Investments & savings

Four conservative vehicles, four different profiles

The block above compares bank CDTs (term deposits), digital banks' remunerated accounts, the official TRM dollar rate (certified with Superintendencia Financiera data) and gold in pesos. Figures update with the day's TRM; yields shown are gross — subtract withholding tax (and the 4×1000 where it applies) before counting real gain.

For conservative profiles, the 90/180/360-day CDT remains Colombia's comparison floor — and the digitals (Lulo, Nu, online CDT fintechs) usually pay more than traditional banks for the same term, with the same Fogafín deposit insurance up to the current cap.

Before moving the money

• Keep an emergency fund of 3-6 months of fixed expenses. If card or loan debt near the rate ceiling is still open, paying it off «yields» more than any CDT — arithmetic, not opinion.
• Digital CDTs usually pay 1-3 points above branch CDTs for the same term. Confirm the entity is registered with Fogafín — that's your deposit's real insurance.
• The dollar is a hedge, not fixed income: the TRM moves with oil and global rates, and monthly volatility can erase months of CDT yield.
• Physical gold means custody and a buy-sell spread. For most people, the CDT wins on simplicity.

To go deeper

The financial glossary explains CDT, UVR, IBC and the usury rate with examples. To decide where to open an account (Lulo, Nu, Bancolombia), the bank-vs-bank comparisons have the math done.