The premium services It is the compensation that the employer makes for the economic and social benefits obtained from the worker.. This benefit consists of one month’s salary for each year of work or proportional if the person has worked less, which is paid in two dues during the year. The first is carried out in the month of June and the second during the first twenty days of the month of December.
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Keep in mind that, this is a compensation that by law companies must make to their collectors. This applies to everyone those who have a formal contract.
In Colombia mid-year holidays have arriveda season in which dozens of families and people take advantage of carry out activities that involve extra expenses. Although it is true, Colombians choose these dates because they receive the income from the premiums.
However, for many it is important to save this money or make long-term investments to generate income with these assets. For this reason, we tell you a profitable way to invest in CDTs.
What is a CDT or Term Deposit Certificate?
A CDT is a fixed-term financial little sister offered by the different banks or entitiesthat is, a document in which it is stated that the person has left money in charge of the bank for a certain time and that after this time passes they will be able to receive it back along with an additional sum product of profitability.
However, not all CDTs work in the same way, there are various alternatives in which the term and average of the revenue depending on needs of the person.
Profitable CDTs to invest the mid-year premium
According to the Financial Superintendence of Colombia, these are the Most profitable CDTs to invest.
- Serfinanza: annual effective rate of 12.07% and minimum investment amount of $300,000 pesos.
- Bank Contact: annual effective rate of 11.81% and minimum investment amount of $500,000 pesos.
- Pichincha Bank: Annual effective rate of 11.55% and minimum investment amount of $100,000.
- GNB Sudameris Bank: effective annual rate of 11.55% percent and minimum investment amount of $500,000 pesos.
- Ban100: annual effective rate of 11.40% and minimum investment amount of $250,000 pesos.
