The final of Big Brother Brazil 25 On the night of this Tuesday (22) consecrated the dancer Renata Saldanha as champion. With 51.90% of the average of the votes, Renata took the prize of $ 2.720 million, a car and an apartment. However, before thinking about how to spend (or invest) the jackpot, the new millionaire needs to be aware that a part of that value already has a certain destination: the Income tax.
“The percentage is already debited by the station, because Big Brother Brasil is considered as a competition in which there is a performance evaluation of participants, that is, it is seen as a work performance,” explains André Cavalcanti, expert at Valore Accounting & Consultoria.
No wonder the payment follows the same logic as formal salaries, in which the tax is withheld at the source.
First taxation, then the celebration
Before the amount is transferred to the winner, TV Globo retains the maximum income tax rate of 27.5%, which focuses on income above R $ 4,664.68 per month. This represents approximately $ 500,000 less in the final prize.
Even with the discount, the champion still needs to declare the full value, as Cavalcanti advises. “The winner must inform the gross value of the prize in the” Income Received from Legal Entities “field, because the station is considered a company and the person responsible for payment,” he points out.
In the case of other prizes received throughout the program, such as cars and apartments, taxation is different. “This type of prize has no tax because it is not an income, the participant has gained an asset,” explains the accountant.
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Forgetting income tax can cost dearly
Omissions in the prize statement can take the winner of reality direct to the fine mesh. “The omission may result in fines of up to 75% of the tax due. If the error is corrected before the deadline, the fine drops to 20%,” warns Cavalcanti.
Sanctions can go beyond the administrative sphere. According to him, there is a risk of tax evasion proceedings and penalties such as an impediment to take a passport or perform financial operations with bank institutions.
How much does the BBB prize yield if invested?
After paying taxes and correctly declaring income, the BBB winner can (and should) think about how to use money wisely. For Renan Diego, financial consultant and investment specialist, the priority is to protect and monetize the amount.
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“Taking advantage of the rise in the basic interest rate, fixed lace is where the most widely sought to look at an average annual yields up of 14%,” he suggests. Conservative options include Treasury Direct, CDBs and even savings.
For those who want to diversify, the expert recommends allocating half the amount in shares of good dividend paying companies and the other half in real estate funds (FIIs). “With value of $ 2.7 million, if applied strategically, it would generate a more than enough amount for a family to live comfortably,” he says.
Check out the approximate simulations made by Diego about the monthly income of the net value of R $ 2.7 million in different applications:
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| Investment type | Approximate monthly income |
|---|---|
| Savings | R $ 13,500.00 |
| Prefixed treasure | R $ 32,872.50 |
| Selic Treasure | R $ 32,062.50 |
| IPCA+ Treasure | R $ 29,565.00 |
| CDB 110% of CDI | R $ 35,021.25 |
