Lotto guide: If you win, you shouldn’t make these mistakes

A lottery gain sounds like the ultimate way out. Between a perfect life in the saus and Braus and Maloche to old age there are only six correct ones and the super number. The probability is 1 to 140 million, but as soon as the lottery ticket has been handed over, many in the head plan what can be done with the profit. Usually the thoughts are for the cat – but in very rare cases it works. And now?

First the simple question: How does the money get into the account? The lottery sales point pay minor profits. Higher amounts come by bank transfer or clearing check. Here the payment must be requested by form. If it is a really large sum, the state lottery companies provide a consultant. These people know what to do. Up to this point, however, many mistakes may have happened.

To avoid them, a look at the fate of lottery gains helps that have not adhered to the golden rules. Such as the Dortmund Lotto millionaire Kürsat Yildirim alias Chico. The whole country now knows about its wealth because it voluntarily shared it with the public. Finally, he was even attacked.

Chico seems to enjoy his status and awareness. But raids and accidents of supposedly carefree people are actually not uncommon. Due to high profits, many people have already died, impoverished or have lost everything. (They won millions in the lottery like Chico – then the nightmare began)

So what to do? The most important thing that should happen immediately after a profit is … nothing. Absolutely nothing. Most importantly: nobody should know about it. If the best friend or family is called immediately, the biggest trump card is already lost. This is of course complicated for typing communities – a binding contract with corresponding clauses should be signed here before winning.

Good planning is now in demand. First wait for the money and follow the instructions of the lottery company. If you make it to the mentioned consultant without having to know half the world of your wealth, a lot has been achieved.

If the profit is well above the state deposit securing of 100,000 euros, it is also advisable to start the opening of an account with different banks quickly. Several accounts at a bank do nothing in the worst case. The security limit applies per customer and bank, not per account, this can be read.

Make sure that bank consultants want to convince you of numerous great investment options after receipt of the money. THANK YOU. Experience shows that in particular actively managed funds help the bank primarily – and reduce their return.

If it is so far that the money should be invested, look for independent advice. The experts from the lottery companies will probably help you with suitable addresses, give initial information “”. It is important that-and this also applies to all non-Lottomailionaries-you do not put everything on one card. Diversify your systems through the broadest possible portfolio, such as stocks, real estate, private equity, fixed deposits, possibly cryptocurrencies and raw materials, such as gold.

Now a advice for donation winners who want to share their luck: determine how much money you want to give family and friends. Ideally with an independent consultant, such as a notary or a lawyer. Let the donation man manage and pay the gift through the outsider. By switching on an independent position, you can always point out that your hands are tied or that the money has been created elsewhere.

By the way: Unlike the lottery gain itself, which is tax -free in Germany, donations are not “knows”. For spouses, the limit is 500,000 euros, for children and stepchildren it is 400,000 euros, grandchildren and great -grandchildren are allowed to collect 200,000 euros tax -free and all others only 20,000 euros. The allowance is available every ten years. It is therefore better not to distribute cash and do not buy goods for others. As far as this is concerned, “” urgently warns of possible failures.

Only when these things have been done and you have set up a wide portfolio and any fixed money, which you do not get to get to for years, can the party rise. Buy the dream car, buy a house, take the weeks -long luxury vacation. But when someone asks where the money comes from – lie that the beams bend. Inheritance, loan, saved: Most answers are better than revealing a lottery win.

Gambling can be addicted. A participation in the game is allowed from the age of 18. If the game behavior can no longer be checked, the thoughts revolve around gambling or if more money is gambled away than is available, this can be the first sign of problematic game behavior. Games and relatives receive support and relatives in the telephone advice of the Federal Center for Health Education (BZGA) on gambling addiction on the free number 0800 137 27 00 and on: