5 Smart Investments in Colombia 2025 to Make Your Money Work for You

Personal finances

7.23.2025 7:58 AM

Do you want to invest in Colombia in 2025 and don't know where to start?

With controlled inflation and more access to digital platforms, this year is ideal for your money to start generating passive income, depending on your risk profile.

1. Fixed-Term Deposits (CDT): Security with Profitability

Clave Detalle
Perfil Inversionista conservador que prioriza estabilidad y cero riesgo.
Funcionamiento Inversión fija (desde $300.000 COP) por 90, 180 o 360 días.
Rentabilidad estimada 2025 Entre 9 % y 12 % E.A. (Fuente: Superfinanciera).
Consejo experto Compara el TREA entre bancos con calificación AA+ para mejores tasas reales.

Ideal for those who want a stable alternative to inflation.

2. Colombian stocks and ETFs: High returns with calculated risk

  • Access from brokers such as Trii, Hapi or Davivienda Corredores.
  • Invest in the Colombian Stock Exchange (BVC) with individual stocks or ETFs.
  • Featured ETF 2025: ICOLCAP (NCI), replicates the COLCAP index with the 20 most liquid stocks.
  • Suggested mix: 60% Ecopetrol + 40% ETF = moderate risk.

Key fact: Ecopetrol paid $304 COP per share in dividends in 2024 and has grown 18% YTD.

3. Collective Investment Funds (FIC): Diversification with a low barrier to entry

  • Start from $50,000 COP.
  • Managed by firms such as BTG Pactual, Itaú and Fiduciaria Bancolombia.
  • Available portfolios: fixed income (low risk), balanced (medium risk).
  • Average commissions: 1.2% per year.
  • Liquidity: withdrawals within 48 hours without penalty.

Perfect for those who want to diversify without large initial amounts.

4. Voluntary Pension Funds (FPV): Savings with Tax Benefits

Ventaja Impacto
Deducción tributaria Hasta el 30 % del ingreso o 3.800 UVT anuales.
Opciones de inversión Desde renta fija local hasta fondos internacionales como el S&P 500.
Monto mínimo Desde $50.000 COP (Porvenir, Protección, Colfondos).
Rentabilidad destacada 2024 Portafolio Dinámico de Porvenir: 78 % E.A.

Fiscal Council: Keep the money for at least 10 years or up to a pension to avoid withholding 35%.

5. Real Estate and Real Estate Trusts: Passive Inflation-Indexed Income

  • Buying a home for tourist rental (Airbnb) in cities like Cartagena.
  • ➜ Estimated IRR: 12% E.A.
  • Liquid alternative: Real estate funds such as Fibra Sura or Pactia (starting from $1,000,000 COP).
  • Income adjusted to the CPI + 1.5%, ideal for protection against inflation.

Excellent option for aggressive or patrimonial profiles.

How to choose your ideal investment?

Follow these steps:

  1. Build your emergency fund (3 to 6 months of expenses).
  2. Define your risk profile:
    • Conservative → CDT, FIC fixed income
    • Moderate → balanced FIC, FPV
    • Aggressive → Stocks, ETFs, Real Estate
  3. Set your goal and deadline: Traveling, buying a house, retiring?
  4. Apply the 70-20-10 rule:
    • 70% fixed expenses
    • 20% savings/investment
    • 10% leisure

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