¡No abras un CDT sin ver esto primero! 🛑

🎓 WANT TO GO BEYOND THIS VIDEO? The Save Your Wallet Mentorship is now accepting applications. In 8 weeks, we'll work together on everything you need to truly organize your money: your relationship with money, a realistic budget based on your goals, and how to choose where to invest according to your own profile. Because I work closely with you through group sessions and one-on-one meetings, spots and bonuses are limited. 👉 All the information here: https://www.salvatubolsillo.com/mento... Did you know that while the National Team is playing in the World Cup, several banks in Colombia are paying higher interest rates on their Certificates of Deposit (CDTs)? If Colombia wins, your money wins too. But this goes far beyond a fun promotion. We're in one of the best historical moments to invest in fixed income in Colombia, and in this video, I'll explain why this is happening, how much you'll actually keep after taxes, and what the best options are that are currently available. In this video, you'll find: ✅ Why the Central Bank raised interest rates instead of lowering them ✅ How to calculate the REAL return on a Certificate of Deposit (not just the rate the bank shows you) ✅ The taxes that almost no one explains: withholding tax, exclusion due to inflation, and social security contributions ✅ The risks of Certificates of Deposit and how to protect yourself (Fogafín, liquidity, automatic renewal) ✅ The complete comparison: high-yield accounts, Certificates of Deposit, TES ETFs, and demand deposit funds Chapters 00:00 Introduction: Does the National Team win, and does your money win too? ⚽ 01:03 Why the Central Bank isn't lowering interest rates 🏦 03:33 The key: What is real return? 📈 04:41 Projections: How long will these high rates last? 05:22 Taxes: Withholding tax and income tax return 📄 06:12 The benefit no one claims: Inflation exclusion 06:50 Beware! Impact of Returns on Your Social Security ⚠️ 08:16 Mentorship: Save Your Wallet: Really Organize Your Money 09:12 Risks of Certificates of Deposit (CDTs) and How to Protect Yourself (Fogafín and Liquidity) 10:06 The Most Costly Mistake: Automatic Renewal 🛑 11:05 Comparison: Best High-Yield Savings Accounts 💰 12:10 The Best CDTs on the Market Today 12:35 Other Options: Treasury Bonds (TES) ETFs and Investment Funds (FIC) 13:30 Conclusion: Don't Let Inflation Eat Up Your Savings 📌 This video is for informational purposes only and is not investment advice. No bank mentioned is paying me to be featured here. 📺 If you found this helpful, subscribe and turn on notifications so you don't miss upcoming videos that will help you save money. #CDT #ColombiaInvestments #SaveYourWallet #FinancialEducation #WorldCup2026 #CentralBank #FixedIncome #PersonalFinance