El Método Exacto para Invertir en CTDs (Renta Fija) y Crear Patrimonio | Experto en Inversiones

If you want personalized support to organize your finances and investments, apply here 👉 https://hubs.li/Q04878Ty0 ------------------------------------- Today, Certificates of Deposit (CDTs) are looking very attractive again, with rates of 10, 11, even 12%. And it's easy to think that you just have to put all your money in there and that's it. But what many don't understand is that this isn't normal. Interest rates change, cycles shift, and what seems like a great opportunity today may not be tomorrow. And that's where most investors make serious mistakes. They make decisions without really understanding how fixed income works in this case. That's why today we brought back Juan Uribe, an investment expert. We had already recorded a first episode with him on how to build wealth, which I recommend if you haven't seen it, but this time we wanted to delve deeper into how to use fixed income strategically within an investment portfolio. This is a conversation to understand when to invest more in fixed income, when to reduce exposure, and how to stop seeing CDs as a standalone solution and start seeing them as a tool within a much larger strategy. Keep learning! ------------------------------------- Chapters: 00:00 Introduction 1:16 Mastercard Financial Tip 1:44 What is Fixed Income? 5:11 Sovereign Risk vs. Corporate Risk 10:36 What is the Interest Rate and Who Defines It? 12:53 What Does the Yield Curve Tell Us? 18:10 The Inverse Relationship Between Rates and Bond Prices 23:25 The Case of PIMCO and Colombian Debt at 14% 26:59 Why Does a Mortgage Have a Better Rate Than Government Debt? 31:35 The true role of CDs in a portfolio 34:08 The risk of having your entire net worth in CDs 35:30 Extreme returns in fixed income: The case of Argentina 39:43 What percentage of your portfolio should be in fixed income (CDTs)? 45:22 How and where to invest in bonds? (Collective investment funds and ETFs) 49:47 Inflation-linked securities (TES UVR and TIPS)