On June 25, 2022, a sports lottery shop in Zhaoqing, Guangdong won 47 additional jackpots at once. One of the lottery tickets won 46 additional jackpots, and the single-note bonus reached 439 million yuan; in addition, There is also a lottery ticket that won 9.54 million yuan. It is not clear whether the two lottery tickets belong to the same person, but I think there is a high probability that they are the same person, which means that the winning amount of one person may reach about 448 million yuan. After deducting the personal tax of 20% from the 448 million bonus, the money received will reach 358.4 million. As long as this money is managed well, it can at least ensure that a family will live a wealthy life for several lifetimes. Of course, we don’t know how this lottery player will spend the money after he wins, but we might as well make a wealth plan for him. First, take some change and make a donation.
After deducting personal tax from this lottery, the money received is 358.4 million. Facing such a large amount of money, this is earned entirely by luck, so part of the money should be used for charity. If If you are generous enough, you should at least donate more than 20 million. Even if you are reluctant to donate so much money, you should at least donate more than 10 million. Second, purchase some fixed assets.
After winning such a big bonus, I believe that anyone will want to improve their life. At this time, it is necessary to buy some fixed assets for yourself. For example, among the 358 million bonus, after deducting donations, there is about 348 million left. You can use 48 million to buy some assets, including real estate, cars, etc., to improve your life. Third, use 100 million to invest and manage your own finances.
We don’t know whether my lottery player has certain investment and financial management knowledge. If he does not have financial management knowledge, he can ask a professional financial management institution to invest for him. But among the 300 million available funds, I don’t recommend using them entirely for investment and financial management. You can keep 100 million in your hands for daily investment and financial management activities. Of this 100 million, 50 million can be deposited in some small and medium-sized banks. Calculated based on a 5-year period, these 50 million deposits can earn an interest rate of at least 4 or more per year, which is equivalent to 50 million per year. The interest can reach at least more than 2 million. Of the remaining 50 million, 20 million can be used to buy some high-quality funds, and the remaining 30 million can be used to buy some high-quality stocks.
But whether you are buying funds or stocks, you must insist on long-term holding. If necessary, you can consult some professional investment institutions, and then choose some stocks and funds with growth and potential, with 3 to 5 The year is a cycle, and I think there is basically no problem in obtaining an annualized rate of return of more than 6. In this way, the annual income of 50 million can reach more than 30 million. Adding together deposit and stock funds, the annual income alone can reach more than 5 million. This 5 million ensures that a family can live a very prosperous life. There is absolutely no problem, but I think everyone should not spend money randomly just because they are rich. Of the 5 million in income, 2 million will be used for daily living expenses a year. , the remaining 3 million will continue to be invested as principal, so that the future income will only increase. Fourth, use 200 million to establish a family trust.
Why do I suggest that 200 million be used as a family trust? Because from a practical point of view, after many people suddenly win a huge amount of lottery money, their lives are confused and they have no idea how to spend the money. Especially for those who lack self-discipline and restraint, they have so much money at once. If they don't have enough money, they will blindly buy all kinds of things. If you spend money without a plan, let alone 348 million, even if you are given 3 billion, you may spend it all within a few years. In reality, many people win huge amounts in lottery tickets and use them to buy various luxuries and live a luxurious life. As a result, they spend the huge winnings unknowingly in a few years, and even end up with a lot of debt.
In order to avoid this problem from happening, I suggest that you use 200 million to build some family trusts. This kind of family trust is very strict on wealth management and is also very strict on the withdrawal of money. Once the contract is signed, , a trust institution will have strict control over this wealth. It is not that you can get it back whenever you want. You can only get it back after triggering relevant conditions. By setting up this kind of family trust, not only will professional investment institutions help you with investment and financial management to realize the appreciation and preservation of wealth, but more importantly, by setting up a family trust, you can avoid the random squandering of wealth, thereby achieving the purpose of wealth inheritance. As long as this family trust is managed well, there is absolutely no problem in ensuring that members of a family can live a prosperous life for several lifetimes.