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Discover Where to Invest the R$ 40 Million Prize from the Mega-Sena! See the Profit Simulation and Why the CDI Surpasses Savings.
The dream of winning a fortune in the Mega-Sena is closer with the upcoming draw, but what to do with the R$ 40 million prize? An exclusive survey conducted by Michael Viriato, strategist at Casa do Investidor, detailed how this amount can generate high returns for the lucky winner.
The simulation, requested by a major news network, considers the current benchmark interest rate (Selic) at 15% and shows that more profitable investments significantly outperform traditional savings, with a special highlight on CDB, which offers the best return.
The draw takes place this Thursday (October 16, 2025), at 8 PM, at Espaço da Sorte in São Paulo, and the analysis serves as a guide for those looking to multiply their capital.
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CDB at 110% of CDI Leads the Return Ranking
Investing the million-dollar Mega-Sena prize in a Certificate of Deposit (CDB) from medium banks offering 110% of the Interbank Deposit Certificate (CDI) proves to be the most lucrative strategy, according to the expert.
In other words, this return option would outperform all other evaluated investments.
For those who can secure this rate, the same R$ 40 million would yield R$ 407 thousand in just one month. Furthermore, the annual gain jumps to an impressive R$ 5.4 million, transforming the financial life of the Mega-Sena winner.
It is important to emphasize that the CDI (Interbank Deposit Certificate) is the rate that governs operations between banks and closely tracks the Selic rate, ensuring the attractiveness of the CDB in this simulation.
Traditional Savings Continues with the Lowest Return
On the other hand, the old and well-known savings, which is exempt from Income Tax (IR), continues to have the lowest potential for returns on the Mega-Sena prize amount.
The return rule for savings puts it at a disadvantage compared to other investments.
According to the survey, in the short term of one month, the investment would yield just over R$ 266 thousand. However, after a year, the accumulated gain would be R$ 3.3 million.
Despite being the simplest of all options, savings falls short when the goal is maximizing the return on such a large capital, like the Mega-Sena prize.
Comparison of Returns and the Importance of the Selic Rate
The detailed study did not limit itself to savings and CDB. It also analyzed Tesouro Direto (considered the post-fixed title Tesouro Selic) and DI funds, which closely follow the CDI and Selic rates.
The calculations are already presented in net terms, meaning that the Income Tax (IR) due on the earnings has already been properly discounted – noting that only savings is exempt from this charge.
The analysis uses a management fee of 0.5% for DI funds and 0.2% for Tesouro Selic as a basis.
It is essential to know that these fees may vary depending on the fund or brokerage, but they serve to provide a realistic estimate of the return.
Details of the Mega-Sena Draw
The contest 2928 of the Mega-Sena, which will distribute the estimated R$ 40 million, will be held this Thursday (16), at 8 PM (Brasilia time).
The draw takes place at Espaço da Sorte in São Paulo. Bets can be placed until 7 PM on the day of the draw. For those who wish to watch live, the transmission will be carried out through the social media channels of Caixa Econômica Federal.
Therefore, while luck is cast, it is prudent to understand the best return options for the Mega-Sena prize, with CDB emerging as the great champion to multiply your assets.
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