Imagine a moment: 322,000 euros that suddenly enter your pocket, from one day to another. You just won the first prize of Christmas lottery and, after discounting the taxes, this is the money with which you stay. And now, what to do with all that? ¿Leave the job? ¿Satisfy a great whim? Cover needs? "The smaller the reward, the more you tend to plug holes and, on the contrary, the greater the amount of money, the more options there are for use it as an investment to get other income, "speculates the financier expert of the iHealth banking comparator, Antonio Gallardo.
So, if winning the Gordo would not allow you to withdraw from the working world and live off the story (do not flip it either), these are five ideas to continue taking advantage of the prize for the rest of your life. Do not forget them if it touches you. You never know. And luck!
Checking accounts and deposits
Granted, we must admit: the profitability of these products is in tatters. But you have a conservative profile, right? You run away from the risk that characterizes more complex investments, so put your money in a checking account or in a deposit It would not hurt so badly. Of course, be as active as possible in its management, "to get the best performance," suggests Gallardo.
"I would allocate around 30% of the fat in these liquid assets as a mattress, to use it in the event of having urgent needs to cover and avoid getting rid of other assets, which could lead to losses," says this expert. The mistake would be to have the entire prize saved in them or not to negotiate a higher interest. At the end of the day, 30% of 322,000 euros are almost 100,000 euros … Do not be afraid, this is your trick.
Fixed-income or guaranteed investment funds
Take a small risk now and dedicate another 20% of the first prize in the Christmas raffle in fixed income investment funds for at least three or five years, or guaranteed funds until the guarantee expires, in order to obtain medium-term profits.
"If the winner really had a very conservative profile, I would tell him to invest some more in these products, with the purpose of seeking benefits of 2% or 3%, which would allow him to compensate for the loss of purchasing power" due to the progression of the CPI , says Gallardo. In any case, this expert advises to diversify. "Do not invest all alone in one or two funds and consult several financial institutions, beyond your own bank", is the suggestion for anyone who invests in these products.
Equity funds, stocks
25% or 30% of the gross in equity, in shares? Yes, according to Gallardo, and to look for higher returns. But to a condition, fundamental: "that is in the long term, since, to short, it is an investment that can suffer strong fluctuations", warns. Well, forget about this money for a long time, at least 10 or 15 years, since you can not use it for emergencies.
"Everyone should, to a greater or lesser degree, dedicate something to investment risk," says this expert, although, in the case of suffering a lot of vertigo, advises that it be small. And always, and even more forcefully than with fixed income, diversify the portfolio and request the help of a good advisor.
Whatever your profile, risk-averse or distrustful, the winner of the first prize in the Christmas Lottery should allocate "10% to pension plans, and reserve another 10% for subsequent contributions ", in the words of Gallardo. In this way, take advantage of the tax benefits that are applied to the income to this type of products, up to the limit of 8,000 euros per year.
Remember that you must adapt the investment to your circumstances, like the rest of the savings and the years that remain for retirement, and, once again, vary it through several plans or similar products.
The real estate market is clearly bullish at this time, and 10% of Spaniards who intend to buy a home would now do so with the aim of investing, according to a survey by the agency online casaktua It is a good option for the winner of the Gordo, but only as an alternative to the highest risk products. "Housing is subject to price fluctuations with sudden changes in supply and demand, so it can take a long time to sell, even if it is a loss, as happened after the last crisis ", explains Gallardo.
Because of the limits in its liquidity, which depends on the circumstances of the market, and on the differences in its profitability according to the geographical area in which it is located (it is not the same to have a flat in the center of Madrid than in a town), Investment in housing requires prudence. Therefore, Gallardo recommends "taking your time" to thoroughly analyze the market. And, if you want to invest through real estate funds, socimi or Business fintech, "Look for a secondary market in which to eventually resell the shares in these projects, so as not to have liquidity problems".
The investment possibilities for the winner of the first prize of the Christmas Lottery are many, but what would the Spaniards do if they were awarded with the 322,000 euros of the Gordo? An overwhelming majority of them, 40.9%, would dedicate them to repay debts. Another 22.3% would buy a house, 16.2% would save, 12.7% would use it for other types of expenses, and 7.9% would buy a car, according to a survey by iAhorro.
"It is clear that repaying debts is one of the best options if you win the first prize," admits the banking expert, Antonio Gallardo. Even so, in the case of having a mortgage for buying the house before December 31, 2012, advised to reserve the money and go back 9,040 euros per year, ie the limit to get the deduction of 15% in Income declaration.
Among the products in which the money of the Gordo would invest the respondents who indicated to choose this option, the most desired are the deposits and the accounts, which would choose 39% (five percentage points less than last year). The one that grows the most with respect to 2017 (six percentage points more) is housing, with 18%. 23% would put the money in investment funds, 13.8% in pension plans, and 6.2% in other products.