International travel is certainly off the menu, and there's no point buying a luxury home off-shore if you can't get to it.
Luckily, New Zealand, for the time being, is boasting a coronavirus-free landscape and there are still plenty of opportunities on offer.
You would want to be careful not to spend it all at once, though, with a financial advice expert saying you should plan carefully after winning.
But where is the fun in not spending a little bit of the cash? If you've dreamed of a waterfront mansion, you could fork out close to $20m for a five-bedroom house near Queenstown.
The 37,990sq m property at Wyuna Rise, near Glenorchy, boasts breathtaking views of Lake Wakatipu below and surrounding mountain peaks.
Be warned, however, expensive mansions require deep pockets to spend on electricity bills, cleaning, maintenance and insurance.
Real estate agent Michael Boulgaris, who specialises in luxury homes, told the Herald last year it's best to buy apartment units, lifestyle blocks or commercial buildings.
The property with stunning views comes with a hefty price tag of nearly $20 million. Photo / OneRoof
The property near Glenorchy boasts breathtaking views. Photo / OneRoof
"[Professionals] have the ability to pull your whole portfolio together and understand your goals of what you want to achieve over the next 10, 15 or 30 years," she said.
"I think navigating the markets on your own is complicated and does need a certain skill base to be able to do that."
Many Kiwis have been seeking updates on their investment portfolios following Covid-19 and it was key people understood what their risk was, Shanks said.
What risks people were prepared to take in terms of investments were very important to understand.
"That's obviously how they invest, based on their risk profile for themselves, and understand whether that's still current or not," Shanks said.
"If it isn't, they need to think about that and put strategies around a change."
