¿Por qué tener un CDT en este momento es una de las inversiones más atractivas de 2026?

TL;DR

The Banco de la República increased its intervention interest rate to 10.25%.
This increase makes money more expensive and directly raises interest rates on financial system savings.
Certificates of Deposit (CDTs) have become a prominent savings and investment alternative due to their competitive advantage.
Rising minimum wage and 5.1% inflation in 2025 create a relevant context for savers.
CDTs offer a low-risk opportunity to preserve capital and obtain defined returns.
The interest rate increase is seen as a turning point for CDTs, making them the best option to start the year.
CDTs now compete with high-return, high-risk investments but offer guaranteed profitability.
Global market volatility and the US dollar's recent weakness highlight the advantages of local instruments with defined rates.
CDTs offer known returns from the outset and lower volatility compared to other financial instruments.
Financial entities are adjusting CDT rates, some approaching 12% effective annual return.
The decision reconfigured investment preferences, placing CDTs at the center for those prioritizing stability and competitive returns.

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