Advertisements
Winning the Mega-Sena is the dream of many Brazilians. But after the euphoria of winning, a crucial question arises: where to invest this amount? Savings accounts, traditionally known for their security, are one of the options considered.
But how much would a Mega-Sena prize of R$60 million be worth if deposited in this way? Continue reading the text to find out how much this jackpot could really be worth.
Understanding savings yield
Savings accounts are one of the most traditional and safest investments in Brazil. Their yield is linked to the Selic rate, the economy's basic interest rate. In recent years, the Central Bank has announced reductions in the Selic rate, directly impacting savings yields.
Advertisements
When the Selic rate is below 8.5% per year, savings accounts yield 70% of the Selic rate plus the Reference Rate. If the Selic rate exceeds this level, the yield is 0.5% per month plus the Reference Rate. Currently, with the Selic rate at 12.75%, a prize of R$ 60 million in the Mega-Sena could generate approximately R$ 366 thousand per month in savings accounts.
Investment alternatives for Mega-Sena
In addition to savings, there are other investment options. One of them is the Bank Deposit Certificate (CDB). Investing the award of Mega-Sena in the CDB, the winner could obtain a monthly return of around R$1,463 thousand, after deducting Income Tax.
Advertisements
Another option is the Treasury IPCA+, which could yield R$423 thousand per month. However, this investment has the particularity of limiting withdrawals for a specific period. There is also the Treasury Selic, which could yield R$468 thousand per month.
The decision of where to invest the Mega-Sena prize depends on the winner's profile and goals. While savings accounts offer security and liquidity, other options may offer more attractive returns. Regardless of the choice, it is essential to look for information and, if possible, financial advice to make the best decision.
Image: Marcello Casal Jr/ Agência Brasil
