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Find out where to invest your R$40 million Mega-Sena prize! See the yield simulation and why the CDI beats savings accounts.
The dream of winning a fortune in Mega-Seine The next drawing is getting closer, but what should you do with the R$40 million prize? An exclusive survey conducted by Michael Viriato, a strategist at Casa do Investidor, detailed how this amount can generate a high return for the lucky winner.
The simulation, commissioned by a major news network, considers the current base interest rate (Selic) at 15% and shows that more profitable investments significantly outperform traditional savings accounts, with a particular focus on CDBs, which offer the best returns.
The draw takes place this Thursday (16)/10/2025, at 20 pm, at Espaço da Sorte, in São Paulo, and the analysis serves as a guide for those who wish to multiply their capital.
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CDB at 110% of the CDI leads the yield ranking
Invest the millionaire prize Mega-Seine on a bankary deposit receipt (CDB) of medium-sized banks that offer 110% of the Interbank Deposit Certificate (Permanent) proves to be the most profitable strategy, according to the expert.
In other words, this option of return would beat all other investments evaluated.
To who get that rate, the same R $ million 40 would yield R$407 in a single month. Furthermore, the annual gain jumps to an impressive R$5,4 million, transforming the financial life of the winner of the Mega-Seine.
It is important to emphasize that the Permanent (Interbank Deposit Certificate) is the rate that governs transactions between banks and is very close to the Selic rate, which guarantees the attractiveness of the CDB in this simulation.
Traditional savings continue to have the lowest return
On the other hand, the old and well-known poupança, which is exempt from Income Tax (IR), continues to have the lowest potential for return for the value of the prize Mega-Seine.
the rule of return da poupança leaves it at a disadvantage compared to other applications.
According to the survey, in the short term of one month, the investment would yield just over R$266. However, after one year, the accumulated gain would be R$3,3 million.
Despite being the simplest of all options, poupança falls behind when the objective is to maximize the return of such a large capital, as the prize of Mega-Seine.
Income comparison and the importance of the Selic rate
The detailed study was not limited to poupança and CDB. The Tesouro Direto (considered the post-fixed Tesouro Selic bond) and DI funds, which closely follow the Permanent and the Selic rate.
The accounts are already presented in net form, which means that the Income Tax (IR) due on the earnings has already been duly discounted – remembering that only the poupança is free of this charge.
The analysis uses as a basis an administration fee of 0,5% for DI funds and 0,2% for Tesouro Selic.
It is essential to know that these rates may vary depending on the fund or broker, but they serve to provide a realistic estimate of the return.
Mega-Sena Draw Details
Contest 2928 of Mega-Seine, which will distribute the estimated R $ million 40, will be carried out this Thursday (16), at 20 pm (Brasília time).
The drawing will take place at Espaço da Sorte in São Paulo. Bets can be placed until 19 p.m. on the day of the drawing. For those who want to watch live, the broadcast will be broadcast on Caixa Econômica Federal's social media channels.
So while the die is being cast, it is prudent to understand the best options for return for the prize of Mega-SeineWith the CDB emerging as the great champion to multiply your assets.
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