Lotería de Navidad: ¿y si toca?

Según el estudio de “Percepción social sobre el juego de azar en España 2016” desarrollado por el IPOLGOB de la Universidad Carlos III de Madrid, el 73,9 % de los residentes en España de entre 18 y 75 años jugó a la Lotería de Navidad en el 2015. No en vano, según dicho estudio, está entre los principales gastos de estas fechas, superando a las fiestas de Nochevieja y la comida de Año Nuevo, por ejemplo.

Y viendo el proceder de Loterías y Apuestas del Estado, es de esperar que este año la participación sea aun mayor, ya que este año se han puesto a la venta 5 millones de décimos y resguardos más que el pasado año y, por ende, se destinarán 70 millones más a premios, ascendiendo la cifra total  a 2.310 millones de euros.

Lo cierto es que el premio del Gordo de Navidad no da para realizar cambios drásticos en nuestra vida, al menos no en la medida que otros juegos (euromillones, primitiva, etc.) pero la gran cantidad de premios y lo repartido de los mismos hacen que la ilusión en este día no sea comparable a ningún otro.

Sin embargo, esta ilusión puede acabar en horror si, en el caso de que finalmente toque, no actuamos con prudencia y cabeza.

Lo primero, es importante saber que  a partir de 2.500 euros de premio al décimo (la parte proporcional en caso de que se traten de participaciones) el premio pasa por la “caja de hacienda” y está gravado con un 20 %. Es decir, en el caso de ser uno de los afortunados con el premio de 400.000 euros, el importe total que percibiría es de 320.500 euros (los primeros 2.500 euros están exentos).

lottery-174132_1920Otro punto importante es que, como dice el anuncio de este año, “el mayor premio es compartirlo”, pero mejor hacerlo bien. Si cuando acuda al banco para reclamar su premio no indica que se trata de un premio compartido y en qué proporción, tributará solo el cobrador y posteriormente tendría que hacerlo nuevamente por donación duplicando por tanto los gastos.

Una vez cobrado el premio, lo mejor es planificar. Darse un capricho es lógico y humano. Gastarlo todo en ellos o, incluso hipotecar tu futuro en ellos con compras por encima de las posibilidades, un error de nefastas consecuencias.

Entre las distintas opciones que encontramos para el ahorro, posiblemente entre las que más ventajas presentan son los fondos de inversión gracias a su ventajosa fiscalidad, a la diversificación de la inversión, así como a la gran variedad de producto, que le permitirá adaptar la inversión a sus características y necesidades personales.

Tan importante como en el qué, hay que fijarse en el cómo y para qué. Conocer nuestras propias características personales  y nuestros objetivos es vital para no caer en errores, ya que el producto que para uno puede ser el mejor, para otro puede ser un gran error.

En cualquier caso, contar con ayuda profesional que le ayude en esta tarea puede ser de gran ayuda y la mejor inversión.
Fuente: quefondos

31 thoughts on “Lotería de Navidad: ¿y si toca?

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