Mega-Sena is one of the lotteries most popular in Brazil, and its prize can change anyone's life. Recently, the accumulated value reached an impressive R$37 million.
But what many people want to know is: how much would this amount yield if it were deposited in savings?
The Income Potential of Savings
The savings account is the most traditional and accessible investment in Brazil. Although it is not the most profitable investment, its security and simplicity continue to attract many investors, especially those who win big lottery prizes and prefer to avoid risks.
Currently, savings accounts yield around 0.5% per month plus the Reference Rate (TR). In the current economic scenario, the TR is zero, which makes the calculation easier. Therefore, we can consider a monthly yield of 0.5%.
Calculation of Monthly Income
To understand the impact of income on savings, let's calculate how much R$ 37 million would yield in a month.
First, we multiply the principal amount by the monthly yield rate:
[ Monthly Income = R\$ 37,000,000 \times 0.005 ]
[ Income \, Monthly = R\$ 185,000 ]
This means that, at the end of a month, the R$ 37 million prize in savings would generate a return of R$ 185 thousand.
Annual Accumulation
Although the monthly income already seems quite attractive, the impact is even greater when we consider the accumulated income over a year. To calculate the annual income, we need to multiply the monthly income by 12.
[ Income \, Annual = R\$ 185,000 \times 12 ]
[ Income \, Annual = R\$ 2,220,000 ]
Thus, in one year, depositing R$37 million in savings would yield R$2.22 million, which is enough to provide a very comfortable income.
Mega-Sena: Comparison with Other Investments
Although the return on savings is guaranteed and free from significant risks, it is relatively low when compared to other types of investments.
For example, investments in Treasury Direct bonds, CDBs (Bank Deposit Certificates), or even investment funds, generally offer higher returns, despite being accompanied by greater risks.
Savings vs. Inflation
Another crucial point to consider is the inflation. If annual inflation exceeds savings yields, it will reduce the purchasing power of the yields.
In recent years, inflation in Brazil has varied, but there are times when it exceeds the yield on savings, which can result in real losses in purchasing power.
Mega-Sena: savings
Depositing the R$37 million Mega-Sena prize into savings is a safe and practical option, especially for those who do not want to worry about the risks or complexities of other investments.
However, it is essential to assess the economic context and consider other investment options that may offer higher returns, preserving and potentially increasing purchasing power over time.
Whatever your decision, it is essential to have good financial guidance. This way, you can ensure that this amount will be well managed and will contribute to a solid and peaceful financial future.
Image: Reproduction/Internet.
