Mega-Sena Savings: How Much Return on the $125 Million Prize Per Month? – 09/17/2022

Having accumulated in the last draw, on Saturday (17) Mega-Sena could pay out the seventh largest prize in history: 125 million Brazilian reals. How much would this money generate per month if it was invested in savings or bonds? fixed income?

The report consulted an expert who took the calculations into account inflation and the current interest rate.

The premium amount disclosed by Caixa already includes a 30% discount on Income tax. In other words, the Mega-Sena winner will receive a net amount of approximately R$ 125 million.

Savings: Income of R$851,000

The 125 million reais will save you approximately 851,000 reais per month, according to calculations by André Damasio, broker at WIT Invest. Income is exempt from paying personal income tax.

Treasury Selec and CDB: R$1.152 million and R$1.138 million

Treasury Selic will generate approximately R$1,152,000 each month, after deducting 15% income tax for applications drawn over more than two years.

The CDB (Certificado de Depósito Bancário) with 100% of the CDI (Certificado de Depósito Interbancário) has a slightly lower yield: it will bring in 1 million 138 thousand RRL every 30 days, with income tax also deducted.

Treasury IPCA +: income of R$1.214 million

IPCA + Treasury offers more money to fixed income investors, according to the expert.

This app is linked to the IPCA (Broad Consumer Price Index), which measures Brazilian inflation, currently at 8.73% in the past 12 months (ref. Aug/22).

This address is more recommended for those who want to get a refund in the distant future for the purchase of a house or a car, for example. The government makes options available with expiration dates from five to more than 30 years.

IPCA + Treasury with Redemption in 2045 offers the Mega-Sena winner a total of R$ 1 million and R$ 214 thousand every 30 days taking into account the income tax rate of 15%.
“The interest rate on Treasury bonds will have the profitability described here only if they are held to maturity,” the specialist asserts.

Calculations were based on current information and may change due to economic changes, these are estimates only.