This weekend, the traditional Christmas draw will distribute a total of 2.380 million euros, of which only the winners will have to pay any of the first four prizes of this lottery and always for an amount that exceeds 10.000 euros. Therefore, if you are one of the winners with the long-awaited Fat Christmas you will pocket a total of 322.000 of the 400.000 euros per tenth. In this way, the remaining 78.000 euros will go to the state coffers as taxes. This is the scenario that presents itself if luck smiles on you this weekend.
The main novelty that this year presents one of the most popular games of chance among Spaniards is that the exempt amounts are increased and only those that exceed the 10.000 euros per tenth. You should take it into account from now on before the possibility that your lottery ticket is one of the lucky ones in this draw with which the Christmas holidays are opened. If this were in this way, you will have a series of options to expand these important gains that you did not have in your personal finances.
If you are one of the lucky ones, they can once again tempt your luck and think that you can improve this personal wealth through the equity markets. Among other reasons because there will always be business opportunities with which to increase the money you have won in the Christmas lottery. With the possibility of adapting it to the profile you have as a small and medium investor: aggressive, conservative or intermediate. In any case, it is an alternative before it goes to your savings account.
Fat Christmas: Stock Market Values
One of the first options you have at hand to improve your personal assets is to go to the Spanish equities that have a greater potential for appreciation. You can not forget that the Ibex 35 during this year that is about to go has had a very negative evolution by leaving more than 13% of your rating. To the point that it can close the year at annual lows, very close to the level of 8.600 euros or even lower if the downward trend continues during the last days of the year.
From this real scenario, there is a stock sector that has had a worse performance in the stock market and that is the banking sector. With depreciation of around 20%, but with very good prospects for the medium and long term. One of the strategies, therefore, is to invest in some of the banks that are publicly traded and take advantage of their low prices. Bankia, Santander, BBVA or Sabadell can be some of your proposals to make the long-awaited Christmas Gordo profitable.
Potentials up to 30%
Some financial market analysts estimate that the stocks in this important sector are discounted in their market prices. between 20% and 30%. With a term of permanence, at least a few years. Because they currently present prices that are very adjusted to their business reality and that is due to the many problems that the sector has had in this year, which has very few hours left to pass to a better life. It is certainly not a risky position since the share price is very competitive at the moment. Below your actual rating.
On the other hand, you cannot forget that Spanish banks offer a dividend which is very interesting, with an average profitability that ranges between 5% and 6%. This is a fixed and guaranteed payment every year, no matter what happens in the equity markets. So that in this way, you can create an investment portfolio in fixed income within the variable. Beyond other technical considerations and maybe also from the point of view of its fundamentals. It is a very effective way to raise the balance of your checking account after the Gordo de Navidad.
Hire from a mixed fund
Given the terrible evolution of financial markets, a second investment strategy you have is to diversify the money obtained through the luck of this raffle. And what better way than through an investment fund that is mixed and therefore based both in fixed and variable income. So that in this way, you are in a better disposition to protect your winnings from the game. On the other hand, you have many investment funds of these characteristics and you will only have to choose one that suits your profile as a small and medium investor.
However, this alternative to investment is not aimed at the short term. If not, on the contrary, you will have to direct you to longer deadlines. If everything is developed correctly, it may be that in a five or six year environment you can obtain a return between 5% and 10%. Not bad at all for money you didn't have from the beginning. In addition, without exposing it to a single financial asset that can generate more risks in the open positions as of these Christmas holidays.
A warrants to speed up profits
There is always the resource, if you are a clearly aggressive investor, to use warrants to even double the amount that you have obtained through the long-awaited Fat Christmas. In this case, opening positions in a value of Spanish equities that lagged far behind in 2018 and that has a very generous revaluation potential. In this sense, there are securities with annual depreciation very close to 30% and that can be purchased through this very special investment model.
Do not forget that this financial product that is the warrant is a corporate title very similar to a Purchase option. It offers the consumer the right, but not the obligation, to buy common shares directly from a company at a fixed price for a specified period. However, it cannot be denied that warrants are a class of financial products with a lot of risk in operations. Where you can earn a lot of money, but for the same reason, leave a lot of euros on the road from now on. Without being a toxic product, it is at least not aimed at all investors.
In a warehouse: safe and guaranteed
Another of the safest options you have at the moment is materialized with fixed-term bank deposits. They have improved their profitability in recent months and are beginning to be interesting to get extra money every year or at least during the years that their permanence requires. From this general scenario, there are some promotions that offer an annual and guaranteed return very close to 2%. Of course, it can be an excellent idea to guarantee the money generated in Gordo de Navidad.
In any case, these bank deposits have permanence periods that move under a range that goes from 12 and up to 36 months. Period in which depositors must have their economic contributions immobilized, being one of the most negative aspects of this very conservative option for the investment of the lottery prize. Although with the advantage that it is a product that is totally free of commissions and other expenses in its management and maintenance. With a complete saving in regards to this concento linked to expenses.
Silver as an alternative
On the other hand, this precious metal is a very profitable option if volatility sets in in the equity markets. With the real possibility of making the prize of this raffle profitable on margins of more than 30% and in a not excessively long period of time. Not surprisingly, silver is considered one of the safe haven values par excellence and that currently maintains a potential for revaluation of the highest that can be found in any financial asset.
After being lucky with the jackpot it may be time to take a risk and nothing better than this metal to achieve the desired goals from now on. Not in vain, for months it has been kept in an impeccable Uptrend That invites you to open positions without assuming excessive risks in operations. Beyond other technical considerations that will be analyzed in other articles on this option in financial markets.
In these precise moments, there is more you have to gain than lose, and despite the fact that it is a somewhat complex financial asset to take positions. However, the tranquility of having money that you did not have will help you to start positions in a financial market as special as this really is. With a little luck, your assets will increase in a few months. Beyond other technical considerations that will be analyzed in other articles on this option in financial markets.