How to Build Wealth in 2025: A Step-by-Step Guide to Investing with Intelligence

Personal finances

7.21.2025 8:29 AM

How to Build Wealth in 2025: A Step-by-Step Guide to Investing with Intelligence

Learn how to build wealth in Colombia in 2025 with smart investments in real estate, stock market, cryptocurrency and more. Learn about the best options.

What is building heritage?

Wealth building is the process of accumulating assets that increase in value over time and generate passive income. This can include real estate, stock market investments, voluntary pension funds, and cryptocurrency. In 2025, there are multiple ways to make your money work for you.

How to start building wealth in 2025?

1. Establish an emergency fund

Before investing, make sure you have savings for the unexpected. Between 3 and 6 months of fixed expenses is recommended.

2. Eliminate high-interest debts

Debt such as credit card debt can slow your growth. Make it a priority to pay these balances before investing aggressively.

3. Define your risk profile

  • Conservative: Prefers security and stability.
  • Moderate: It seeks a balance between risk and return.
  • Aggressive: Willing to take risks for higher profits.

Investments to build wealth in 2025

1. CDTs (Fixed Term Deposits)

  • Profitability: 6-8% per year.
  • Low risk.
  • Ideal for conservative profiles.

2. Real estate

  • Profitability: 8-12% per year.
  • Passive rental income.
  • It requires a high initial investment, but it's a solid long-term bet.

3. Voluntary pension funds

  • Profitability: 10-15%.
  • Tax benefits on income tax returns.
  • You can start starting at $50,000 COP with administrators like Porvenir.

4. Stock Exchange (Stocks and ETFs)

  • Expected return: 15-18% (variable).
  • Diversify your investment in sectors such as energy, technology or consumption.
  • It requires knowledge of the market.

💡 Use platforms such as Hapi to invest in U.S. stocks Department of State with no hidden fees. It's ideal for beginners because of its simple interface and support in Spanish.

Cryptocurrencies: The New Frontier of Heritage

  • Potential return: 20% — 100% or more.
  • High volatility, but also high potential.
  • Ideal for risky and tech-savvy profiles.

In 2025, Hapi is one of the best options for investing in cryptocurrency, since it offers:

  • Access to cryptocurrencies such as Bitcoin, Ethereum and relevant altcoins.
  • Regulated security and support in the U.S. UU.
  • Integrated wallet and financial education.
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Additional Tips for Building Wealth

  • Automate monthly savings and investment.
  • Use financial apps to stay in control.
  • Invest in your education: learn about personal finance, economics and the psychology of money.
  • Diversify: Don't put everything in one type of asset.

Conclusion: 2025 is the year to take action

Building heritage in Colombia in 2025 is more accessible than ever. Whether through CDTs, real estate, stock exchange or cryptocurrency, the important thing is to get started. Tools like Hapi make investing simple, transparent and accessible from your cell phone.

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