2023-05-24 23:56:48
Many Colombians seek to make their money work safely and without so much risk, so this becomes a rather attractive option.
To make a safe investment that improve your income you can opt for long-term savings that yes or yes will give you profitability with a CDT at your preferred bank or entity.
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If you have extra money It will not affect your pockets for monthly expenses such as rent, food, transportationsocial security, family college or university, among others, this option may sound familiar to you.
A fixed-term certificate of deposit is an investment tool under which you give the bank a sum of money that you will not be able to withdraw for a certain timeeither for 30, 60, 90, 180 or 360 days.
The longer you leave that amount saved, you will receive better interest when claiming it, depending on the amount of money you decide to deposit and market conditions at the time the consignment is made.
For example, if you have $800,000 If you leave it in the bank for a longer term, you will receive a greater investmentso that at the end of the established time you will receive more than that amount.
While, if you leave it for only 30 days you will not receive a very differential increase by the interest rates that govern in the national market.
Without leaving home, with just one click from the computer or cell phone, any Colombian can safely acquire a CDT with institutions controlled by the Financial Superintendence of Colombia and coverage with Fogafin, financial liquidity, and characteristics.
Which are the banks that have the most profitable CDT in May 2023
According to the latest report of the Financial Superintendency of Colombia These are the CDT with the highest profitability for a term of one year with a cutoff of May 19 of 2023.
These rates are lower than those presented by the Superfinanciera for April of this year, where Iris presented profitability of 16.34% with a minimum investment amount of $100,000 followed by Bancamia with returns equivalent to 15.98% and a minimum of $50,000 and finally Bancoserfinanza offered returns of 15.82% with a minimum of $300,000.
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What to keep in mind before opening a CDT?
Make sure that when you visit the page of the financial institution of your choice and review the features it offers to acquire a CDT have coverage with a reputable insurance that guarantees the fulfillment of the return of the money with the agreed date and yields.
Keep in mind that deposit rates are constantly adjusted to adjust to inflation, so they usually guarantee a real level of profitability and, in scenarios of high rates like the current one, competes and outperforms other financial instruments, while maintaining a low level of risk.
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