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How to invest a £1 million lottery win wisely

By LLM Reporters  |  November 2, 2020

The chances of winning the lottery are thought to be 1 in 45,000,000 – but what would you do if your numbers came up? From tropical paradise escapes to private jets, the possibilities are endless, and spending it all at once would be all too easy. But whether you’ve scooped a lottery jackpot or have simply done well in the world of business this year, £1 million, when invested wisely, can set you up for life.

If you’re unsure what to do with your sizeable chunk of wealth, then it’s always wise to seek professional advice – but in a nutshell, protecting and growing it for the future is the sensible way to go. It’s important to consider your long-term goals and desired future lifestyle, as this will help to guide you in making the right choices, and by keeping relevant timescales and goals in mind, you can ensure that you have all the money you need to enjoy your life at key points, as well as security for you and your family for the long-term. You’ll also likely have a generous nest egg for your children to inherit later down the line, to ensure that they too are well looked after for life.

Investing any sort of money can feel like an overwhelming task – particularly when you are new to it

Investing any sort of money can feel like an overwhelming task – particularly when you are new to it. Doing your research and arming yourself with the right knowledge will set you off on the right foot, but if you’re looking for some suggestions on where to get started, then look no further. Investing for the future requires patience and discipline, but when you eventually find yourself getting to reap the rewards, you’ll be grateful for your foresight.

With the right moves, you can not only secure your fortune, but multiply it several times over. Check out our guide to the best investment opportunities out there for your £1 million – then have a good read of this in-depth how to invest if you win the lottery article from Lottoland to find out the first steps to take once the thrilling windfall lands in your bank account.

Stocks and shares

Countless people have multiplied their millions on the stock market over the years, and the opportunities to do so today remain strong. Warren Buffet – one of the most successful investors in the world to date – became a billionaire thanks to making some savvy investments in some specific stocks and companies, but these days, a safer approach is considered to be investing in low-fee, highly diversified stock funds.

Although it’s impossible to predict the ebb and flow of the stock market with any sort of accuracy, armed with the right knowledge and understanding of how things work, there are still many millions to be made. Bitcoin, in its infancy, made many young investors into overnight millionaires, and cryptocurrency in general remains a strong choice if you’re looking for somewhere to start.


Investing in government-issued bonds is considered to be considerably less risky than stocks, and is a tried and true method to counteract the volatility of the market within any investment portfolio. Bonds can offer an element of stability to most diversified portfolios, too, and are a safe choice which provides a predictable stream of income when stocks are performing poorly. They are also a savvy savings vehicle for those who want to avoid putting money at risk. Highly diversified bond ETFs are a great way to go, and are available through discount brokerages or premium investment platforms.

Real estate

Fancy investing your million in something a little more, well, fun? Real estate can be a great choice for those looking to grow their fortune, whether you intend to rent your properties out, purchase a holiday home or two, or take on a renovation project that could earn you a tidy profit.

The benefits of investing in real estate speak for themselves; with a selection of well-chosen assets, investors can benefit from regular and predictable cash flow, along with impressive returns, tax advantages – and that all-important diversification.


Got a great business idea you’ve been sitting on for while now? You could do a lot worse than investing your million pounds into it, and if all goes well, you could stand to double, triple or even quadruple it. So, if you’ve always dreamed of opening up that new company, then this could be your chance to have some fun.

Having said that, investing in such a way is considered to be one of the riskiest of the bunch, with an estimated 50 per cent of new businesses failing within the first five years.

Investing your money wisely could see you enjoying a comfortable future and the lavish lifestyle of dreams – and with your brand-new windfall, there’s never been a better time to start your portfolio.

Disclaimer: Investing money carries risk, do so at your own risk and we advise people to never invest more money than they can afford to lose and to seek professional advice before doing so.