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Clear answers to the questions investors ask most about the Colombian market, with examples in pesos and official data.
What the Banco de la República (Colombia’s central bank) monetary policy rate is, where it stands today, why it rises or falls and how it affects CDTs, loans, TES and investment funds in Colombia.
Differences between a CDT and a collective investment fund (FIC) in Colombia: return, risk, liquidity, fees, Fogafín deposit insurance and taxes. When each one makes sense.
How much tax you pay on a CDT in Colombia: the 4% withholding tax, what the inflationary component is, the 4-per-thousand tax and how the returns are declared. With an example in pesos.
What the effective annual rate (E.A.) and the monthly nominal rate in arrears (N.M.V.) are, and how to convert one into the other to compare CDTs, loans and bonds in Colombia. With formulas and examples.
How much a CDT (Colombian certificate of deposit) really earns after withholding tax and inflation. Nominal, net and real return explained with an example and a calculator.
What TES are (the Colombian government’s public debt securities), how peso and UVR TES work, what risks they carry, how they are bought and what they pay today.
What the UVR (Colombia’s real value unit) is, how Banco de la República calculates it from inflation, what it is worth today and what it means for a mortgage or an investment in UVR TES.
Why the price of bonds and TES falls when interest rates rise, how much it can drop depending on the term (duration) and what it means for your investment fund. With an example in Colombian pesos.
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