If you are the lucky one with the jackpot of the Christmas lottery, congratulations, you may not have your life resolved, but if you make it profitable properly, then you will have achieved your goal, and perhaps you no longer need to work for the rest of your days. Surely you will know that if you are the holder of a tenth prize in this traditional draw among Spaniards you will be the cover of many news because you will have touched 400.000 euros. Although not everything will go to your checking account, since taxes will take a not inconsiderable part of this amount.
20% of your price will go to the Treasury, and as a consequence, the net profit of the operation will be 320.000 euros. It will not be bad either, thinking that you can make it even more profitable, taking it to unsuspected limits as soon as the financial markets support your investments. In any case, it will be about moving this capital with which you did not have at all.
It will be the perfect opportunity to design an investment model that will significantly increase your new personal fortune. You may not know it, but you have before you a series of financial products to achieve these goals, counting on a solid mattress in case things were badly given in its management.
As soon as the investments help you, you will get your wealth to increase between 10% and 20%. That is, through your prize of 320.000 euros, it will become up to 390.000 euros. Willing to enjoy it on trips, pleasures of life, and why not, in some social work to help others, those who need it most.
To achieve this suggestive goal, you will only have to meet three requirements. Be the holder of a tenth winner, plan an appropriate investment strategy to make it profitable, and of course, that it be successful. But don't worry, if you don't know how to develop it, we will help you to achieve it. Through a series of proposals, not excessively difficult to fulfill, and of course realistic, that will need almost all your capital to be carried out.
First key: decide for the bag
According to some stock market analysts next year may be the year for Spanish equities, after the disappointing run during 2015 in which the Ibex 35 has been practically stagnant, at the same levels as at the end of 2014, as a consequence - among other effects - of the uncertainties generated by the electoral elections that have taken place in this space of weather.
Once clear, it may be time to invest the amount of the jackpot in the most lagging values of the index. And in this sense, those related to raw materials are the most likely to be candidates for hiring them. If they only recover a part of what was lost in this exercise, it would represent that your investment would practically double the amount invested.
However, it is a highly aggressive proposal, which can be moderated through diversification in the choice of securities through securities from different sectorsYou could even choose to include in your investment portfolio some representation of companies listed on other international stock exchanges, including a minimal representation of emerging ones.
Second key: diversifying your investment
Finally, if you do not want to squander part of your earnings, you will have no choice but to opt for a greater diversification of your savings. As a formula to guarantee the contributions made. Through both fixed and variable income, but without forgetting the alternative models, and even the traditional savings products (bonds, deposits, bank promissory notes, etc.). Only in this way will you be able to guarantee a minimum performance, although without being very spectacular.
If you want to be a little calmer during the next twelve months, you have as an alternative the contracting of a mixed nature investment fund, in which assets from both fixed and variable income are included in the portfolio. It would be very interesting if it was also flexible, so that it could adapt to any trend in the financial markets, even in the most unfavorable situations.
Thus, you will give more consistency to your savings, and your investment could have a positive evolution, of between 5% and 10%, if they follow the same results as in previous years. As a consequence of this scenario, you would get between 15.000 and 30.000 additional euros through the stroke of luck generated, and without too much effort on your part.
Third key: looking for the safest option
If, after being the recipient of a prize as important as Christmas, you change your strategy and choose a safer model, you will have no choice but to direct it towards a term deposit. But not in any way, due to the low profitability of these banking products. You could opt for a tax targeting new customers, and that it has a better performance than traditional models. Between 1% and 2%, depending on the selected proposal.
With the absolute guarantee that you will recover the money invested, and with a minimum profitability, whatever happens in the financial markets. This strategy would ensure you an income for the next fiscal year of up to 6.000 euros.
Fourth key: in alternative markets
It may definitely be the year of alternative markets, and specifically of the financial assets that have fallen the most in 2016. Specifically, energy and raw materials, which can give you the opportunity to continue making money. Maybe with not very spectacular increases, but with percentages attractive enough to significantly increase your assets over the following months. This investment can be made in different ways, either on companies in these sectors that are listed on the stock market, or through portfolios developed through investment funds and ETFs.
Fifth key: betting on the most bearish values
You can give a certain touch of originality to your investment portfolio through credit operations. In which you will choose the values that you think can go down in this new exercise. Either due to deficiencies in their companies or sectors, or simply because during these years their prices have risen a lot. And as a consequence of this process, change the trend, or simply generate corrective movements in their prices. It is a very aggressive way to improve your results in the checking account, which will require a deeper knowledge of the financial markets, although the reward will be the most favorable to your interests.
Sixth key: lending money to individuals
An original way to get more return on your winnings in the game is to lend money to other people. Through the platforms between individuals, in which some advance cash to others. The so-called P2P that are activated by the internet. Through these unique financing channels, you can achieve an estimated yield of around 6,50% every year as a private lender. That will allow you to get a gross profit of almost 25.000 euros each year.
Decalogue to increase your wealth
Having such a high amount to devote entirely to investment will increase your chances of being a billionaire significantly, even using alternative products in combination with traditional ones, and that a normal investment could not formalize. In any case, it will be convenient that you endow this investment with its own characteristics, if you want to optimize it in the most correct way to satisfy your interests. They would basically come from the following tips:
- Being a new millionaire It will allow you to access financial products so far limited by your previous economic condition, with the consequent benefits in your financial operations.
- Always display you can risk greater contributions, by having the main basic needs covered, even with a fairly powerful and flexible savings fund.
- You will be able to count with a much more efficient professional advisory service, as a consequence of the new economic situation, encompassing the management carried out by banks to large assets.
- If any investment bet goes wrong, it will not cause you any financial loss, but you can even get it back through the next investment, channeling it more accurately.
- your margin of losses will be infinitely wider, with the possibility of including highly sophisticated products that generate much more generous capital gains, and even in some cases above the usual average in these situations.
- You will not be limited to operations with a clear defensive profile, but you will be backed with all your assets, and opening up to new investment strategies so far few explored.
- You will not care so much about the expenses in commissions, or the management of your savings, which can be rewarded in a very clear and direct way. Not even through paying your taxes, although the returns bother you a bit at first.
- It will always be easier to generate large capital gains with a capital of 320.000 euros, like yours, that with 5.000 or 10.000 euros, as happened to you before being lucky with the jackpot of the draw.
- You will be in better conditions to apply mechanisms to protect your savings optimally, adjusting to your investor profile: defensive, intermediate or aggressive.
- And finally, if you do not feel capable of managing your savings, do not worry excessively since you will not have major problems delegating these functions to your usual bank. In all likelihood they will love the idea, and you will be able to carry it out, without any effort on your part. Through a banking service, which is intended for the best clients, among which from now on you will find yourself without a doubt.