnings will change as well.

The premium amount disclosed by Caixa already includes a 30% discount on Income taxthat is, the Mega-Sena winner will receive a net amount of approximately R$110 million.

A savings guarantee of 671 thousand Brazilian riyals every 30 days

The saving account It is popular among Brazilians, but is rejected by experts due to its low yield (Check the values ​​below). Its profitability is currently at 0.61%, according to an update made by the Central Bank (BC) on Monday (28).

With this percentage, investing R$110 million in this method results in an additional monthly gain of R$671,000. “It’s a good amount, but it will make less money [do que outras opções]. I don’t recommend it,” says Loriga.

That’s a high value considering the wealth Mega-Sena is paying out, but there are public and private bonds that offer even more upside for investors.

Treasury Selic and CDB: a difference of 11 thousand Brazilian real

Public bonds from the national treasury—issued by the federal government—and from private institutions, such as banks, provide more money than savings.

For example, file Selek’s Treasure It is pegged to the Selic base interest rate (currently at 11.75%) and provides an additional income of R$814,000 every 30 days. Already CDB (certificate of bank deposit) Which produces 100% of the CDI (certificate of deposit between banks) offers an increase of R$825,000 if the investor invests R$110 million in it.

The two options have similar monthly returns: Treasury Selic currently returns 0.74%, CDB at 100% and 0.75%. The difference is that in electronic treasury – and in other public securities – money is lent to the federal government, while in This CBD loan is offered to financial institutions. Both can be replaced in advance.

In short: “These are investments that yield much more than savings and are more attractive than savings.”

Another difference is that the government is obligated to pay the investor, regardless of the amount applied; CDB bonds covered up to R$250,000 by FGC (credit guarantee fund)a private entity that protects depositors and investors within the national financial system.

Treasury Direct limits monthly investments to R$1 million per investor.

IPCA Treasury: Over 1 Million Rls per month

For the novice investor looking to a permanent future, the IPCA Cabinet Reigns as a very attractive fixed income option. This method is related to the IPCA (Broad Consumer Price Index), which measures Brazilian inflation, currently at 10.54% in the 12-month period.

The government offers options for sale with an expiration of five years to more than 30 years. With the current yield at 1%, the treasury of IPCA with redemption in 2055, for example, earns R$1.1 million per month.

With this recognition, the future Mega-Sena millionaire has access to a long-awaited retirement with financial health.

Loréga says that the monthly payback is not specified for this public security. “The volatility is very strong because of the interest rate. It is very likely to swing between more and less profitable until Selic stabilizes and starts to decline. But we don’t have a clear expectation for that in the future,” he says.

Pagbank analyst says that even with the above numbers, the ideal model is for an investor to have Diversified investment portfolio And don’t just rely on one option to increase your income.