Investing: what to do if you win the grand Christmas jackpot?

<>Si eres el afortunado con el premio gordo de la lotería navideña, felicidades, puede que no tengas tu vida resuelta, pero si la rentabilizas adecuadamente, habrás logrado tu target, y quizá ya no necesites trabajar para el resto de tus días. Seguro que sabrás que si eres el poseedor de un décimo premio en este tradicional sorteo entre españoles serás portada de muchas noticias debido a que you will have touched 400,000 euros. Even though 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, y como resultado, el beneficio neto de la operación será de 320.000 euros. Tampoco estará nada mal, pensar que puedes rentabilizarlo todavía más, llevándolo a límites insospechados en cuanto los mercados financieros respalden tus inversiones. Sea cual sea el caso, se tratará de trasladar ese capital con el que no tenías nada.

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 instruments to achieve these objectives, counting on a solid mattress in case things were wrong in its handling.

As soon as the investments help you, you will have your assets increase between a 10% and a 20%. In other words, through your prize of 320,000 euros, it will reach 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.

Para alcanzar este sugerente objetivo, solo debes cumplir con tres requerimientos. Sea titular de un décimo ganador, planifique una strategy de inversión adecuada para que sea rentable, y decididamente, que tenga éxito. Pero evita preocuparte, si no sabes cómo desarrollarlo, te ayudaremos a conseguirlo. A través de una serie de propuestas, no excesivamente difíciles de cumplir, y decididamente realistas, que requerirán casi todo tu capital para llevarse a cabo.

First key: choose by the bag

According to some stock market analysts next year may be the year of Spanish equities, after the disappointing run during 2015 in which the Ibex 35 has remained practically stagnant, at the same levels as at the end of 2014, as a result -among other effects- of the uncertainties generated by the electoral elections that have been held in this space of time.

Once clear, it may be time to invest the jackpot amount in the most lagging stocks in the index. And to that end those related to raw materials are the ones 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 very aggressive initiative, which It can be tempered through diversification in the choice of securities across securities from different sectors.You 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: diversify your investment

In conclusion, if you do not want to waste part of your earnings, you will have no choice but to opt for a greater diversification of your savings. As a formula to ensure the contributions made. Both through fixed and variable income, but without forgetting alternative models, and even traditional savings products (bonds, deposits, bank promissory notes, etc.). Only then will you be able to ensure a minimum performance, even if without being very spectacular.

If you want to be a little calmer during the next twelve months, you have the option of contracting a mixed nature investment fund, which includes both fixed and variable income assets in the portfolio. It would be very interesting if it were also flexible, to 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, between 5% and 10%, if they continue the same results as in previous years. As a result of this scenario, you would get between 15,000 and 30,000 additional euros for the stroke of luck caused, and without too much effort on your part.

Third key: find the safest option

If, after being the recipient of a prize as important as Christmas, you change your strategy and choose a more secure 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 can choose for a tax aimed at new customers., and that it has a better performance than traditional models. Between 1% and 2%, depending on the initiative chosen.

With the absolute guarantee that you will recover the money invested, and with a minimum return, 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 could 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 possibility of continuing to earn money. Perhaps with not very spectacular increases, but with percentages attractive enough to significantly increase your assets during the following months. This investment can be made in different ways, either in companies in these sectors that are listed on the Stock Market, or through portfolios developed through investment funds and ETFs.

Fifth key: bet 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 basically because during these years their prices have risen a lot. And as a result of this procedure, change the trend, or basically generate corrective movements in its 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, even though the reward will be the most favorable to your interests.

Sixth key: make loans to individuals

Una forma original de conseguir un mayor rendimiento de sus ganancias en el juego es hacer préstamos a otras persons.. Through the platforms between individuals, in which some advance cash to others. The so-called P2P that are activated through the Internet. Through these unique financing channels, you can achieve an estimated return of around 6,50% each year as a private lender. That will allow you to achieve a gross profit of almost 25,000 euros per year.

Decalogue to increase your wealth

Having such a high amount to fully invest in will significantly increase your chances of being a billionaire, including using alternative products in combination with traditional ones, and that a normal investment could not be formalized. Whatever the case, it will be convenient for you to endow this investment with its own characteristics, if you want to optimize it in the most correct way to satisfy your interests. They would simply come from the following tips:

1. Be a new millionaire It will allow you to have access to financial instruments until now limited by your previous economic condition., with the consequent benefits in your financial operations.
2. Definitively you can risk bigger contributions, by having the main basic needs covered, even with a fairly powerful and flexible savings fund.
3. You will be able to count with a much more efficient professional advisory service, as a result of the new economic situation, encompassing the administration carried out by banks to large assets.
4. If any investment bet goes wrong, it will not cause you any financial loss, but You can even get it back through the following investment, channeling it with greater precision.
5. Undoubtedly your loss margin will be infinitely wider, with the opportunity to include highly sophisticated products that generate much more generous capital gains, and even in some cases above the usual average in these situations.
6. You will not be limited to operations with a clear defensive profileBut you will be backed by all your assets and open to new investment strategies that few have so far explored.
7. You will not care so much about spending on commissions, or managing your savings, which can be rewarded very clearly and directly. Not even paying your taxes, even if the returns bother you a bit at first.
8. 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 you got lucky with the raffle jackpot.
9. You will be better able to apply mechanisms to protect their savings optimally, adjusting to your investment profile: defensive, intermediate or aggressive.
10. And in summary, if you do not feel capable of managing your savings, avoid worrying 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 can carry it out without any effort on your part. Through a banking service, which is aimed at the best clients, among which from now on you will undoubtedly find some.