After accumulating in the last draw, Mega-Sena can pay out an estimated prize of R$70 million on Saturday (10). 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$70 million.
Savings: 518 thousand Brazilian real income
The R$70 million would save roughly R$518,000 per month, according to calculations by André Damacio, broker at WIT Invest. Income is exempt from paying personal income tax.
Treasury and CDB: 651 thousand Brazilian reais and 643,000 Brazilian reais
Selic’s Treasury will generate approximately R$651,000 each month, after deducting 15% income tax for applications drawn over more than two years.
The CDB (Certificado de Depósito Bancário) with 100% of the CDI (Certificado de Depósito Interbancário) has a slightly lower yield: it will bring in 643,000 R$ every 30 days, also after deducting income tax.
IPCA + Treasury: Income of 679 thousand Brazilian riyals
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$679,000 every 30 days taking into account the 15% income tax rate.
“The interest rate on Treasury bonds will have the profitability described here only if the investment is held to maturity,” the specialist asserts.
Calculations have been made based on current information and may change due to economic changes, and these are estimates only.
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“At some point there will be an increase in the tax burden,” says Mileson da Nóbrega.
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