In accordance with the provisions of the Substantive Labor Code, Every employer is obliged to pay the service premium to workers who have a formal contract. in what is called “recognition for the entire semester worked or proportionally to the time worked”, which is 180 days according to the law.
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This is why for different people or families in Colombia, the arrival of this mid-year period, which is one of the most desired seasons for students and workers, this service premium is a wonderful financial relief. for those who wish to travel during these dates or carry out activities that involve extra expenses.
However, there are some individuals who, beyond enjoying the extra money that can come to them with this payment, They prefer to pay debts, organize their commitments, save it or, if necessary, invest it. to generate income with these assets. For those who want to do the latter, we bring a list of the most profitable CDTs for this month of June, so that you can review them and get an idea of how much you could receive if you earned a minimum wage.
It should be remembered that article 306 of the CST contemplates that the payment of this bonus, which benefits employees of private companies, public servants, and people who perform daily work, must be done during the first 30 days of June, in case of mid-year premium, that is, you can receive it throughout the month, In the case of the month of December, payment must be made during the first 20 days.
5 most profitable June CDTs to invest the bonus, this you can receive if you earn the minimum
Before answering this question, it is worth explaining that a CDT or Term Deposit Certificate It is a financial tool offered by different banks or entities of this type in the country for people to save, save and at the same time generate profits with different interest rates. However, it must be taken into account that these are very low-risk investments and, therefore, banks do not dare to offer very high rates, which is why these are designed more to be a model. to save money for a stipulated time.
According to information published by the Financial Superintendency of Colombia, these would be the most profitable CDTs to invest for 180 days in the month of June:
- Serfinanza: This entity offers an effective annual rate of 12.07 percent and a minimum investment amount of $300,000.
- Bank Contact: For its part, this provides an effective annual rate of 11.81 percent and a minimum investment amount of $500,000.
- Pichincha Bank: The establishment has an annual effective rate of 11.55 percent and a minimum investment amount of $100,000.
- GNB Sudameris Bank: This renowned bank has an annual effective rate of 11.55 percent and a minimum investment amount of $500,000.
- Ban100: Finally, this entity promises an effective annual rate of 11.40 percent and a minimum investment amount of $250,000.
To give you an idea if you earn a minimum wage, if you invest the premium in a CDT thatthat average has a profitability of 11.70% annual effective, You would obtain a net profit of approximately 35,000 pesos in 180 days or 72,000 Colombian pesos, if you received some type of extralegal premium, this after deducting the withholding at source.
