Every Brazilian has already been caught imagining what it would be like to win the Mega-Sena da Virada prize, how to spend or invest... But I'll warn you right away, winning this jackpot is not easy! The prize value of this 2021 edition today is estimated at R$ 350 million and the chance of being a winner is getting smaller.
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If you happen to be drawn this year, it's very important to know how to administer the Mega da Virada prize, and can even multiply the value when performing an application correctly. Follow along.
Is investing in a savings account a good option?
Currently there are other means more profitable than the savings account, so it may not be considered a significant investment, but it is the best known method among the population Brazilian.
If the value of the premium for the year 2021 (R$ 350 million), if you make an investment in the passbook that yields 0.5% per month plus the Referential Rate (TR), the result of the income will be R$ 1.75 million per month. It is a result to be considered, but as previously mentioned, today there are options that would yield the same value in less time.
DI or Selic Treasury funds may be more profitable
When comparing the savings account, which yields 0.5% in the month, with the Selic Treasury and the DI funds, which currently yield 0.74% per month, the two are visibly more advantageous in relation to savings, and are also right investment alternatives and safe.
The monthly income of these two options would be around R$ 2.59 million per month, showing that both pay taxes, so the profit would be R$ 2.01 million.
It is worth mentioning that in DI Funds there is a “quota eater” that makes the payment of taxes in advance. So they are charged every six months. The value of the quota varies in relation to the fund that the client chooses.
Is it worth diversifying investments?
Regardless of where it will be invested, the best strategy is to apply the value in several options. As for example in stocks (variable income), investing internationally or investing in a multimarket fund. This way you will be safer regarding the preservation of your heritage.
In addition, if you have a high amount to invest, you should look for a financial professional to help you.
So, now that you know how to manage the Mega da Virada prize. So, take the opportunity to forward this article to that friend of yours who would also like to know.
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